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Foreclosure Auction Forestalled

Josie Jenkins said Congressman Mike Thompson's office helped broker a 30-day extension on her foreclosure so she can apply for state mortgage assistance to supplement the income from her new job.

Occupy Napa turned out for Josie Jenkins Thursday afternoon, with about a dozen local Democrats, Green Party members and other activists carrying signs and a banner.

Jenkins had called for support Wednesday after learning that , which holds the mortgage on her home, intended to sell the property on the courthouse steps Thursday afternoon, she said. (See , 5:50 a.m.)

But the protesters didn't need to do much more than cheer as Jenkins announced that that morning, she'd received a call from a staffer in 's office who had interceded with the bank.

"They intervened," she said, explaining that Bank of America has given her another 30 days to apply for assistance programs she said are widely available, but underutilized.

"Now Making Home Affordable and Keeping California Home can process my application," she said. "They needed at least seven days."

After a period of unemployment during which she volunteered with and , Jenkins recently landed a position as a legal clerk with Napa County's child welfare department.

She said she will continue her volunteer work and also devote herself to educating more at-risk homeowners about the programs available to them.

And, she told the cheering demonstrators, "I'll always be there for Occupy Napa because Occupy Napa is here for me."

Aimee Inglis January 26, 2012 at 11:17 PM
Josie is such a vital member of our community I am so glad people stepped up and were at the ready to help her keep her home. Huge thanks to Occupy Napa and Mike Thompson!
Louisa Hufstader (Editor) January 27, 2012 at 03:32 AM
Register made a really good video with Julio and Josie. (Pay no attention to the Patch editor in the background.) http://napavalleyregister.com/news/local/foreclosed-homeowner-gets--day-reprieve/article_c382e29a-4884-11e1-96a6-001871e3ce6c.html?mode=video
Pam Silleman January 27, 2012 at 04:15 AM
Mike and his staff tried to help me as well when I fell for the 'loan mod' scam. I really wish I had never trusted the words of President Obama on TV that day when he said that he had worked with banks to make a 'new' loan modification program for folks that had never missed a payment, but, 'by no fault of their own' were under water and owed more on their homes than they were worth. I thought, 'oh, that is ME"...........I called Chase Manhattan and the rest was a nightmare that, unless you lived thru it, would never believe. Chase told me that I could not be 'looked at' for the program until I was 60 days late on my payments. I had never had a late payment, but I trusted the President and Chase Manhattan......well......that was a mistake. Mike Thompson's office did try to help, but that ended badly after they accidentally, I am sure, gave the bank the wrong address and the chain of events were tragic. I lost the house my parents had left to me, totally messed up my credit rating and has cost me a great deal by slashing my credit limits and increased interest rates on all of my credit lines. My advice: don't trust em, very few loan mods come through and the anguish is just painful. I sure wish this lady here much of luck. I do feel her pain, that is for sure.
Joanne Gifford January 27, 2012 at 07:08 AM
Occupy Napa would have been there in even bigger numbers, too, for Josie, but many of us had already heard about the bank's agreement to postpone the foreclosure sale by then and knew we no longer needed to be there this afternoon. We love ya', Mama Josie!
Stefan C. Jezycki January 27, 2012 at 02:35 PM
I am always saddened when I hear stories like Pam's. It is true, ou cannot believe what you hear or see on TV. It happened the other night during the state of the union address, the program Obama talked about does not even exist and he needs congress to author, approve and deliver such a bill before it can become reality... Misleading at best. I do have to say, as a local Realtor, Mr Thompson's has been both patient and courageous in their attempts, sometimes successful and others not so. They have been fantastic support for us.
Stefan C. Jezycki January 27, 2012 at 02:38 PM
Please note that it is against the law to collect upfront fees for a loan modification. Please call a "local" professional for guidance and direction. The honest ones work along side each other in conjunction Mile Thompson's office, attorneys, and accountants. Beware fraud and report it when you experience it. Throughout the state DA's along with the FBI and the Secret Service are investigating and prosecuting these bad people.
Timothy Nonn January 27, 2012 at 03:57 PM
Thank you Occupy Napa! We are working at Occupy Petaluma and Occupy Santa Rosa to create a "Foreclosure Prevention Zone" in Sonoma County. Would someone from Ocupy Napa please contact me at timothynonn@gmail.com? If we coordinate our efforts, we can keep more people in their homes. Here is our website: http://www.occupypetaluma.com/foreclosure-crisis/
Debra Sherman January 27, 2012 at 04:50 PM
Hi I was there yesterday primarily to support Josie, as she has indeed contributed much to our community. I'd like to also state that I am a Republican, so no, not just liberals attended. Let me say that as a local Real Estate Broker I am applalled at what is happening. Most short sales and mortgage restructuring by bank asset managers do not go through. On top of that, many mortgage holders that are in trouble do not stand a chance if the do not have a Fannie Mae or Freddie Mac backed loan. There are no laws even started to help all the other homeowners who ever did a refinance years ago. The banks had set up bad loaning practices which led to this collaspe, such as no-doc stated loans.
Debra Sherman January 27, 2012 at 04:51 PM
Part 2: The corporations made money and then they took trillions of tax dollars in a bailout, saying the economy "would collaspe" if they didn't. As a R.E. Broker, I am appalled that my industry partook, unknowingly, in putting people into these houses of cards. There are unfortunately many people in my industry preying on people whose homes are in jeopardy. Pretending to make random calls, they say that they are "looking to help people, might you know anyone that could be undergoing a forclosure?" - all the time knowing who they are talking to, having purchased the names from people that broker Notice of Defaults lists. I continue to believe that real estate is a good long term investment and continue to work in the industry. But some of what has gone on is deplorable. There are both good and bad within our industry. Please be careful out there.

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