Wednesday, Feb 8, 2012
workaround

Donate Now tile

User login

To prevent automated spam submissions leave this field empty.




workaround



Triangle Park Creative

Birthday eviction hearing for Minneapolis woman

Friends and allies demonstrated outside the Hennepin County government center and packed the courtroom. (Photo: Madeleine Baran)

April 22, 2009
Rosemary Williams spent her sixtieth birthday inside a crowded courtroom April 22, where she began the legal process of fighting eviction from her foreclosed Minneapolis home.

UPDATE April 26, 2009 Rosemary Williams’ court date has been postponed until May 26. The Minneapolis resident’s supporters declared the date change a victory, as it will allow Williams to remain in her home for at least another month. “GMAC is really freaked out,” Linden Gawboy, organizer for the MN Coalition for a People’s Bailout, said. “It shows that we’re having an effect and they’re running scared.” GMAC Mortgage, Williams’ lender, could not be reached for immediate comment.

Dozens of local activists packed the Hennepin County Housing Court to support Williams’ legal challenge, vowing to engage in civil disobedience if the court rules in favor of eviction in an upcoming jury trial.

“This case is not just about me,” Williams said in a press conference before the hearing. “This is about our whole country. We’re here today to say the evictions have to stop.”

Williams has lived on the 3100 block of Clinton Ave. S. since she was five years old. Twenty-six years ago, she and her mother purchased her current home. When her mother died six years ago, Williams, who worked in social services, struggled financially. She refinanced twice into an adjustable rate mortgage and her monthly mortgage payments went from $1,200 to $2,200. She recently lost her job and owes about $184,000 to her lender, GMAC Mortgage.

When Williams’ home was sold at a sheriff’s auction, she received notice that she needed to vacate the property by the end of March. Since then, several local activist groups, including the Minnesota Coalition for a People’s Bailout, the Poor People’s Economic Human Rights Campaign, and the Welfare Rights Committee, have held events and press conferences at Williams’ home.

Jordan Kushner, Williams’ pro-bono attorney, requested that the court consider the community impact of foreclosures before evicting households. He argued that allowing Williams’ home to become vacant would constitute a nuisance. Minnesota statutes define a nuisance as “an activity that, in one way or another, affects the right of an individual to enjoy the use of a specified property.” Kushner stated that he is not aware of any legal precedent for his argument.

“There are certain times when the law actually gives way to social needs, when the human suffering that the law causes is so obvious and so significant that the law needs to change,” Kushner said. “This is one of those times.”

Activists said that several houses on Williams’ block are already vacant. Cheri Honkala, an organizer with the Poor People’s Economic Human Rights Campaign, argued that empty homes lead to increased criminal activity and destroy neighborhoods. “We don’t want these empty houses to be used as crack houses,” Honkala said. “We want these empty houses to be used for families. And so we are stepping forward to say no.”

Last week, the state Senate’s Economic Development and Housing Budget Division voted against a proposed one-year moratorium on foreclosures, angering local activists who contend that the current economic crisis demands a more radical response. Nationwide, the number of foreclosures increased 24 percent in the last three months. Over 800,000 households received a foreclosure notice from January to March, according to the Associated Press.

Judge Mark Levine granted Kushner’s request for a jury trial, over the objections of GMAC Mortgage’s attorney Robert Williams. The next court date is set for April 28 at 9 a.m.

Madeleine Baran is a freelance journalist, specializing in labor and poverty issues. Her articles have appeared in The New York Daily News, Dollars & Sense, Clamor, The New Standard, and other publications.


Support people-powered non-profit journalism! Volunteer, contribute news, or become a member to keep the Daily Planet in orbit.

mbaran's picture
Madeleine Baran

Madeleine Baran is a freelance journalist specializing in labor and poverty issues. Her articles have appeared in The New York Daily News, Dollars & Sense, Clamor, The New Standard, and other p

Comments

Comment viewing options

Select your preferred way to display the comments and click "Save settings" to activate your changes.

I realize this mortgage

I realize this mortgage crisis is just that...a crisis. I do not know this woman's whole history, but folks, there are people that are out there that had no business buying a home they could not afford. Were banks manipulative- you bet. Doesn't make them any better. But we as homebuyers, consumers...etc know or should know what we can/can't afford. When I was 21, I had a banker trying to sell me 200K loan when I made $13 dollars an hour. Sounded great, but I knew, I could not afford it. If I couldn't afford it on a conventional load, I wasn't screwing with a fly-by-night kind of loan. Why is it that I got it, but yet adults dont' "Get it?"

Let Public Good Reign Over Private Greed

it seems that in these turbulent times, we must look at society in terms of "we". what do we want? do we want children in the streets or families separated due to decades of failed economic policies and greedy banksters gone crazy for profit at the cost of the public? do we want vacant houses to bring down neighborhoods and our neighbors' relationships with other neighbors? knowing Rosemary Williams, i would say that one would have to be a psychopath to want to push her into the streets... never mind the children who would also be forced out. Rosemary has been called a pillar of her neighborhood... 55 years there. that strikes me as a neighbor that cannot be replaced. some people stuck in individualistic thinking will say that she is irresponsible. i don't think so... actually, Rosemary has shown incredible responsibility for taking this very public stand because she knows that her stand will help others. Rosemary Williams is not really just a neighbor to those living in the central neighborhood of Minneapolis, in a larger sense, Rosemary Williams' is a neighbor to all of us.

