Action Alert: Call Your State Legislator in Support of MAAPL’s Bills!

In Massachusetts, foreclosures are running at a rate of roughly 500 a month—the foreclosure crisis is far from over!

On Tuesday, September 26th, the Legislature’s Judiciary Committee heard testimony on five MAAPL anti-foreclosure and related bills to combat the rampant, illegal foreclosures devastating our communities. Phone calls made the difference to getting ground-breaking foreclosure legislation in the past: Let’s do it again!

Call your state Senator & Representative today: Ask them to back these bills!

For more information on the bills, check out the post announcing the 9/26/17 hearing.

Use the simple phone script below:

“Hi! My name is ________. I live in ______. Foreclosures are running at a rate of 500 per month in Massachusetts and devastating my community.

I want my Senator/Representative to tell the Judiciary Committee Chairs they support the following bills:

  • S903/H3059: Foreclosure Review Division of Superior Court (Sets up special court to review foreclosures)
  • S884/H1115: Municipal Powers (Clarifies that cities and towns can pass local foreclosure laws)
  • S841/H956: Preventing Unnecessary Vacancies (Gives homeowners the right to rent post-foreclosure)
  • H3500: Real Estate Title Protection (Re-establishes and cleans up local Registry of Deeds filings)
  • S763/H2349: Judicial Foreclosure (Requires solid, Judicial foreclosure process in MA)

Thank you!”

Don’t know who your state Representative and Senator are? Go to www.WhereDoIVote.com, put in your address and scroll down to view your state legislators (not Warren or Markey). Click on their names to see their contact info.

Thanks for taking action and making your calls today! Together we can stop the foreclosures and save our communities!

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Hearing for Five MAAPL Bills on Tuesday, September 26th

On Tuesday, September 26th, five of MAAPL’s bills will have a hearing before the Judiciary committee of the MA legislature. Please come to the State House and support these bills!

Date/Time: September 26th, 1:00 – 5:00 pm (may go later)
Location: MA State House, Room B2
24 Beacon Street, Boston, MA

We invite you to:

  • Attend the hearing
  • Present testimony in favor of one or more bills (please contact Grace Ross at maaplinfo@yahoo.com or call 508-630-1686 if you will be testifying or submitting written testimony)
  • Encourage your friends to attend the hearing as well
  • Call your state legislators to urge them to support these bills and to let members of the Judiciary committee know that they support these bills. Don’t know who your state senator and representative are? Visit www.wheredoivotema.com and enter your street address, then scroll down to find your state legislators’ names and phone numbers.

The following bills will be heard:

Foreclosure Review Division of Superior Court (S903/H3059)
Sponsors: Sen. McGee & Rep. Gonzalez
Fact Sheet on this Bill ( PDF )

This Bill establishes a statewide, specialized division of Superior Court to adjudicate all aspects of foreclosure-related cases, instead of the several courts that now have jurisdiction over one or another aspect of such cases. The Foreclosure Review Division will be empowered to clear title to foreclosed properties, both for those foreclosed and for third-party purchasers, and will provide online and other assistance to pro se litigants. It will free up regular court dockets and promote judicial economy.

Clarifying Municipal Authority (S884/H1115)
Sponsors: Sen. Lesser, Sen. Chandler, Sen. McGee and Rep. Tosado
Fact Sheet on this Bill ( PDF )
The bill clarifies that municipalities can continue to exercise their health and safety powers in service of their residents even in the context of this foreclosure crisis. Worcester successfully ran a groundbreaking cash bond program for over 5 years and Lynn showed that pre-foreclosure mediation can result in mutually agreed upon affordable loan modifications leading to avoidance of foreclosure in 97% of cases.

Preventing Unnecessary Vacancies (S841/H956)
Sponsors: Sen. Eldridge and Rep. Sanchez
Fact Sheet on this Bill ( PDF )
This Bill requires a commercial purchaser of a foreclosed home to rent it to the “foreclosed” homeowner until the property is sold to a new owner-occupant. The former owners become tenants paying the HUD fair market rent for their units. Post-foreclosure tenants can be evicted only for just cause.

