Friends, Why the Grace Team? We Live in Dangerous Times

We live in dangerous times.

- Dangerous because too many of us don’t know where the next job’s coming from or whether the job we have is going to last.

- Dangerous because too many of us have lost our homes or might lose our homes, are on the edge of losing homes or maybe even are living in homes that we don’t even know could be threatened and yet foreclosures are rampant beyond almost any other time in our history.

- Dangerous because too many of us don’t know how we’re going to make ends meet and a rising number of us don’t know how we’re going to feed our kids. With job prospects so bad and making ends meet so questionable, crime is on the rise and our patience and generosity with each other is more deeply challenged than in my lifetime.

We live in dangerous times, we shouldn’t have to worry about being a danger to each other out of anger or fear or blame. This should be a time when we come together we remember that deep in the roots of our state rests the stories of mutual aid and joint action.

Mutual aid that led to the creation of town meetings. And mutual assistance as farmers and small town’s people built up an existence. Mutual aid in working together that led to a representative government which included the power of the purse strings, the power over how our taxes are spent. And the mutual action that came together before a shot was ever fired, when our forefathers and mothers evicted the British and their loyalists, the Tories from over 90 percent of the Massachusetts colony before the tea ever got dumped in the harbor. The kind of joint effort that led to slavery being outlawed first in Massachusetts of all the states and made us the home of the first women’s convention and the images that fill our imagination of the Bread and Roses Strike and the coming together of regular working people to make sure that our lives were decent and the remuneration for our work enough to live on.

The firsts here based on our work together as regular people are numerous. The time has come again for us to rediscover that investment in each other across whatever differences we’ve come to see in each other and remember the deeper experience and shared humanity that will have to feed the dreams and the realities of a better future for all of us.

Please consider joining us in action on an issue that concerns you most...
- yours, The Grace Team

Mission Statement of the Worcester Unemployment Action Group

Mission Statement of the Worcester Unemployment Action Group (WUAG)

Our Opinion: What A Realistic Jobs Creation Report Would Say

The Massachusetts Jobs Creation Commission is writing a report about how jobs can be created in the state now. At a recent WUAG meeting we talked it over and decided our opinion on what their report should say.

Post to T&G Comments on New Employment Figrues

I agree the media should be reporting U5 and U6, not just the very limited U3 figure. Yes the Government has been using U3 for 45 years (and issuing U4 and U5) so in that sense it isn't "cooking the books", but the media knows better and should stop U3 is a valid measure of the pain and misery out here!

Worcester Unemployment News, 2/24/12 * Noticias del grupo sobre el desempleo de Worcester

Hold the Date: Public Meeting and Forum on Jobs and Unemployment
Sat. March 17 (St. Patrick’s Day), 2pm - 4 pm, St. John’s Church!
Worcester Unemployment News
Worcester Unemployment Action Group – Feb. 23 2012 – V.1, No.1
.............................................................................
Extensions Bill passes, signed into law, cuts out half a year of benefits!
No one asked us, the unemployed! We say it stinks, but no one seems to know or care! That has to change! We will no longer be silent!

IV.1 Checklist

Please download, print, and fill out this checklist to help you organize your information about your mortgage and foreclosure. Be sure to keep copies of all supporting documentation.

Checklist (PDF file)

Navigation Links:
III.3 Filing and Serving Legal Documents <------> IV.2 Boilerplates

Table of Contents

IV.2 Boilerplates

Boilerplates

  1. Statement of Facts Template (Word .doc file)
  2. 93A letter
  3. Superior Court Foreclosure Temporary Restraining Order (TRO)
  4. Superior Court Complaint
    1. Introduction
    2. Parties
    3. Statement of Facts
    4. Legal bases
      1. Closing
        • Subprime mortgage
        • Misrepresentation of income
        • Misrepresentation of loan characteristics

IV.4 Relevant Legal Rulings - Ibanez, Eaton, Bailey, Essex Registry of Deeds study, Dime, Cruz

Dime Savings Case – 1992 Massachusetts legal ruling that makes home-owners tenants-at-sufferance after foreclosure. Foreclosure does not mean former home-owners have to leave; in fact, they have a right to eviction through court and to a habitable dwelling until then.
http://masscases.com/cases/sjc/413/413mass284.html

Ibanez – 20XX Massachusetts ruling that a foreclosure is only valid if the foreclosing lender can show a clear chain of custody of the mortgage back to the original lender listed on the signed mortgage

IV.3 Glossary of Terms

Adjustable Rate Mortgage (ARM)
An adjustable rate mortgage is one in which the mortgage is repaid at a rate of interest that increases or decreases over the life of the loan based on market conditions. The interest charged is tied to a specified financial index which is called a "margin."
Amortization
The gradual repayment of a mortgage loan with equal periodic payments of both principal and interest calculated to retire the obligation at the end to a fixed period of time.
Annual Percentage Rate

III.3 Filing and Serving Legal Documents

Proper filing and serving of your papers can literally make or break your case, especially in Superior Court where the expectations are stricter. Make sure to mark down all deadlines, and do not miss them – get things in early so you don’t run late.

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