already i was was you are we were all right. we. are we good was through was it was.

in the services go. through. this. was. was. was. was. there are your question try sion for coercion than this or than for the area but guess right we are going to come and. powell was focused on september first and two weeks ago they put a note on my property saying that it was abandon and vacant and that they were

going to turn of the water shed of the t.t. and chose two days odysseys no they can because they would never need to put a note to let me know on the door for bit you on the first floor the main floor and business school and that. there is not go report him and his selfs substates. then you have a view. see i did only tiling myself so and says full attic apartment upstairs this is like four bedroom on this floor this is. there was another gradually at that destroyed there was one here in the fact that they took down i bought it in one nine hundred ninety seven for eighty thousand dollars and now. their land under the house is worth half a million because it's rezoning. and

it is very typical. when we have been for clothes we feel guilt we feel shame we feel inadequate and inferior thinking gee how come i couldn't take care of my finances knew better how come i didn't learn why did up. brokers made more money steering borrowers and to loans that cost more to risk era loans made for a better return and so there was no reason for them to give someone a decent loan when they could make so much more money giving them a bad one they're not averse to not understand the new strange language. defined prints especially you know people who are weak tied to what is able like.

this like i am although. in our academic education. it becomes difficult at times to read all the specifics about very complicated. were plentiful rescission of the six that gone every turn of tire on. me. to mission will hate it is saturday. so the poppy is a shiny mine is back in my hands thank you see the trash signed it on traction two thousand.

now is not the american dream now no. not for me if i have the money i go back mexico i don't know if that's going to move by

will smith caught a pursuit of happiness we use myself to what is no border so my son might not and i'm not i don't think it'll be a celt of like that before de connick crash we have a good jap and we pay out of me like everybody else like you know do you guys have an x. ray cat but when the climate crashed i lost my i have and i had 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 got a present for my son i didn't think i would a good christmas good luck right follow we now call on a streak we walk us through or right around a corner you've got you've got people feet on the ground that's homeless to me that's as cold outside so i might we both yes we we

both know we hopeless but not really we got it we got to still be here don't wait what if we have the we lost the family home i want to stay well brother from the wow did not you know company here so. i'm here night two kids are. kind of tired of this situation they had really wants to have their own place. and. i do my best to get in a. letter when i go back turner is sure to tell you this saying dad is getting a brownie and. everybody goes is not i want to get a house for them around is now that is syrian army yeah you know. it's and. i'm like someone's gonna love it i don't want to 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 in the dream i'm living the dream i'm back in my home and i'm fighting for others to stay in their homes a sense and cisco 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. 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 we're intelligent human beings so why do clean respectful intelligent human beings

have to live in one room for the rest of their life for the majority of their life rather than our own you know i'm upset and i just say that they are you know i don't know if you haven't 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 answer. is that actually provide of what they call the matrix of willie brown who is a former mayor who was. a grad mayor back to totally sold out to the system as soon as you were elected in no book no hard play trust fact he really 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 gentrification is a bad idea for san francisco and he sold us out to the developers right thing and. they go around man is doing things that are not to have me the class people. like everybody says and the people who work in our government and big business dave . in two thousand and eight. we learned that 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 doing outreach and 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 them on being this is the richest country in the world of me or just feel like. we're against poor we should have a perfect. you know we are the poorest and they don't have we're just really i mean

. they are of course by leaving all of human access to. their cars and that she. sleep on the street all right we have thirty six thousand you do you need to be good to be nice. public housing twenty two thousand people mom. housing right now that you know these people in because you just never know what iraq is because more important. i think that's ridiculous 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. but you know somewhere between six and

fifteen thousand people without a regular place to call home. they all told me my language or what i will only react to situations i have read the

reports so i'm likely to push the know i will leave them to the state department to comment on your latter point of the month to say to mr kerry you have a car is on the docket no god there they go no more weasel words when you have a direct question be prepared for a change when you have to punch be ready for a battle pretty speech and a little down the freedom to question. more news today violence is once again flared up. saying these are the images the world has been seeing from the streets of canada. china operations are old today.

technology innovation. is developments around russia. your theory. of speech. outlining. outlook. is.

legal. there at least i am. pleased. however at the break of the recession we had this huge surge where we had a tripling in the number of families who are 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 that if they if people aren't able to get ahead that it's their.

but they have missed a lot of processes think 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 an auction they don't know anything about it and so you know that's illegal however there are many of these laws unfortunately. are there are several violations so there's no regulation around them and the banks do 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 read zachary that. i'm caught in 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 till 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 a we are the new owners i say you what they say we are the new owners i thought it was a bad dream or something i would try to get myself to wake up here they sold the house to. the new owner and the new owner. when 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 i saw a lot of people standing in front of my gate where they had changed the locks on my gate i could not get into my house. with the increase of insolvency procedures coming on to the dusk the banker's 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 there are two working at the same time one of the big ones is something called robo signing.

what they found. you are potentially 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 to know 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 in struggle here in the city for their rights for housing rights for tenant rights for all sorts of things before the occupy movement really coalesced 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 be back 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 of the us. and to know that some many of them may not only have been lost due to loans should never been made but they're also due to for 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 there more than twelve million americans trapped in this form alone 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 and sell so wells fargo which is headquartered there and cisco u.s. bank third bank these are all banks to 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 essential in what amounts to a payday.

i've seen the perception of the cross many times it doesn't matter if there's snow a heat wave or hail stones people keep on going but i don't expect anything just one i told myself i keep on going as long as my heart told me to that's all i want to at the moment. i have sense so much you see i'm carrying these sayings on my shoulder. do you want me to put a bandage shared no that's fine

a lot of people were so exhausted they could barely walk their feet hurt and some of them fainted who were evacuated three to wanted to keep going i don't know what tomorrow will bring. we speak your language anything about the will or not of the. news programs and documentaries and spanish more matters to you breaking news a little turn to tip angles keep the stories. you hear to. try to alter the spanish find out more visit i to our. wealthy british style it's time. for. the. markets. scandal find out what's really happening to the global economy for our no

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adverts now in this legal limbo could be drawing to an end with the annus a leaker about to get the papers he needs to leave a moscow airport transit zone of fish a week and to russia. anyone who's willing to hold what's in advance to take on the storm and we're willing to accept it whether he looks like the model what it looks like it look. we challenge a free syrian army representative or his group's accomplices as al qaida linked militants hold around two hundred kurdish civilians hostage in syria. and the u.s. will finally hold longer for hearings for dozens of guantanamo bay inmates while eighty six others cleared for release are still on able to leave the prison.