Real Estate Title Protection Act (H3500)
Sponsors: Rep. Moran and Rep. Mark
Fact Sheet on this Bill ( PDF )
This Bill protects real estate titles; its provisions ensure, for instance, that the mortgagor (borrower) can always tell who owns the mortgage, and require the Mortgage Note to be returned to the mortgagor, marked “Paid in Full,” upon payoff. It requires Registries of Deeds to record each mortgage in the names of the real parties in interest, that is, the mortgagor and lender. It institutes deadlines for recording assignments of mortgage and foreclosure deeds. Protecting marketable title will bolster business creation by facilitating entrepreneurs’ mortgages on their own homes; these historically have provided up to 70% of the credit for new U.S. businesses.

Judicial Foreclosure (S763/H2349)
Sponsors: Sen. Brady and Rep. Smizik
Fact Sheet on this Bill ( PDF )
This Bill requires foreclosure of 1-4 family homes to be conducted through a court action. A party wishing to foreclose must provide the legal documentation to prove to a judge that it is the mortgage-holder before it forecloses. With our present non-judicial foreclosures, the burden is on a wronged homeowner to get a judge to order the foreclosing party to produce this evidence. Judicial Foreclosure will prevent foreclosures by those with no authority to foreclose, and prevent clouds on title presently created during non-judicial foreclosures.

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MAAPL Annual Meeting: Tuesday, September 19, 2017

MAAPL Supporters, this is THE meeting to come to! Join us for our 2017 Annual Meeting…

Date/Time: Tuesday, 9/19 from 1:00 to 3:00 pm
Location: Boston ABCD, 178 Tremont St., Boston, MA
Call in: 641-715-3340, Code: 100308

Beyond the short but necessary annual meeting business…

We now know how to stop close to 100% of auctions IF we can reach all homeowners before auction AND have enough hands on deck!

Back in 2008, when we first came together, our top legislative priority was a moratorium on foreclosures. We thought that—with a tsunami of foreclosures already beginning to hit, and that we knew would crash the world economy—the legislature would surely react.

But history tells a different story: in the next year, 2009, foreclosures reached more than 3 times the peak of the Great Depression. Even now they are running at about the peak rate of the Great Depression—although the public has so bought into the Banks’ PR messages that they think the foreclosure crisis is over.

It is not over BUT we now know how, working together, we can create a grassroots moratorium on foreclosures!

This is not about everyone going to court! This is a grassroots outreach, organizing and mutual support strategy that works!

Come to the Annual Meeting on Tuesday—Renew your commitment and join us in putting a stop to foreclosures!

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Action Alert: Legislative Call-In Day TOMORROW 3/27/17

If you can, please join us to lobby MONDAY, 3/26/17. Please contact Grace at 617-291-5591 if you can join us to lobby your state legislators. We should be at the State House at 11:00 am and will probably stay until close to 5:00 pm, so ANY time will be DEEPLY appreciated AND will make a real difference!

MAAPL Legislative Call-In Day
Monday, March 27th

PLEASE CALL AS EARLY AS YOU CAN!

Foreclosures are still at historically high levels (about twice the peak rate during the Great Depression!). On Monday, March 27th, we have another opportunity to get co-sponsors for MAAPL bills!

Your voice gets results! Call both your legislators at the State House: your Representative and Senator. Ask them to support MAAPL’s Resolution Trust Fund and Title Protection bills: HD1462 and HD3360.

Here’s what to do:

If you don’t know who your state Representative and Senator are, go to WhereDoIVotema.com and type in your address. It will tell you your elected officials and their phone numbers. Make a note of their names and phone numbers so you can make your calls.

What do I say when I call?

 “Hello, my name is ____. I live in (name of your town).

“I’m calling because foreclosures are still at historic levels, and we need real solutions. Today, please co-sponsor two bills that now have approved wording: HD 3360 to Protect Title to Real Estate, and also HD 1462 to Establish a Resolution Trust Fund for Receipt of Reasonable Mortgage Payments.

“Massachusetts needs to Protect Title to Real Estate. Foreclosures are revealing that the documents in our Registries of Deeds are no longer accurate, transparent nor timely, and it is harming all homeowners.

“Massachusetts needs to create a Resolution Trust Fund because some homeowners no longer have a legal entity to pay their mortgage to and face foreclosure instead.

“Please, sign on to co-sponsor HD1462 and HD 3360. I want to see these bills become law.

“As my Representative/Senator, will you do that?

“Thank you.”

