THIS IS SERIOUS HELP FOR YOUR FAMILY! Applies to any MERS ‘residential’ mortgage in the United States.

A landmark ruling in a recent Kansas Supreme Court case may have given millions of distressed homeowners the legal wedge they need to avoid foreclosure. In Landmark National Bank v. Kesler, 2009 Kan. LEXIS 834, the Kansas Supreme Court held that a nominee company called MERS has no right or standing to bring an action for foreclosure. MERS is an acronym for Mortgage Electronic Registration Systems, a private company that registers mortgages electronically and tracks changes in ownership. The significance of the holding is that if MERS has no standing to foreclose, then NOBODY has standing to foreclose – on 60 million mortgages. That is the number of American mortgages currently reported to be held by MERS. Over half of all new U.S. residential mortgage loans are registered with MERS and recorded in its name. Holdings of the Kansas Supreme Court are not binding on the rest of the country, but they are dicta of which other courts take note; and the reasoning behind the decision is sound.
The development of “electronic” mortgages managed by MERS went hand in hand with the “securitization” of mortgage loans – chopping them into pieces and selling them off to investors. In the heyday of mortgage securitizations, before investors got wise to their risks, lenders would slice up loans, bundle them into “financial products” called “collateralized debt obligations” (CDOs), ostensibly insure them against default by wrapping them in derivatives called “credit default swaps,” and sell them to pension funds, municipal funds, foreign investment funds, and so forth. There were many secured parties, and the pieces kept changing hands; but MERS supposedly kept track of all these changes electronically. MERS would register and record mortgage loans in its name, and it would bring foreclosure actions in its name. MERS not only facilitated the rapid turnover of mortgages and mortgage-backed securities, but it has served as a sort of “corporate shield” that protects investors from claims by borrowers concerning predatory lending practices. California attorney Timothy McCandless describes the problem like this:

“[MERS] has reduced transparency in the mortgage market in two ways. First, consumers and their counsel can no longer turn to the public recording systems to learn the identity of the holder of their note. Today, county recording systems are increasingly full of one meaningless name, MERS, repeated over and over again. But more importantly, all across the country, MERS now brings foreclosure proceedings in its own name – even though it is not the financial party in interest. This is problematic because MERS is not prepared for or equipped to provide responses to consumers’ discovery requests with respect to predatory lending claims and defenses. In effect, the securitization conduit attempts to use a faceless and seemingly innocent proxy with no knowledge of predatory origination or servicing behavior to do the dirty work of seizing the consumer’s home. . . . So imposing is this opaque corporate wall, that in a “vast” number of foreclosures, MERS actually succeeds in foreclosing without producing the original note – the legal sine qua non of foreclosure – much less documentation that could support predatory lending defenses.”
The real parties in interest concealed behind MERS have been made so faceless, however, that there is now no party with standing to foreclose. The Kansas Supreme Court stated that MERS’ relationship “is more akin to that of a straw man than to a party possessing all the rights given a buyer.” The court opined:

“By statute, assignment of the mortgage carries with it the assignment of the debt. . . . Indeed, in the event that a mortgage loan somehow separates interests of the note and the deed of trust, with the deed of trust lying with some independent entity, the mortgage may become unenforceable. The practical effect of splitting the deed of trust from the promissory note is to make it impossible for the holder of the note to foreclose, unless the holder of the deed of trust is the agent of the holder of the note. Without the agency relationship, the person holding only the note lacks the power to foreclose in the event of default. The person holding only the deed of trust will never experience default because only the holder of the note is entitled to payment of the underlying obligation. The mortgage loan becomes ineffectual when the note holder did not also hold the deed of trust.” [Citations omitted; emphasis added.]

MERS as straw man lacks standing to foreclose, but so does original lender, although it was a signatory to the deal. The lender lacks standing because title had to pass to the secured parties for the arrangement to legally qualify as a “security.” The lender has been paid in full and has no further legal interest in the claim. Only the securities holders have skin in the game; but they have no standing to foreclose, because they were not signatories to the original agreement. They cannot satisfy the basic requirement of contract law that a plaintiff suing on a written contract must produce a signed contract proving he is entitled to relief.
The Potential Impact of 60 Million Fatally Flawed Mortgages

The banks arranging these mortgage-backed securities have typically served as trustees for the investors. When the trustees could not present timely written proof of ownership entitling them to foreclose, they would in the past file “lost-note affidavits” with the court; and judges usually let these foreclosures proceed without objection. But in October 2007, an intrepid federal judge in Cleveland put a halt to the practice. U.S. District Court Judge Christopher Boyko ruled that Deutsche Bank had not filed the proper paperwork to establish its right to foreclose on fourteen homes it was suing to repossess as trustee. Judges in many other states then came out with similar rulings.

Following the Boyko decision, in December 2007 attorney Sean Olender suggested in an article in The San Francisco Chronicle that the real reason for the bailout schemes being proposed by then-Treasury Secretary Henry Paulson was not to keep strapped borrowers in their homes so much as to stave off a spate of lawsuits against the banks. Olender wrote:

“The sole goal of the [bailout schemes] is to prevent owners of mortgage-backed securities, many of them foreigners, from suing U.S. banks and forcing them to buy back worthless mortgage securities at face value – right now almost 10 times their market worth. The ticking time bomb in the U.S. banking system is not resetting subprime mortgage rates. The real problem is the contractual ability of investors in mortgage bonds to require banks to buy back the loans at face value if there was fraud in the origination process.

“. . . The catastrophic consequences of bond investors forcing originators to buy back loans at face value are beyond the current media discussion. The loans at issue dwarf the capital available at the largest U.S. banks combined, and investor lawsuits would raise stunning liability sufficient to cause even the largest U.S. banks to fail, resulting in massive taxpayer-funded bailouts of Fannie and Freddie, and even FDIC . . . .

“What would be prudent and logical is for the banks that sold this toxic waste to buy it back and for a lot of people to go to prison. If they knew about the fraud, they should have to buy the bonds back.”

Needless to say, however, the banks did not buy back their toxic waste, and no bank officials went to jail. As Olender predicted, in the fall of 2008, massive taxpayer-funded bailouts of Fannie and Freddie were pushed through by Henry Paulson, whose former firm Goldman Sachs was an active player in creating CDOs when he was at its helm as CEO. Paulson also hastily engineered the $85 billion bailout of insurer American International Group (AIG), a major counterparty to Goldmans’ massive holdings of CDOs. The insolvency of AIG was a huge crisis for Goldman, a principal beneficiary of the AIG bailout.

BOTTOM LINE: KEEP YOUR HOME And no more Mortgage payments. You still have to pay your property taxes, but the mortgage will be uncollectable, and you do NOT have to move. Learn MORE here, and you most likely will WIN. READ IT CAREFULLY… the banks do NOT want you to know this information.

Here is the LINK:

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Renters in Fannie Mae-owned foreclosed properties can stay in their homes

Renters in Fannie Mae-owned foreclosed properties can stay in their homes


Support for Renters

Renters in Fannie Mae-owned foreclosed properties can stay in their homes

A renter who wants to stay in a home that has been foreclosed can now sign a month-to-month lease if the property is owned by Fannie Mae.

Renters live in more than 20 percent of all properties facing foreclosure. They may pay their rent on time but still risk eviction if the property goes into foreclosure.  To help minimize disruption to good tenants, Fannie Mae now allows them to stay in their homes with a month-to-month lease. The policy, which applies to properties owned by Fannie Mae, will help bring stability to communities affected by high foreclosure rates.

To qualify, renters must live in foreclosed properties at the time Fannie Mae acquires the property. Any single-family property is eligible including two- to four-unit properties, condos, co-ops, single-family detached homes and manufactured housing. The properties must meet state laws and local code requirements for a rental property. Fannie Mae will not require security deposits. The properties will remain on the market for sale.

Eligible renters will be offered a new month-to-month lease with Fannie Mae or financial assistance to move to new housing if they choose.  Fannie Mae will manage the properties through a real estate broker or a property management company.

Rental rates under the new leases will be comparable to other rents in the same market and subject to any legal rent control restrictions. The company will review any instance where the market rate would increase the tenant’s rent and will work to reach an equitable resolution.

Learn more about Fannie Mae’s National REO Rental Policy (24KB)

Does Fannie Mae own the property that you rent?


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Is Your Pet Losing His/Her Home Due To Foreclosure?

Is Your Pet Losing His/Her Home Due To Foreclosure?

Here are some helpful tips for you and your pet before it’s too late.

Please don’t have unrealistic expectations about how you will deal with your pet once your home is gone.  Thousands of pets are losing their homes and their lives because of the housing crisis.  We want to help people and their pets with some simple guidelines to follow if you are one of the unfortunate people losing your home.

