Toledo Foreclosure Defense League Takes Aim at Evictions

I have more on my blog about the newly-formed Toledo Foreclosure Defense League, but if you know someone who is facing foreclosure or eviction, this group of activists might be able to help.

Unfortunately, since the government prefers to dole out our tax money to East and West Coast banks, local folks are often on their own in dealing with the fallout from the implosion of the housing and credit markets. This group plans to use non-violent tactics of civil disobedience to address the issue faced by hundreds of families each month in the area.

You can contact the Toledo Foreclosure Defense League by email at foreclosuredefenseleague AT gmail DOT com. You can also call 419-931-6517 or 419-304-2098 to speak with a representative of the group. The Toledo Foreclosure Defense League will also be hosting a public meting on March 31 from 5-7PM at the Mott Branch Public Library (1085 Dorr Street).

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Mike, wouldn't it make a LOT more sense to have started the Toledo Deadbeat Education League instead?

Part of the TDEL's mandate would be to educate people that DEBT IS NOT WEALTH, and also that CREDIT DRIVES UP PRICES.

I'm laughing, too. And not in a nice way. After all, you can't continue to pretend that rising finance participation throughout the ENTIRE 20TH CENTURY of "home purchasing" made any sense except for stupid consumers and greedy banks. And by the time the consumers became as greedy as the bankers, then 100%+ LTV loans and HELOCs became common, therefore THE ENTIRE PROCESS WAS DOOMED.

Toledo house prices MUST continue to fall, and more and more people MUST be foreclosed due to unaffordability or fiscal sanity (since WALKING AWAY from an overpriced buy is sane). Trying to stop foreclosures won't do anything but prolong the period of NECESSARY ADJUSTMENT OF PRICES DOWN TO AFFORDABILITY AGAIN.

When you make a big mistake, you should experience PAIN. The pain of foreclosure tells you that you made a mistake. That's "YOU" making the mistake, not the lender's greedy slobs and not the market's greedy slobs. The greedy slobs were merely ENABLERS, who amplified your own stupidity. Greedy slobs are easily controlled through the process I lovingly call "STARVATION". We should have a hypermajority of smart consumers who can perform basic math and understand basic economics ... and those smart folks end up STARVING the greedy slobs, who then have to find REAL JOBS involving little or no fiscal blood-sucking.

And please, PLEASE stop reporting or saying that these people are losing "their" homes. If you're still paying for it, it's NOT YOURS. You make something YOURS by paying CASH to match the PRICE. ANY use of financing necessarily puts you subservient to the lender, and on top of the horrible COST OF CREDIT, that should have been a minority choice by the population.

People need to go back to LIVING SIMPLY and therefore SAVING MONEY. Your sentiments make ZERO sense considering also that the savings rate in the nation actually dipped so low that it became NEGATIVE. Living beyond your means is morally abhorrent regardless of what you "spent" the money on.

So to Toledo's deadbeats: LEAVE THAT HOUSE. Pack up your shit and GO. Smart people like me who bothered to UNDERSTAND ECONOMICS and SAVE OUR MONEY will end up buying that property at a good discount, which only reveals the REAL PRICE OF THE PROPERTY. CASH is the real price. FINANCING is the fantasy price. Learn the f*cking difference.

And all those unemployed manufacturing workers should have studied harder in school, and people with heart disease should not have eaten all those Big Macs and french fries, and single moms should have kept their legs crossed instead of getting pregnant.

I get it: people should be smarter, and not be such financial morons.

While I am in agreement with you about the virtues of a low-debt existence (only a mortgage and some student loans here, no credit cards, and I drive only $700 clunkers that I fix up), our society is built upon consumerism. We are trained from birth to participate in the consumer culture, and while I shake my head at those many millions of Americans who get sucked into consumerism, at the same time I recognize that this is a system that is well over a century in the making.

The many billions of dollars that advertisers spend to keep the sheeple buying useless crap are a highly effective form of conditioning, and only people like you and me - those who work hard to divest ourselves from brand-name mania and the idiocy of a disposable culture - only we are the folks who will emerge from this recession/depression in decent shape.

That is, us and the well-connected recipients of the bailout/stimulus largesse.

So while I deplore the consumerism that helped breed this economic collapse, I do not share GuestZero's anger at the not-so-bright middle and lower classes who are products of this system. I understand that they were raised in a country that extols the illusory virtues of a credit-happy McLifestyle, and I think that we would be better off using this economic collapse as an opportunity to unplug ourselves from the consumerist matrix.

HM said: «all those unemployed manufacturing workers should have studied harder in school»

No, as they should have rationally sensed the end coming for their lifestyles, hence their consumption should have switched over to conservation.

