Mr. Jeff Bartel, Chase Special Credits Officer called me and talked to me that morning, 11/12, and I remembered very well what he told me in our conversation. I was confused because I didn’t know why Chase was calling me for XXXX properties. (I didn’t know that UCB has closed) and I didn’t know that Chase has taken over the loan. Jeff Bartel just didn’t explained to me why Chase was calling me except for the payments, I asked him how come Chase is calling and not UCB. I shall quoted what he said”…. It is because of you, the bank crashed…” in his exact response. I can tell he is a debt collector, a professional one. I was explaining to him I have financial difficulty and I wanted a lower rate on interest payment and I have in loan modification, but I didn’t think he is interested in hearing my story. He is a real credit collector, an officer and a specialist by his title. He left me his phone numbers and told me that he was my contact. He had not called my again until last month with all those harassement and threat by the receiever, Mary Hoopes, and court paper served to my home. I searched and found his name and phone number, so I called him and wanted to find out where I was at in the foreclosure proceeding. Then it was only the second time I got his voice mail about my property in Oakland will be foreclose in mid of May this year. I am still in pre-foreclose period. I have gotten a debt collector calls, they said they have to call at least once a day from various time during the day, from Chase.in these recent months, I received tons of letters from realtor for short sale. Lawyers for loan modification process. Everyone claimed that they will give me good result with 100% guarantee. The law group charge me $15000 for the property in Oakland. They have been pushing me on signing the contract and paying the installment retianer. I was hesitating to pick them because they are not in the Bay Area. They haven’t been asking for any documents from me except they tried to talked into signing the contract and they now want a revision of the contract after $15000 still they couldn’t give me 100% guarantee now. The risk is on your own after the fee has been paid and the work may not get the result I wanted. (I learned from a lawyer that the average price range to do loan modification is $3000 per house.)
I want to complaint about professional misconduct of Bruce Cornelius Bar # XXXXX for intentionally obstructing justice me and having my legal representative appear in court. He is a lawyer by profession and I am not. I did not get a chance to defend myself or hire someone to defend me on my behave. Even a murderer can a legal counsel by public defender. Why I couldn’t have a chance to do so. Here is why I said that
On 2/16 at 9:00 am, I got a 5 min call from Bruce Cornellius, just like all the debtors phone call I have, they told me that they are lawyer and they are going to sue me in the Alameda court house and he said “ …you (meaning me) don’t have to be there…. ”
I said to myself, if like you said I don’t have to be there, then why do you call. It must not be important. I have never receive any written message from any law firm nor ever heard of his name before. His statement” you don’t have to be there. “ is intentionally misleading to me. He never explain what is the court appearance for. If someone call up and said, send me a $1000 cash by putting in an envelop and mail it to the P.O. Box #. Would you follow the instruction and do that. Isn’t that now lawfirm are not providing any local mailing service to the staff lawyers. I don’t know what this court appearance all about. The court day was Feb 18. Two days from this call. I can certainly get some kind of mail overnight. I haven’t heard of his name prior to this phone call. Nor I was service. I do get threatening calls from collectors, like the debtor collector officer, if you don’t pay. You will be sue by a lawyer. But what is true and what is not true, a lot of these phone calls everyday. I told my lawyers. I wish I am dead. They are driving me crazy. There is only so much I can take from Chase. I tell you, from the same court house dealing with the tenants in that property. I filed a small claim in August and the court day was arranged to December. I have to service and service to make sure that the tenants get the notice every step has to be done correct or the court house will throw out the case. I was service at home this time on the following Monday Feb 22. A woman called Mary Hoopes called me and demanded I turned over the rent role and everythings to her. She told me that she was appointed by the court to take over and her charge was 170 dollars an hours. I told her right away. You are not hired by me. She said that there is an injunction on me to go to the property. I will be thrown out by the police. Later, that day, a server served me. She has done a lot to my property in the following days. She kept harassing and threaten me, like towing of my vehicles with a lot of my personal property in them on site. Fussing and massing around on my properties. I got more calls from the tenants. She talked and passed out letters to the tenants and have the tenants send her the rents. She was the one collecting the rents. I took the court paper to the lawyer, I have hired and he told me that Chase is suing me for a million dollars and there was another court day we missed March 4 because the lawyer originally working on my loan modification back out because he is not a real estate lawyer and he doesn’t go to court and in between of looking for another lawyer. I am trying my best to reverse my very unfortunate situation. I worked but just have not been pay for last three months since last year December. I have tenants who has not been paying me. On 9750 #111. She has not pay the since last year June and still living there now. If I have money to spare, I would hire a lawyer to get rent from them. There are tenants who lost their jobs or learn that the house will be foreclose, therefore they are taking the advantage of not paying. It is a domino effect of today’s economy. The servers, the real estate receiver, the debt collection the loan modification lawyers the one who benefit from these hard time.
