June Reyno – June 23, 2009 Letter to President Obama about my police arrest

We have a modest home here in San Diego CA one of the highest hit states on housing foreclosures.

We borrowed money from our equity in April 2006 to cover business debts and other debt obligations so that we could maintain our high credit score to obtain loans in the future. We are responsible citizens. My parents raised me in a military environment and my father retired as a Master Chief in the Navy after 30+ years. After his tour of duty in Washington D.C. we came to San Diego when I was 14 years of age. So I have lived in this City for a good portion of my life. Raising family .

We are petitioners in Bankruptcy and the lender foreclosed without our knowledge. I am disappointed not just for us but for everyone else facing foreclosure in bankruptcy bacause the Bill to have the bankruptcy judges cramdown mortgages for our primary home has not passed.

We were evicted from our home of 20 years by the real estate agent that worked for the debt collection law firm who in turn was hired by Litton Loan Servicing Houston Texas and their Law Firm representing the lender’s interest.

In October 2008 as a demonstration of my protest, I chained myself to the front pillar of our house to express my disappointment over unjust rulings by judges and attorneys whom we paid a great deal of money & who sold us down the river. Resulting in the loss of our home. We were also waiting in anticipation to conclude our Chapter 7 asset estate in Bankrtupcy to cover all the debts owed to our creditors. To date, the Chapter 7 matter is still open and active.

The law firm representing the lender noted in his Motion for Relief Stay “in rem” that we were petitioners in bankrtupcy that were “schemers and frivolous filers” taking advantage of the system as we fought to keep our home from going to foreclosure. The lender foreclosed under a non-judicial trustee sale without our knowledge or notice on 2 events.  We were trying to do a good-faith work out which we now know was NEVER THE LENDER’S INTENTION to stop the foreclosure from moving forward.

We thought we were doing everything that was right under the laws that govern this country. After many false promises to do a work out to stay and keep our home from going to foreclosure the lender continued to lie about who actually purchased our note which I came to discover they did not know and foreclosed.

We have paid close to $1M for our house over the course of 20 years with nothing left in our retirement savings to show for our hard work. A house that served as a licensed day care home for foster care infants and after school children. A house that I raised my son and a shelter for our loving house pets.

We have been living with our neighbor next door fighting to get our house back that was wrongfully foreclosed on. We now know why the lender never intended to do a short sale. Because if they did they would be exposing their criminal acts. They cheated and stole our home despite our good faith showing to pay the debt.

What is most distressing is that despite our bankruptcy petition the lender went so far to have me arrested and taken to jail because we returned to our home after having no success with the state and bankrtupcy court to stop the Sheriff lock-out March 12, 2009.

Something must be done to stop the foreclosures and the stealing of people’s family homes!!

Legal representation in both state and bankruptcy court is difficult especially when you don’t have the money for competent legal representation.

We have asserted through the courts for the last 2 years that we are victims of mortgage fraud when we re-financed our loan to pay for business debts and other obligations to creditors.

When will YOU put a stop to evictions and foreclosures permanently?

How many letters of support from families across the nation do you need from people who were wrongfully evicted by the banks that have left 80,000 S.D. houses empty after foreclosure? Would it not be proper and just at this time to issue an Executive Order?

I urge you to please put a stop today this madness by the banks and other institutions so our economy can start to heal.

Despite all the hardships in fighting to keep our home we remain grateful for you as our president.

Thank you for all the good things you are trying to do for us. We understand and know the challenges you face to bring this country back to it’s feet. We want to help but it’s difficult when we have lost just about everything we worked so hard for.

When things settle down for us, I will resume doing what I’ve always enjoyed and that is volunteering in our community at the urging of you and our First Lady. Thank you for your letter.

Respectfully yours,

June Reyno/Freddie Reyno H/W

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