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so how i ask. for the research then for the area. where every man woman. foul was foreclosed on september first and three weeks ago they put a note on my wild party saying that it was abandon and vacant and that they were going to turn of the water shed of the t.t. and change in two days obviously they can because they will never meet with him to let me know on the door for bedroom on the first floor the main floor and there is a four hour that. there is no go whole apartment in this states. and the new. tiling myself also and the full

part and upstairs dislike for bedroom on this floor this is. there was another. destroyed there was one here in the fact that they took down i bought it in one thousand nine hundred seventy or eighty thousand dollars and now. the land under the house is worth half a million because this rezoning. and it is very typical. when we have been for clothes we feel guilt we feel shame we feel inadequate an inferior inking gee how come i couldn't take care of my finances need hokum i didn't. why did her

procrastinate. brokers made more money steering borrowers and to loans that cost more riskier loans made for a better return and so there was no reason for them to give someone a decent home when they could make so much more money giving them a bad one. a lot of us do not understand their needs trade language whoever has not read the fine prints especially you know people while we carried away is able like our elders like i am although. in our academic education. it becomes difficult at times to read all the specifics about very complicated. or plentiful rescission of the two thousand and six. return of

cairo. to me it is sad. so the property is initially mine is cracking my hands. see the trash signed it. two thousand.

down now is not the american dream now no. not for me if i have the money i go back makes me go oh no just in a movie by will smith caught a super happiness we use myself to what is no border so my son might not day and i'm not i don't think it'll be a cell phone like that before dad kind of crash we have a good jap and we pay out of me like everybody has like you know do you guys have an x. ray take out but when the climate crashed i lost my i have and i have dad and i may have enough money to pay my bills so i came here i think a. couple bought a week or so before christmas and that was very interesting too because it is

christmas and we're going to present for my son i did think i was a good critic good of my follow we now call him a streak we walked out store right around a corner. you got people feet on the ground that's homeless to me that's sad outside so i might sound we both yes we we both know we hopeless but not really we got it we got a silver haired old well you know what if we have the we love the family home i wish they were brother from the wow did not you know company here so. i'm here in ny two kids are. kind of tired of this situation they had really wants to have their own place. and. i did my best to get in a. letter when i go back turner is shown to us saying dad is get on the ground and

. everybody goes there's not i want to get a house for them around is now that is syrian army yeah you know. it's you know. i'm like something's gotta love it i don't want any more know what i was going. on move for my kids. i still believe in the american dream because without a vision the people will perish. so i still believe in him the dream i'm living the dream i'm back in my home and i'm fighting for others to stay in their homes as san francisco they have a waiting list of twenty seven thousand people i'll say that again they have a waiting list of twenty seven thousand people you know i have

a nothing but respect for president obama but you know. and it really needs to provide some real hope and some real alternatives to people that have done nothing wrong i don't do drugs he doesn't do drugs you know we're clean we're respectful were intelligent human beings so why did you clean the stats all intelligent human beings have to live in one room for the rest of their life for the majority of their life rather than our you know i'm not certain i just said this thing else in though i don't know if you ever heard of the plantation then a mix when people have been reduced to slavery and then exploited and all their life some of them sway away from war and i mean that's what we suffer from in all poor neighborhoods of color in the in the in the nation is the deep

psychological trauma that the plantation mentality as in is that actually part of what they call the matrix of willie brown who is a former mayor who was. a grad mayor got to totally sold out to the system as soon as you were elected in no book no hard play trust fact he read because when he was elected my son was a black man did a block party here to celebrate the first black mayor of the united states and as soon as he was sworn into office he made the statement i do think that change fee cation is a bad idea for san francisco and he sold us out to the developers all right and. they were a man is doing things that are not to have me the class people so like everybody says and the people who work in our government or is going to stand . in two thousand and eight thousand

cards collapsed. we were in the mortgages had been sold to people who couldn't afford or understand the. banks had made huge bets and bonuses with other people's money. regulators had looked the other way or didn't have the authority to stop the bad behavior. it was wrong. it was irresponsible. and it plunged our economy into a crisis the put millions out of work saddled us with more debt and left innocent hardworking americans holding the bag for years jennifer fried inbox has been assisting in organizing the new poor created by the ambition of a financial system without rules she's the director of the coalition on homelessness a center for the protection of social rights so typical day we might be you know having meetings with homeless people do it outreach in talking to folks working on media communicating with people via e-mail maybe trying to go down to city

hall and try to you know like right now are working on legislation that they're really teaching come on being this is the richest country in the world of me or. i just feel like. we're against poor we should have a perfect for like you know we are the poorest in the we're just really i mean. they are of course by leaving. us to serve house and that she. will sleep on the street all right we'll tell you six thousand. people get the night. waiting list the public housing twenty two thousand people mom. housing right now that none of these people in because i don't know what iraq is because more important. things that you should see though there's no exact numbers

on how many people exactly are homeless in san francisco but the latest homeless count show there was around six thousand at a point in time count but it undercounted families there's probably another two thousand families on top of that another couple thousand news so we know that there's about twelve thousand every year that are trying to seek shelter in san francisco so we don't have exact now. first but you know somewhere between six and fifteen thousand people without a regular place to call. the