  1. Look at your options NOW- Plan ahead, so you aren’t forced to take your pet to animal control or worse.  If you receive a foreclosure notice it’s very important to begin the process of where your pet will go once you are forced to move. Foreclosure doesn’t happen overnight so there should be ample time to find a home for your pet if you start looking right away.  All too often we have people contact us a few days before they need to move.  It’s impossible to place a pet with no time to even find a foster home.
  2. S/N and vetted pets are easier to place -Make sure your pet is spayed or neutered and current on vaccinations.  It’s much easier to place a pet into rescue or a permanent home if they are completely vetted.  There are many low cost spay/neuter programs that can fit most budgets.
  3. Turning your pet loose it not an option -Do not drop your pet on the side of the road thinking it’s a better option than animal control.  Domesticated pets have no idea how to survive in the wild and will likely be hit by a car, killed by another animal, starve to death or die of disease.  None of these options are better than animal control.  There is no guarantee that your pet will not be euthanized but at least they will have food and shelter until that decision has to be made.
  4. Use internet resources – Use all of the internet resources available to help find your pet a new home.  There are hundreds of websites available if you are willing to do a little work. For instance www.petfinder.com . Take good photos so people can see your pet at his/her best.   Humane organizations and rescues will immediately ask for a photo if they are in a position to help you so be prepared and send the photo with your request.  A picture is worth a thousand words!
  5. Look outside the state if need be – Look outside of the State for other rescue groups.  If you have a purebred dog or cat there are many rescues that are breed specific in and out of Georgia.  There are states that don’t have the huge issue of homeless pets that Georgia does and you may be able to transport your pet to one of those states. Be sure to ask if the rescue has a waiting list and if they do get on it.
  6. Be patient! – This will not happen overnight.  Many rescues are overwhelmed with the number of requests received every week.  We know these are trying times for everyone but if we work together we will make it through and hopefully save lives in the process!

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Having Trouble Affording Your Pet?

Having Trouble Affording Your Pet?

Go to this site for all links

Below is a comprehensive list of pet financial aid-related organizations, listed alphabetically by state.

If your organization is offering assistance (such as pet food, discounted veterinary services including spay/neuter, temporary foster care, etc.) to individuals who are facing financial difficulties due to the current economic situation, please let us know about your programs by emailing foreclosurepets@humanesociety.org

AL | AK | AZ | AR | CA | CO | CT | DE | DC | FL | GA | HI | ID | IL | IN | IA | KS | KY | LA | ME | MD | MA | MI | MN | MS | MO | MT | NE | NV | NH | NJ | NM | NY | NC | OH | OK | OR | PA | RI | SC | TN | TX | UT | VT | VA | WA | WV | WI | WY

Need Help With Veterinary Bills?
Visit our Pet Financial Aid page for help with vet health care costs.

Friends of Cats and Dogs Foundation – Birmingham (Pet Food, Spay/Neuter Assistance)

Shelby Humane Society – Columbiana (Spay/Neuter Assistance)

The Animal Friends Humane Society – Decantur (Pet Food/Litter, Spay/Neuter Assistance)

Alabama Animal Adoption Society – Homewood (Spay/Neuter Assistance)

Greater Huntsville Humane Society – Huntsville (Pet Food)

Mobile SPCA – Mobile (Spay/Neuter Assistance)

Spay Alabama – Statewide (Spay/Neuter Assistance)

Macon County Humane Society – Tuskegee (Spay/Neuter Assistance)

Alaska SPCA – Anchorage (Spay/Neuter and Vaccination Assistance)

Friends of Pets – Anchorage (Spay/Neuter Assistance)

STOP the Overpopulation of Pets Inc – Anchorage (Spay/Neuter Assistance)

Gastineau Humane Society – Juneau (Spay/Neuter Assistance)

Loving Companions Animal Rescue – North Pole (Spay/Neuter Assistance)

Friends of the Valdez Animal Shelter – Valdez (Spay/Neuter Assistance)

Alaska Dog and Puppy Rescue – Wasilla (Spay/Neuter Assistance)

Animal Guardian Network – Cave Creek (Pet Food)

Western Arizona Humane Society – Lake Havasu City (Pet Food, Spay/Neuter Assistance)

Lost Our Home Pet Foundation – Scottsdale (Pet Food, Temporary Foster Program)

Payson Humane Society – Payson (Spay/Neuter Assistance)

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Bella Vista Animal Shelter – Bella Vista (Spay/Neuter Assistance – Contact BVAS for Additional Services)

Humane Society of Saline County – Benton (Spay/Neuter and Vaccination Assistance)

Northeast Arkansas for Animals (NAFA) – Jonesboro (Pet Food, Vaccination Assistance)

Out Of The Woods Rescue and Referral – Little Rock (Pet Food, Spay/Neuter Assistance, Temporary Foster Program, Assistance for Necessary Veterinary Medical Care)

All About Labs (Temporary Housing/Foster for dogs and cats, not just labs; pet food; spay/neuter, vaccinations, heartworm prevention and flea/tick treatments).

For Pets’ Sake Best Friends Program – Springdale NW Arkansas (Mircochpping, Best Friends Senior Program Includes Pet Food, Assistance for Veterinary Care, Transportation to Veterinarian and Groomer, Temporary Foster Program if Hospitalized for Seniors in Northwest Arkansas)

Helping Persian Cats – Beverly Hills (Temporary Foster Program)

SEAACA – Downey (Veterinary Medical Care Assistance, Spay/Neuter, Vaccination Assistance)

Sequoia Humane Society – Eureka (Spay/Neuter Assistance)

Friends of Long Beach Animals – Long Beach (Spay/Neuter Assistance)

LA Animal Services – Los Angeles (Spay/Neuter, Vaccination and Microchip Assistance)

The Sam Simon Foundation – Los Angeles (Spay/Neuter and Vaccination Assistance)

PAWS/LA – Hollywood (Pet Food and Supplies, Veterinary Medical Care Assistance, Grooming, Spay/Neuter, and other services)

SPCA for Monterey County – Monterey (Pet Food, Spay/Neuter & Vaccination Assistance)

Napa Humane – Napa (Spay/Neuter Assistance)

Actors and Others for Animals – North Hollywood (Pet Food, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

Marin Humane Society – Novato (Pet care assistance to low-income seniors, persons living with HIV/AIDS and those receiving hospice services; Please see web site for complete list of services)

North County Humane Society and SPCA – Oceanside (Pet Food, Spay/Neuter and Vaccination Assistance – Contact NCHS for additional services)

Mercy Crusade’s Spay and Neuter Clinic – Oxnard (Spay/Neuter and Vaccination Assistance)

Palo Alto Humane Society – Palo Alto (Spay/Neuter Assistance, Assistance for Emergency Veterinary Care)

Pasadena Humane Society – Pasadena (Spay/Neuter Assistance)

Riverside County Department of Animal Services – Riverside (Spay/Neuter Assistance)

Sacramento SPCA – Sacramento (Pet Food, Spay/Neuter Assistance)

Humane Society of San Bernardino Valley – San Bernardino (Low-cost Spay/Neuter)

Pets Are Wonderful Support (PAWS) – San Diego (Pet Food/Litter, Pet Supplies, Veterinary Assistance, Animal Transport, Temporary Foster Program)

Pet Assistance Foundation – San Diego (Spay/Neuter Assistance for Dogs, Cats, and Rabbits)

Bad Rap – San Francisco (Pit bull Specific Assistance for Finding Rental Housing and Insurance)

VET SOS – San Francisco (Free Veterinary Care and Supplies for Pets of the Homeless)

Santa Cruz SPCA – Santa Cruz (Pet Food, Spay/Neuter Assistance)

Helen Woodward Animal Center – Santa Fe (Pet Food)

Cats in Need (of Human Care) – Southern California (multiple locations) (Spay/Neuter Assistance)

Spay Neuter Animal Network (SPAN) – Ventura (Spay/Neuter Assistance)

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Dreampower Animal Rescue – Colorado Springs (Temporary Foster Program)

Pikes Peak Pet Pantry – Colorado Springs (Pet Food/Litter, Pet Supplies, Pet Prescription Diet Assistance, and Grooming Assistance)

For Pets’ Sake Humane Society – Cortez (Assistance for Emergency Veterinary Care, Spay/Neuter & Vaccination Assistance)

Good Samaritan Pet Center – Denver (Spay/Neuter Assistance)

Every Creature Counts – Fort Lupton (Spay/Neuter Assistance)

Harrison Memorial Animal Hospital – Denver (Assistance with Veterinary Care Including Spay/Neuter)

Cat Care Society – Lakewood (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

Montrose Animal Protection Agency – Montrose (Spay/Neuter Assistance)

Humane Society of Pagosa Springs – Pagosa Springs (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

Milford Animal Control – Milford (Pet Food Bank)

Connecticut Humane Society – Newington (Assistance for Necessary Veterinary Medical Care Including Spay/Neuter and Vaccination Assistance)

