California Foreclosure Refund Program, Part of the Attorney General Settlement

By JoAnn Parrott, Housing Counselor at Project Sentinel, one of the members of ForeclosureHelpSCC.

Today’s Post is about the Foreclosure Refund Program, part of the national Attorneys General Mortgage Settlement.

 What is the Foreclosure Refund Settlement program?    
The foreclosure refund program is one of three parts of the national attorneys general settlement with the five largest banks.  As part of this $25 billion settlement, approximately $1.5 billion has been earmarked for the foreclosure refunds.   The five banks (Chase, Ally/GMAC, Bank of America/Countrywide, Citibank, and Wells Fargo/Wachovia) agreed to compensate homeowners who lost their homes to foreclosure inappropriately between January 1, 2008 and December 31, 2011.

The remaining money is being used to provide up to $3 billion (nationally) in refinancing for homeowners who are underwater.  In addition, up to $17 billion is being used for modifications (including principal reductions), short sales, and monetary assistance for homeowners who are transitioning out of their homes.

Is my lender part of the Settlement program?  The participating lenders are Ally/GMAC (800-766-4622), Bank of America/Countrywide (877-488-7814), Citibank (866-272-4749), JPMorgan Chase (866-372-6901) and Wells Fargo/Wachovia (800-288-3212).

Am I eligible to apply?  YES – Regardless of the circumstances you are currently experiencing or have experienced in the past, if your lender is participating in the program, you can apply.

How do I apply?  For the foreclosure refund program, you may receive a claim form as well as general information regarding the program from the National Settlement Administrator.  Kamala D Harris, California’s Attorney General, explained in a press release that letters are being mailed directly to 432,584 California homeowners between September 24 and October 12, 2012 about the foreclosure refund.  If you believe that you are eligible for the foreclosure refund but did not receive a form, you can call the National Mortgage Settlement Administrator at 1-866-430-8358, Monday through Friday 7:00 a.m. – 7:00 p.m. Central Time.

Once you receive the letter in the mail, you will need to complete the form and mail it back, or you can also fill it out online (but you’ll need the claim number from the letter you received, so don’t throw it away).  More instructions are on the National Mortgage Settlement website. 

For the other two parts of the settlement (refinancing and loan modifications), you can contact your lender directly to ask about your eligibility and the bank’s timeline for implementing these options.

How long do I have to apply?  The deadline for submitting a claim for the foreclosure refund is January 18, 2013.

What if I don’t get a letter?  If you don’t receive a letter by October 31, 2012 or if you have a different address now, contact the National Settlement Administrator at 866-430-8358 (M- F from 5am-5pm PST) or send an e-mail with your current mailing address to administrator@nationalmortgagesettlement.com.

Do I need to hire somebody to help me apply?  NO – The claim form is easy to complete.  If you have questions, call 1-866-430-8358 (M-F from 5am-5pm PST) for help or send questions via email to: administrator@nationalmortgagesettlement.com.

What if I’m contacted by an agency that wants to help me?  Be aware of possible settlement-related scams.  Do not provide personal or financial information or pay money to anyone who claims to provide settlement-related assistance.  If you believe someone is conducting a scam, contact the Attorney General’s Public Inquiry Unit at http://oag.ca.gov/consumers/general.

What do I have to prove with my claim?   Once you are qualified, you do not need to prove financial harm to receive a payment nor do you give up your right to pursue legal action against the lender.

If you want, you can also apply for the Independent Foreclosure Review Process.  It is a settlement with other regulators and 14 banks and servicers based on robo-signing issues that occurred between January 1, 2009 and December 31, 2010.  The Independent Foreclosure Review deadline is soon: December 31, 2012.  More information on this program is available at our blog post about the Independent Foreclosure Review  (scroll down to the bottom of the post) or on the Independent Foreclosure Review website.

How much money will I get?  The amount of your refund depends on the total number of homeowners who decide to participate.  The estimated number of participants nationally is approximately 2 million people.

