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My family includes myself (Karla) who is disabled due to cancer surgery to removea 13cm tumor from my left chest wall. This included removal of four left ribs, aportion if my sternum, a lower portion of my left lung and reconstruction of mydiaphragm. After that, the surgeon removed 22cm of tissue and muscle out of mychest below my breasts and implanted Goretex mesh to protect my heart and leftlung. They then took the skin flaps and glued them together over the mesh. Theysaid that the mesh had to be put in my chest to protect my lungs.and heart sincethey had removed all the tissue and muscle that normally protect them. Severaldoctors have told me that I am lucky to be alive. I also have a metal rod in myleft arm from my shoulder to my elbow which fixed a broken arm in 8/2000, myhusband (David) who has lung disease and degenerative arthritis of the spine, my20 year old son (Zach) who has problems with his legs due to injuries received ina car accident and Crohn’s Diease and my 18 year old daughter (Kimberly) who hasheart problems and bone abnormalities in her feet. We have always had a home andworked and paid our bills. When my husband became disabled in 9/2004, it took twoyears for Social Security to approve his disability benefits. Unfortunately, whenhe became disabled and could not work, we lost our health insurance and just mymedicines were almost $600.00 a month. We were doing good until 8/2005 when allour saved money was gone. We finally found out that you could go to Cooper GreenHospital and get medical care and prescriptions alot cheaper (I wish we had foundout about this option before most of our savings went to medicine). We had amortgage on our home in Sylvan Springs, AL of $25,000.00. The property and homewould probably appraise for approximately $75,000.00. We were working with ChaseHome Loan and thought things were O.K. until a gentleman handed my husband a sheetof paper when he was in the front yard that said our home had been sold asforeclosure and we needed to evict the property. I called Chase Home Finance andat first they told me they were still servicing our loan and that they did notknow why the guy gave my husband that piece of paper. Then after a few days, Chasewould not talk to us about our loan. They said it had been sold to FederalNational Mortgage Association. We went to court two times, filled out applicationswith every mortgage company we could and were always rejected for refinancing ourloan because we were low income, disabled, lived in a manufactured home, etc. Wewere doing everything we could to hold onto our home. We will be married 31 yearsin April, 2009 and we moved onto that property in 8/1978 and have raised threechildren there. The land was given to my husband by his father because he was theonly boy in the family (he has four sisters). My oldest son, Daniel (age 28) ismarried and has his own home and family with a little girl almost three years old.He was diagnosed with testicular cancer and underwent surgery on 8/29/2007. Hewent to the Cancer Treatment Centers of America to undergo radiation treatments.My husband went with him because his wife needed to stay at home with theirdaughter. On October 3, 2007 an envelope with no postage on it bearing a returnaddress of Sherriff Mike Hale was in our mailbox. The paper said that we had tovacate our house within six days and that if we did not, they would come "set usout". We lived in fear and tried to find out what was going on but nobody couldtell us anything. With everything else going on, we sort of forgot about it sinceno one did come "set us out". Then all of a sudden, on November 6, 2007, mydaughter and I learned what "set us out" meant. We were home, just my daughter andmyself and I heard stomping around on the front porch. I went to the front doorand put a brown chair in front of it and all of a sudden someone started shoutingthat there was somebody at home and they started kicking the front door (the doorwas a metal insulated door with a regular lock and a deadbolt lock). I waskneeling in the floor with my chest against the chair. The county sheriff startedkicking harder and harder and when he could stick his head in the door, I askedhim if they could come back later because my daughter and I were by ourselves. Hesaid he just wanted to come in and talk to us. I lost my strength and with onefinal big kick, he knocked the chair over and I went sliding across the carpet...Iwas kneeled against the chair crying and the force of the kicking was hitting mein the chest right where the mesh is implanted When I slid across the carpet, my

knees and the tops of both my feet were scraped and bleeding. My face hit thecorner of the entertainment center containing our television Later, when I had aplace to brush my teeth, I saw that my right upper tooth was cracked right at thegum line. He then came in and started harassing my daughter and I told him he hadbetter leave her alone. I grabbed the telephone and dialed 911 because I washurting in my chest and I heard the dispatcher over the sheriff’s radio state acall for help had been made from our home. The sheriff told the dispatcher thatthey were there and everything was fine and they did not need to send anyone toour home. I called 911 again and the dispatcher did not even put out a call tosend any type medical technician to our home. I called the Red Cross for helpbecause I did not know where my daughter and I were going to be able to stay and Ineeded assistance getting all our furniture, clothes, etc into storage somewhereso they might be salvageable. The person who answered the phone at the Red Crosssaid they did not have resources to help us. Three other men rushed into thehouse (it is believed that these men were inmates of the county jail) and startedgrabbing things and throwing them in the front yard. They took my rug in my livingroom and any of my blankets and sheets they could find and laid them down in thefront yard. They loaded things in the house in plastic bags but commented thatthey did not have enough bags so they just came outside and dumped the contents ofthe bags on my linens, etc. in the front yard. They did not care if something gotbroke. My belongings may not have looked like much to them but they destroyeditems I had received and cherished for 30 years. My daughter and I had to go outin the front yard in our pajamas and that is what we wore all day because we didnot know what they did with our clothes. We sat and watched as the two JeffersonCounty Sheriff officers and the three other men went and got lunch and did noteven offer us a drink. We still do not know what we do have and what we do nothave. We did not go outside when we did not feel good and one of the countysheriffs commented to my daughter-in-law that they had put an envelope with astatement that they would return the next day behind the “No Trespassing” sign onthe locked gate in our front yard and that we had not even read the paper and thatit was still where they had put it the day before. I had not noticed the envelopeuntil my daughter-in-law told me what he said. I went and got the envelope andthere was just a piece of yellow legal paper saying they would return the nextday. We put what items we could in storage. My oldest son Daniel has a daughteralmost three years old and his own home. Daniel underwent surgery for testicularcancer during the last week of August, 2007. We wanted him to have the bestchance of survival so my husband took him to the Cancer Treatment Center in Zion,Illinois. He was accepted for care there and he and my husband left to stay therewhile he got his treatments. My husband used three months of his income so theycould stay up there. My son, Zach was trying to go to college at The BaptistCollege of Florida, hoping to become an ordained minister. We wanted to try andget our home back. But around 3:00 P.M. on 11/20/2007 my mother-in-law calledstating that it was sad that the house had burned. I did not understand whathouse she was talking about she until she said that around 3:00 A.M. on 11/20/2007a loud boom like an explosion was heard and that the house was more blown up thanburned and that the fire department just mainly kept the fire from spreading toother homes. I could not believe what she said so I went to see for myself. Ifelt like my heart was being ripped out as out as I stood there looking at it andseeing all the memories in my mind of my children being born and raised there. Weneed someone to help us. We would like to regain ownership of that land where welived and worked on for 30 years and that meant so much to my husband since myfather-in-law is now deceased. So, all the males in our family at that time (timeof eviction through house blowing up) were out-of-state. When my son (Daniel) andmy husband came home the Wednesday before Thanksgiving, my husband, myself, mydaughter and my 19 year old son lived in a camper pulled next to Daniel's housesince they did not have space in their home for all of us to sleep. Zach returnedfrom Florida and did not return to the Baptist College because of problems withhis Crohn’s disease. We would appreciate any assistance your organization may be