Delaware Humane Association – Wilmington (Pet Food/Supplies, Assistance for Necessary Veterinary Medical Care)

Faithful Friends, Inc – Wilmington (Pet Food and Supplies, Spay/Neuter Assistance)

District of Columbia
Capital Animal Care Mobile Spay/Neuter Clinic – Washington (Pet Food, Supplies and Spay/Neuter Assistance)

Washington Animal Rescue League – Washington (Pet Food and Supplies, Discounted Veterinary Care Including Spay/Neuter and Vaccination Assistance)

Washington Humane Society – Washington (Spay/Neuter Assistance)

Humane Society of Broward County – Ft. Lauderdale (Low-cost Spay/Neuter)

St. Francis Animal Hospital – Jacksonville (Assistance for Veterinary Care Including Spay/Neuter)

SPCA of Central Florida – Orlando (Pet Food, Spay/Neuter Assistance, Temporary Foster Program, Discounted Veterinary Care)

Spay Shuttle – Palm Beach County (Spay/Neuter Assistance)

Humanitarian Animal Relief Program (HARP) – Port Orange (Pet Food & Supplies, Assistance for Necessary Veterinary Medical Care)
386-795-7323 http://www.harpforpets.com/

Pasco Animal Welfare Society (PAWS) – Port Richey (Spay/Neuter Assistance)

Animal Coalition of Tampa (ACT) – Tampa (Spay/Neuter and Vaccination Assistance)

Humane Society of Tampa Bay – Tampa Bay (Pet Food, Discounted/Free Vaccinations)

SPCA Tampa Bay – Tampa Bay (Spay/Neuter Assistance)

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Cherokee County Humane Society – Acworth (Spay/Neuter Assistance)

LifeLine Animal Project – Atlanta (Spay/Neuter Assistance)

PAWS Atlanta – Atlanta (Spay/Neuter Assistance)

Project CatSnip – Atlanta (Spay/Neuter Assistance)

Stopping Pet Overpopulation Together (SPOT) – Atlanta (Spay/Neuter Assistance)

Humane Society of Hall County – Gainesville (Spay/Neuter Assistance)

Daffy’s Pet Soup Kitchen – Lilburn (Pet Food and Supplies, Spay/Neuter Assistance, Temporary Foster Program, Assistance for Necessary Veterinary Medical Care)

Spay And Neuter Team of Atlanta (SANTA) – Marietta (Spay/Neuter and Vaccination Assistance)

Pet Assistance League of Savannah (PALS) – Savannah (Spay/Neuter Assistance)

Spay Georgia – Statewide (Spay/Neuter Assistance)

Carroll County Humane Society’s West Georgia Spay/Neuter Clinic – Villa Rica (Spay/Neuter Assistance)

Hawaiian Humane Society – Honolulu (Spay/Neuter Assistance, Temporary Foster Program)

Hawaii Island Humane Society – Kailua-Kona, Kamuela & Keaau (Spay/Neuter Assistance)

The Neuter Scooter – Multiple Locations (Spay/Neuter Assistance for Cats)

Idaho Humane Society – Boise (Pet Food)

Lewis Clark Animal Shelter – Lewiston (Spay/Neuter & Microchip Assistance)

Humane Society of the Palouse – Moscow (Pet Food, Spay/Neuter Assistance)

Humane Society of Southern Illinois – Carbondale (Spay/Neuter Assistance)

Catsnap – Champaign County (Spay/Neuter Assistance)

PAWS Chicago – Chicago (Spay/Neuter Assistance)

The Anti-Cruelty Society – Chicago (Assistance with Veterinary Care Including Spay/Neuter)

Tree House Animal Foundation – Chicago (Pet Food, Spay/Neuter Assistance)

The Animal Welfare League – Chicago Ridge (Pet Food, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

South Suburban Humane Society – Glenwood (Spay/Neuter Assistance)

Quad City Animal Welfare Center – Milan (Assistance for General Veterinary Care, Including Vaccinations and Spay/Neuter)

Better Pets Clinic – Moline (Spay/Neuter Assistance)

National Animal Welfare Society – Mokina (Assistance for General Veterinary Care, Including Vaccinations and Spay/Neuter)

B.C. Dog Training Club – Mundelein (Pet Food)

Humane Society of Central Illinois – Normal (Spay/Neuter Assistance)

Animal Care League – Oak Park (Assistance for Veterinary Care Including Vaccinations, Microchipping and Spay/Neuter)

Blessed Bonds – Palos Park (Temporary Foster Program)

The Quincy Humane Society – Quincy (Spay/Neuter and Vaccination Assistance)

PAWS Humane Society – Rockford (Spay/Neuter Assistance)

Anderson Animal Shelter – South Elgin (Spay/Neuter and Vaccination Assistance)

Animal Protective League – Springfield (Spay/Neuter Assistance)

DuPage County Animal Care and Control – Wheaton (Spay/Neuter and Microchipping Assistance)

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City of Bloomington Animal Shelter – Bloomington (Pet Food)

The Monroe County Humane Association – Bloomington (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care, Discount Vaccinations and Microchips)

Vanderburgh Humane Society – Evansville (Pet Food)

Humane Society of Northwest Indiana – Gary (Spay/Neuter Assistance)

Partners for Animal Welfare Society, Inc. (P.A.W.S.) – Greenfield (Pet Food, Spay/Neuter Assistance)

Spay Neuter Indiana Pets, Inc. – Greenwood (Spay/Neuter Assistance)

FACE Low-Cost Spay/Neuter Clinic – Indianapolis (Spay/Neuter, Vaccination and Microchip Assistance)

The Neuter Scooter – Multiple Locations (Spay/Neuter Assistance for Cats)

Hamilton County Low Cost Clinic – Noblesville (Spay/Neuter and Vaccination Assistance)

Kokomo Humane Society – Kokomo (Pet Food Bank)

Paws N Purrs with IMPACT – Mishawaka (Spay/Neuter Assistance)

Spay Neuter Indiana Pets, Inc – Multiple Locations (Spay/Neuter Assistance)

Brown County Humane Society – Nashville (Pet Food, Spay/Neuter Assistance)

Southwest Iowa Humane Society – Clarinda (Spay/Neuter Assistance)

Stephen Memorial Animal Shelter – Oskaloosa (Pet Food, Spay/Neuter Assistance)

Humane Society of Greater Kansas City – Kansas City (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

No More Homeless Pets KC – Kansas City (Spay/Neuter Assistance)

The Pet Connection – Mission (Assistance for Necessary Veterinary Medical Care Including Spay/Neuter)

Pet Assistance Network of Topeka – Topeka (Temporary Foster Program)

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Humane Society of Nelson County – Bardstown (Spay/Neuter Assistance)

Bowling Green Warren County Humane Society – Bowling Green (Spay/Neuter, Vaccination and Microchip Assistance)

Friends of the Shelter (Simpson County Animal Shelter) – Franklin (Spay/Neuter Assistance)

Glasgow Barren Animal Shelter – Glasgow (Spay/Neuter Assistance)

Scott County Humane Society – Georgetown (Spay/Neuter Assistance)

Mercer Humane Society – Harrodsburg (Spay/Neuter Assistance)

Safe Harboar Farm (pigs only) – Knob Lick (Spay/Neuter, Assistance for Necessary Veterinary Medical Care)

Humane Society of Oldham County – LaGrange (Spay/Neuter Assistance)

Anderson Humane Society – Lawrenceburg (Spay/Neuter Assistance)

Holly’s Place – Lawrenceburg (Spay/Neuter Assistance)

Woodstock Animal Foundation – Lexington (Spay/Neuter Assistance)

Kentucky Humane Society – Louisville (Spay/Neuter Assistance)

Friends of the Shelter – Middleboro (Spay/Neuter Assistance)

Hope for Pets – Mt. Washington (Pet Food Assistance, Assistance with Veterinary Expenses for Senior Citizens with Senior Pets)

Humane Society Animal League for Life – Richmond (Spay/Neuter Assistance)

Animal Refuge Center – Vine Grove (Spay/Neuter Assistance)

St. Martin Humane Society – Breaux Bridge (Spay/Neuter Assistance)

Lafayette Animal Aid – Carencro (Spay/Neuter Assistance)

Louisiana SPCA – New Orleans (Spay/Neuter Assistance)

York County Shelter Programs – Alfred (Pet Food)

Furry Friends Food Bank – Bangor (Pet Food)

Bar Harbor Food Pantry – Bar Harbor (Pet Food)

Catholic Charities of Maine – Caribou (Pet Food/Litter)

Lincoln County Animal Shelter – Edgecomb (Pet Food)

Paws for a Cause – Fairfield (Pet Food)
Victor Grange at the junction of Rtes. 104 and 23 in Fairfield Center, 207-465-7906 or 207-249-9441

Houlton Humane Society – Houlton (Pet Food, Spay/Neuter Assistance)

