If you have missed mortgage payments or if you have received a notification of foreclosure filing, contact Occupy Youngstown immediately

and stay in your home! If you get threats from banks or a mortgage servicers, contact Occupy Youngstown immediately and stay in your home! If you know of neighbors fighting a foreclosure, contact Occupy Youngstown immediately and stand with them for their sake and for yours! Demand that banks renegotiate mortgages of those who make good faith efforts to restructure their payments! Demand that the bailed-out banksthe ones responsible for the housing bubble and the recessionreduce the principle of underwater mortgages! Demand county-wide moratoriums on evictions across northeast Ohio!

Occupy Youngstown is made of people like you, people who want to liberate their futures from the interests of the 1%. We are not dreamers but awake to the reality that a world governed by materialism, inequality, racism, and war is socially and environmentally unsustainable. We believe that all humans have a right to food, housing, fair and dignified employment, healthcare, and meaningful participation in the decisions that effect their daily lives. We know that no one will act in our interests if we do not do so ourselves. We are fully democratic and open to all who will work to build an equitable, sustainable future. We Are the 99% and We Are Unstoppable!

OCCUPY YOUR HOME!

Confront the Foreclosure Crisis We Are the One We Have Been Waiting For

OTHER RESOURCES
OHIO FRAUDclosure
<http://ohiofraudclosure.blogspot.com/>

Catholic Charities
<http://ccregional.org/> offer up to $3k in

assistance for homeowners facing foreclosure. Restoring Stability/Save the Dream

<www.restoringstability.org> offers up to $25k in

OY
Occupy Youngstown
The 99% Is Too Big to Fail We Are Unstoppable Another World Is Possible

assistance for homeowners at risk of foreclosure, especially those receiving, or who have exhausted, unemployment benefits. Funds can also be used as payment, if the bank chooses to cooperate. HUD Certified Housing Counseling Agencies <http://www.hud.gov/offices/hsg/sfh/hcc/ hcs.cfm?webListAction=search&searchstate=OH> Legal Aid
<http:/www.communitylegalaid.org/>

OCCUPY YOUNGSTOWN
Operation Occupy Your Home
oy.foreclosure@gmail.com

330.207.2468

The Foreclosure Crisis

Make no mistake, the big banks are creating the current foreclosure crisis. These are the very same banks that received a taxpayer bailout after they wrecked the economy by fraudulently selling high-risk, mortgagebacked securities as AAA-rated investments. Most of the high-risk mortgages have already been processed. The foreclosures being processed today effect honest, hardworking people who have fallen behind in payments because of the bad economy or personal hardships. These are not people who bought beyond their means or who want a free home. They are your neighbors. They maybe you.

How Does Fraudclosure Work?

In order to initiate a foreclosure in Ohio, lenders (1) file documents with the county courts and (2) notify homeo78wners of the filing either by mail or by publishing their intent. After notification, the homeowner has 28 days to contest the lenders filing. Many times lenders fail to make reasonable attempt at notification. Even when the homeowner is notified, lenders often file bogus claims and cannot produce the note proving ownership of the mortgage. The homeowners best legal case is made in these first 28 days, by contesting notification and ownership of the note. After this point, homeowners are at the mercy of judges and sheriffs. Loud allies, like Occupy Youngstown, are their best bet.

What Occupy Youngstown Wants: Occupy Your Home!

Occupy Youngstown wants you to join us and the larger Occupy Movement to turn the tide against the banks and fraudclosure. Heres how. We want to establish a visible presence in your neighborhood. We want to spread news, door-to-door, about the process of fraudclosure. We want to assist those in need of legal counsel to find a pro bono lawyer.

What the Banks Want

The same banks we bailed-out are now engineering a nationwide land grab. They dont care about families, communities, or homes. They care about wealth and property. Foreclosures are a way for them to take land and housing stock, hard assets that are doubly valuable in a declining economy. They made money by selling bad mortgages as securities. They made money by collecting mortgage payments from homeowners. Now they want the homes too.

What Should You Do?

The most important things you can do are (1) believe nothing that banks and loan servicers tell you, (2) challenge everything, and especially (3) stay in your home! If you have missed even a single house payment, you need to look for notification and immediately begin fighting foreclosure. Occupy Youngstown can help! Contact us. If you are in the foreclosure process, you can resist by fighting eviction and by educating your neighbors. Occupy Youngstown can help! Contact us. Even if your house is secure, join Occupy Youngstown, stand-up for your neighbors, and defend your neighborhood! Foreclosed homes become abandoned homes, and abandoned homes are stripped and left uninhabitable, lowering property values. But, most important, a foreclosure means your neighbors are being thrown to the street for the sake of a bankers balance sheet!

How the Banks Get What They Want

All across the country, banks are dealing in bad faith with homeowners who want to reschedule payments, refusing payments and forcing foreclosures. They bully homeowners with teams of lawyers and forge documents for foreclosure proceedings. They swamp courts with foreclosures so that magistrates and judges rush individual cases to judgment. This is not a foreclosure crisis. This is fraudclosure!

We want to defend homeowners from eviction. We want to be good neighbors, assisting wherever and however we can. We want to expand the Occupy Movement, incorporating the labor and leadership of people from throughout the Mahoning Valley. We want to create the best world we can collectively imaginebased on the principles of inclusion, cooperation, and fairnessone neighborhood at a time.