When will I get my money if I am eligible?  Payment checks are expected to be mailed to eligible participants in mid-2013.

What if I still own my property but need help paying the mortgage?  Contact your lender or a HUD-approved counseling agency to discuss your options.   To locate a HUD agency, call 800-569-4287.

If you are a homeowner living in San Jose or Sunnyvale and are struggling with your mortgage, please contact ForeclosureHelpSCC, a program funded by the City of San Joseand the City of Sunnyvale at (408)-293-6000 or visit our website: www.foreclosurehelpscc.org.  Our HUD-approved counselors can help you evaluate your options, learn more about federal and state programs that may help you with your mortgage issues, and will help you create a plan forward.

Please note: All content included in the ForeclosureHelpSCC blog is provided for information only and should NOT be considered legal or tax advice. If you have any questions, please feel free to contact us on our hotline: (408)-293-6000, or visit our website: www.foreclosurehelpscc.org or send us an email: help@foreclosurehelpscc.org.

 

22 thoughts on “California Foreclosure Refund Program, Part of the Attorney General Settlement

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  2. Can i have some questions answered. i am a part of this settlement lost my home in April 2008, and over 70 thousand in hard cash. I was forced out of my home and it was in a short sale. I am not sure what it sold for. My questions are; 1) How is the settlement determined regardless of participant’s. Does it reflect how much I lost in mortgage payments and loss of my 500thousand dollar home? 2) Can i get help now on a new mortgage? 3) How do you know what catagory an indiviual homeowner falls under? It seems that I fall under different ones so do you add those amounts up or only can recoupe under one catagory?

    • Hello Michelle,

      Thank you for interest- Are you here in San Jose or Sunnyvale? If so, I would suggest calling our office (408) 293-6000.

      The materials we’ve seen do not mention “short sales,” I would suggest calling the National Mortgage Settlement Administrator at 1-866-430-8358.

      Thanks,
      Sean Coffey

    • Hello Michelle,
      ForeclosureHelpSCC is a non-profit program set up to assist homeowners here in San Jose and Sunnyvale, we do not administer the program.

      I would suggest contacting the National Mortgage Settlement Administrator. I am pasting in their information below:

      Payments to borrowers who lost their homes to foreclosure with no requirement to prove financial harm and without having to release private claims against the servicers or the right to participate in the OCC review process. $1.5 billion will be distributed nationwide to eligible borrowers . The National Mortgage Settlement Administrator will mail Notice Letters and Claim Forms in late September through early October 2012 to approximately 2 million borrowers who lost their home due to foreclosure between January 1, 2008 and December 31 2011 and whose loans were serviced by one of the five mortgage servicers that are parties to the settlement. These materials will explain to you how to get your payment if you are eligible. If you have further questions after reading this material, you can contact the National Mortgage Settlement Administrator at 1-866-430-8358.

      • Thank You for your responce

        I have already investigated the website and

        I am a claiment My sever is Wells Fargo. I

        lost my home in the period that is undicated.

        I know the paticular information. I need to be

        able to find out how I calculate my claim. I

        lost 50,000 dollars downpayment and all the

        monthly payments of $2,500 a month plus approx. $339.00 a month in HOA’S. I bought
        the property at 270 Heron dr Pittsburg Ca
        in Dec 2004 and lost it 4/08. Knowing that I lost almost $100,000.00. Is that calculated as
        to want I can expect in this lawsuit? Also how do I determine looking at the charts online which catagory I fall under could it be more than 1 catagory I need some help And do I need to explain this to the proper person? Such as an attorney rep for Ca.? So U can be properly handled?
        Michelle Bowerman
        825-813-0777

  3. I’m not sure if when they kicked me out of my home that it was sold that way. But I need my other concerns answered. In other words am I getting money from each catagories that is display in the charts provided from this settlement? Do they take into consideration how much money I lost and including losing my half of million dollar home, on the water1500 sq ft. 3/2 1/2. In pittsburg Cal.
    I have filed out the claim form so I am part of the lawsuit. What is the financial return based on?