HM said: «people with heart disease should not have eaten all those Big Macs and french fries, and single moms should have kept their legs crossed instead of getting pregnant»

You've got that right, Mike. I'm glad to see we're on the same page: PERSONAL RESPONSIBILITY.

HM said: «I get it: people should be smarter, and not be such financial morons.»

Well, you clearly DON'T get it, since you're advocating that people resort to civil disobedience when the issue at hand is merely one of contract resolution. If you can't pay the stupid amounts that you so stupidly agreed to of your own, adult free will, then you have to pack up and get the f*ck out of that house. Don't worry about homelessness, however ... we have a HUGE GLUT of domiciles across Toledo. And you can always RENT. Live cheap, smarten up, and buy back in when you have enough to pay CASH.

{aside} Fortunately for you, Mr Foreclosed, NOBODY runs a credit or foreclosure check when you bring CASH ... so you can't be turned down. Magical how that works, eh? And doubly fortunate, since we're at the very start of a Great Depression II, the prices of houses will fall precipitously. So your saved cash will go a lot farther. You merely have to figure out HOW to accumulate cash. Living simply, is the key.

HM said: «our society is built upon consumerism»

Then our society was built to fail, hence the failures you see can't be surprising.

HM said: «We are trained from birth to participate in the consumer culture»

We're also responsible for thinking things through critically, even our cultural biases and errors. Literally, nobody will EVER train you to be an adult or citizen. Those are things you must achieve yourself. And you know what works well for that? CONSEQUENCES.

And there you are, advocating that people AVOID the consequences of their legal actions. Really, why aren't you seeing that?

HM said: «I think that we would be better off using this economic collapse as an opportunity to unplug ourselves from the consumerist matrix.»

Oh, we should. And slapping people around for their previous fiscal stupidity is part of that equation. As I said, you can avoid training and schooling if you really want to, but you CANNOT avoid graduating from the School of Hard Knocks. In fact, the more you DO avoid formal instruction, the MORE you're bound to get "F" grades in the SoHK, with the concomitant paddling and public shame.

As few as ten years ago, if someone were laid off or lost their job for whatever reason, couldn't make their mortgage payments, they had few choices. One was to sell the home, pay off the debt and start from scratch. Another might be to wait until they are thrown out, then start from scratch. Yes, its sad, tragic, a downright shame. But, it is the way the world works: if you've made a committment to exchange money for property, you must fulfill that committment or that property reverts to the entity holding the title.

Today, the Foreclosure Defense League, not unlike the superheroes of the "Justice" League, is coming to the rescue. All well and good. If someone can step in and help these people find a way to make their payments, to renegotiate with their banks, to find work, etc...Wonderful! BUT that is not the case here. The FDL's superpowers aren't put to work to help the homeowner meet the obligations of their contract, but instead, to help them break their contract with the banks.

One of the snippets I heard on the news said that the FDL wants the Sheriff to ignore foreclosure notices, even when the home has been sold to another party...to give the government's forclosure rescue plans a chance to kick in. As other have pointed out--overlook the law, overlook property rights, and have a heart. Let people stay. First of all, the bank and the new owner of the property are shafted. Second, the people rescued are just given a temporary fix to a lifelong problem. Give a man a house and he has a house for as long as he can pay the utilities, maintain it, etc...unless the Utilities Defense League, the Property Tax Defense League, the Home Maintenence Defense League, the Home Furnishings Defense League, the Grocery Defense League, and the Clothing Defense League step in and make sure he doesn't have to pay for that property either.

On the other hand, teach a man to pay for his house, utilities, groceries, etc... that he can afford, and you not only give him what he needs to survive, but you give him dignity.

I'd also like to point out that people losing their dwelings because they can't afford them is a narrative that we've been telling in our culture for ages...and in that narrative, someone DOES come to the rescue and save the house...with some form of WORK.

Here are three examples off the top of my head.

1) Happy Gilmore: Happy's grandma is on the streets and forced into a nursing home because she is $200,000 behind in her house payments. Happy enters the Proffessional Golf Association Tour to win her home back.

2) The Blues Brothers: The orphanage where Jake and Elwood Blues are raised is seized by the bank because they can't pay their taxes...the boys embark on a plan to raise enough dough to save the orphanage by "putting the bank back together" and touring (OK, they do break the law, but they were divinely inspired).

3) The Goonies: A boy's family has to move away from the neighborhood because his folks can't pay the bills. He and the neighborhood kids have one last chance before the evil bankers take the keys--find the legendary treasure of a pirate lost in the nearby caves. They do, and the home is saved!

So, I recommend that all people in danger of eviction seek a buried treasure, enter some sports competition, or start a band and tour the country.

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