Writing To Congress Guide

I want to write the letter to congress about my situation

can you help me?

Karen and Irina Grigorian represent the Judgment Debtors in the above-referenced case. Below is an outline of the circumstances for entry of judgment and a proposed offer for settlement. * – The Below Market Rate (BMR) Housing program purchased the property at * Wayne Way, San Mateo, CA * During the transaction, the BMR program faced several problems: - No disclosure was provided in a different language, and we requested a translator to better understand the transaction and terms (8 months living in the USA at that time). **Disclosure Requirements**: Sellers must provide clear disclosures about resale restrictions and other legal obligations. - No translator was provided by the City of San Mateo, and there were no disclosures explaining the terms of resale restriction, promissory notes, and deeds of trust in plain language. **Language Assistance** California law requires reasonable accommodations for individuals with limited English proficiency, including translators. - No homebuyer education on BMR property with restrictions. **Homebuyer Education**: Programs often require homebuyer education, which should be provided. - No financing was provided by the City of San Mateo. All finances, including the down payment and property upgrades, were invested in the BMR purchased property from our personal account. **Financial Assistance**: Many BMR programs offer financial assistance Considering a lawsuit in California: - **Breach of Contract**: If the terms of the contract were not fulfilled. - **Failure to Disclose**: If essential information was not disclosed. - **Language Assistance**: Violation of California's language accommodation laws. - **Consumer Protection Laws**: Potential violations related to fair practices. Property deed restrictions and other documents were not recorded in ways recognizable to lenders and title companies. This problem was recognized by many authorities and homeowners in San Mateo County (see attached publication). The grant deed of the property shows no recorded liens or covenants that would prevent pursuing a refinance and HELOC (Home Equity Line of Credit). The city brought several claims in their action. These claims included: Breach of established resale conditions – We did not sell the property; we only refinanced and later transferred it to the City of San Mateo. Lost opportunity for potential future Below Market Rate home buyers – With good intentions and trust, we contacted the City of San Mateo (Sandy) before starting refinancing and facing the hardship situation. Financial damages caused by the defaulted lien and HELOC mortgage – It was not in default, which is why we contacted the City of San Mateo to share our financial situation. Illegitimate use of the HELOC mortgage towards financing unauthorized investments – We used our personal income to purchase properties and then lost all of them (see attached copy of the * tax return and proof of foreclosure). We received a letter from the bank regarding our interest in loan refinancing. We contacted Sandy at the City of San Mateo Housing Department to request permission to refinance. We informed the lender that the property is part of the affordable housing program, but they insisted that our title is clear and has no legal barriers. Their title search did not show any record of the BMR agreement. In *, we purchased the property at * 41st Ave, San Mateo, using our personal income for the down payment. (See attached CPA letter.) We purchased several properties in different states that went into foreclosure during the * financial crisis. In *, a global financial crisis occurred, leading to job losses and the foreclosure of all our investment properties. With genuine intentions and trust in the City of San Mateo, we contacted Sandra at the City Housing Department to explain our financial hardship and seek relief. We were transparent, hoping that our decision to communicate with city officials illustrated an understanding of both personal and civic duty during challenging times. During our conversation with the City of San Mateo Housing Department: Sandra spoke sympathetically and expressed appreciation for informing her of our situation: "Thank you for not letting the loan go into default or foreclosure. Don't worry. Just come to our office for some paperwork so we can transfer the title over to the City. The City will take care of it from there, and you won’t be in trouble." We trusted and followed all of Sandra’s suggestions, hoping that the City of San Mateo would appreciate our honesty and willingness to cooperate. We stopped paying the mortgage. Later, we discovered Sandra’s concerns about the BMR recording program, which she admitted in a * article titled “Homeownership Programs Prove Tricky” (we contacted her in *, and she already knew it was a significant problem with homeowners' BMR title reports). From Sandra in the article: "You're going to get these real-life scenarios that hit you in the face. We probably get a couple of new scenarios every year," said Sandy Council, who administers San Mateo's program. "There are many details that aren't apparent at first." The city sent a real estate agent to inspect the home, and she commented on the improvements we had made and the property's good condition. Despite all the issues with the City Attorney, Shawn Mason kept telling us that the city's intention was to make an example of us to other BMR home buyers and punish us. We were transparent and made efforts to participate in communication and follow all instructions with the city, while simultaneously, the city prepared legal action. We struggled through the housing market crash of *-*. The City brought its action against us. It was a very stressful time, and we lost all investment properties in foreclosure. We were granted financial assistance through the court’s Civil ADR Program, indicating that we struggled financially, lost all properties, and had no other income. We had no legal representation and attended the mediation meeting ourselves. During the mediation, the City of San Mateo lawyer, Shawn Mason, kept saying that selling the house and refinancing are the same thing. After vacating the property at * Wayne Way, San Mateo, we moved to one of our investment properties at * 41st Ave, San Mateo, which had not yet been foreclosed on as it was under construction. However, due to our financial situation, we were at risk of losing that house as well and received a Notice of Default. We applied for a loan modification multiple times to avoid becoming homeless. After several attempts, we successfully obtained a loan modification. During the transfer of title to the City, we lacked legal representation to protect us from any future legal action by the City. Immediately after the sale of our property, the City sued us for a judgment lien of $*,* in damages without explaining how they arrived at this estimate, despite profiting from the sale. We are overwhelmed and lack sufficient resources to retain counsel to defend against the suit properly. Based on previously provided information, it is evident that the judgment lien on the house we are staying in was unlawfully and unfairly imposed on our property in *, which is disastrous and devastating to us. Both of us have been living under incredible stress and constant fear of losing our property and becoming homeless. As a result of these issues, Irina Grigorian has developed a serious health condition and is now on permanent social security disability. For the past 15 years, she has lived in constant fear and anxiety regarding this unfair situation with the City. She relies on a fixed income from disability benefits. Unfortunately, this situation is creating an overwhelming burden that severely impacts her health. We urge you to consider the medical necessity. It is crucial to address this burden, whether through negotiation or other means, to ensure she can maintain both her physical and mental health. (Attached note from Dr.)

can you help with the letter?

do you have the address of the congress, or trump or any suggestion