    Thank You
    Michelle Bowerman
    925-813-0777

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    • Hello Maurice,
      Thanks for writing, from our blog:
      If you believe that you are eligible for the foreclosure refund but did not receive a form, you can call the National Mortgage Settlement Administrator at 1-866-430-8358, Monday through Friday 7:00 a.m. – 7:00 p.m. Central Time.

  10. I have questions on the amount and when. I have tried all avenue’s to get help. No one knows anything. Just a generic response. In April 2008 I lost my home. Down payment of $50,000 cash. 2 1/2 years of $2,500 payments. And a snow ball effect, lost home, car, boat. Which is well over 160,000. They say Ill be getting for sure $870 dollars. Is this a JOKE. How can I explain my personal situation to who? My mortgage company was Wells Fargo. I know 2 mil in USA were sent claims. I am a claimant already. Does anyone know how many are in California and the total amount set aside for Wells Fargo, Ca. When it will be mailed. And is there an Attorney that I can talk to. I can’t see my compensation only $870 dollars? That would be a slap in the face! Where can I call to make my individual case? Can I please get help? I have had a complete breakdown. I also had to file bankrupt because the second on my property they were wanting me to pay? Please help me
    Michelle Bowerman
    925-813-0777

  11. I was advised that getting a private attorney to defend you on your foreclosure would be expensive and a waste of time .. is that true? What can a person do if they want to get their own attorney instead just receiving the settlement amount?
    Kim D. Murray

    • Hello Kim,
      We’d suggest working with a HUD-approved housing counselor if you are trying to avoid foreclosure.
      If you are interested in the foreclosure refund (part of the AG settlement), then you can contact the national mortgage settlement administrator, but you better hurry because the deadline in January 18th.

      From our blog:

      What if I don’t get a letter? If you don’t receive a letter by October 31, 2012 or if you have a different address now, contact the National Settlement Administrator at 866-430-8358 (M- F from 5am-5pm PST) or send an e-mail with your current mailing address to administrator@nationalmortgagesettlement.com.
      Do I need to hire somebody to help me apply? NO – The claim form is easy to complete. If you have questions, call 1-866-430-8358 (M-F from 5am-5pm PST) for help or send questions via email to: administrator@nationalmortgagesettlement.com.

  12. I was comitted fraud upon by Country-wide, an Fifth Third Bank, from the purchase of my home in June 2002.3/28/2012/ up-dated 4/23/2012, 4/26/2012, 5/14/2012
    Robert L. Tatge
    13100 Skyline Drive
    P.O. Box 363
    Spicer, MN. 56288 Phone 320-796-2314
    Fifth Third Bank
    Kevin T. Kabat, President & CEO Fax 513-358-3493 Madisonville Operations Center
    MD1MOC2N
    Cincinnati, OH. 45263
    Dear President Mr. Kabat:
    RE: Mortgage Loan: 404876203 Three situations, (presented on 3/28/2012,) occurred during the Foreclosure process that I believe were important, illegal and unfairly place on me, therefore to consider this Foreclosure invalid.
    * Forced Placed Hazard Insurances, $500.00 per month. Inception June 10, 2008. Just months from refinancing loan from Country-wide Home Loans Exhibit” A”, (9 -Pages)
    * Mortgage Broker manipulation of appraisal, loan application with Fifth Third Bank, and my credit. Exhibit “B,” (8 – Pages)
    * The “Forbearance Plan” offered: The due dates (2020) were set-up all wrong. Exhibit “C”, (1 – Pages)
    * Failing to timely and accurately apply payments made by borrower and failing to maintain accurate account statements. (This addendum added 4/23/2012.) Fifth Third Bank failed to apply payment correctly so not to appear, (back dated to July 2010) on Form 1098 Mortgage Interest Statement in year 2011, amount $510.00. COUNTRYWIDE, in July 2003failed to record $606.12 Borrower has no records of a record from them. Exhibit “C-A”, (5– Pages)
    * Conflicting and imbeciles’ amount stated on the Foreclosure Notices. Exhibit “D-E”,
    (8-Pages)