Good Luck Rosemary

I wish you well. I really do. I don't want to hurt you by bringing this up but why did you accept those really bad loan terms, especially when , if you bought your house twentysix years ago the original mortgage would have been nearly paid off? The house would then have belonged totaly to you.

Wells Fargo took over GMAC loans

That loan amount is not very big and Wells Fargo could easily modify the loan so Ms Williams could make the monthly payments. Unfortuantely Wells Fargo receives more from the tax write off of the loan going to auction than they do modifing the loan. ** at the time Ms. Williams refi to an adjustable rate mortgage she had a job and thought she would be able to refi to a fixed mortgage. That is what many of us loan officers were selling. Infact Wells Fargo had a whole marketing campaign with a bestselling author, David Bach, who wrote "the Automatic Millionaire Homeowner: A Powerful Plan to Finish Rich in Real Estate".. the loan officers where push to push borrowers to take out money for home improvement, paying off debt with adjust arms and telling borrowers that they can always refi to a fixed mortgage or sell the home. * Unfortunately, normally if someone loses their job, they often can "sell" their home but not in today's market. *** Wells Fargo should have already done the right thing and Modified Ms. Williams loan. Laws are changing and hopefully with Ms. Williams and her supporters dedication to stay in her home, it will change quick enough for her to keep her home. ** Many times if someone has a Mortgage Insurance company cause they didn't have at least 20% in the home, the Mortgage Insurance company will help the homeowner get their loan modified. Maybe if many protested in front of Wells Fargo Mortgage on 28th and 4th Ave.. Wells Fargo Mortgage headquarters in Des Moines, IA will listen.

Unfortunate

I would like to learn more about this unfortunate situation. The last poster seems to know something about the situation, so perhaps he or she can fill in the blanks. As long as Rosemary has chosen to make herself the poster person for foreclosure, her experience could perhaps provide real insight if all the details were disclosed. For example: 1) How much is the outstanding balance of the loan? 2) How much equity did she pull out of the house? 3) What did she do with the money she got from the bank in exchange for her house? Did she put it up her nose (not likely). Did she take trips? Did she put it back into the house? It seems to me that if the amount is so small, and Rosemary has so many supporters, it would have been easier for everybody to pitch in and just pay off the balance. But then again, if her supporters are not willing to put their money where their mouth is, or they do not believe that Rosemary would be willing or able to pay the money back, then it is unfair to expect everybody else to pay for Rosemary's debt. Why should my pension, made of mortgage securities, and all I have to get me through my old age take the financial hit rather than her supporters checking account? As an old Marxist, I am reminded of the words of Karl: "In every stockjobbing swindle every one knows that some time or other the crash must come, but every one hopes that it may fall on the head of his neighbour, after he himself has caught the shower of gold and placed it in safety. Après moi le déluge! is the watchword of every capitalist and of every capitalist nation." - Karl Marx, Capital Chapter 10 Unfortunately it looks like Rosemary tried to be a capitalist with the equity from her home. She gambled in the bubble trying to ride the artificial prices of the boom. She played. She lost. It is truly a pity. But it is better that she loose than all of the workers whose pensions and futures she tried to profit from. Rosemary and her supporters; there are many many foreclosed houses. Many on the same block. Many are priced at @25K or less. Pool your money. Buy one. Put in the hard manual labor to make it a home. You tried to play the game and you lost. Move on and quit drawing this process out. All your court antics at this point do nothing but cost the taxpayers money. Quit wasting more of our money.

Post new comment

The content of this field is kept private and will not be shown publicly.
  • Web page addresses and e-mail addresses turn into links automatically.
  • Allowed HTML tags: <a> <em> <strong> <cite> <code> <ul> <ol> <li> <dl> <dt> <dd> <p> <br> <img> <span> <div>
  • Lines and paragraphs break automatically.
  • You may use [google_ad:ad_slot] to display Google Admanager ads within your content.

More information about formatting options

By submitting this form, you accept the Mollom privacy policy.
To prevent automated spam submissions leave this field empty.
workaround

Free Speech Zone

The Free Speech Zone offers a space for contributions from readers, without editing by the TC Daily Planet. This is an open forum for articles that otherwise might not find a place for publication, including news articles, opinion columns, and announcements. The opinions expressed in the Free Speech Zone and Neighborhood Notes, as well as the opinions of bloggers, are their own and not necessarily the opinion of the TC Daily Planet.

Click here to see a display of Twin Cities problem reports, from potholes to neighborhood eyesores. Click here to report a problem. Have you used SeeClickFix? Have you gotten any response from city officials? Let us know - email info@tcdailyplanet.net

Spamme