Greater Androscoggin Humane Society – Lewiston (Spay/Neuter Assistance)

Ludlow Food Pantry – Ludlow (Pet Food)

Camp Bow Wow – Portland (Pet Food)

Maine Low Cost Spay/Neuter Program – Statewide (Spay/Neuter)

Sullivan Animal Food Eatery – Sullivan (Pet Food)
1888 Route 1, 207-422-6282

SPCA of Hancock County – Trenton (Spay/Neuter Assistance)

The Animal Welfare Society – West Kennebunk (Spay/Neuter Assistance)

Animal Refuge League – Westbrook (Pet Food, Spay/Neuter and Vaccination Assistance)

Animal Advocates of Howard County – Ellicott City (Spay/Neuter Assistance)

Spay Now Inc. – Graysonville (Spay/Neuter & Vaccination Assistance)

Caroline County Humane Society – Ridgely (Pet Food, Spay/Neuter Assistance)

Talbot Humane Society – Easton (Pet Food, Spay/Neuter Assistance)

Frederick County Humane Society – Frederick (Pet Food, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

Montgomery County Humane Society – Rockville (Spay/Neuter Assistance)

Humane Society of Charles County – Waldorf (Spay/Neuter Assistance)

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Alliance for Animals – Boston (Spay/Neuter and Veterinary Medical Care Assistance)

Dakin Pioneer Valley Humane Society – Leverett and Greenfield (Pet Food, Spay/Neuter Assistance, Temporary Foster Program)

The Zimmer Foundation / For the Love of Cats – Ann Arbor (Spay/Neuter Assistance)

Humane Society of Huron Valley – Ann Arbor (Pet Food/Litter, Spay/Neuter and Vaccination Assistance)

The Oakland Pet Adoption Center – Auburn Hills (Spay/Neuter Assistance)

Humane Society of South Central Michigan – Battle Creek (Spay/Neuter Assistance)

Humane Society of Genesee County – Burton (Spay/Neuter Assistance)

All About Animals Rescue – Eastpointe (Spay/Neuter Assistance)

Adopt-A-Pet – Fenton (Spay/Neuter Assistance)

Little Traverse Bay Humane Society – Harbor Springs (Spay/Neuter Assistance)

Cascades Humane Society – Jackson (Pet Food, Spay/Neuter Assistance)

Kalamazoo Humane Society – Kalamazoo (Pet Food and Spay/Neuter Assistance)

C-SNIP – Kentwood (Spay/Neuter Assistance)

Michigan Humane Society – Multiple Locations (Spay/Neuter Assistance)

Southborough Pet Food Pantry – Southborough (Pet Food)

K9 Resque – St. Claire (Pet Food)

Animal Lovers, Inc. – Three Oaks (Spay/Neuter Assistance)

Stop the Overpopulation of Pets (STOP) – Weymouth (Spay/Neuter Assistance)

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Hiawatha Animal Humane Society – Lake City (Pet Food, Spay/Neuter Assistance, Veterinary Medical Care Assistance)

Camp Companion – Rochester (Spay/Neuter Assistance)

Minnesota Spay Neuter Project, Inc – Minneapolis (Spay/Neuter Assistance)

Northeast Community Lutheran Church – Minneapolis (Pet Food)

Pet Haven – Minneapolis (Spay/Neuter Assistance)

Tri-County Humane Society – St. Cloud (Spay/Neuter and Vaccination Assistance)

Humane Society of South Mississippi – Gulfport (Pet Food, Spay/Neuter Assistance, Other Necessary Supplies Including Training Advice)

Mississippi Spay & Neuter – Pearl (Spay/Neuter Assistance)

Summit – Grace’s Fund – Summit (Spay/Neuter Assistance)

Humane Society of Southeast Missouri – Camp Girardeau (Spay/Neuter Assistance)

Spay Neuter Assistance Program (SNAP) – Christian, Dallas, Greene, Lawrence, Polk and Webster Counties (Spay/Neuter Assistance)

Central Missouri Humane Society – Columbia (Spay/Neuter Assistance)

St. Charles County Humane Services – Cottleville (Spay/Neuter and Heartworm Preventative Assistance)

Spay Neuter Kansas City – Kansas City (Pet Food and Supplies, Spay/Neuter Assistance)

PAWS Inc – Raytown (Spay/Neuter Assistance)

Humane Society of Missouri – St. Louis (Assistance with Veterinary Care Including Spay/Neuter)

Operation SPOT – St. Louis (Spay/Neuter Assistance)

Pound Pals Nooterville – St. Louis (Spay/Neuter Assistance)

St. Louis Pet Clinic on Grand – St. Louis (Spay/Neuter Assistance)

Stray Rescue of St. Louis – St. Louis (Spay/Neuter Assistance)

Humane Society of Western Montana – Missoula (Pet Food)

Beartooth Humane Alliance – Red Lodge (Spay/Neuter Assistance)

Rimrock Humane Society – Roundup (Spay/Neuter Assistance)

Kootenai Pets for Life – Troy/Libby (Pet Food & Supplies, Assistance for Necessary Veterinary Medical Care, Spay/Neuter Assistance, Temporary Foster Program)

Cat Spay/Neuter Connection – Omaha (Spay/Neuter Assistance)

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Maddie’s Spay-Neuter Project in Nevada – Washoe, Carson City, Douglas, Lyon, Churchill and Elko Counties (Spay/Neuter Assistance)

Nevada Humane Society – Reno (Spay/Neuter and Vaccination Assistance)

New Hampshire
Cocheco Valley Humane Society – Dover (Pet Food, Temporary Foster Program)

New Hampshire Humane Society – Laconia (Spay/Neuter Assistance)

Concord-Merrimack County SPCA – Penacook (Assistance for Necessary Veterinary Medical Care)

New Jersey
Humane Society of Atlantic – Atlantic City (Spay/Neuter and Vaccination Assistance)

Animal Alliance – Belle Mead (Pet Food and Supplies, Spay/Neuter and Vaccination Assistance)

A Purrfect World – Bloomfield (Temporary Foster Program)

Oakland Animal Hospital – Oakland (Pet Food)

Friends of Randolph Animal Pound (All Our Orphans) – Randolph (Spay/Neuter Assistance)

New Mexico
Animal Humane Association of New Mexico – Albuquerque (Spay/Neuter, Vaccination and Other Necessary Veterinary Medical Care)

Santa Fe Animal Shelter – Santa Fe (Spay/Neuter and Vaccination Assistance)

New York
Safety Net – Brooklyn, Bronx, Manhattan, Queens, Staten Island (Assistance for Veterinary Medical Care, Pet Training Assistance, Pet-Related Legal Aid, Pet Allergy Testing Assistance, Temporary Foster Program)

Buffalo Can Pet Food Pantry – Buffalo (Pet food starting Jan. 12)
37 Chandler St, 716-983-0583

Lollypop Farm, The Humane Society of Greater Rochester – Fairport (Pet Food for Senior Citizens, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

The Animal Lovers League – Glen Cove (Temporary Foster Program)

Operation Pets: The Spay/Neuter Clinic of Western New York – (Low-cost Spay/Neuter)

All About Labs (Temporary housing/foster for dogs and cats, not just labs; pet food; spay/neuter, vaccinations, heartworm prevention and flea/tick treatments).

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North Carolina
Humane Alliance – Asheville (Spay/Neuter)

Watauga Humane Society – Boone (Spay/Neuter and Microchip Assistance)

Animal Protection Society of Durham – Durham (Pet food assistance)

Community Partnership for Pets – Flat Rock (Pet Food, Spay/Neuter Assistance)

Wayne County Humane Society – Goldsboro (Spay/Neuter Assistance)

Madison County Animal Shelter – Marshall (Spay/Neuter Assistance)

POP – NC – Multiple Locations (Spay/Neuter Assistance)

AnimalKind – Raleigh (Spay/Neuter Assistance)

SPCA of Wake County – Raleigh (Pet Food, Spay/Neuter Assistance)

SNAP-NC – Statewide (Spay/Neuter Assistance)

Animal Compassion Network – Skyland (Pet Food, Spay/Neuter Assistance)

Forsyth County Animal Control – Winston-Salem (Forsyth County) (Pet Food Assistance)

Forsyth Humane Society – Winston-Salem (Spay/Neuter and Vaccination Assistance)

Angels for Animals – Canfield (Pet Food, Spay/Neuter Assistance)

The Society for the Improvement of Conditions for Stray Animals (SICSA) – Kettering (Spay/Neuter Assistance, Temporary Foster Program)

Stop the Overpopulation of Pets – Mansfield (Spay/Neuter Assistance)

Humane Ohio – Toledo (Spay/Neuter Assistance)

Paws with Pride – Uniontown (Temporary Foster Program)

The Neuter Scooter – Multiple Locations (Spay/Neuter Assistance for Cats)