    Origination Misconduct – Unfair and Deceptive Origination Practices (This addendum added 04/26/2012) * In the course of their origination the mortgage loan this Bank has engaged in a pattern of unfair and deceptive practice. Among other consequences, this practice caused borrows to enter into an unaffordable mortgage loan that led to foreclosure.
    * Financial Injury or Other Remediation. The charge change because of the FORCE PLACED HAZARD INSURANCE placed on Borrower. (Payment Book graduated July 01, 2008 $2397.00, Nov 01, 2008 $2551.75, to Dec 01, 2008 $2841.25, effect had to cash in 401 K-plan, retirement. Exhibit “F”, (1-Page)

    Forced to Cash in 401-k plan to make graduated payments, because of the FORCE PLACED HAZARD INSURANCE placed on Borrower. Tax forms and amount Federal $2,192.61. Form 1099-R, 2008 Agriliance Savings Builder 401(K) Plan: total distribution $15,436.91 Exhibit “G”, (1-page)
    COUNRTYWIDE HOME LOANS, March 2003 purchased Forced Placed Hazard Insurances, on Borrower and they had paid for this Insurance from Escrow and charged $855.00 premium March 2, 2003 Policy #N-0200487, stated “ there was a lapse in your insurance coverage”, I contact my Insurance, and they stated I had uninterrupted insurance since the purchase of the property in June 12, 2002 Exhibit “H:”(7-Pages)
    Forced to Cash in 401-k plan to make graduated payments, Tax forms and amounts. Form 1099-R, 2002 CO-OP 401(K)n Plan: total distribution $11,002.50 Exhibit “I:” (1-PAGE)

    Dear Review Board, I’m writing this letter to explain to you some of the discrepancy during the Foreclosure process that I had to go through. There are several, not being a lawyer that I found and I’m in the belief that there are many more that really brought the Foreclosure to a head. The one that actually broke my back was the Forced Placed Hazard Insurances, $500.00 more a month when I was living on pay-check to pay-check. The additional charge forced me to cash in stock and my 401K retirement plan, paying the extra taxes that went along with the process. After paying many months with the addition charges, I started to lose ground. Until recently I knew, I had insurance since the original mortgage with Country-wide Home Loans, and it was required for the loan with Fifth Third Bank. Just lately, I was with my Lawyer, we called, Pioneer Heritage Insurance, PO Box 716, Spicer, MN. 56288, phone# (320) 796-2169. Gentlemen, they stated I had continued and uninterrupted insurance on the property and they fax over the proof:

    Exhibit” A”. The reason this was wrong, was that I had insurance and Fifth Third Bank paid for it out of my Escrow every year since origination of the Home Loan Mortgage, Fifth Third Bank approved for me.
    My original home mortgage loan made by FIFTH THIRD BANK was signed by me, Robert L. Tatge (a single person) on January 4, 2008 for $310,000.00 @ 6.375% for 30years, (on July 1, 2008 they FORCE PLACED HAZARD INSURANCE on the borrower) on a refinanced loan made prior with COUNTRY-WIDE HOME LOANS back on JUNE 12, 2002, for $178,817.91 @ 7% for 30 years.

