Fighting Foreclosures: Compassion in Action

occupy los angeles

Photo: Damon D'amato

Wednesday, January 4th was a long day for Rich, a ruddy-faced and Bronx-accented member of Occupy Los Angeles. There was an event planned that afternoon at the home of Faith Parker, a 78-year-old retired schoolteacher and grandmother facing foreclosure. The problem: Ms. Parker lived 11 miles away in South Central. Rich, 20 years homeless, rose early and began walking. “Sure, I could’ve bummed bus fare. But then you don’t get to see anything along the way,” he later told me.

Rich’s actions got me thinking about compassion. The word’s definition, like many in the English language, fails to live up to its legacy. The Oxford English Dictionary defines “compassionate” as “pitiable” or “piteous,” but this notion of compassion as the “feeling sorry for” is wrong. The word derives from the Latin patiri and the Greek pathein, meaning “to suffer, undergo, or experience.” Adding the prefix com- (with) makes compassion more literally definable as “to endure along with another person,” to enter that person’s point of view, or to feel another’s pain as if it were one’s own.

The 20th was a rough century for compassion. America’s rise as the world’s sole superpower, coupled with the indoctrination of an egocentric “American Dream” as the self-proclaimed and untested best pursuit, encouraged us to embrace self-interest as the principal basis of action. The payoff on this investment in self-centeredness has become evident over the past few years: this mirage has benefited only a privileged few. Following decades of suppression and degradation of collective or egoless thinking, there is a gaping hole in American life where community once thrived.

This is one of many voids within mankind’s collective psyche that Occupy has begun to fill. Nationwide, the Occupy movement’s defense of foreclosed homes and individuals is an embodiment of the compassion espoused by the history’s greatest prophets and philosophers. Since December 6, 2011, Occupy Los Angeles and Occupy the Hood have marched in the footsteps of these titans by occupying homes alongside the evicted and foreclosed, disrupting and/or dispersing foreclosure auctions, protesting predatory banks, lobbying city government for redress, and unifying the community around defeating one of the most difficult, stigmatized, and unjust crises presently facing the 99%.

Despite several victories, the banks, responsible for the mortgage crisis in the first place, continue to wage economic war on America. Bertha Herrera, 70, of Van Nuys, is swept up in the tumult. Ms. Herrera has spent the last ten years volunteering as a chaplain at three hospitals. Her last paid employment was coordinating a program for children with physical and mental disabilities, and before that, offering aid to impoverished women and single-mother families at a community resource center. Despite having every right to do so, she does not levy blame upon the banks for causing the mortgage crisis. She blames them for tricking her into losing her home of 30 years.

After an accident left her on disability, Ms. Herrera refinanced her home and had to take on a roommate to keep up her payments. She discovered in 2009 that her set interest rate was to become variable in 2010, which she would be unable to afford. Following a loan modification request, Ms. Herrera was first coerced into unwittingly signing the last page of a loan modification contract, the rest of which was not mailed to her for more than a month. Her loan holder then informed Ms. Herrera that she was not required to make her next three months’ payments. When she requested documentation verifying this, she was stalled (later, when she appealed and explained being misled by the representative, the claim was denied due to lack of documentation). After skipping the first payment, Ms. Herrera became concerned and followed up. VeriQuest said they’d get back to her.

Shortly thereafter Ms. Herrera received a past-due notice from her lender. She paid it the next day, upset and uneasy about being misled. When she later made her August payment, she discovered that the money was not being applied to her principal, but instead to “insurance and taxes.” Her lender had begun paying her homeowner’s insurance, even though she was already paying it herself, and was attempting to charge her a second time, alongside other fees. She received a notice in early November that she had an outstanding balance of approximately $2,000. Five days later, she received another notice that her balance had risen to $5,000. By Nov. 15, VeriQuest threatened foreclosure without immediate and full repayment for a past-due balance of over $6,000.

occupy los angeles

Photo: Nick Bates

For 27 years, Bertha Herrera had faithfully paid her mortgage. As she scrambled to mobilize emergency payment, her lender had already moved to foreclose. It is alleged that documents of service were presented to a “tall and slender woman” on November 18 to a woman named Bertha Herrera. Ms. Herrera is 5’4”, neither slim nor stocky, and never received the documents. Without notice of service, her five-day window to challenge the foreclosure in court slammed shut while the bank had her scrambling to mobilize the funds to pay the full sum (payment they then refused).

Ms. Herrera has continued to fight for her home despite being evicted on Jan. 5 alongside about 15 brave home Occupiers. Until recently, the re-sale of her house had proceeded so quickly that she was approached by a woman interested in “taking a look around the place” while Ms. Herrera was still packing her belongings. Although clearly pained by this and other humiliating moments throughout the process, she remains strong, hopeful, and thankful.

Her strength and resilience has paid off. The bank has recently begun returning Ms. Herrera’s calls, and there is hope that her home may yet be saved. Speaking of the service provided by the Occupiers, and about compassion in general, her voice lit up: “How I describe it, [Occupiers] have carried my burden for me, with me. I can’t imagine, simply can’t imagine going through that alone. The way the sheriffs pounded, slammed on the door until they broke the latch…”

This is what true compassion looks like. Compassion isn’t feeling bad for someone or offering condolences. Compassion is living a moment of vulnerability and pain alongside a fellow human being while selflessly devoting oneself to their wellbeing. Above all, compassion is about not having to go through it alone.

One of many reasons the Occupation of Solidarity Park was life-changing was the way compassion was lived there, daily, together. From the peacekeepers offering their bodies to calm unrest and the wellness committee offering healthcare, to the various “neighborhoods” looking out for each other, and even in the way people would hear out those who just needed some time to speak, compassion breathed and thrived. Now we must expand this success from the encampment to the psyche.

The action at Faith Parker’s South Central residence went well that day. Recently the bank has returned to the negotiating table; her home may yet be saved. She, beautiful and courageous, possessing a story every bit as compelling as Bertha’s, is not going to go easily. Occupy will be at her side for every step of the way.

That evening, I gave Rich a ride back to the General Assembly. It was then that I learned he had walked all the way from downtown. After I voiced my disbelief, he chuckled, and in his Bronx accent mused, “If you’d told me 20 years ago that I’d spend my whole day walking to South Central to try to save the house of someone I didn’t even know, I’d have told you you was nuts.” He sounded at peace. (Foreclosure battles are constantly ongoing. If you would like to get involved, or if you require foreclosure assistance, contact  occupyfightsforeclosure@gmail.com.

Matt Ward
Los Angeles Times Occupied

Republished with permission from Los Angeles Times Occupied

Published by the LA Progressive on February 15, 2012
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