The Dec. 31 deadline for the federal foreclosure review program is looming.
As a result of the settlement between the federal government and the nation’s 14 major banks, money is available to compensate homeowners who can prove that misrepresentations, errors or other irregularities occurred during the foreclosure process.
Area residents who lost their homes to foreclosure in 2009 and 2010 can turn to the Urban League of Philadelphia for free help in receiving possible compensation.
“Individuals whose foreclosure process started in 2009 and 2010 may be eligible for this review and receive compensation up to $125,000. It’s based on the 14 mortgage companies that have participated in this review,” said Deserie Fields, Urban League housing program manager.
The Urban League’s housing counselors will help applicants complete and submit the request forms and will answer questions about the process.
After unemployment led her to miss her mortgage payments, Marlyne James was evicted from her home in the city’s Overbrook section on Jan. 15, 2010. Last week, she turned to the Urban League for assistance in applying for the foreclosure review.
“I hope that by going through this independent foreclosure review it will finally make me feel as if I am made whole again,” said James, who lived in her home for 32 years.
Participating lenders have sent out letters to consumers who faced foreclosure during the eligible time period, however the government has extended the foreclosure deadline twice due to lack of applicants.
According to the Office of the Comptroller of the Currency (OCC), about four million people received letters about the free foreclosure reviews late last year.
“Through December 13 more than 356,000 people have requested a review. There was additional advertising and outreach conducted between December 3 and December 16, so we anticipate that the number of requests will continue to grow through the deadline,” said OCC spokesman Bryan Hubbard.
Some consumers have been wary of foreclosure assistance programs.
“A lot of consumers that are facing foreclosure are frustrated and not trustworthy of the additional outreach because they don’t want to be victims of predatory lending, scams or anything like that,” Fields pointed out.
Hubbard stressed that there is no charge for requesting a review.
“If someone requests to be paid to submit the review on your behalf or promises results, the borrower should be very wary,” Hubbard said.
“The reviews are being conducted by neutral third parties under the direction of the federal regulators. Borrowers give up nothing by requesting a review or by accepting remediation through the program, so they retain all their rights to pursue other options that they have available.”
The program is open to those whose mortgages were in foreclosure on a primary residence and serviced by one of 14 servicers or their affiliates, including America’s Servicing Co., Aurora Loan Services, BAC Home Loans Servicing, Bank of America, Beneficial, Chase, Citibank, CitiFinancial, CitiMortgage, Countrywide, EMC, Everbank/Everhome Mortgage Co., Financial Freedom, GMAC Mortgage, HFC, HSBC, IndyMac Mortgage Services, MetLife Bank, National City Mortgage, PNC Mortgage, Sovereign Bank, U.S. Bank, Wachovia Mortgage, Washington Mutual, Wells Fargo, and Wilshire Credit Corp.
For information call the Urban League at (215) 985-3220 ext. 201 or visit www.independentforeclosureview.com.
Joseph W. Holmes was a longtime resident of Glenolden,
Holmes died Thursday, Dec. 13, 2012. He was 71.
He was born March 18, 1941 in Darby to the late Marcellus and Violet Holmes.
Holmes attended McKinley Elementary School, Darby Township Middle School and graduated from Darby High School.
He retired from GlaxoSmithKline in 2007 after 25 years of service. Prior to working for GSK, Holmes was employed at the Control Switch Corporation in Glenolden.
Holmes, also known as “Lem,” developed polio during his childhood and endured many years of therapy and treatments.
“However, after all the battles were over, he lived a very productive and active life,” his family said.
He enjoyed swimming, horseback riding and bicycling. His favorite hobby was dealing with antique furniture, vintage glass bottles and old vintage Black American porcelain figurines which he sold at antique shows.
He was preceded in death by his brother, Calvin Holmes and a sister, Helen Thomas.
He is survived by his sisters, Marcella Brown of Secane; Mary James of Yeadon and Judith Earland of Cape May, N.J.; two brothers, James Holmes of Darby Township and John Holmes of East Norriton; sisters-in-law, Patricia Holmes, Joyce Holmes and Tanya Holmes; brothers-in-law, Steve James, George Earland and William Brown; special friends, Basil and Catherine Gordon and other relatives and friends.
Services will be held Dec. 22 at the Claude J. Edney Memorial Chapel, 634 Sharon Avenue, Sharon Hill. Viewing will be held at 9 a.m. Services will follow at 11 a.m.
In lieu of flowers, donations can be made to the Goodwill Fire Co. No. 1, 714 Cook Ave., Glenolden, Pa., 19036
Bernice C. Terry was a former hospital housekeeping supervisor.
She died Wednesday, Dec. 12, 2012 at Crozer Chester Hospital after an extended illness. She was 90.
Terry was born Dec. 10, 1922 in Chester, Pa. to the late Samuel and Magnolia Jones, Sr.
Terry, a lifelong resident of Delaware County, was educated in the Chester public school system. She spent many summers in Wildwood, New Jersey with her extended family.
She was baptized at an early age and attended Bethany Baptist Church in Chester, under Rev. D. Scott.
