Press Release: Eviction Not Final Outcome of 16 Year Predatory Discriminatory Loan

Judge's gavel and two books on a wood surfaceOn Thursday, October 20, 2022, the Mass Alliance Against Predatory Lending (MAAPL) released a statement to the media regarding the wrongful eviction case of Alton King, a Black senior with a disability.

King has an open case in the Massachusetts Appeals Court. MAAPL has also been working with other organizations to convince the Supreme Judicial Court of Massachusetts to reverse its decision in King’s original case. More details about the SJC’s original decision, and MAAPL’s response to the decision, are available here on the MAAPL website.

For recent Western MA media coverage of this case, see this news item.

Download the complete Press Release ( PDF )

Mass Alliance Against Predatory Lending (MAAPL) and

For Immediate Release: October 20, 2022
Contact: Grace Ross  617-291-5591


Longmeadow, MA, October 12, 2022, the eviction started at 9am but the Execution to Evict Alton King expired at 11:59pm.

Yet, on Thursday, October 13th, the Hampden County Sheriff deputies were found still  on King’s property, with moving trucks; and continuing a move-out while they no longer had an  authorizing Order to Evict. King, meanwhile, received a Bankruptcy Stay on Thursday, October  13, 2022 around 8:35 a.m.

Being evicted, even though the eviction case came about exemplifying the absolutely  most predatory type of loan, not legal under any mortgage law; King’s loan epitomizes practices  repeatedly prohibited by State and Federal law and Federal and State case-law since they began  160 years ago.

Unbeknownst to King, the underwriting of his property by the lender only offered him a bifurcated loan almost $400,000 more than the property was worth, trapping him in an  unaffordable loan that ballooned in a couple of years, to over three times the monthly payment  he was originally told.

But what he only found out after they claimed to have foreclosed on the prohibited  loan, was that it was a double-book entry loan, where he was being sent bills for a lower  interest rate than the bank was actually using, to build up how much he would owe over time;  so that after 30 years of paying, he would actually owe more (that he had not been assessed  monthly in his billing) principal than he had when he first got the loan.

Alton King, as an African American senior with a disability, was illegally induced into an  unsustainable and prohibited loan.

King’s monthly payment mushroomed from $3200/month to $13,400/month. The  mortgage was based on a 150% over inflated appraisal; when the $410,000 addition was placed  on the home the appraised value dropped $250,000. The bank refused to give a conventional  loan as promised.

Former Attorney General Harshbarger fixed this predatory lending problem 30 years  ago with regulations and a criminal law; when that failed the Predatory Home Loan Practices Act (PHLPA) was enacted in 2004, but the courts have refused to enforce all of these.

Fast-forward through: unsuccessful attempts to get a loan modification, three years of  court cases post a purported non-judicial foreclosure (because no court oversees the  foreclosure by sale process in Massachusetts). Finally, the judges he was in front of waited-out  King’s various legal rights to a Stay, by denying him the documents necessary to exercise his  rights to appeal a renewed order to evict.

As King himself reports:

“The judiciary, from the Massachusetts Supreme Judicial Court down to through all  the courts have thus far largely ignored enforcement of those protections. Falsified  documents are routinely accepted by the courts from bank attorneys, who seemed to  have No Fear of repercussions, to validate the wrongful foreclosures.

Justice requires accountability for those who violate their positions of trust. The recent MA SJC decision in the HSBC Bank, as Trustee v. Morris case (July 2022) has  made it clear that predatory loans are not going to be tolerated. Not only is there  extensive evidence now of the bifurcated history of mortgage lending in this country and  the clear history of discrimination, but I documented the equal rights violations in the  Housing Court proceeding, itself, at minimum, as to age and disability.

As a senior Black man with a disability, I know from personal experience of 16 years of  mortgaging and then foreclosure and not that Courts what our laws hold, that the  experience of unequal treatment that is not timely rectified is also recognized as an  irredeemable loss. Such treatment left unremedied not only leaves an indelible mark but  lack of protection signals that the victim, such as me, is not even held as worthy of the  protections guaranteed in our state and federal constitutions: “even a successful suit will  not vindicate entirely King’s right to be free from discriminatory treatment.

Our Constitutions’ guarantee of equal protection cannot conscience denial of a stay  of eviction and provision of all his full rights.

Millions of Americans, a disproportionate number of them being Black, minorities,  elderly, Indigent, and disabled, are being targeted. The predatory institutions act with  impunity, especially knowing that there is tremendous profit and almost no risk in taking  advantage of Black people, minorities, elderly, indigent, and disabled.”

As of today, King has exercised his rights to a Stay under bankruptcy. The Hampden  County Sheriff’s office sits in a legally untenable position of withholding King’s own personal  possessions from him by locking him out of the house and yet not allowing him access to  possessions in the house, including legal documents that he has a right to.

King has an open case in the Massachusetts Appeals Court; he has a right to reverse the  eviction judgment under the Morris decision that has been not even properly reviewed, and  therefore he has a right to have heard. And he is exercising all of his options to enforce his  rights at this time.

As King says: “I call on the world, right now, to stand on the right side of justice and  recognize that it is only a matter of time now, that the wealthiest institutions are going to have  to face justice regarding decades of knowing discriminatory lending (race, age, disability, and  for other homeowners, such for instance as Rorie Susan Woods, herself, victim of sexist  lending), all of which has been outlawed for some 50 years.”



The Mass. Alliance Against Predatory Lending (MAAPL) is a coalition of over 60 housing counseling agencies, legal services groups, social service agencies, and community-based social action groups that have joined together to address the foreclosure crisis in Massachusetts. MAAPL collects and distributes timely information on the foreclosure crisis and its effects to the public and to its member groups, drafts and supports legislation that provides important protections to homeowners and tenants facing foreclosure and eviction, documents the impact of the foreclosure crisis on local communities, networks with related organizations throughout the Commonwealth, and provides tools and information to help people navigate the legal system and advocate on their own behalf more effectively when challenging a foreclosure or eviction in court
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