    The NEXT problem that throws up a red flag is the mortgage broker that put the loan application together for our approvals. I’m not sure of his name, and you probably could help me out with that. He said, He could improve my credit, and I could take cash out, that was very cheap money, because of the high equity I had in my home. This was highly suspicious, not taking into consideration my age or ability to pay the extra money back. Now that I look back, he found and new ways to derive benefit by manipulation. My home was built year 1975: (The TRUTH 1900). Appraisal manipulation, to my understanding this broker wasn’t satisfied with the first appraisal from: Forsythe Appraisals, LLC, 54 28th avenue North, St. Cloud, MN. 56303 Phone 320-259-8958 He asked the appraiser to treat the property like it was on Lake Minnetonka, so the second time it came in at $420,000. It satisfied the loan guidelines. Then he sent me two checks, one he asked if I would destroy, I did, the other I cashed:
    Exhibit “B,” (He said, he had other companies,) that’s why the check was drawn on: MJC ENTERPRISES LLC, 5115 EXCELSIOR BLVD., SUITE 422, SAINT LOUIS PARK, MN 55416
    This was unfair because my property tax statements for years 2007 through 2009 stated: MARKET VALUE ESTIMATED $324,700 IN 2007/2008 which is $95,300 less than appraisal. The second property tax statement for years 2008/2009 which is $92,000 less than appraisal.
    Origination Misconduct (This addendum added 04/26/2012) Unfair and Deceptive Origination Practices * In the course of their origination the mortgage loan this Bank has engaged in a pattern of unfair and deceptive practice. Among other consequences, this practice caused borrows to enter into an unaffordable mortgage loan that led to foreclosure.
    Exhibit “B, 1” Appraisal done by, Becky Lyn Storms, of Forsythe Appraisals, LLC, 222 E. Little Canada Road, Ste 175, St. Paul, MN 55117 , was rejected by Broker and my money was refunded, leaving me to think I had no Appraisal on my property. (Lender: TSI/QUICKEN LOANS) Invoice# 70601499, Invoice Date: 12/10/2007, File#70601499, TSI-112907-0126-1 Appraisal is 20 pages, included within is proof on page 3 OPINION OF SITE, VALUE by Cost approach…=$423200.00 Than page 10 of the same, states Date 12/10/2007 and APPRAISAL FEE: $325.00 Full copy of Appraisal is available on request.
    Exhibit “B, 2” Appraisal done by, Paul J. Loven, of Infinite Appraisal Service, 19475 109th Street, Big Lake, MN 55309 (www.state.mn.us/mn/…/Appraiser_Enforcement_Actions_02141111…http://www.google.com/Allege Resp established a predetermined value on appraisals; on numerous occasions, Against: Appraiser, Location: ST PAUL, MN … Against: Appraiser, Location: PRIOR LAKE, MN….. Allege respondent rendered appraisal services in a careless or negligent manner by…. Against: Appraiser, Location: BIG LAKE, MN)
    I did not knowingly pay for this service and wonder who did, so I try to call Infinite Appraisal Service, and the number 763-263-3335 is no longer in service. According to the Appraisal done by them the APPRAISED VALUE OF SUBJECT PROPERTY $448,000.00, LENDER/ CLINT … Quicken Loans, 20555 Victor Parkway, Livonia, mi 48152, File # 071106-1, TSI- 110607-0448-8 . This is probably the Appraisal FIFTH THIRD BANK has on file: almost the same date 11/11/2007 but the second appraisal came in $24,800.00 more.
    Exhibit “B, 3” Letter, dated 01/27/2012 from Office of the President, Paul-Allen Bixler, states (“the Bank did not have two appraisals used to review of the property”).
    I ask for a modification JUNE, 2009 and was denied because of insufficient income; I keep up my requests and hired a lawyer, Avi Liss, Liss Law, LLC., Hereford Street, Boston, MA, 02115 (W) phone 617-778-0363 Finely brought me a modification on August 1, 2009 (lawyer said it was the Best he could do!) Loan Amount $327,410.93 @ 5.375% for 40 years, graduated principal by $17,410, lowered interest by 1%, making the pay off difference before the modification the principal was $310,000,00 interest $386,238.81 = $696,238.81… New Modified Mortgage 40 years, principal $327,410.93, interest $489,836.12 = $817,247,247.05… The difference of $121,008.24 it was Unaffordable, I signed it at the Lawyers suggestion. Beginning with the payment due 08/01/2009 monthly Including escrow were $2,135.51 Knowing this modification wasn’t something I could afford , I asked for HELP, A FORBEARENCE PLAN was offered:
    Exhibit “C,” The “Forbearance Plan” offered: The due dates were set-up all wrong.(1-page)
    Exhibit-“C-A-1”: * Failing to timely and accurately apply payments made by borrower and failing to maintain accurate account statements. (Question of recording of draft on Jan 12, 2011 of $510.00 and following tax Form 2011 form 1098 not show that record). Fifth Third Bank (Letter from F.E. Troncone, Senior vice. President) January 12, 2011, sent confirmation on “Notice to Debit Applied to Account “, $510.00 was authorized to be deducted from my checking account, applying to your Fifth Third account ending in 6203. Per Phone to 1-800-972-3030 I asked, if the Jan 12, 2011 withdrawal was recorded and where, the representative said, she “it was recorded back to July of 2010”. (1-PAGE)
    “C-A-2” Print out from my Bank, Lake Region Bank on 4/23/2012, states this was completed, January 13, 2011 also a transactions for Dec 10, 2010 of $510.00 (1-PAGE)
    “C-A-3” 2010 FORM 1098 MORTGAGE INTEREST STATEMENT, showing 2 entries of $510.00 (1-PAGE)
    “C-A-4” Bank Money Order, 4215901403 from Lake Region Bank sent to Fifth Third Bank, 11/10/2010 for $510.00 Question on recording data? (1-PAGE) After finding that error, I found another Bank Money Order, 4918708457, dated July 5, 2003 made out to COUNTRYWIDE for $606.12 that I can’t find documentation on? (2-pages)

