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Huffington Post blogger and accidental activist, Richard Zombeck founded ShametheBanks.org

Shame the BankHuffington Post blogger and accidental activist, Richard Zombeck founded ShametheBanks.org after watching as nearly all homeowners who told their story publicly managed to cause enough of a stir to shame the banks into helping these particular people, so in the spirit of publicly scorning the banks he started this site. You can read more about the launch at HuffPost.
Zombeck is in his own fight with his servicer and has been battling them for two years now ... there's no end in sight.

There are several other like minded bloggers who have joined the fight and contribute regularly to the site. In addition to the bloggers much of the news available throughout the Internet is aggregated here as well Why it all Started

This site has been created for me, for you, and for millions of other Americans fighting the banking system to save the roof over their heads.
This site is not just about shaming the banks however; it's about shaming each and every person that any of us have reached out to for assistance only to be denied, pushed aside and lied too.

It has become abundantly clear that Congress, Wall Street and the Banks are not concerned about the American Family.  Daily we  turn on the TV and watch the endless Dog and Pony shows that are created to distract Americans from the real issues facing us and our families.

We are done being lied to and done being treated as second hand citizens. It is time that the truth is told and we, who have been and still are being dragged through the dirty cogs of the Banking Industry, are going to tell it.  It is time that each and every member of Congress is held accountable for their actions or inactions that has led this great Nation to what it has become today.
Who are we and why are we doing this?

We are just everyday people who have either been in the process, are currently in the process or looking into the process of Loan Modifications.
Some here are in foreclosure and waiting for the other shoe to fall; some have received a modification that in the end will probably do more harm than good; and others are still waiting to know their fate.

We work our jobs, pay our bills and struggle to find a way to bring it all together for the good of our families.  We've reached out to Congress, to Government Agencies who are supposed to help us (HUD and the OCC come to mind), to the Banks and many, many other resources only to be lied too, pushed aside and trampled on and, to top it off, we have been viciously attacked by others who are not fully aware of the truth.

Shamethebanks.org has not been created to make money off of the suffering of others. It has been created to give a voice to each visitor to share their stories and give a true account of what the Banks, Congress and Wall Street are actually doing to American families today. To allow regular people to speak to their truth.

Bottom-line is this, we will make every effort to get your story told to the masses.  We will continue to improve our site and accessibility.  We will not share any personal information with third parties EVER.

We have been contacted by the media, members of Congress, and attorneys who frequently visit the site looking for stories like yours.

We will use all of our personal resources to provide you with the most accurate, up to date information regarding Banking issues, Congressional issues and other topics that continue to be sweep under the proverbial rug.

Tell your story!


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We can help you stop foreclosure with a loan modification in the following states:

If you need help understanding your option of taking advantage of the home loan modification process, the help is available to you everywhere. The process is quite tricky and it is highly recommended that you do indeed seek legal advice before signing on the dotted line, in order receive the most efficient and cost-effective modification to your mortgage payment.

Where do I get Advice
There is advice all over the web on how to receive a loan modification; some of this advice is quite helpful, while some is quite dreadful. There is also the opportunity to hire a professional service that will help you go through the paperwork and work with the lender to help you get all the benefits that you deserve, due to a hardship. Loan modification is a process that must be understood completely and thoroughly. This article can actually offer you an insight on the process of loan modification and tips that will better help you as a homeowner save your home from the risk of a foreclosure.

Loan Modification Advice
First and foremost, it is important to determine if you are eligible for a loan modification. This requires writing a letter of hardship explaining to the lender what exactly the reason is for your late payments and the fact that you are unable to pay your mortgage. Doing a loan modification on your own requires more than just advice. Becoming educated about the process is more important. This is perhaps a good reason to hire a professional loan modification company to take part in the process. They will handle everything for you, while educating you in the progression. There is a fee charged for hiring these companies, but in turn your mortgage payment can be lowered quite a bit and professionals can even find things in your original loan papers that may prove that the lender may have broken the law during your original mortgage signing.

If you do choose to take the big leap of the loan modification process on your own, you must first contact the lender and they will lead you to the correct department, normally the loss mitigation department. You may not want to directly say that you are in the process foreclosure. We do not want the lender to think your situation is not worth their time before hearing you out. Always document anything relating to the loan modification process, every phone call and any other information you may receive during the process must be documented. Always discuss every option available with your lender, so that you may come up with the best alternative for you. It is true you will save money going directly through your lender and let’s face it, you are struggling already trying to make your payments, but professional assistance can help immensely.

No matter what direction you decide to take, loan modification will be what determines the amount of time you have in your home. If you are eligible you should act as soon as possible.



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