I would like to use this forum to send a prayer to the Brown family. I'm sure the Brown family are going to get through this with a strong faith in "God" and move on, after they win in court.


When Lisa Brown moved into her rental house on Long Island last summer with her three daughters, she says, it felt like a new beginning. After living in apartments, the spacious house got her attention immediately. "It was bigger than what I had lived in," she says. Brown was also won over by the neighborhood with its tidy homes and good school district. "I wanted to come here, and I wanted to see my kids graduate from this school district."
But they hardly had a chance. Instead, fighting back tears, she says, "I have to get out." Brown and her family are being evicted not because of anything they did, but because her landlord defaulted on the mortgage and the house fell into foreclosure. The house was recently sold at auction.
The bad news came just seven months after Brown had moved in. A real estate broker came to the door and handed her an eviction notice, telling her she had 30 days to vacate. "I was hysterical, I was like, what do you mean?" The broker explained that the landlord no longer owns the property and that the lease was no longer valid. Brown had no idea the house was in foreclosure. As a tenant, she always paid her rent on time, and she assumed the rent was going toward the mortgage.
"I didn't see there was a problem," she said. "You know, I'm paying rent, and she's putting it toward her mortgage, I didn't see the problem." Unfortunately, Brown is not the only tenant caught off guard. According to the Center for Housing Policy, nearly 20 percent of all foreclosures are on rental properties, and tenants' rights in such situations are minimal.

In most states, when a bank forecloses on a landlord, the tenant has no guarantee of being allowed to stay in the property, and neither the bank nor the landlord has a legal obligation to tell the tenant about the foreclosure. So while the owners know what's going on, renters are usually kept in the dark.
New York State Sen. Jeff Klein is aware that renters can run into problems. "In many instances, they're actually paying their rent on time, and the owner of the property who is in foreclosure is pocketing the money," he says.
Klein says rental properties are involved in 50 percent of all foreclosures in New York, and he is working on a law to warn renters of foreclosure proceedings ahead of time and to keep them from losing their security deposit and being evicted with nowhere to go.
Similar laws are already in place in Ohio, Illinois, Minnesota, Maryland, Rhode Island, Michigan and California. "What we're facing here", Klein says, "is sort of the new homeless population unless we do something about it."

Brown was astonished to learn that her landlord rented her the house when she knew she was losing it. "She knew that this house was foreclosing on her. She did nothing about it. Nothing, except take my money."
Brown was paying $1,900 a month in rent. She had also paid $5,700 for a security deposit and broker fees to secure the house. She says that money is gone. "She will not give me my deposit back. Nothing."
CNN tried to reach the owner, who lives upstairs, for comment, but her phone was disconnected, and no one answered the door. The broker who rented her the house and who was paid $1,900 says he did not know the house was in foreclosure. He also says the brokerage fee will not be returned.
"It took everything I had to move in," Brown says, "to give my kids a better environment." And now, "I'm left out with nothing."
Because eviction papers trump the lease, Brown has no legal right to stay. The bank that foreclosed on the house, and now owns it, offered her $1,000 to get out, but she says she's lost close to $6,000 and has nowhere to go.

"If it was me, yeah I could move out and go on my own. But it's my family you're talking about, my children, my three daughters and my pets, that I brought in here thinking that we were going to stay and be happy."
Brown is considering suing the owner in small-claims court to get her money back and cover moving expenses. For now, though, she says she will adjust her dreams and find another place for her family to live.

Yours truly,
Anthony Smith

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Greetings, Pizzichemi

This is not my story, this is Mrs. Brown story from Long Island, NY, Mrs. Brown landlord defaulted on her mortgage and leased her the house knowing the house fell into foreclosure. I believe she will fight this in court, and will win all her money back and damages. I posted this story on Black Preaching Network to bring light to her problem, like so many facing foreclosure in America. Fight is a very good idea, I was born in Cleveland, Oh, but I used to live in Brooklyn, NY if I was still in NY, I would be more than happy to help Mrs. Brown by writing to her city council, the bank mortgage company, lawyers, the Mayors Office, and Council Committee Meetings. It's lil' really any one person can do. Mrs. Brown case is different from someone that owned a home & lost it under foreclosure because Mrs. Brown was renting from a landlord that owned the home, took Mrs. Brown money, and leased the home out knowing the home was going to be foreclosed. But, yes, fighting is a very good idea, here is one way you could fight the system that cost nothing.
You can start an online petition website and get the support you need through signatures for your petition. It's a free service at this website http://www.ipetitions.com/ . There are many online petition services out there you could use.

Yours truly,
Anthony Smith
Also, I would like to say, I think what we have to focus on is that rental properties are involved in over 50 percent of all foreclosures across America. And in this case, like so many, the tenant has no guarantee of being allowed to stay once the home is under foreclosure. The Banks nor the landlord has any "LEGAL OBLIGATION" to tell the tenant about the foreclosure. It's like a company being broke-up & shipped over seas,[OUT RESOURCED] the CEO, President nor the head of human resource, they don't have to tell hourly employees anything, until they hand them their pink slips.

I think in this case, like many other cases, the landlord is experiencing financial difficulties, beyond their control and it resulted in them falling behind on their mortgage payment and now their headed toward bank foreclosure.

So they try and raise money fast to save their home by leasing it out, in this case the down payment may have been used to try and save the home, but if the home owner knew their home was headed toward foreclosure and still tried to lease the house out to someone like Mrs. Brown than they have robbed Mrs. Brown and others of future memories and the security of raising her children in a good school system, now, instead of "HAPPY MEMORIES" in a new home and community Mrs. Brown and others across America face the pain of being homeless & broke.

So, what we have here is a "BIG PROBLEM WITH THE LAW" renters need to be warned of foreclosure proceedings ahead of time and to keep them from losing their security deposit and being evicted with nowhere to go.

Yours truly,
Anthony Smith
Father God, cover this family with Your Grace as You already have.Make these individuals,this families footstool as they deserve the wrath of truth that is not in them,may the vengence be Yours Father,in Jesus name i pray,amen!


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