Representatives of the Fairwinds Clubhouse along with State Representative Tim Madden honored Clipper Properties of Falmouth Mass at the 2012 Massachusetts Clubhouse Coalition Annual Employment Celebration at the State House on April 10^th.  It was an honor to present this award to Clipper Properties in recognition of their contributions to helping adults with mental illness live, learn, work and function independently in our community. The earning power of members also shows that employers have tapped into a pool of talented, skillful, hardworking individuals who have overcome the greatest odds and found their strengths as productive employees.”

Clipper Properties of Falmouth sees the person, not the illness, and recognizes the business opportunity to hire excellent employees. Congratulations on receiving this prestigious award from the Massachusetts Clubhouse Coalition and Fairwinds Clubhouse of Falmouth. Thank you for providing outstanding opportunities for people with disabilities. A Celebration of Work: the Key to Recovery

Since 1947, Student Government Day has afforded students from across the Commonwealth an opportunity to take on the roles of Governor, state legislators, constitutional officers and court justices to see what it is like to “run” State Government.

All five students in attendance were assigned as members of the House of Representatives and participated in events in the House Chamber.  They engaged in mock debates, simulated Committee hearings and formal Senate and House  sessions while shadowing their assigned official.

“It was wonderful to see so many students from the district in the building and participating in this unique experience including spending the day with government officials and observing the process of government first hand,” said “Representative Madden. “I was pleased to have the oppertunity to see Thomas, Vincent and Nikolay again as well as meet Meghan and Kevin for the first time”.

Student Government Day participants are selected by a process similar to local elections. Elections to select student delegates and their alternates are traditionally held in high schools throughout the state on the first Tuesday in November.

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Falmouth RESIDENTS and TAXPAYERS (real estate owners) are allowed guaranteed entry to the New Balance Falmouth Road Race as a courtesy. In order to keep this program available, information submitted will be verified – and we request that only those truly eligible for the program submit their information through these forms. The registration fee for the 2012 race is $45.

Eligibility requirements:

1. Residents and taxpayers – as well as their spouses and children (under 23 years old) who live at home may receive guaranteed entry.
2. Resident status will be verified by one of the following methods:
   i) appearance on Falmouth voter rolls
   iii) submission of a current utility bill in the name of the householder
   iv) submission of a copy of a driver license with a Falmouth address
3. Taxpayer status will be verified only by appearance on Falmouth real estate taxpayer rolls

Voter status or taxpayer status are preferred methods and may results in a quicker verification of your eligibility. If applicable, please provide your name as you expect it on the voter rolls or real estate ownership rolls.

TO PROCEED TO THE 2012 NEW BALANCE FALMOUTH ROAD RACE REGISTRATION FOR FALMOUTH RESIDENTS AND TAXPAYERS PLEASE CLICK HERE

Falmouth members of the group, Encore (the sister organization to Newcomers) visited the State House this last month.

Office of the Attorney General

FOR IMMEDIATE RELEASE                                          MEDIA CONTACT:

April 25, 2012                                                                        Brad Puffer/Christopher Loh

                                                                                                (617) 727-2543

AG COAKLEY LAUNCHES “HOMECORPS” PROGRAM AND HOTLINE TO AID DISTRESSED BORROWERS AND EASE FORECLOSURE CRISIS

Funding Result of Multi-State Bank Settlement Over Illegal Foreclosures And Loan Servicing

Program Will Increase Loan Modification Specialists to Assist Homeowners;

Provide Multiple Grants Aimed at Revitalizing Communities and Aiding Borrowers

AG’s HomeCorps Hotline at 617-573-5333

BOSTON —  Attorney General Martha Coakley today launched a groundbreaking new initiative to prevent unnecessary foreclosures by increasing the number of loan modification specialists available to help distressed borrowers and providing a wide range of grant opportunities aimed at easing the foreclosure crisis in Massachusetts.  Joined by Boston Mayor Thomas Menino in front of a Dorchester home saved through a successful loan modification, AG Coakley unveiled details of her new HomeCorps program, funded by the Massachusetts’ share of a nationwide settlement involving the nation’s five largest mortgage servicers and their connection with unlawful foreclosures and loan servicing.

As part of the launch of this new program, the AG’s office has established a HomeCorps Hotline at 617-573-5333 with loan modification experts available to assist borrowers facing foreclosure. A designated HomeCorps section of the AG’s website is now open with more information here.

“This comprehensive HomeCorps program will directly assist Massachusetts homeowners with avoiding unnecessary foreclosures and helping to prevent this crisis from deepening further,” said AG Coakley.  “Our office worked hard to ensure the best possible outcome for Massachusetts borrowers from this national settlement.  These new programs will now allow us to further assist distressed borrowers and stabilize communities deeply impacted by the foreclosure crisis.”