Washington County SPCA – Bartlesville (Spay/Neuter Assistance)

PAWS Inc. – Bristow (Spay/Neuter Assistance)

Animal Rescue and Care of McCurtain County – Broken Bow (Spay/Neuter Assistance)

Homeward Bound Humane Society – Durant (Spay/Neuter Assistance)

Humane Society of Grove and Grand Lake – Grove (Spay/Neuter Assistance)

Animal Birth Control Clinic – Lawton (Spay/Neuter, Vaccination, Microchip Assistance and Other Basic Veterinary Services)

Best Friends of Pets – Multiple Locations (Spay/Neuter Assistance)

Second Chance Clinic – Norman (Spay/Neuter Assistance)

Volunteers for Animal Welfare – Oklahoma City (Spay/Neuter Assistance)

Poteau Valley Humane Society – Poteau (Spay/Neuter Assistance)

Humane Society of Tulsa – Tulsa (Spay/Neuter Assistance)

Pet Assistance & Welfare Society – Tulsa (Spay/Neuter Assistance)

Spay Oklahoma – Tulsa (Spay/Neuter Assistance)

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Humane Society of Central Oregon – Bend (Spay/Neuter Assistance, Contact HSCO for Additional Services)

City of Eugene Spay/Neuter Clinic – Eugene (Spay/Neuter, Vaccination and Microchip Assistance)

Lane County Animal Services – Eugene (Spay/Neuter Assistance)

Pro-Bone-O – Eugene (Free Pet Food, Supplies and Veterinary Care for Pets of the Homeless)

Willamette Animal Guild (WAG) – Eugene (Spay/Neuter Assistance)

Oregon Outback Humane Society – Lakeview (Pet Food, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

The Neuter Scooter – Multiple Locations (Spay/Neuter Assistance for Cats)

Cat Adoption Team – Sherwood (Cat Food Assistance)

Pet Over-Population Prevention Advocates (POPPA) – Statewide (Spay/Neuter Assistance and Referral)

Willamette Humane Society – Salem (Pet Food, Spay/Neuter Assistance)

City of Veneta – Veneta (Spay/Neuter Assistance)

Washington Area Humane Society – Eighty Four (Spay/Neuter and Vaccination Assistance, Assistance for Necessary Veterinary Medical Care)

Humane Society of Westmoreland County – Greenberg (Spay/Neuter and Vaccination Assistance)

The Humane Society of Harrisburg Area – Harrisburg (Pet Food)

Action for Animals Humane Society – Latrobe (Spay/Neuter Assistance)

Animal Friends – Pittsburgh (Pet Food, Spay/Neuter Assistance)

Western Pennsylvania Humane Society – Pittsburgh (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

Wilkes Barre Animal Hospital – Wilkes Barre (Spay/Neuter Assistance for Cats)

Rhode Island
Humane Association of Northwestern Rhode Island – Pascoag (Spay/Neuter Assistance)

Providence Animal Rescue League – Providence (Spay/Neuter Assistance)

Volunteer Services for Animals – Providence (Spay/Neuter Assistance)

Rhode Island Veterinary Medical Association – Statewide (Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

South Carolina
Humane Society for the Prevention of Cruelty to Animals – Columbia (Pet Food, Spay/Neuter Assistance)

Humane Society of Putnam County – Cookeville (Spay/Neuter Assistance)

Shepherd’s Green Sanctuary (pigs only) – Cookeville (Contact Shepherd’s Green for List of Services)

Young – Williams Animal Center – Knoxville (Pet Food, Spay/Neuter and Vaccination Assistance)

Nashville Humane Association – Nashville (Pet Food, Spay/Neuter and Vaccination Assistance)

Fayette County Animal Rescue – Rossville (Pet Food and Supplies, Assistance for Necessary Veterinary Medical Care)

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Animal Trustees of Austin – Austin (Assistance for Necessary Veterinary Medical Care, Spay/Neuter, and Heartworm Treatment)

EmanciPet – Austin (Spay/Neuter Assistance)

Pet Food Bank of Austin & Travis County – Austin (Pet Food)

Arlington Humane Society – Arlington (Spay/Neuter and Vaccination Assistance)

Texas Coalition for Animal Protection – Azle, Cleburne, Denton, Fort Worth, Hamilton, Hillsboro, and McKinney (Spay/Neuter and Vaccination Assistance)

Canyon Lake Animal Shelter Society (CLASS) – Canyon Lake (Pet Food, Spay/Neuter and Vaccination Assistance)

Pet Pals of Texas – Converse (Pet Food, Supplies and General Pet Care Assistance for Elderly or Disabled Residents)

Kaufman County Animal Awareness Project – Crandall (Assistance for Veterinary Care Including Vaccinations, Microchipping and Spay/Neuter)

Dallas Animal Services – Dallas (Spay/Neuter Assistance)

Metroplex Animal Coalition – Dallas (Spay/Neuter Assistance)

Spay Neuter Your Pet (SNYP) – Dallas-Fort Worth (Spay/Neuter Assistance)

SPCA of Texas – Dallas (Pet Food, Assistance for Veterinary Care Including Vaccinations, Microchipping and Spay/Neuter)

San Antonio Doberman Advocacy and Rescue – Devine (Temporary Foster Care and Other Services on Case by Case Basis)

Cause for Paws – Greenville (Spay/Neuter, Medication and Vaccination Assistance)

Helotes Humane Society – Helotes (Pet Food)

Houston Humane Society – Houston (Spay/Neuter Assistance)

SPCA of Polk County – Livingston (Pet Food, Spay/Neuter Assistance)

Spay-Neuter Assistance Program (SNAP) – Multiple Locations (Spay/Neuter Assistance)

Pet Prevent A Litter (PALS) of Central Texas – San Marcos (Pet Food and Litter, Spay/Neuter Assistance)

Spay/Texas – Statewide (Spay/Neuter Assistance)

Animal Birth Control Clinic – Waco (Spay/Neuter and Vaccination Assistance)

The Humane Society of Moab Valley – Moab (Spay/Neuter)

Humane Society of Utah – Murray (Spay/Neuter and Vaccination Assistance)

Vermont Spay Neuter Incentive Program – Bridgewater (Spay/Neuter Assistance)

Frontier Animal Society – Orleans (Spay/Neuter Assistance)

Second Chance Animal Center – Shaftsbury (Spay/Neuter Assistance)

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Animal Welfare League of Alexandria – Alexandria (Spay/Neuter Assistance)

Animal Welfare League of Arlington – Arlington (Spay/Neuter, Vaccination and Microchip Assistance, Assistance for Emergency Veterinary Care)

Bedford Humane Society – Bedford (Spay/Neuter Assistance)

The Holly Help Memorial Spay Fund – Bristol (Pet Food, Spay/Neuter Assistance)

Charlottesville-Albemarle SPCA – Charlottesville (Spay/Neuter Assistance for owned pets and feral cats)

Voices for Animals – Charlottesville (Pet Food, Spay/Neuter and Vaccination Assistance)

Humane Society of Culpeper – Culpeper (Spay/Neuter Assistance)

South Central Spay/Neuter Clinic – Evington (Spay/Neuter Assistance)

Humane Society of Fairfax County – Fairfax (Pet Food)

Partners Among Cats and Canines – Franklin (Spay/Neuter Assistance, Assistance for Emergency Veterinary Care)

Shenandoah Valley Spay & Neuter Clinic – Harrisonburg (Spay/Neuter Assistance)

SPCA of Martinsville and Henry County – Martinsville (Spay/Neuter Assistance)

Capital Animal Care Mobile Spay/Neuter Clinic – Northern Virginia (Pet Food, Supplies and Spay/Neuter Assistance)

Spay Inc – Northern Virginia (Spay/Neuter Assistance)

Humane Society of Loudoun County – Purcellville (Spay/Neuter Assistance)

Richmond Neuter Project – Richmond (Spay/Neuter, License and Rabies Vaccination Assistance for Pit Bulls and Pit Bull mixes)

Richmond SPCA – Richmond (Spay/Neuter Assistance)

Angels of Assisi – Roanoke (Spay/Neuter Assistance)

Franklin County Humane Society – Rocky Mount (Spay/Neuter Assistance)

Roanoke Valley SPCA – Roanoke (Pet Food)

Virginia Beach SPCA – Virginia Beach (Pet Food, Assistance for Necessary Veterinary Medical Care)

Fauquier SPCA – Warrenton (Spay/Neuter Assistance)

Humane Society for Seattle/King County – Bellevue (Low-Income Senior Citizens Pet Food Assistance, Discounted Spay/Neuter and Microchipping, Pet Project Assistance for Individuals Disabled by AIDS)

Whatcom Humane Society – Bellingham (Pet Food, Spay/Neuter Assistance)

Progressive Animal Welfare Society (PAWS) – Lynnwood (Spay/Neuter, Microchip and Vaccination Assistance, Behavior Helpline)

