March 8th, 2016
Statement from Michelle Darnell on Washington State's Non-Judicial Foreclosure and Repeal of DTA (Authorized Reprint)
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| Washington State's 48th Legislative District candidate, Michelle Darnell |
The following is a Press Release by Seattle based contributor, David Malekar; who regularly publishes content to the WashCo Chronicle. The statement release is by Michelle Darnell, candidate in Washington state's 48th Legislative District. Running as a Libertarian, she hopes to bring "justice, prosperity, responsibility, tolerance, cooperation, and peace" to the respective area. You may view more information at the website michelleforthehouse.com/ and contact her campaign from there.
Michelle has issued the following statement regarding the end of non-judicial foreclosure in the state of Washington and connecting crisis of homelessness, and the repeal of the Deed of Trust Act.
Statement from the Washington State 48th Legislative District candidate, Michelle Darnell:
Decrease homelessness and End non-judicial foreclosure in our state!
Homelessness is an increasing problem in our state and county. In the last two years we have seen a 40% cumulative increase in homelessness in King County, yet we have over 5k foreclosures at the moment and 0ver 2000 empty bank owned homes in the county.
This is a problem that affects us all as we search our hearts and minds for solutions. No one wants to see veterans, children and the elderly on our street. No one wants to see their neighbors disappear one by one. No one enjoys living with the uncertainly of the housing market as it is manipulated by the banks. The “too big to fail” banks are pillaging our communities and it is time for that to STOP.
Families around this state are being evicted from their homes needlessly; they are migrating to urban areas to look for homes and jobs. This is driving up rents. When the existing tenants can’t afford the new rents or first, last and a deposit, they are either on the street or on a couch.
We can see the signs on every corner. We have 50,000 homeless kids in our state, yet empty homes dot the state like bodies on a battle field. What is the response? To build tent cities and provide mobile health services. Both are admirable attempt to band-aide a situation but do nothing to address the cause.
The smart response is to identify the cause of the homeless crisis and work to eliminate one of the root causes. Foreclosure is a quick path to homelessness. This is why I have worked nearly 8 years to fight the foreclosure epidemic. I saw this homelessness crisis coming as I toured empty homes several years ago and listen to the tragic stories day in and day out.
We have had over 640,000 families in this state evicted from their homes, about 80% of them, unnecessarily, because they should have been offered a modification. That is what the bailed out banks were supposed to do in return for tax payer money. But instead, the banks used the program to lure people in to default and then they foreclosed upon them. They are still doing to.
We have a WA Foreclosure Fairness Act mediation program and spent $4 million last year to save 800 homes out of over 4000 referrals. That is a failure. Why is it failing? Because the banks just go through the motions and there is no way to stop them.
We can see the There is a mountain of case law and evidence indicating the banks have been up to no good they are breaking laws with impunity. This is a root cause of homelessness in our communities.
This is why I will work to end non-judicial foreclosure in our state by repealing the Deed of Trust Act.
Washington State is home to non-judicial foreclosure. This means that a home may be repossessed and sold at auction by a third party “judicial substitute” called a trustee. This trustee is actually hired by the bank but is supposed to have a duty of good faith to the borrower and be unbiased like a judge. That doesn’t even make sense does it? Homeowners never get their day in court and it is easier to repossess a home than a car in this state! You don’t even have to prove owners ship of the loan or how much is owed!
Washington’s non-judicial Deed of Trust system is unjust and unconstitutional, as homeowners face three additional barriers to due process:
(1) If a homeowner has cause to defend their property via a law suit, and the majority do, they MUST pay a bond equivalent to their mortgage payment each month to the court for the duration of the law suit.
(2)The homeowner is the plaintiff bringing the action so the burden of proof is on them.
(3) IF they lose, they must pay the banks attorney fees too, so filing a lawsuit is a very risky proposition.
When
elected I will work to end non-judicial foreclosure in our state. I
will stand up against the banking lobby and defend homeowners against
the abuses they have been suffering for years. I will work to restore
justice and liberty in our state.
I will introduce a bill to repeal the Deed of Trust act.
Please join me in this effort at michelleforthehouse.com.
Approved by the campaign to elect Michelle Darnell for State
Rep 48th LD- Libertarian
June 2nd, 2016
Michelle Darnell (48th-L) Announcement Press Release 5.31.2016
MICHELLE DARNELL, 48TH—L
Candidate
48TH LEGISLATIVE LD
48TH LEGISLATIVE LD
WASHINGTON STATE HOUSE OF REPRESENTATIVES Pos. 1
Michelle for the House, 830 Kirkland Way, # 203, Kirkland WA 98033
For Immediate Release: Media Contact:
May 31, 2016 Scott Scrimshaw
GaryJohnson2016@gmx.com
MEDIA ADVISORY
“We made history this weekend”-Michelle Darnell, Candidate for State Representative—Libertarian, 48th LD (Bel-Red-Kirk)
Kirkland paralegal and consumer advocate Michelle Darnell, returned Monday from the National Libertarian Convention in Orlando Florida where former New Mexico Governor Gary Johnson and former Massachusetts governor Bill Weld narrowly earned the nomination of the Libertarian Party.