When they have answered you and you have finished the call, please e-mail Grace Ross, MAAPL coordinator, and tell her who your Representative/Senator is and how they responded to your request: maaplinfo@yahoo.com

For more information about these bills, download the bill text:
Protecting Titles to Real Estate ( PDF )Resolution Trust Bill ( PDF )

Thank you for joining our lobby day and helping us get co-sponsors for these important bills! Together we make a difference for homeowners across Massachusetts!

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Wednesday, Feb. 22nd Anti-Foreclosure Clinic in Roxbury, MA

Roxbury Anti-Foreclosure Clinic
Wednesday, Feb. 22nd, 1:00-5:00 pm
Burns Building, 575 Warren St., Roxbury, MA

To RSVP or for more information, email us at maaplinfo@yahoo.com or call 508-630-1686.

Download and share the flyer for this clinic (PDF)


UPDATE: Feb. 23, 2017 is the expected NEW deadline to file at the Registry of Deeds.

Did you know…

  • Most foreclosures were Illegal.
  • You have 20 years to Reverse Your Foreclosure and Retake Your Home or receive Full Restitution?
  • You must Act Now—by February 23rd—to preserve your constitutional property rights!

You must file at the Registry of Deeds because the industry got a bad law passed.

If you were “foreclosed” before 2014, you only have UNTIL FEB 23rd, 2017 TO FILE to maintain your 20 year right to your home!
(If your foreclosure was after 2014, you will have three years to file.)

Make sure this new law and the banks NEVER take away your rights!

MAAPL offers you free materials, support, information and guidance on some simple steps to protect your rights.

Let’s put the banks on notice that their ability to destroy the lives of people in Massachusetts is over!

Share this info with anyone you know who has been foreclosed or is facing foreclosure!

Can’t make it? More Anti-Foreclosure Clinics are happening soon!

Keep checking back at maapl.info for the latest clinic dates.

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Monday, Feb. 20th Anti-Foreclosure Clinic in New Bedford, MA

New Bedford Anti-Foreclosure Clinic
Monday, Feb. 20th, 4:00-8:00 pm
Coalition for Social Justice, 105 Williams St.
New Bedford, MA

To RSVP or for more information, email us at maaplinfo@yahoo.com or call 508-630-1686.

Download and share the flyer for this clinic (PDF)


UPDATE: Feb. 23, 2017 is the expected NEW deadline to file at the Registry of Deeds.

Did you know…

  • Most foreclosures were Illegal.
  • You have 20 years to Reverse Your Foreclosure and Retake Your Home or receive Full Restitution?
  • You must Act Now—by February 23rd—to preserve your constitutional property rights!

You must file at the Registry of Deeds because the industry got a bad law passed.

If you were “foreclosed” before 2014, you only have UNTIL FEB 23rd, 2017 TO FILE to maintain your 20 year right to your home!
(If your foreclosure was after 2014, you will have three years to file.)

Make sure this new law and the banks NEVER take away your rights!

MAAPL offers you free materials, support, information and guidance on some simple steps to protect your rights.

Let’s put the banks on notice that their ability to destroy the lives of people in Massachusetts is over!

Share this info with anyone you know who has been foreclosed or is facing foreclosure!

Can’t make it? More Anti-Foreclosure Clinics are happening soon!

Keep checking back at maapl.info for the latest clinic dates.

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Sunday, Feb. 19th Anti-Foreclosure Clinic in Pittsfield, MA

Pittsfield, MA Anti-Foreclosure Clinic
Sunday, Feb. 19th, 4:00-6:00 pm
2nd Congregational Church, 50 Onota St., Pittsfield, MA

To RSVP or for more information, email us at maaplinfo@yahoo.com or call 508-630-1686.

Download and share the flyer for this clinic (PDF)


UPDATE: Feb. 23, 2017 is the expected NEW deadline to file at the Registry of Deeds.

Did you know…

  • Most foreclosures were Illegal.
  • You have 20 years to Reverse Your Foreclosure and Retake Your Home or receive Full Restitution?
  • You must Act Now—by February 23rd—to preserve your constitutional property rights!

You must file at the Registry of Deeds because the industry got a bad law passed.

If you were “foreclosed” before 2014, you only have UNTIL FEB 23rd, 2017 TO FILE to maintain your 20 year right to your home!
(If your foreclosure was after 2014, you will have three years to file.)

