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Fighting For Our Homes
Interviewer: "I'm going to make sure it really is moving this time...It's moving, go ahead."
My name is Debra Morris, (states address). I'm facing mortgage foreclosure on my home of 33 years.
Actually it was built in 1940 by my father in law. The reason why I'm facing foreclosure is due to some medical issues back in 2000.
Not that I didn't try to work this out. This loan was established in 1995.
It should have been a VA guratantee loan, and um, tax exempt.
But Aquin at the time, or the lenders at the time did not take the papers, didn't want to go with the regulations that the VA had issued.
They avoided them, and that's where they got me on this high interest which is 14% interest
and for 19 years, up until last year actually when ACORN, I got involved with them
they had gave me a little bit of knowledge and some things to look into, and I looked into it and that's when I found out that I shouldn't have been paying taxes
and they were never applying any of the money that I had sent them, on the loan, for the last 2 or 3 years.
They were supposed to make the loan current. They didn't do that, they did not try to work out something with the income that I have on disability
or penison, and um, we offered a short sale back at that time, which was more than what the loan was still owed
and they turened it down in trying to get more money.
And it all ended up happening that I borrowed $70,000...$79,000 in 1995
and I owe $160,000 in 2009 and I sent them $60...$70,000 and we don't even know where it is.
So, and they're trying to foreclose on my home. So with the help of ACORN, and attorneys, and judges, and everybody that's out there
I can only hope that they can help keep me in my home.
And make it a payment that I can afford on my pension and my disability.
Interviewer: "Do you plan to stay here?"
I would like to stay here till the day I die. My husband died here. Uh, he died a military death, military related
He was born in this house in 1942...43 and I hope to stay here where I raised all my kids through all the hard times
and raised other kids, and I just, I just want to stay here.
If I was old enough to get a reverse mortgage I would do it, but I can't get a reverse mortgage because I'm not old enough yet so...
That's it. I try to take care of the place, I do very well.
It's just that, I think these lenders that are out there trying to get this money, and people like me that doesn't have the knowledge
but ACORN is trying to give us knowledge as to what to do
They think they're getting over us, they're scaring us, they're bullying us to agreeing to things and they think we're just going to give up
and get tired of fighting. Well, I've been fighting this system with ACORN for almost a year now and I'm going to continue fighting till they carry me out of here
So that's the only way I'm leaving, it's carried or locked up.
Interviewer: "Ok, thank you."