able to give us. About 60 days after the fire, some people said they had alreadypurchased the land for around $30,000 and were moving a large modular home ontothe property. I never found out what the man’s name was, but he said he had ahard time purchasing the land and had to go through some channels in Montgomery,Alabama to get the land released to him. There was never a “For Sale” sign on theproperty and I don’t know how this man knew it was for sale and had obviouslyspent a lot of time before the six weeks trying to purchase the land. I wouldthink that Federal National Mortgage Corporation would have had an insurancepolicy on our home based on the total for the house and land. We have received nocorrespondence about what money may be ours because of the way it was sold. Isent correspondence to the Alabama Insurance Commissioner but have received noreply. I have been trying to find an attorney who will help us file a lawsuit dueto unlawful foreclosure and eviction. We also need an attorney to file a lawsuitagainst the Jefferson County Sherriff’s Department for bodily injury and all themental injury that has affected our family due to their actions.The address to our home was: 5126 Elm Lane Sylvan Springs, AL 35118. We arenow renting a house at 379 White Oak Trail Warrior, AL 35180. We can becontacted at (205) 647-6611 or cell phone (850) 272-1697 or through e-mail atdhogan64@yahoo.com. The house we are renting is $200.00 more a month than ourhouse payment. We had claims with FEMA, HUD, etc and were lead to believe thatwhile this process was continuing that our home could not be foreclosed. I havestacks and stacks of papers to provide evidence of everything we have been goingthrough. We need help from anyone and everyone. We want a home that is oursagain and maybe new memories will fill that house and we will know we can reallycall it “home” because the house we are renting does not feel like “home”. It wasstrange when a few days after we moved into this rental house, we received astatement that the property taxes due 12/2007 were paid out of our escrow. Howcan we have an escrow account and not have a house? We paid the property taxesthat were due 12/2006 by going to the Jefferson County Courthouse in Bessemer, ALand paying them with cash for which we have a receipt.We lived in Sylvan Springs, AL for 30 years and my husband had lived there sincehe was 5 years old. After the eviction, no one asked us if we needed help tryingto save our belongings. I witnessed some of the neighbors looking out the windowsduring the six days it took to pick up all our stuff and try to get it in storage,I don’t know how I survived or even functioned during that time. I spent severalnights sleeping in our vehicle in the front yard so people would not try to stealwhat little was left. To other people, this was probably just a house and landbut to us it was much more. It was a home where good things had happened and sadthings had happened. It was a piece of land that was full of pine trees until myhusband and I were married and cleaned it up, put a home there, worked year afteryear to get rid of all the tree stumps and planted flowers and always made surethe land was mowed and looked good. It was a piece of land that my husband andhis father planted a six inch cedar tree that was over ten feet tall when we wereforeclosed. It also contained a water oak tree that was beginning to look goodand this tree was given to my husband by one of our neighbors who passed away twoyears before the foreclosure. I went to see the land a few months after theforeclosure and the first thing I saw was that cedar tree laying in the yard wherethe new owner cut it down. It was nothing but a tree to them. I got so upsetwhen I saw that tree and besides crying became physically ill and nauseated. Ihave not went by there any more. One of our neighbors had a stroke and wasparalyzed on his left side. My husband took him hunting, fishing, shopping, etc.just to get him out of the house and not be sitting by himself all the time. Myhusband paid for everything when they went hunting and fishing because we knew hedid not have much income.When we found this house to rent the hurt just kept coming. Everyone we had lived

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Foreclosure of Home - Desperately Need Help

Document uploaded asking for help (legal, financial, etc.) concerning illegal eviction, personal injury and trauma in Alabama

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Category:	Business/Law > Real Estate
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Upload Date:	03/01/2009
Copyright:	Public Domain
Tags:	help injustice foreclosure illegal eviction of disabled occupants personal injury and trauma caused by local law enforcement personnel help injustice foreclosure illegal eviction of disabled occupants personal injury and trauma caused by local law enforcement personnel (fewer)