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however at the break of the recession we had this huge surge where we had a tripling in the number of families who were on the wait list for shelter and that reached the highest point ever about a month ago we had a increase in the number of people who were single adults who were homeless about a fifty percent increase there we have about sixty percent of all the people right now seeking shelter are homeless for the very first time in the united states especially of plays a very central role because it's this very much this culture where if you just work hard you can get ahead and that there's this idea then that if they if people

aren't able to get ahead that it's their own fault. but they have missed a lot of processes like there's been cases where people we've talked to where people are even given a foreclosure notice and they get evicted or the house is sold in auction they don't know anything about it and so you know that's illegal however there are none

of these laws unfortunately. are there all civil violations so there's no regulation around them from the banks to whatever the hell they want about a month behind at that point with aurora loan services and i really approached them with the little effort to find out what were my options so what they told me i should do is to they offered me a loan modification of september it was a friday it was about two thirty after you know never forget it actually was two thirty four to be exact i remember exactly that. i would call telling the lawyer. and i said where is the paperwork that you're supposed to be sending me that says that. the cell date was stopped.

and she told me. that the sell date was solid well september thirteenth q. and tell one day i was getting ready to leave the city for a few hours and my phone rang and they told me justifying tolbert as the i am you say we are the new owners to use what they say we are the new owners i thought it was a bad dream or something i would try and hit myself to wake up here they sold the house to. the new owner and the new owner. what i had left to go as i said i'm a day care provider i went to drop all of my granddaughter to school when i came back of a saw a lot of people standing in front of my gate where they had changed a lot so my gate i could not get into my house. with the increase of

insolvency procedures coming on to the desks of bankers credit institutions decided to take a much shorter and easier way to deal with the amount of paper robo signing with this method they were able to fake signatures needed in documents to proceed with foreclosure practice they can do all this without even looking at the papers every bank when they're going through foreclosure have to go through a process right in their laws that actually. they don't monitor but there are laws that they're supposed to abide by however most banks are don't follow by that because there are so many foreclosures that they're chewing up the same time one of the big ones is something called robo signing.

what they found. they were. really thousands of foreclosures that were simply just being rubber stamped with no evaluation of the documentation or. the note maybe the foreclosing party didn't even have a right to foreclose so when that broke in the fall of two thousand and ten when that story came out everyone says whoa we've got to stop the foreclosures because we don't know if these are right or want to foreclosures because no one's reading the paperwork. so we're here to defend the right to housing which is why we've had

a campaign against wells fargo in the big banks have been foreclosing on people. was. going to. work here today is january twentieth and we're out here in san francisco with lots of people protesting for lots of different reasons it's part of the occupy movement but also a lot of people are out here that have been organized and struggle here in the city for fair rights for housing rates for tenant rights for all sorts of things before

the occupy movement really called us like last year. the crime of false witnesses in economic fraud linked with the scandal of robo signing was acknowledged by a government agreement it was altered in a fine of twenty billion dollars to be paid by the banks a subsidy of only one thousand eight hundred dollars was due to those who had seen their houses illegally foreclosed. and now we've got and there was an investigation and

a recently announced the national mortgage settlement which addressed it was a as a result of the ruble signing scandal. and. it's it's tough to think about. all of the homes that have been us. and to know that some many of them may not have only been lost due to loan should never been made but there are also do different closures that never should have happened. after the wave of junk loans new forms of debt have arisen. you can find payday loans are everywhere in the poor areas of the city these are small loans to be repaid within two weeks and are backed up by a salary or welfare check. the annual interest rate is more than three hundred percent they're more than twelve million americans trapped in this form of loan

advertised as a simple and quick solution. but i think that payday loans are particularly. attractive for people who are living paycheck to paycheck because they're everywhere they're easy to get you don't have to go through a credit check and it seems very simple but the problem is that the entire mountain is borrowed is june in two weeks and so our problem with payday loans is that interest rates are extremely high three hundred sixty percent four hundred percent four hundred sixty percent really high numbers. low pay and so many lenders get financing from banks and what we've seen happening

lately in the last few years is banks actually offering payday loans themselves so wells fargo which is headquartered in samara cisco u.s. bank third bank these are all banks that offer should pool digit interest loans to their customers and essentially it works the same way as a payday loan you go where no credit check they put the money directly into your account and then as soon as you get a direct deposit they take everything out. and if it looks like a you know we say in this country that looks like a duck and it quacks like a duck it's a duck and so you know these banks are offering ascension in what amounts to a payday.

wealthy british style. is not on the tireless. market why not come to. find out what's really happening to the global economy with mike's cause or for a no holds barred look at the global financial headlines tune in to kaiser report on our. worst journalistic. white house of the day the radio guy

minutes from a quick profit. watch to do because you've never seen anything like this on film. let me let me i want to know we're going to let me ask you a question. here on this network as we're having the debate we have our knives out if. we're going to get this right what's the best thing never get here in a situation where being i don't like to talk about your name and me.

it. change. the.

turkish standoff prime minister of the one urges an end to ongoing protests within twenty four hours with the ruling party signaling it's open for a referendum on. that size riot police broke up a rally in ankara with tear gas. unplugged but defeated strikes and rallies are held in greece against the shutdown of the state broadcaster to cut costs with the journalists continuing their programming online. and rebels the u.s. eases restrictions on exports from opposition controlled areas in syria looking to help oil sales on funks flows straight to the rebels. and as iranians are preparing to head to the polls.