Forget Me Not Animal Shelter – Republic (Spay/Neuter Assistance)

Spokane Valley Regional Animal Protection Service – Spokane Valley (Spay/Neuter)

N.O.A.H. Animal Adoption & Spay/Neuter Center – Stanwood (Low-Income Spay/Neuter Assistance; Feral cat Spay/Neuter Assistance)

Coalition Humane – Tacoma (Spay/Neuter Assistance for owned pets and feral cats)

West Virginia
The National Humane Education Society – Charles Town (Spay/Neuter Assistance)

Promise Animal League – Falling Waters (Pet Food)

Monroe County Animal League, Inc. – Union (Spay/Neuter Assistance)

Fox Valley Humane Society – Appleton (Temporary Boarding Program)

Eau Claire County Humane Association – Eau Claire (Pet Food, Spay/Neuter Assistance, Assistance for Necessary Veterinary Medical Care)

The Dodge County Humane Society – Juneau (Pet Food, Spay/Neuter Assistance, Temporary Foster Program)

Wisconsin Humane Society – Milwaukee (Pet Food, Spay/Neuter Assistance)

Black Dog Animal Rescue – Cheyenne (Pet Food)

Updated March 11, 2009

Renting With Pets: The Online Resource for Rental Managers and Pet Owners

What You Can Do If You Are Having Trouble Affording Veterinary Care

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Under the Federal Housing rules, a no-pets policy is overruled for people whose doctors prescribe them an Emotional Support Animal: Landlord cannot refuse to rent to person with companion animal
Fair Housing Amendments Act of 1988 [FN 4]

…..The Act’s prohibitions against discrimination in housing against a person with disabilities is of most importance to the issue of companion animals in housing.

The Act may be used to prohibit a person from refusing to sell or rent to a person who needs a companion animal in his or her home for reasons of mental or physical health. …..The provision prohibiting discrimination against persons with disabilities may give broader rights for tenants to live with companion animals than may be immediately apparent.

….the landlord must make a reasonable accommodation for that disability, including permitting the tenant to live with a companion animal as an “assistive” animal. While guide dogs, hearing assistive dogs and other specially trained companions are clearly assistive animals, animals who provide other physical assistance or emotional support are also considered assistive animals. Such animals do not have to have received special training….

The Act may be used to prohibit a person from refusing to sell or rent to a person who needs a companion animal in his or her home for reasons of mental or physical health..

(It could be as easy as getting a note from your doctor stating the separation would affect your health – mentally or physically)



Service animals as a reasonable accommodation

One of the areas of disability discrimination that generates many calls to the HUD office is the subject of service animals for persons with disabilities. Housing providers who have “no pets” policies must make a reasonable accommodation to a person with disabilities whose physician has determined that an animal would be beneficial to the treatment and well being of their patient.

If a tenant with a disability provides the housing provider with a written statement from the tenant’s treating physician stating that the tenant is under his/her care, and the tenant’s mental or physical condition would benefit from having a service animal, the housing provider must allow such animal.

The housing provider may not charge a pet fee, if you feel you are subject to, animal housing discrimination against persons with disabilities, you may contact Carole Boster in the West Virginia HUD office at 304-347-5216, 504 Capitol Street, Suite 708, Charleston, WV 25301.

http://www.qando.net/comments.aspx?Entry=1212Under the Federal Housing rules, a no-pets policy is overruled for people whose doctors prescribe them an Emotional Support Animal. An ESA is more than just a pet; it is a form of treatment for certain types of patients. And it works. Research and trials prove this.

This is not about the doctors “believing” it will work; they know it will be a help, which is why they prescribed the ESA to this woman. ESAs are important to the health of people with physical and mental illnesses. Although they have no public access rights like service/assistant animals do, they do have the right to live in no-pets housing and to travel in the cabin of an airplane and they do help their owners.

Service/assistant animals, which are animals that are trained to do tasks to help their physically or mentally disabled owners, have the right to live in no-pets housing, to travel in the cabin of an airplane, and to go to public places (including restaurants and grocery stores and other types of stores) with their owner.

Remember, in the case of ESAs and S/AAs, the right is not granted to the animal but to the owner of the animal. The animal has no rights; it is the disabled owner who has the right to have their animal with them, just like people have the right to have their wheelchair with them.

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Delay or STOP your foreclosure with one simple question

Homeowners’ rallying cry: Produce the note

Some Banks Can’t Foreclose, Unable to Find Loan Documents.


By MITCH STACY – Feb 17, 2009

ZEPHYRHILLS, Fla. (AP) — Kathy Lovelace lost her job and was about to lose her house, too. But then she made a seemingly simple request of the bank: Show me the original mortgage paperwork.

And just like that, the foreclosure proceedings came to a standstill.

Lovelace and other homeowners around the country are managing to stave off foreclosure by employing a strategy that goes to the heart of the whole nationwide mess.

During the real estate frenzy of the past decade, mortgages were sold and resold, bundled into securities and peddled to investors. In many cases, the original note signed by the homeowner was lost, stored away in a distant warehouse or destroyed.

Persuading a judge to compel production of hard-to-find or nonexistent documents can, at the very least, delay foreclosure, buying the homeowner some time and turning up the pressure on the lender to renegotiate the mortgage.

“I’m going to hang on for dear life until they can prove to me it belongs to them,” said Lovelace, a 50-year-old divorced mother who owns a $200,000 home in Zephyrhills, near Tampa. “I’ll try everything I can because it’s all I have left.”

In interviews with The Associated Press, lawyers, homeowners and advocates outlined the produce-the-note strategy. Exactly how many homeowners have employed it is unknown. Nor is it clear how successful it has been; some judges are more sympathetic than others.

More than 2.3 million homeowners faced foreclosure proceedings last year and millions more are in danger of losing their homes. On Wednesday, President Obama will unveil a plan to spend at least $50 billion to help homeowners fend off foreclosure.

Chris Hoyer, a Tampa lawyer whose Consumer Warning Network Web site offers the free court documents Lovelace used to file her request, has played a major role in promoting the produce-the-note strategy.

“We knew early on that the only relief that would ever come to people would be to the people who were in their houses,” Hoyer said. “Nobody was going to fashion any relief for people who have already lost their houses. So your only hope was to hang on any way you could.”

Tom Deutsch, deputy executive director of the American Securitization Forum, a group that represents banks, law firms and investors, dismissed the strategy as merely a stalling tactic, saying homeowners are “making lawyers jump through procedural hoops to delay what’s likely to be inevitable.”

Deutsch said the original note is almost always electronically retained and can eventually be found.

Judges are often willing to accept electronic documentation. And lenders are sometimes allowed to produce other paperwork to establish they are the holder of a loan. Still, assembling such documents to a judge’s satisfaction takes time, which to homeowners is the point.

Lovelace filed her produce-the-note demand last fall after the bank acknowledged that her original mortgage document had been lost or destroyed. Since then, there has been no activity on the foreclosure — no letters from the lender, no court filings.

The law firm handling the foreclosure for the lender refused to comment.

A University of Iowa study last year suggested that companies servicing mortgages are often negligent when it comes to producing the documentation to support foreclosure. In the study of more than 1,700 bankruptcy cases stemming from home foreclosures, the original note was missing more than 40 percent of the time, and other pieces of required documentation also were routinely left out.

The first big success of the produce-the-note movement came in 2007 when a federal judge in Cleveland threw out 14 foreclosures by Deutsche Bank National Trust Co. because the bank failed to produce the original notes.

Michael Silver, a lawyer for two of the families in that case, said at least one eventually lost their home. Still, he considers that a success.

“From the perspective of the person who’s in the home, you may have kept them in the house another 10 or 12 months,” he said. “If I can get a result with economic benefits to a client, then I think I won.”

Democratic Rep. Marcy Kaptur of Ohio endorsed the strategy in a fiery speech on the House floor during debate on the federal bank bailout last month.

“Don’t leave your home,” she said. “Because you know what? When those companies say they have your mortgage, unless you have a lawyer that can put his or her finger on that mortgage, you don’t have that mortgage, and you are going to find they can’t find the paper up there on Wall Street.”

April Charney, head of foreclosure defense for Jacksonville Area Legal Aid in Florida, said the strategy has been so successful for her that she now travels around the country to train other lawyers in how to use it. She said she has gotten cases delayed for years by demanding that lenders produce paperwork they cannot find.

“This is an army of lawyers getting out there to stop foreclosures so we can get to the serious business of creating solutions,” Charney said. “Nothing good is going to happen as long as we continue to bleed homeowners.”

Useful Information for Anyone Facing Foreclosure

By Alex Goldman on February 18, 2009 10:24 AM | Permalink | Comments (0)

If you or your customers are facing foreclosure, make sure that the company demanding your money has proof that it owns your debt.