    The MIXED-UP misrepresentation and wrongful doing , on all FORECLOSURE NOTICE’S sent out by the Lawyers representing Fifth Third BANK: Usset, Weingarden & Liebo, PLLP, 4500 PARK GLEN RD, #300, MINNEAPOLIS, MN 55416, PHONE 952-925-6888, Knowingly this is information sent to the lawyers from Fifth Third Bank, mislead the mortgagee, and probably the sale of the property at Sheriff’s Sale.
    Exhibit “D,” Multiple & Conflicting Dollars amounts in Default on “Foreclosure notice” making it impossible for Mortgagee to understand what they meant and get help if needed. (3-pages)
    #1: March 9, 2009 $12,880.19
    #2: March 9, 2009 $15,276.19
    Exhibit “E:” Multiple & Conflicting Dollars amounts in Default on “Foreclosure notice” making it impossible for Mortgagee to understand what they meant and get help if needed. (5-pages)
    #1: March 22, 2011 Fifth Third Bank said I owed $2,365.80 to reinstate mortgage.
    #2: March 22, 2011 Fifth Third Bank said I owed $3,874.40 to reinstate mortgage.
    #3: March 22, 2011 Fifth Third Bank said I owed $35,100.90 to reinstate mortgage.
    Exhibit “F:” Payment Book graduated July 01, 2008 $2397.00, Nov 01, 2008 $2551.75, to Dec 01, 2008 $2841.25, because of Forced Placed Insurance, effect had to cash in 401 K-plan, retirement. (1-page)
    Exhibit “G:” Forced placed insurance caused me to Cash in 401-k plan to make graduated payments. Tax forms and amounts. Harming my future retirement funds. (1-page)
    Exhibit “H:” Because I had found Fifth Third Bank in wrong doing in placing Forced Placed Insurance on my account, I searched and found Countrywide Home Loans had done the same thing to me prior: Document, Dated March 2, 2003, less than a year after I purchased the property in June of 2002. The Insurance Department said: The Insurance purchased by Countrywide on the property was canceled, but they charged a premium in the amount of $855.00 for a so called lap in coverage. My Insurance, I contacted and they said, they had proof of uninterrupted insurance since the purchase of the property. (7-pages)
    Exhibit “I:” The cause of Force placed Insurance, Countrywide Home Loans was, I had to cash in a 401 (k) plan, totaling $11002.50 and pay a substantial tax of $2200.50 federal and state.
    .
    Exhibit “J:” I had a 3 Hernia Operation on August 5, 2011 @ the VA Hospital in Minneapolis, MN. I had to stay in the hospital until late December, because I was on a Vac healing machine that restricted my staying in the hospital and their rules. Outside contact was difficult. I still had a home health nurse that comes to my home every Wednesday until Mid-April. Fifth Third Bank knew of my operation and still proceeded with the foreclosure by having the sheriff’s Sale on Nov 16, 2011.