            “In Boston, we are a national leader on foreclosures thanks to our aggressive approach focusing on prevention, intervention and reclamation,” said Mayor Thomas M. Menino. “Our Boston Home Center and foreclosure intervention teams have successfully saved the homes of thousands of Boston residents and families by offering both education and financial support.  I applaud AG Coakley for recognizing how vital these programs are to building stronger communities. The HomeCorps program will be a valuable resource for residents and homeowners in the Commonwealth.”

More than five million people across this country have lost their homes to foreclosure during this economic crisis, including more than 45,000 people in Massachusetts. There are thousands more Massachusetts families on the brink of foreclosure. According to the Warren Group, in February 2012 alone there were 1,394 foreclosure starts in Massachusetts. That is more than double the number of foreclosure starts in February of 2011.

AG Coakley launched a series of HomeCorps initiatives to implement the $44.5 million paid to Massachusetts as part of the national settlement with Bank of America, JP Morgan Chase, Wells Fargo, Citigroup and GMAC/Ally. According to the settlement, signed earlier this month by a federal judge, the banks are also ordered to provide an estimated $14.6 million in cash payments to Bay State borrowers and $257 million worth of mortgage relief across the Commonwealth.

The first part of AG Coakley’s HomeCorps program dedicates approximately $16 million to mitigate future impacts of the foreclosure crisis by providing assistance to distressed borrowers in Massachusetts facing foreclosure. Applications for grant programs in connection with this initiative were launched earlier this month.  This three part borrower support and referral initiative includes:

• HomeCorps Loan Modification Initiative:  

The Loan Modification Initiative offers direct loan modification advocacy to distressed Massachusetts borrowers in order to help many residents avoid unnecessary foreclosure.  The Initiative is staffed by a statewide team of skilled Loan Modification Specialists.

• HomeCorps Borrower Representation Initiative:

The Borrower Representation Initiative will provide direct legal representation to distressed borrowers, with the goals of attaining loan modifications, blocking unlawful foreclosures, or privately pursuing other potential claims. Attorneys at civil legal aid offices across the state will be funded by HomeCorps to provide these legal services at no charge to qualifying borrowers.

• HomeCorps Borrower Recovery Initiative:

The Borrower Recovery Initiative is a support and recovery network for those borrowers who lose their home to foreclosure.  Its goals are to help prevent homelessness, and to stabilize borrowers’ housing situation.  Staff at selected nonprofit organizations statewide will provide supportive resources, such as connecting families to rental housing, available benefits and programs, stabilization assistance, and financial counseling.

The second part of the HomeCorps program will provide up to $10 million in funds to additional programs which mitigate the impact to individual Massachusetts borrowers, as well as those which work to repair the harm to neighborhoods and municipalities. Grant applications for these components can be found on the AG’s website at www.mass.gov/ago/grants.  This part of the HomeCorps initiative includes:

• Crisis Response Innovation Grants:  This grant program is designed to support and fund strategies and programs across the state which support distressed borrowers and prevent foreclosures.

• Municipal and Community Restoration Grants:   This grant program is designed to support and fund strategies and programs across the state which support the Commonwealth’s recovery from the foreclosure crisis, and combat its negative impact on our neighborhoods and housing stock.

In addition to the above HomeCorps programs, other funds from the Massachusetts’ share of the nationwide settlement have been designated as follows:

• Civil Penalties (to General Fund): $4.4 Million
• Legal Expenses (to General Fund): $1 Million
• Compliance and Implementation of Consent Judgment: $1.5 Million
• Supplement Local Consumer Aid Fund (LCAF): $1 million to stabilize a statewide consumer financial education fund.
• Additional settlement funds are reserved for further implementation, HomeCorps programming and grants.

Borrowers facing foreclosures can now contact the AG’s new HomeCorps Hotline at 617-573-5333.  Consumers whose mortgage is serviced by one of the five banks involved in the state/federal settlement may also choose to contact their servicer directly to discuss loan modification and refinancing options.

Mortgage Servicer Hotlines:
Bank of America: 1-877-488-7814
Citi: 1-866-272-4749
Chase: 1-866-372-6901
GMAC/Ally: 1-800-766-4622
Wells Fargo: 1-800-288-3212

The joint state-federal settlement resolves many of the claims outlined in AG Coakley’s lawsuit against the five banks filed in 2011.  The settlement still allows the Attorney General’s Office to continue to pursue claims against the banks for initiating illegal foreclosures in our state and corrupting the Commonwealth’s registered land system through MERS, the Mortgage Electronic Registration System.