The AP article from yesterday, Homeowners’ rallying cry: Produce the note, starts with this:

“Kathy Lovelace lost her job and was about to lose her house, too. But then she made a seemingly simple request of the bank: Show me the original mortgage paperwork. And just like that, the foreclosure proceedings came to a standstill.”

Mortgages were issued and then repackaged as securities and often the banks don’t know where the original paperwork is and cannot prove who owns the loan.

This isn’t new information; it’s just a reminder.

Here’s a blog post from almost exactly a year ago:

Some Banks Can’t Foreclose, Unable to Find Loan Documents.

The blogger, Yves Smith, writes, “I have no doubt that the judges are angered by the conduct of the bank in trying to enforce an agreement without being able to prove that they have legitimate standing.”

Sometimes, the paperwork is lost because the mortgage factories went out of business. All too often, these companies saw their business as the creation of stock rather than the supervision of debtors.

But some of the blame has to lie with banks’ cost cutting. Smith wrote — a year ago — “banks have gotten so keen to cut costs that they have simply gotten sloppy. Large transactions used to have procedures in place with a certain amount of double checking to make sure everything, including the forms, were in order. That appears to have gone by the wayside at some firms.”

With the U.S. in recession, it pays to make sure that your bank is playing by the rules.

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Can we help you keep your pet?

Can we help you keep your pet?

CWH Detailed Index

Copyright©1998-2007 wonderpuppy.net

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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As Economy Worsens, Pets Continue to be Impacted

As Economy Worsens, Pets Continue to be Impacted


Posted on 2008 under Furbabies in Need of Help, Just Sad 🙁, News & Updates |

25 Jun

Day by day things continue to get worse; gas prices at an all time unbelievable high, foreclosure rates still climbing, food prices climbing and paychecks and jobs are not even coming close to keeping pace. Many ’summer jobs’ that would normally go to teens are now being snapped up by adults and seniors.

The choice between buying gas and putting food on the table and feeding and caring for pets has put many pet owners in a position where they have to cut back where they can, often affecting their pets first.

Animal shelters across the country are bursting at the seams with abandoned pets and owner surrenders, the common reason being that the family cannot afford the pet any more or that they have to move from a house to an apartment and cannot have their dog or cat. And adoption rates are down.

One shelter worker says of owner surrenders due to foreclosures, “Those are always the heartbreaking ones because they don’t want to get rid of their animals. But they get caught in the crossfire. And the animals end us losing. And the people’s hearts are broken.”

Vet are even reporting that, yes, sick pets are getting care but unless it’s an emergency, things are being put on the back burner. A recent survey showed almost 40% of vets surveyed reported a decrease in their business in the past 6 months and 92% of those attribute it to the poor economy. Requests for discounted vet care in many cities has doubled because people cannot afford the cost of regular vet care.

Veterinarians have noted more pet owners trying to save money on medical treatments by passing up some options, including diagnostic tests.

“Where in the past they’d say: ‘Do anything that it takes,’ they are now being more conscious about what will it take and then making those decisions,” said Dr. Steven Rowell, hospital director of the Cummings School of Veterinary Medicine at Tufts University.

“There are people normally you’d expect to go for preventative care, and they are cutting back on that a little bit,” said Dr. Tricia Bolduc, a veterinarian at Franklin’s Acorn Animal Hospital. “Definitely, they’d come in and decline certain services and, you know, just do the bare minimum.”

Pet food pantries are seeing a huge increase in people coming in for food for their pets because they can no longer afford to feed them but still want to do everything they can to keep them. One organization in Chicago reports a 30-40% increase in the past couple of months. Others report increases from 20-50%, often with lines reaching around the block before their doors are even open.

“In the past, the demographics has been people who are disabled or on disability and senior citizens,” said Santa Cruz SPCA executive director Lisa Carter. “Nowadays, during the pet food program, I see people who are able-bodied and not able to find a job.

Another of the most easily seen immediate impacts of pet care costs has been in the food aisle. The cost of pet food has increased and is forcing some Americans to make tough decisions. When penny pinching occurs, priorities must be established and that sometimes means pets have less nutritious meals or smaller portions.

But in the midst of all of this you are seeing many pet owners forgoing their own care to care for their pets. People taking the food from their own plates to feed their furry family members or skipping their own medication so they can afford to get their pet’s medication. People living in their vehicles with their pets rather than be parted from them because rental properties will not allow pets.

I’ve read comments on stories and comment boards from people that goes from one end of the spectrum to the other. From ‘pets are just luxuries so give up the luxuries’ to ‘my pet is my child and I would never give them up’. Needless to say, I fall more along the lines of pets as children.

To a degree, like many pet owners today, I do anthropomorphize my pets but I do know they are animals and that they are mine. I do believe they have rights; the right to live, to be treated humanely and well, the right to be loved. They are my responsibility until the end and within reason, I would do just about anything to keep them and care for them. I have to admit I have been in the financial situation where it came down to feeding me or my dogs and there’s no question who was fed. To me, when I accepted them into my life, it was a lifelong commitment, not a whim.

I do have to admit though, that I can see things from a perspective where there are families with children. Children must come first and if the family has no other option or alternative, then I can only hope they will be responsible enough to first try to rehome their pet before just surrendering it to a shelter. Give it every chance they can.

I will never accept any excuse for abandoning pets. It’s cruel and heartless and any person who does that is a low life piece of shit!

Yes, times are tough and there doesn’t seem to be a break coming anytime soon. I wish I had some quick or easy answers but as far as I can see, no one does right now. All I can ask is that people be as responsible as they can.

Some Tips

As average costs for a dog tops $1000 a year, there are some tips you can implement to try to ease the strain on the wallet. Not all of them work for everyone but sometimes just employing a few can make the difference.

  • Shop for a vet: Not all animal doctors charge the same. Make a list of your pet’s medical conditions and needs (including shots and other recurring medical expenses) and call around. Consult your local animal shelters for recommendations or look online.
  • Shop for medicine: Many vets mark up medication prices — some by as much as 150 percent to 175 percent. Ask your vet for a written prescription and take it to your pharmacy and check online. Be sure you’re comparing the same medication of the same quantity and dosage.
  • Don’t buy cheap food: This can be a tough one as people see dog food prices rise but put this in the category of preventative care. High quality food will actually reduce vet visits by keeping your pet healthier in the long run. There are also alternatives to expensive commercial food such as home cooking for your pet. You may have to invest a little more time but in the end you may save a lot more than your invest.
  • Do not overfeed: Many owners overfeed their pets. They equate food with love and there are an estimated 30 million obese pets in the US. Overfeeding is both expensive and unhealthy.
  • Confirm vaccination cycles: Not all shots are necessary every year. Talk to your vet to see if a two- or three-year cycle is appropriate.
  • Spaying and neutering: Having your pet fixed is not cruel, and some studies show that it cuts back on some serious medical conditions and expensive behavior modification classes. This will also cut back on unwanted litters of puppies and help to reduce pet overpopulation which will help everyone all around.

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Florida Aid for Pets Helping People and Pets Stay Together

Aid for Pets page:


I am adding to this page frequently. If people will save that page as a favorite on their computers and refresh it each time they pull it up, the info will always be up to date. Hopefully, some of the material will help the people who are in the hurts, but who also want to keep their pets.

Compiled by various pet-loving friends
Organized here by
Patricia Collier, Owner of FloridaPets.net

“Dear God, you have given us care over all living things; protect and bless the animals who give us companionship and delight, make us their true friends and worthy companions.” – Unknown.

Most of us either know someone personally, or know of someone, impacted by today’s jagged economy. People are losing their jobs, families are losing their homes, and for many, it’s getting harder and harder to put food on the table. And…in too many cases, an innocent animal is somewhere in the background, being negatively impacted by all of this and not understanding why. According to The Humane Society of the United States, thousands of family pets are now finding themselves at local pounds and rescues – or worse – simply because their families can no longer afford to take care of them.

Thinking about this was making me crazy. So I decided to do something. I’ve compiled a list of resources for people who are stuggling to keep their pets in spite of the nation’s ecomonic turndown. From low-cost spaying and neutering services to free pet food, I’ve tried to find people and places that can help. And I hope to grow this list, by finding more resources myself and by readers like you letting me know about others. I believe it’s vital for people to be able to keep their pets, especially during times of stress and uncertainty. And it’s vital for pets to be able to keep their homes. I hope this information will help someone through a difficult time. I have added the actual web addresses for people accessing this information from someone who printed it off.

The first thing you should do, if you need help with pet food or medical care, is to contact your local humane society or animal control. Many of them have programs designed to help people afford good care for their pets. We have a good list of Florida humane societies to get you started.

If you do not have a shelter in your area, contact The Humane Society of the United States for suggestions and some great “out of the box” ideas.

Please read this first! You will need to qualify for the programs listed below. Please understand these are not places where you can give your pet away. These resources are to help you keep your pet. Please read or call for their qualifications before applying for assistance.

