¿Los bancos expropian las casas con justa razón? Muchos piensan que las casas nunca fueron de los que pagan las hipotecas, y que si hay una expropiación es por culpa del deudor. Esta es una visión simplista que no considera lo que sucede en la realidad, una expropiación sin reparos efectuada por los grandes bancos al mejor estilo de un régimen comunista.
En los EUA es común que una persona no morosa o incluso sin hipoteca vea su casa expropiada por un banco.
“When Jason Grodensky bought his modest Fort Lauderdale home last December, he paid cash. But seven months later, he was surprised to learn that Bank of America had foreclosed on the house, even though Grodensky did not have a mortgage. - Man without Mortgage Loses Home in Foreclosure
El asunto es tan serio que puedes ir a pelear a la guerra y al regresar te pueden haber quitado tu casa que pagaste puntualmente.
Iraq War veteran James B. Hurley’s home was illegally foreclosed on and resold while he was overseas serving in the military. As an organizer for Patriot Guard Riders, Barb Mitchell showed her support at trial every day for James Hurley, the Van Buren County man who lost his house while he served overseas with the U.S. Army National Guard. Hurley, 45, settled his lawsuit against Deutsche Bank Trust Co. and Saxon Mortgage Services during trial in U.S. District Court in Grand Rapids. - Iraq War Veterans home was illegally foreclosed on
Hay cosas en la vida que causan retrasos en los pagos, y que no tienen que ver con el paro. Un ejemplo es el caso de un veterano de Corea, que sufrió un ataque cardiaco y cirugía para extirpar la vesícula y al salir se encuentra con que sus acreedores no sólo no consideran su situación para llegar a un acuerdo de pago, sino que le subieron la deuda en virtud de comisiones arbitrarias. ¿Será que se debe obligar a una persona moribunda a ir a pagar puntualmente?
On March 13, McCray's house is to be sold to pay the debt, and the retired long-haul trucker who uses a wheelchair most of the time will be thrown out, along with his graying Labrador retriever named Mac. McCray still can't believe it. Amidst a series of illnesses ranging from a heart attack to a gallbladder removal — and the bills that come with such conditions — McCray didn't make one of the payments. Soon, a full-blown dispute was raging. When the tab had run up to $2,394.62, he agreed to pay $100 a month. But every time he talked with association's lawyer or got a new letter, the amount he owed keep going up, up, up. How could this be? He didn't get it. - Homeowners association pursues extreme option — foreclosure — against Korean War veteran
Los indignados de Occupy Atlanta han ayudado a veteranos a no perder sus casas. Han mostrado que no son un simple movimiento de protesta, ni unos perroflautas, sino un movimiento americano de patriotas que ayuda a salvar a los ciudadanos americanos de la desgracia.
In a tangible victory by the Occupy movement, Occupy Atlanta has successfully helped save an Iraq War veteran from foreclosure. Activists began occupying Brigitte Walker's home on Dec. 6. By the end of that first week, JPMorgan Chase, which owns her mortgage, began discussing with the activists and Walker the possibility of a loan modification. Chase's modification offer became official Monday morning. The offer will result, Walker tells The Huffington Post, in hundreds per month in savings. Before Occupy Atlanta set up its tents on her lawn, Chase had set an eviction date for Jan. 3. Now, Walker, who lives with her girlfriend and her two children, will get to stay in her Riverdale, Ga. home. "I strongly believe Occupy Atlanta accelerated the process and helped save my home," Walker says. "If it had not been for them standing up, I probably wouldn't be having this happy ending." - Occupy Atlanta Helps Save Iraq War Veteran's Home From Foreclosure
No se trata de uno o dos casos de expropiaciones bancarias comunistas, sino muchos. Los bancos firman expropiaciones "sin leer los documentos" (dicen ellos), lo que les convierte en máquinas de expropiación comunista.
The irresponsible foreclosure practices of banks have been in the headlines. Employees of both GMAC and JPMorgan Chase (JPM) have admitted to signing off on foreclosure documents without actually having read them. The reports have led to renewed questions about the banks' foreclosure practices. - BofA's unfunny foreclosure tricks
Hay elementos que sugieren que estas expropiaciones no fueron un mero accidente o mala práctica, sino un fraude premeditado, en febrero de 2012.
A foreclosure settlement between five major banks guilty of “robo-signing” and the attorneys general of the 50 states is pending for Monday, February 6th; but it is still not clear if all the AGs will sign. California was to get over half of the $25 billion in settlement money, and California AG Kamala Harris has withstood pressure to settle. That is good. She and the other AGs should not sign until a thorough investigation has been conducted. The evidence to date suggests that “robo-signing” was not a mere technical default or sloppy business practice but was part and parcel of a much larger fraud, the fraud that brought down the whole economy in 2008. - Why State Attorneys General Shouldn't Settle on Robo-Signing
Si el asunto de la expropiación comunista bancaria de las casas aún así parece un "accidente" y no un fraude premeditado para el incrédulo que piensa que los bancos son honestos, vale ver el mismo fraude de robo-signing, pero con tarjetas. Le quieren cobrar a la gente deudas de tarjetas que no tienen. 90% de los juicios de los bancos contra supuestos deudores no tenían esa deuda.
In what one judge called "robo-testimony," falsely attested-to statements by bank document custodians have been submitted in courts around the country by banks trying to win judgments against delinquent credit card debtors. Apparently, tens of millions of credit cards issued by banks have not been accompanied by good recordkeeping, either. - Robo-Signing is the Tip of the Iceberg for the Banks
Reminiscent of the foreclosure crisis, a number of credit card companies that are suing to collect their debt are said to be “flawed” and point to “robo-signing” or “robo-testimony.” “I would say that roughly 90 percent of the credit card lawsuits are flawed and can’t prove the person owes the debt,” said Brooklyn civil court judge Noach Dear, according to the New York Times. - Collectors Robo-Signing for Credit Card Debt Suits
¿Será justo que alguien pague su hipoteca puntualmente y luego entre en paro por una crisis que el deudor no causó y pierda la casa? Esta situación sucede porque el banco no asume los riesgos cuando presta, sino que todos los riesgos los asume el deudor. Esto lo que causa es que haya una casa vacía y una persona sin casa, algo que desde la perspectiva de economía definida como "adminstración de los recursos" termina siendo un adefesio.
Si ya esto desafía toda lógica, la idea de bancos que expropian a la gente como práctica común, para luego alegar que fue un "error" termina siendo un aspecto que genera inseguridad jurídica en materia inmobiliaria para cualquier inversionista. Comprar inmuebles en los EUA es riesgoso, porque puedes encontrarte con que un banco te quitó la propiedad simplemente porque estabas fuera del país o porque estabas viendo hacia otro sitio. Este sistema empuja hacia el feudalismo, un sistema donde la mayoría de las personas eran inquilinos y los nobles (ahora bancos) eran los dueños, y donde los nobles arrebataban las posesiones a los ciudadanos de a pie, a sabiendas de que nadie se opondría.
Los bancos son el nuevo politburó americano. El senado de USA (Unión Soviética Americana) se ha portado como el Soviet Supremo (aunque se pudo haber portado distinto si hubiera querido). Y por ello la expropiación comunista bancaria está a la orden del día.
