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    Hello, All:  <br>
    <br>
    <br>
          California Attorney General Kamala Harris is asking for our
    help in getting a "Homeowners Bill of Rights" through the California
    legislature.  Harris has been one of the leaders in the nation in
    the fight against the predatory banks.  <br>
    <br>
    <br>
          This "Homeowners Bill of Rights" is actually a collection of
    six bills, with bill numbers and a summary given in "<a
      href="http://oag.ca.gov/news/press_release?id=2641">http://oag.ca.gov/news/press_release?id=2641</a>". 
    <br>
    <br>
    <br>
          I have read the summary but not the complete bills.  I believe
    that Atty Gen. Harris deserves our support, and I encourage you to
    go to
    <a class="moz-txt-link-rfc2396E" href="http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=7vkFFtWP5iA763%2FeSAfPm3dwpaNFje4r">"http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=7vkFFtWP5iA763%2FeSAfPm3dwpaNFje4r"</a>
    and become a citizen "co-sponsor", as requested below.  <br>
    <br>
    <br>
          Spencer <br>
    <br>
    <br>
    -------- Original Message --------
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          <th align="RIGHT" nowrap="nowrap" valign="BASELINE">Subject: </th>
          <td>[occupy-san-jose] The end of California's mortgage
            nightmare starts now. Here's how</td>
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          <th align="RIGHT" nowrap="nowrap" valign="BASELINE">Date: </th>
          <td>Sat, 3 Mar 2012 15:19:23 -0800</td>
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          <th align="RIGHT" nowrap="nowrap" valign="BASELINE">From: </th>
          <td>Susie Barton <a class="moz-txt-link-rfc2396E" href="mailto:tsubaka360@gmail.com"><tsubaka360@gmail.com></a></td>
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          <th align="RIGHT" nowrap="nowrap" valign="BASELINE">Reply-To:
          </th>
          <td><a class="moz-txt-link-abbreviated" href="mailto:occupy-san-jose@googlegroups.com">occupy-san-jose@googlegroups.com</a></td>
        </tr>
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          <th align="RIGHT" nowrap="nowrap" valign="BASELINE">To: </th>
          <td>Occupy San Jose <a class="moz-txt-link-rfc2396E" href="mailto:occupy-san-jose@googlegroups.com"><occupy-san-jose@googlegroups.com></a></td>
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    <br>
    <br>
    Will this help Gloria?<br>
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                                <div><span style="font-size:10.5pt"><img
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src="http://salsa.wiredforchange.com/o/6267/images/AG%20Harris%281%29.jpg"
                                      alt="" align="right" height="195"
                                      width="180">Dear Susie,</span></div>
                                <div><span style="font-size:10.5pt">This
                                    week, I stood with Assembly Speaker
                                    John Pérez and Senate President pro
                                    Tem Darrell Steinberg to
                                    introduce the<span> </span><b><span>California
                                        Homeowners Bill of Rights</span></b>,
                                    which will bring fairness and
                                    transparency to mortgages in our
                                    state.</span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><b><span style="font-size:10.5pt">Today,
                                      I’m writing to ask your help with
                                      this work.</span></b><span
                                    style="font-size:10.5pt">Powerful
                                    special interests will oppose
                                    closing the mortgage loopholes that
                                    hurt homeowners. We need your help
                                    to get this bill to the governor's
                                    desk.</span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt"><a
                                      moz-do-not-send="true"
                                      rel="nofollow"
href="http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=yHfGFpQQvSdOQo3cexaTtXdwpaNFje4r"
                                      target="_blank"><b><span>Pledge to
                                          join myself and the ReFund
                                          California Coalition as a
                                          Co-Sponsor to pass the
                                          California Homeowners Bill of
                                          Rights. We’ll keep you
                                          informed and updated as the
                                          legislation advances.</span></b></a></span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt">We
                                    have all seen the results of a
                                    mortgage process that is stacked
                                    against the homeowner. From Stockton
                                    to Boyle Heights, from San
                                    Bernardino to Sacramento, our
                                    families and communities are
                                    suffering from a foreclosure crisis.<span> </span><b><span>We
                                        need a mass movement to make
                                        calls, write letters, and
                                        mobilize Californians on their
                                        behalf.</span></b></span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt">Last
                                    month, we extracted an $18 billion
                                    commitment from the banks for
                                    California. That was a life
                                    preserver for underwater homeowners.<span> </span><b><span>Now
                                        we must fundamentally reform our
                                        broken mortgage system.</span></b></span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt"><a
                                      moz-do-not-send="true"
                                      rel="nofollow"
href="http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=7vkFFtWP5iA763%2FeSAfPm3dwpaNFje4r"
                                      target="_blank"><b><span>Join our
                                          movement for mortgage reform.
                                          Then, ask 5 friends to do so,
                                          too.</span></b></a></span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><b><span style="font-size:10.5pt">The
                                      Homeowners Bill of Rights
                                      restricts the insidious practice
                                      of "dual tracking," under which
                                      homeowners are seeking a loan
                                      modification from their bank --
                                      and get foreclosed upon anyway. </span></b><span
                                    style="font-size:10.5pt">It requires
                                    lenders to offer homeowners a single
                                    point of contact for questions about
                                    their mortgage, and imposes fines of
                                    up to $10,000 for “robo-signing.”</span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt">This
                                    work won’t be easy, but it will
                                    benefit families across the state.
                                     Please raise your voice on their
                                    behalf.  </span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt"><a
                                      moz-do-not-send="true"
                                      rel="nofollow"
href="http://salsa.wiredforchange.com/dia/track.jsp?v=2&c=rmW40TM9EEHkUgnNxhcoBcYrREkBaT32"
                                      target="_blank"><b><span>Sign on
                                          as a Co-Sponsor of the
                                          Homeowners Bill of Rights.</span></b></a></span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt">Standing
                                    with you,</span><span
                                    style="font-size:10.5pt"><br>
                                  </span></div>
                                <div><span style="font-size:10.5pt">Kamala
                                    D. Harris, </span></div>
                                <div><span style="font-size:10.5pt">32nd
                                    Attorney General of California</span></div>
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                                      <td><span
                                          style="font-size:smaller"><i>ACCE
                                            is proud to join groups such
                                            as People Improving
                                            Communities through
                                            Organizing (PICO), Courage
                                            Campaign and California
                                            Reinvestment Coalition (CRC)
                                            as part of the ReFund
                                            California Coalition, a
                                            state-wide coalition of
                                            homeowners, community
                                            members, faith leaders and
                                            students working to make
                                            Wall Street banks pay for
                                            destroying jobs and
                                            neighborhoods with their
                                            greedy, irresponsible and
                                            predatory business
                                            practices.</i></span><i><br>
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    -- <br>
    <font size="1"><i style="font-family:verdana,sans-serif">Watashi
        tachi wa onaji kama no meshi o taberu</i></font><br>
             <font size="1">"We all eat from the same bowl"</font><br>
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