    The information the broker collected was suspicious, wrong, and different, I realize now. Forced Hazard Insurance should have been follow-up at enforcement. And I just do not understand the lesser amounts to reinstate the mortgage, it was confusing on the Foreclosure Notices and made it impossible to redeem, also difficult to sell.
    Discussion: When my dream home was foreclosed on, my heart was broken. I try my best with circumstances beyond my control. Lawyers were so expensive and I currently couldn’t afford one, and Legal Aid lawyers were the worst of all, because they found nothing wrong with the FORECLOSURE and suggest I find another place to live by late January 2012. I hope you would look into this matter. I still care for this home, and strongly want it back with punitive damages. I’m writing because the Office of the Comptroller of the Currency (OCC) recommends that I should attempt to resolve my complaint with FIFTH THIRD BANK first. I have sent letters explaining what I thought was wrongly process and they seem to find ways to get around the wrong doing or had it covered up. The second and final Eviction Hearing was on May3, 2012, I was Evicted with a SETTLEMENT AGREEMENT, vacate date June 7, 2012, and I had to sign a Waiver and Release, any and all my rights to appeal, I signed with my name and Without prejudice, The lawyers said, That was a deal breaker and said if I wanted more time to move out, I was to cross-out the Without prejudice, and initial. I did. Exhibit “K:” (8-PAGES)
    After all my struggles to keep my home, the Mortgage Company has seem to prevail and the only ones that can HELP in my situation is the OCC, according to Bill Gosiger from the Office of Minnesota Attorney General, Lori Swanson, Honorable: Bill Gosiger, File: 439011, FAX 651.282.2155
    I’m including a couple more documents I believe to be important. Also an Exiting Strategy that I offered Fifth Third Bank they totally ignored.

    Mr. Robert L. Tatge 4/26/2012, up-dated 4/23/2012, 4/26/2012, E-MAIL: robtat@peoplepc.com Cc: Usset, Weingarden &Liebo, PLLP, Attn; Amy Van Zummeren @ FAX: 952-925-5879 Cc: Independent Foreclosure Review (OCC), (Letter) PO BOX 2587, Fairbault, MN 55021-9981 Attn: Paul-Allen Bixler, Regulatory Support Specialist Office of the President: Fax 513-358-3493
    Cc: Office of Minnesota Attorney General, Lori Swanson, Honorable: Bill Gosiger, File: 439011, FAX 651.282.2155 Cc: Jerome A. Ritter Attorney at Law, FAX: 651-222-1263

  13. I have tried to get answer’s for over a year. I lost my home in a foreclosure 4/08. Over $179,000. Does this reflect my individual amount on this settlement? If not, why? My mortgage carrier is Wells. I have called, emailed,etc…. No concern? As I experienced
    this horrendous time it snow balled into loosing everything. Please help and if anyone knows how many people (numbers) are involved in California? What is the amount (dollars) in California to be dispersed. I can divide. The website only states its more than $840 dollars. REALLY!! Oh my
    Michelle
    925-813-0777

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