Make sure this new law and the banks NEVER take away your rights!

MAAPL offers you free materials, support, information and guidance on some simple steps to protect your rights.

Let’s put the banks on notice that their ability to destroy the lives of people in Massachusetts is over!

Share this info with anyone you know who has been foreclosed or is facing foreclosure!

Can’t make it? More Anti-Foreclosure Clinics are happening soon!

Keep checking back at maapl.info for the latest clinic dates.

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Rescheduled Greenfield Anti-Foreclosure Clinic

The Greenfield Anti-Foreclosure Clinic has been rescheduled and relocated:
Franklin County Anti-Foreclosure Clinic
Tuesday, Feb. 21st, 6:30-9:00 pm
Brick House Community Resource Center, 24 Third St., Turners Falls, MA.

To RSVP or for more information, email us at maaplinfo@yahoo.com or call 508-630-1686.

Download and share the flyer for this clinic (PDF)


UPDATE: Feb. 23, 2017 is the expected NEW deadline to file at the Registry of Deeds.

Did you know…

  • Most foreclosures were Illegal.
  • You have 20 years to Reverse Your Foreclosure and Retake Your Home or receive Full Restitution?
  • You must Act Now—by February 23rd—to preserve your constitutional property rights!

You must file at the Registry of Deeds because the industry got a bad law passed.

If you were “foreclosed” before 2014, you only have UNTIL FEB 23rd, 2017 TO FILE to maintain your 20 year right to your home!
(If your foreclosure was after 2014, you will have three years to file.)

Make sure this new law and the banks NEVER take away your rights!

MAAPL offers you free materials, support, information and guidance on some simple steps to protect your rights.

Let’s put the banks on notice that their ability to destroy the lives of people in Massachusetts is over!

Share this info with anyone you know who has been foreclosed or is facing foreclosure!

Can’t make it? More Anti-Foreclosure Clinics are happening soon!

Keep checking back at maapl.info for the latest clinic dates.

Posted in For Your Information, Take Action! | 2 Comments

MAAPL Announces New Round of Legal Clinics

In the days leading up to the February 23, 2017 filing deadline to retain your 20 year right to challenge your foreclosure in court, MAAPL is scheduling a series of Anti-Foreclosure Legal Clinics in key towns and cities across Massachusetts to help homeowners file their papers at their local Registry of Deeds.

The following clinics have been scheduled:

Clinics previously scheduled for Monday, Feb. 13th in Greenfield and Peabody have been postponed due to poor weather and travel conditions, and will be rescheduled soon. More clinics will be scheduled to reach as many foreclosed homeowners as possible, and the list above will be updated as new clinics are confirmed.

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Saturday, Feb. 18th Anti-Foreclosure Clinic in Somerville, MA

Somerville Anti-Foreclosure Clinic
Saturday, Feb. 18th, 12:00-2:00 pm
Somerville Public Library, 79 Highland Ave., Somerville, MA

To RSVP or for more information, email us at maaplinfo@yahoo.com or call 508-630-1686.

Download and share the flyer for this clinic (PDF)


UPDATE: Feb. 23, 2017 is the expected NEW deadline to file at the Registry of Deeds.

Did you know…

  • Most foreclosures were Illegal.
  • You have 20 years to Reverse Your Foreclosure and Retake Your Home or receive Full Restitution?
  • You must Act Now—by February 23rd—to preserve your constitutional property rights!

You must file at the Registry of Deeds because the industry got a bad law passed.

If you were “foreclosed” before 2014, you only have UNTIL FEB 23rd, 2017 TO FILE to maintain your 20 year right to your home!
(If your foreclosure was after 2014, you will have three years to file.)

Make sure this new law and the banks NEVER take away your rights!

MAAPL offers you free materials, support, information and guidance on some simple steps to protect your rights.

Let’s put the banks on notice that their ability to destroy the lives of people in Massachusetts is over!

Share this info with anyone you know who has been foreclosed or is facing foreclosure!

Can’t make it? More Anti-Foreclosure Clinics are happening soon!

Keep checking back at maapl.info for the latest clinic dates.

Posted in For Your Information, Take Action! | Tagged , , , | Comments Off on Saturday, Feb. 18th Anti-Foreclosure Clinic in Somerville, MA