Facing Foreclosure? Start a Petition.

by Jess Kutch · 2011-07-06 09:33:00 UTC
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Right now, millions of Americans are facing foreclosure on their homes - many of these people, like Tim Collette, played by the rules. Many banks, however, are behaving badly. The good news is that you can do something about it.

If you're facing foreclosure or know someone who is, here are some helpful steps you can take to fight back.

1. Get help! Don't try to do this alone. There are HUD-certified mortgage counselors in each state. You should also review HUD's foreclosure prevention page for tips and information. Some homeowners seek out legal assistance, and many states offer pro-bono legal counseling. If you feel you need legal representation, visit LawHelp.org for assistance.

2. Keep meticulous records of all communication with your lender. Start with using a call log including the date and time you called, who you spoke with, how long you were on hold, and detailed notes about your conversation. Keep any documents on file, too. The homeowners who get the best help are the ones who have the paperwork to back up their claims and work.

3. Start a petition on Change.org. Below are steps for creating a petition to your bank to save your home:

  • Find out who's a decision-maker at the lending bank branch. (This person will most likely be the target of the petition.)

  • Briefly explain what happened (e.g. did the bank deny your loan remodification? Did they lose your paperwork?).

  • Tell the target what you're asking for (e.g. remodify my loan, don't foreclose on my family, give me a single point of contact at the bank). Remember to be specific in your request.

  • Launch your petition!

  • Spread the word on Twitter & Facebook.

  • Research local reporters who are writing or reporting on foreclosure issues in your area and email or call them about your story.

  • Contact JessK@change.org and let her know you've launched your campaign and want help promoting it to the broader Change.org community.

4. Connect with local groups to build your campaign. Many organizations are working on cases like yours. Look for groups like Economic Fairness Oregon (state-based group) and PICO (national network of groups) to help you with arranging a meeting with an elected official, pitching your story to the media, and advocating for state legislation to help homeowners fight back.

Remember, you're not alone. By taking a stand, you're helping shine a light on the unfair practices of big banks and giving a voice to homeowners everywhere.

Now, go start your petition!

Photo Credit: @JacobRuff

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