Jeff Bartel said that because of me United Commercial Bank crash. He has over estimated me. UCB got the money in their hands to lend and they are the one who decide to lend or not to lend and my couple of thousands of dollars per month cannot not make the Bank who was being traded in the security exchange crash. No one foresee the future and when you will be broke and unemployed.
Chase was one bank that has absorbed all those other closing banks mortgage out there, like Washington Mutual and United Commercial Bank and others. Jeff Bartel is a very cynical and hostile person with prejudice and hatred to us, those who was not able to pay with the down and dirty tactics and strategies. If he cut off my only money source and spend unnecessary money for me, I would have no one to help me. No one will do their jobs for free like me. I work for my employer for free, he is also in financial trouble. I work as a program director in school. A school must have a program director. If no program director, there will be no school. It is very difficult to hire one. The school will be closed and students will be entitled for their refunds and the school would have to come up with the money to refund the students. If they don’t have money to pay the teachers, how do they get refund to the students. What they are trying to do now is to admit more students as the teachers are living for not getting their pay. I am there to help my employer and who is here to help me as I see the instructors were getting their own home foreclose. My boss’s son and daughter are working in the school front desk, it is not a good sign because the school is also their job shelter. I have also enclosed one of my co-worker’s e-mail about the situation out there.
For those instructors who are still there, we have told each others that we are doing it for the students for our ideal in teaching. We are not going to abandon our students. Some instructors are waiting for layoff to get unemployment. What I am doing to the school is just the opposite of what Chase is doing to me. I get no help, no money from Obama to do my job. Chase isn’t getting Obama’ support, sponsor and promise to put us, the foreclose properties owner to a death end. Remember, I am also a tax payer. Chase bank get my tax dollars to stay alive and absorbed other banks. This is a vicious cycle that give Jeff Bartel, Mary Hoopes, Bruce Cornelius jobs.
I have cut down as much spending as I can, as I try very hard, only if there is any chance to get back on my feet. I have made these money before, can I do it again, as long as I am still breathing. I have asked myself. Do I still have any hope not being destroyed by Chase’s stratgic debt collectors. I am deeply disturbed by all this happening accumulatively over a period of time, I am feeling very hopeless and helpless. Human being are very fragile there are only so much of these bombardments I can take. I want Chase to know that. We didn’t take those money like the bank CEO as bonus and spend them in luxury. We are small people who hit hard by this economy with job loss. A lot of the money was spent in the ever increasing real property taxes to save of city budget, State and Federal taxes. Even if you don’t eat, you still have to pay your taxes. Now, I have to hire a lawyer by paying him 5000 dollars retainer fee and 285 dollars an hours for that 1 million dollars law suite with Chase. Constant threat from Mary Hoopes. House get pad lock with other people's belonging inside and vehicles towed. Mary Hoopes got the rents and making unnecessary improvement which I have no idea about with including a blank new water meter that need no replacement.
With Chase doing these to me, it can only drive me deeper and deeper in debt and never be able to climb out to this Abyss.
I was told that President Obama has given the Chase and other banks our taxes dollars to help the bank for our foreclosure problem but where has the money gone. It has been used to hire more executioners and to kill the foreclose property owners.
I am not alone in this, If I live to make money Chase will get paid, if I die they will get nothing from me.
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