Pet Food

1. Dogs Well
“Bow Wow Bailout” offering a free bag of dog food to the first “eligible” 10,000 people to apply. See web site for all the details. This offer expires May 15, 2009.

2. Central Florida Animal Pantry
Temporary pet food, supplies, vet care, and other helpful resources for economically-challenged, disabled and elderly people in the Central Florida area.

3. The Pet Project
A Florida non-profit group which helps people with disabling conditions afford pet food and medical care and also offers some hands-on assistance.

4. We All Love Our Pets (WALOP)
This is a Meals on Wheels program to help seniors feed their pets as well as themselves. Contact your local Meals on Wheels or senior center for details. Not all areas offer this service. Some areas we know do have this program include:

*** Citrus County Pet Meals Program. For information, call (352) 527-5975.

5. Feeding Pets of the Homeless
This nonprofit organization reports the following Florida locations as distributors of free food for pets of homeless individuals. Soup kitchens, rescue groups and individuals who need food for pets can go to the following:

Brothers Keeper
2 W. Fort King St.
Ocala, FL 34471
(352) 622-3846

Broward Meals on Wheels
(954) 731-8770

Helping Hands Clinic
(Also provides healthcare to the homeless)
419 NE 1st St.
Gainesville, FL
(352) 372-8523 ext. 17

435 W. 2nd St.
Ocala, FL
(352) 629-8868

Leesburg Food Bank Inc.
1305 Sunshine Ave
Leesburg, FL
(352) 326-5463

Saint Francis House Homeless Shelter & Soup Kitchen
413 South Main St.
Gainesville, FL
(352) 378-9079

The Salvation Army
639 E. University Ave.
Gainesville, FL
(352) 376.1743

6. Humane Society of Tampa Bay
Anyone who needs food for their pet can go to the shelter at 3607 N. Armenia Avenue Tuesday and Wednesday from noon to 7:30 pm, Thursday, Friday & Saturday from 10:00 am to 4:30 pm and Sunday from noon to 4:00 pm., or from the Administration Building from 9:00 am to 5:00 pm, Monday through Friday.

7. Lost Our Home Furry Friends Food Bank
For Phoenix, Arizona residents only. This group can help if you are struggling to afford food for your pet. If you qualify, they can also help with purchases of litter and other items.

8. Daffy’s Pet Soup Kitchen
Offers food, supplies, medical supplies and services, even a temporary foster program. These people have it all together and are promising to help those who want to start similar programs in their areas across the country.

9. Save the Pets Alliance
Florida animal groups working together to provide food & supplies for financially strapped people with pets.

10. Lee County Animal Services
This organization organizes a Community Pet Pantry. Pet guardians who need help are asked to call 239-533-7387.

Housing Issues

1. No Paws Left Behind, Inc.
This non-profit group’s main goal is to keep people and pets together during threats of foreclosure. They provide information about foster care and humane society shelters and they also consider requests for help with pet deposits for those who qualify. This resource is for both people with pets needing help and for people who know of pets needing help.
2. Pet-friendly housing
A few options we’ve found throughout Florida might be an answer if you find yourself needing to seek alternative living arrangements.
3. Have A Heart for Companion Animals, Inc.
This non-profit organization offers pointers for homeowners with pets who might be facing foreclosure.
4. Citizens for Pets in Condos
This non-profit organization is working to find options for people in foreclosure. They believe if people can find more affordable association-run housing where pets are allowed, there is potential to save a lot of companion animals.


1. Publix.
This grocery store offers a free prescription program for one of seven oral antibiotics for both people and pets. When veterinarians prescribe one of the drugs, consumers can take the prescription to Publix where they can get a 14-day free supply of one of seven medications, including Amoxicillin; Cephalexin, generic of Keslex; Penicillin VK; Ciprofloxacin (excluding Ciprofloxacin XR); Ampicillin; Erythromycin (excluding Ery-Tab), and Sulfamethoxazole/Trimethoprim (SMZ-TMP).

2. CVS.
An official from CVS Pharmacy said they have a program where they provide certain antibiotic drugs for people or pets for no charge. Contact your area store for more information.

3. AAA.
If you happen to have membership with the American Automobile Association, they have a Prescription Savings card you can use for yourself and your pet. Just ask your vet to write a prescription you can fill at one of the participating pharmacies in your area.

Low Cost Spaying and Neutering

Why have we included this? Because spaying or neutering helps prevent cancer and other diseases in pets and that in turn helps the humans save money by not having to seek treatment for such afflictions.

1. Resources from all around Florida.

2. Love That Cat
More low cost or free spay and neuter programs in Florida; this one’s only for cats.

More low cost or free spay/neuter resources.

4. First Coast No More Homeless Pets
Various low cost programs for people with pets living in the Northeast Florida area.

General Veterinary Care

1. The Pet Fund
2. Help-A-Pet
For pet guardians with special needs.
3. In Memory Of Magic
4. Angels4Animals
Has programs to help with veterinary expenses, including microchip installation.
5. St. Francis Animal Hospital
A Jacksonville-based veterinary practice that offers care to pet guardians needing financial assistance.
6.South Ocala Animal Clinic
3760 SE Lake Weir Avenue
Ocala, FL 34471
(352) 622-5253
Dr. Kevin Stoothoff, of the South Ocala Animal Clinic, won a grant from Feeding Pets of the Homeless and will work with two area agencies, Brothers Keeper and Interfaith, to offer veterinary care, vaccinations, and food for pets of the homeless population in the Ocala area.
7. Pet Samaritan
Possible assistance for pets of people suffering extreme financial hardship; considered on a case by case basis.

Sick or Injured Care

1. Frankie’s Friends Charitable Foundation
The brainchild of Florida Veterinary Specialists in Tampa, this fund assists financially-challenged (and qualified) people with animals in need of specialized care, such as cancer. The fund also provides charitable care for injured wildlife.
2. Cody’s Club
This group provides funds to help offset cost of radiation treatment and a support hotline for people with dogs with cancer.
3. AAHA Helping Pets
The benevolent arm of the American Animal Hospital Association.
4. Feline Veterinary Emergency Assistance Programs
Financial assistance for people in need with cats in need.
5. There are several groups that provide financial assistance for specific breeds and/or diseases. The list is pretty extensive, so if you have a particular need, please contact me for more information.

Life-Threatening Emergency Care Only

1. In Memory Of Magic
2. United Animal Nations
Their Lifeline Grant Program helps with life-threatening situations.

Other Type Help

1. Dog Coats

A woman in Ocala has been making coats for dogs of homeless people or seniors living on fixed incomes having problems keeping their homes warm. If you can help sew the coats, provide material for the coats, donate money so material can be purchased, or just pass the word so those who need the coats can get them, please contact Yvonne for all the info.

Help for People, Too!

I love both animals and humans. If you are sick (or know someone who is) and need financial assistance with medication and practical care, please contact me and I’ll send you what information I’ve gathered.

More resources coming – keep checking back…

This information has been compiled in a press release titled Aid for People and Their Pets.

Info compiled from resources on the web by Dawn K ForTheAnimals for http://pets.groups.yahoo.com/group/ForeclosurePetRescue

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Lost Our Home Pet Foundation: Non Profit resource to help you keep or place your pet
Lost Our Home Pet Foundation
Description : Non Profit resource to help you keep or place your pet

Lost Our Home Pet Foundation: A nonprofit group of real estate professionals who rescue pets left behind due to foreclosures or other financial hardship.


How We Can Help You

If you are facing foreclosure or need to move for any reason, do not leave your pet behind or let them go into the streets. Before contacting us, you can try to find another home with a landlord that allows pets; however, if you are unsuccessful, Lost Our Home Pet Foundation is here to help.

Here at Lost Our Home we provide five main services: the Furry Friend Financial Aid Program the Furry Friend Food Bank, the Furry Friends Foster Program, Adoptions, and Rescue Assistance.

Financial Aid:

If financial burdens are preventing you from caring for your pet, or leading you to consider turning your pet over to your local shelter, Lost Our Home Pet Foundation can help. Please click here to find out what we can do to help keep you and your cherished friend together.

Food Bank:

In these hard economic times even providing food for your pet can seem impossible. Lost Our Home realizes what trouble pet owners are going through and we are here to help. Please click here to find out how we can help you provide the essentials for your friend.

Foster Program:

Is foreclosure or a forced move preventing you from keeping your pet? Staying somewhere temporarily where you cannot keep a pet and would like your pet cared for in the mean time? Contact us to learn how we can help through our temporary foster program. Learn more.


We have many loving pets that have previously been abandoned or neglected. To browse through our current database of homeless pets looking for their “forever home,” follow this link.

Rescue Aid:

Do you want to give your pet up for adoption? Please click here. However, if you, or someone you know, needs immediate assistance in a rescue, please click here.

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