AG Coakley’s office has been a national leader in holding banks and investment giants accountable for their roles in the economic crisis.  In addition to the national settlement with the five banks, AG Coakley has obtained recoveries from Morgan Stanley, Goldman Sachs, Royal Bank of Scotland, Countrywide, Fremont Investment & Loan, Option One, and others on behalf of Massachusetts homeowners.  As a result of these actions, her office has recovered more than $600 million in relief for investors and borrowers, helped keep more than 25,400 people in their homes, and returned nearly $60 million in taxpayer funds back to the Commonwealth.

More information about AG Coakley’s work during the lending crisis can be found on her website.

FOR IMMEDIATE RELEASE

April 11, 2012

APPLICATION PERIOD OPENS FOR FIRST HOMECORPS GRANTS

Funding A Result Of Multi-State Settlement With Five National Banks In Connection With Illegal Foreclosures And Loan Servicing

BOSTON — In an effort to reach distressed borrowers and prevent unnecessary foreclosures, the Attorney General’s Office today opened the application period for two separate grant programs of approximately $3.5 million each. This funding is the result of a nationwide settlement involving the nation’s five largest mortgage servicers and their connection with unlawful foreclosures and loan servicing. The programs are designed to mitigate foreclosures and prevent homelessness through access to legal and nonprofit services for Massachusetts borrowers.

The Borrower Representation Initiative and Borrower Recovery Grants are just the first of a series of initiatives to be announced by the AG’s Office which will implement the remaining $37.5 million paid to Massachusetts as part of the national settlement with Bank of America, JP Morgan Chase, Wells Fargo, Citigroup and GMAC/Ally. According to the settlement, signed last week by a federal judge, the banks are also ordered to provide an estimated $14.6 million in cash payments to Bay State borrowers and $257 million worth of mortgage relief across the Commonwealth.

These two grants are components of the HomeCorps, the Attorney General’s new statewide initiative to prevent unnecessary foreclosures in Massachusetts and help communities recover from the impacts of the foreclosure crisis. Designed to assist homeowners, the HomeCorps program includes these two initial grant programs, as well as the expansion of the AG’s Office’s efforts to provide loan modification assistance directly to borrowers. Additional grant opportunities designed to meet the goals of foreclosure prevention and community restoration will be released in the near future, all as part of a comprehensive plan for assisting homeowners throughout the Commonwealth.

“These grants are just one piece of a much larger program that we will implement to assist homeowners and prevent unnecessary foreclosures,” AG Coakley said. “We worked tirelessly to ensure the best possible outcome for Massachusetts borrowers from this national settlement, and we are continuing our work to provide real relief to borrowers and to hold lenders accountable for their unlawful actions.”

The HomeCorps: Borrower Representation Initiative is designed to provide legal services to distressed borrowers and to assist them with obtaining modifications or other relief to avoid foreclosure and loss of their homes. Organizations with the ability to oversee a statewide network of legal services organizations (LSO) offering a variety of free representation are encouraged to apply. Services provided by the LSOs include:

· Loan modification assistance, and;

· Legal representation for pre-foreclosure, post-foreclosure, bankruptcy and other homeownership proceedings.

The HomeCorps: Borrower Recovery Initiative Grant will help prevent homelessness and assist the recovery efforts of borrowers after they lose their homes due to foreclosure. Qualified applicants will be organizations with the ability to oversee a statewide network of borrower recovery sites with multiple disciplines and organizational missions, including:

· Community outreach;

· Financial counseling, and;

· Crisis intervention and social service referrals.

Applicants to both grant programs must be non-profit organizations in good standing with the Internal Revenue Service and in compliance with all reporting requirements of the AG’s Non-Profit and Public Charities Division.

The joint state-federal settlement resolves many of the claims outlined in AG Coakley’s lawsuit against the five banks filed in 2011. In Massachusetts, the settlement provides for immediate relief and continued enforcement. It also allows the Attorney General’s Office to continue to pursue claims against the banks for initiating illegal foreclosures in our state and corrupting the Commonwealth’s registered land system through MERS, the Mortgage Electronic Registration System.

Interested applicants can visit the Attorney General’s website, www.mass.gov/ago/grants, for additional information about the application process and to download application materials. The application deadlines are April 24, 2012 for the Borrower Representation Initiative and May 3, 2012 for the Borrower Recovery Initiative.

“I am pleased we were able to move this along favorably and hope the Senate will do the same” commented Rep. Madden. “We all know the volunteer firemen are crucial to the safety of the island and have been for years”.