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From the desk of NY State Senator Jack Martins: April 10, 2012

Help For Homeowners

It started out simple enough. Since taking office I’ve had a small but steady stream of constituents who seek help with various mortgage and foreclosure problems. I regularly connect them to appropriate state agencies and having heard back about a number of successful resolutions, I decided to host a local seminar for anyone experiencing similar issues. I invited the New York Attorney General’s (AG’s) Office, the state’s Department of Financial Services, and even some of the larger lenders.

I thought booking a large meeting room at the Elmont Library was overkill as we had only 25 constituents RSVP, but when I arrived that Saturday morning my jaw dropped. More than 420 people were waiting. Entire families were there, lined up against the walls, waiting in the hall, some even sitting on the floor between rows of chairs. My stomach sank as I looked into what I could see were desperate faces. Not knowing where to start with such a large crowd, we broke off at three tables: the AG’s office at one, financial services at another, and my staff at yet another. I canceled all my appointments that morning as I became absorbed in what was a sobering experience.

Let me start by confirming that with few exceptions, most were employed, hardworking couples, with fair to good credit, who were now inexplicably facing a mortgage crisis, or worse, foreclosure. As our offices interviewed, a recurring pattern of unfair lending practices became evident. Truthfully, it’s hard to believe how some lenders scam people with the same, well-worn techniques, time and again. The AG’s office left that day with 300 legitimate cases.          

For example, I met a well-employed Latino couple that spent years saving for a down payment and whose credit had been near perfect. They were now facing foreclosure because of astronomical mortgage payments. I asked how this happened given their fairly decent circumstances. It turns out their lender continuously promised to have a translator available to help with contracts but one never materialized. At their closing, the lender actually had the couple’s grade-school children translate for them!  Naturally, their contract was a sham and their mortgage rate eventually ballooned. Not only were they losing their home, but their credit rating was being destroyed. Like many immigrants, they spoke English but hardly understood contract legalese. The fact is the lender didn’t want anything translated and sadly, this happens all too often.  

We also heard numerous complaints from those who had applied for loan modifications. They came with all their paperwork in order and even produced signed, certified mail documentation as evidence it had been received. Yet repeatedly, these families waited for months on end without any response whatsoever. Written correspondence and phone calls were routinely ignored. One senior citizen even allowed me to listen to a disturbing, taped conversation with her lender in which her agent was downright disrespectful and dismissive.

I could go on but it wouldn’t be helpful. Instead, I want those facing these dire straits to know you don’t have to go it alone. Our state’s Attorney General’s office and our Department of Financial Services have attorneys who can, where appropriate, interface with lenders and facilitate fair resolutions. But you must take the first step so I encourage you to visit “Help for Homeowners” at www.dfs. ny.gov/consumer/mortg.htm and get informed. Then please remember that patience, persistence and preparation are key to sorting through these paper trails and keeping your piece of the American dream.

Instability in our housing market including foreclosures in our own communities actually affects us all. The sooner we are able to restructure our home loans to provide stable and predictable payments, the sooner we can take a huge step to climb out of this economic downturn. 

News

Five storefronts on Willis Avenue in Williston Park were gutted after a five-alarm fire on Thursday, July 23 at around 2:40 a.m., Williston Park Fire Department officials said. Construction crews could be seen demolishing the row of stores as late as 2 p.m. last Thursday.

 

The fire was under control at around 4:30 a.m. No injuries were reported, officials noted.

 

Williston Park fire units responded at 2:44 a.m. According to department Chief Gary Smithing, the blaze started in the Village Cobbler Shoe Repair Shop at 617 Willis Ave.

The Village of Mineola’s Zoning Board last week approved Winthrop University Hospital’s plan to revamp the “Welcome to Mineola” sign atop the Station Plaza Diner at the Long Island Rail Road Station.

The village code prohibits rooftops signs, but the zoning board has relief powers.

 

“I spoke with the building commissioner and he said that he’s satisfied; that it’s structurally sound and stable,” Zoning Board Chairman John Macedo said. “If he’s satisfied, I’m satisfied.”


Sports

 Students at Charles Water Karate & Fitness, located at 122 Hillside Avenue in Williston Park recently received belt promotions after successfully completing a series of extensive exams.

 

“Our goal at Charles Water Karate & Fitness is to facilitate mental growth enabling our students to reach their highest potential as human beings,” says Charles Water, owner and director of the school.

“Our studio teaches students how to defend themselves responsibly while instilling self-confidence, self-discipline and respect for others.”

Mineola Hurricanes 10U offense was too much for L.I. Saints in 14-5 rout on Thursday July 17, at Willis Avenue Field in Mineola. With 11 runs in the first three innings, The Hurricanes left no doubt about the eventual outcome.

 

An RBI triple by Kevin Pusey, a steal of home by Kevin Pusey, and an RBI single by James Raziano during the first inning and an RBI single by Jack Mackay, a three-run triple by T.J. McManus put runs on the board early. 


Calendar

Concert In The Park - August 1

Boot Camp - August 2

Six Gun Concert - August 3


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