“There were times, I thought it may not happen” says the Washington delegate. “There was even some division in our delegation, but at the end of the day we chose the candidates with the most experience so once elected they can get the job done.”
An NBC/News/ Wall Street Journal poll, this month, f0und that 47% of registered voters would consider a third party candidate if Mr. Trump and Mrs. Clinton where the major party nominees. The time has come for a third party choice that reflects the “socially accepting/fiscally responsible” message of the Libertarian Party.
Michelle was especially pleased to have assurances directly from Johnson and Weld that their administration would prosecute bank fraud. Bill Weld served as U. S Attorney and also a prosecutor and is known for prosecuting corruption. “After speaking to Mr. Weld and Mr. Johnson, I am confident in this ticket. It brings me great hope for this country.”
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| Michelle Darnell www.facebook.com/MDarnellWashington www.twitter.com/Darnell4Change www.michelleforthehouse.com |
Ms. Darnell feels that the rise of the Libertarian Party in the polls and in media, will spill over on to her down-ticket campaign as she seeks to be the first Libertarian female elected t0 a state office in the nation. “The Libertarian party did me a favor this weekend electing these two men. Now it is time to unite as a party and get the job done.”
The campaign, Michelle for the House, is hosting a kick off on June 18th. For more information or tickets, please go to: michelleforthehouse.com
Scott Scrimshaw
Press Secretary, 541-399-0195
June 7th, 2016
http://www.libertychronicle.net/2016/06/michelle-darnell-48th-l-press-release.html
Michelle Darnell (48th-L) Press Release on Housing Crisis 6.6.2016
MICHELLE DARNELL, 48TH—L
Candidate
48TH LEGISLATIVE LD
WASHINGTON STATE HOUSE OF REPRESENTATIVES Pos. 1
Michelle for the House, 830 Kirkland Way, # 203, Kirkland WA 98033
For Immediate Release: Media Contact:
May 31, 2016 Scott Scrimshaw
GaryJohnson2016@gmx.com
MEDIA ADVISORY
“If we want more affordable housing we must keep people in their homes and repeal regulations that are driving up housing costs”-Michelle Darnell, Candidate for State Representative—Libertarian, 48th LD (Bel-Red-Kirk)
Michelle Darnell attended the 22nd Seattle King County Realtors Association Issues briefing, Thursday June 2, at the Bellevue Westin.
At the briefing Mollie Carmichael, Principal with John Burns Real Estate consulting confirmed what Michelle has been saying since 2014. King County has a housing crisis. Inventory is alarmingly low and affordability is low. Access to mortgage financing is limited with new regulations.
Michelle Darnell, a foreclosure defense paralegal and homeowner advocate, is actually aware of the situation as she helps homeowners avoid unnecessary foreclosure via the Washington State foreclosure fairness act. According to the Department of Commerce, less than 10% of homeowners participate in the program so they walk away from their homes. There were roughly 4000 referrals to the program in 2015 and of those only 800 were able to keep their homes. “The WA FFA is failing because banks have no incentive to act in good faith. After being told by the bank to stop paying in the first place, the homeowner has no leverage as their credit is destroyed and they owe so much in arrears. The banks merely go through the motions on the way to foreclosure.” When elected Michelle says she would work to fix this by either repealing the Deed of Trust act or amending it so homeowners have a fairer chance to retain their homes without having to file an expensive lawsuit. “We have empty homes dotting this state like bodies on a battlefield and rising rents and homeless spilling out on to the streets. This causes a whole host of other problems. I am running to fix this problem.”
Another problem is the burden regulation that is increasing the cost of building affordable housing. “I was recently told there is a 100 year lag in innovation because of regulations that are stifling innovative systems and product like hemp products. These products are more energy efficient and can bring down the cost of building affordable housing but builders can’t get occupancy permits because they do not pass code.” Michelle says that many of these codes have been engineered by industries manipulating the market by using their lobbying power. “I support all business but when big business controls the market, that is not free enterprise that is corporate socialism.” says Darnell.
“According to her legislative newsletter, my opponent would hope to address homelessness by investing in temporary solutions. I would address the problem by working to keep people in their homes and by bringing down the cost of building affordable housing. These are permanent solutions” states Darnell.
Michelle
says this is an important issue in her district because people moving
to the area to support our tech industry need affordable housing and
building affordable housing creates jobs. Further she says that the
problems caused by homelessness are impacting our community. “As people
are flushed out of Seattle, they are coming east to try to find work
and places to live” state Michelle. Also, foreclosures themselves bring
down property values of adjacent homes, she states.
www.facebook.com/mdarnellwashington
www.twitter.com/darnell4change
www.michelleforthehouse.com
www.twitter.com/darnell4change
www.michelleforthehouse.com
Michelle adds that she is happy that at least the problem is being discussed because in 2014, when she tried to call attention to it, few legislators or candidates even recognized the problem. “Recognizing the problem is a first step. Now let’s do the hard work of increasing the availability of affordable housing. This is good for industry and families.”
For more information about Michelle’s approach to solving housing issues her campaign in general, please go to: michelleforthehouse.com
Scott Scrimshaw
Press Secretary, 541-399-0195
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