Thursday, November 3, 2011

Solidarity: After Foreclosure, Chicago family wins a new mortgage, with principle and interest rate cut by over half

Communities United Against Foreclosure and Eviction Media Advisory
November 3, 2011

Chicago, IL – Thursday, November 3rd, 11am, Silvia and Alvaro Tellez, joined by their neighbors facing foreclosure, public housing resident leaders facing eviction as a result of privatization, Communities United Against Foreclosure and Eviction, and activists from Occupy Chicago, will rally outside their once foreclosed home. This day marks the one year anniversary of their being ordered by a Cook County judge to vacate their house within 30 days. The Tellez family's victory is entirely a result of organizing support from their community and pressuring the bank through public actions, until the bank finally called them and asked, “what do you want?” This success at bringing the bank to negotiations is something that even the federal government seems unable to do as we've seen no programs compelling banks to work with homeowners seeking modifications.

The Tellez family, like so many other Latino and African American borrowers, had been given a predatory loan, which unbeknownst to them, imbedded a variable interest rate that came into affect after 2 years, resulting in a greatly increased mortgage payment of over $4,000 per month. They were able to keep up for awhile, sacrificing other needs and reaching out to family, but then Mr. Tellez, like so many others, lost his job and had to rely on work he could find on a daily or weekly basis. They made numerous attempts to modify the loan, but were unable to get the bank to respond. This is a familiar experience for many homeowners, as are predatory loans, and several banks have been investigated by attorneys general and the Justice Department for just that. Still, the investigations of discrimination and fraud, (e.g. Robo-signing) have done nothing to stop banks from making families homeless.

The Tellez family's solution, organizing support and refusing to leave their home, is the solution to which homeowners are increasingly turning. As the the language of “occupation” grows around the country, Silvia and Alvaro Tellez, and their children Yessenia, 17, and Naomi, 13, are challenging folks to occupy their own communities, to stand up to the banks with the message, “we aren't going anywhere, so work with us or don't; we can stay and pay or we can stay and not pay”

The Tellez family's victory is so significant that the bank actually imposed a gag order on Silvia and Alvaro. They did not, however, gag their children or their community and allies. Not only will this group talk about the fight to keep families in their homes, but they will also inform the banks that they are working around Chicago to re-occupy vacant, foreclosed properties and to turn them back into homes for homeless families. We saw this with the Martha Biggs family earlier this year--once homeless after being displaced from Cabrini, they are now housed among a supportive community, happy for one less vacant property.

What: Rally with Tellez Family
When: Thursday, November 3rd, 11am
Where: 2221 N Latrobe, Chicago


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