After moving to Twin Oaks, she joined Mount Pleasant Baptist Church. She was an active member of the church’s Flower Club, Pastor’s Aide, Senior Choir and Willing Workers Ministry.
She married William Terry on May 29, 1949. They shared 54 years together until his passing in 2003. The couple’s daughter, Brenda Diana died in infancy at one month old.
Terry was a housekeeping supervisor at the Chester County Hospital in West Chester for 35 years. She retired in 1991.
“Bernice was a lively, loving, friendly spirit with an unforgettable laugh and a beautiful face,” her family said.
“She loved to joke, laugh, talk and be aware of what was going on with family and friends. She held a special bond with relating to young people today as a wise elder.”
Terry’s family said she cherished many things in life, including her family, friends, neighbors, church and her dogs.
She is survived by her brother, William “B.J.” Jones of Wildwood, N.J.; a special niece, Doris Ballard Jeffries of Florence, S.C.; a great-niece, Lori M. Hayes of Philadelphia; a devoted caretaker, Anthony Harris of Chester; and other relatives and friends.
Services will be held Dec. 21 at Mt. Pleasant Baptist Church, 101 Washington Ave., Twin Oaks. Viewing is at 9 a.m. Services will follow at 11 a.m.
Catherine Laws Funeral Home handled the arrangements.
Black women are less likely to receive a newer surgical procedure for breast cancer, according to a new study.
The study, led by Dr. Dalliah Mashon Black, assistant professor of surgery in the department of surgical oncology at The University of Texas MD Anderson Cancer Center in Houston, found that Black women were less likely to receive a sentinel lymph node (SLN) biopsy.
“It used to be that we remove all the lymph nodes under the arm to determine whether the breast cancer had spread but then this new technique, the sentinel lymph node biopsy was developed, and it was dissimilated throughout the country in the mid-2000s,” Black said.
“So we looked at how this newer technique was being implemented in Black women versus white women with breast cancer.”
“The sentinel lymph node biopsy is a more minimally invasive surgery, so it has fewer complications compared to stripping out all the lymph nodes under the arm - and it has a less complication of arm swelling. Patients can really have problems with that larger surgery, so it is important for patients to try to get the newer sentinel lymph node biopsy,” she added.
Using data from the Surveillance, Epidemiology and End Results (SEER)-Medicare database, Black and her colleagues evaluated whether there was a difference in the utilization of SLN biopsy in Black patients compared to white patients, and whether this difference impacted the risk for lymphedema, which is a complication characterized by arm swelling that may occur after auxiliary surgery.
The researchers assessed data from 31,274 women aged 66 or older, including 1,767 Black women, 27,856 white women and 1,651 women of other or unknown race.
“Black women were 12 percent less likely to receive a SNL biopsy compared to white women,” said Black, who presented the data during the CTRC-AACR San Antonio Breast Cancer Symposium held on the week of December 4.
Hosted by the Cancer Therapy and Research Center at UT Health Science Center San Antonio and the Philadelphia-based American Association for Cancer Research, the symposium draws an audience of academic and private researchers and physicians for more than 90 countries.
The study indicated that 62 percent of black women underwent SLN biopsy compared with 74 percent of white women. The use of SLN biopsy increased each year for all patients, but disparities persisted through 2007.
The researchers found that Black women who did not undergo an SLN had an increased risk of arm swelling.
“The disparity in SLN translated to a worse clinical outcome for those Black patients,” Black said.
Black women remained significantly less likely to receive SLN biopsy compared with white women despite adjustment for tumor size, patient sociodemographics and type of breast surgery. Furthermore, ALND was associated with twice the risk for lymphedema in black patients compared with patients treated with SLN biopsy.
Black says the data highlights the need for improving national implementation of changes in practice standards and for understanding how physician cancer teams incorporate recommendations in different patient populations.
“Disparities can affect a patient’s survival but disparities can also affect a patient’s quality of life,” Black said.
“So if patients are having an unnecessary, bigger surgery that may affect that patient’s quality of life and so as healthcare providers we need to have more education about how we are discussing surgical options with minority patients. We need to be aware that this disparity exists and it is affecting clinical outcomes, specifically lymphedema. We still have work to do to narrow this disparity gap.”
Black and colleagues hope to update this study with data from the 2010 SEER-Medicare database to evaluate whether improvements have been made since 2007.
Darrell K. Henderson was a businessman who was involved in several commercial ventures.
He died Wednesday, Dec. 5, 2012. He was 59.
He was born Feb. 2, 1953 in Wilmington, Del. to Pearl D. Henderson and the late Oscar S. Henderson.
The Henderson family later moved to West Philadelphia where he attended Harrity Elementary School. The family later moved to Yeadon, where he attended Evans School for two years. He completed his education at Mitchell Preparatory School in Boothwyn.
After graduating from high school, he attended Cheyney University of Pennsylvania. He played center for the football team and joined the Omega Psi Phi Fraternity in 1972. He graduated from Cheyney with a bachelor’s degree in English and communications in May 1975.
While attending Cheyney, Henderson met and later married his wife of 30 years Cynthia Bond-Henderson. The couple had one daughter, Madeline J. Henderson.
“He was known to be a jokester whose positive spirit and contagious smile touched many,” his family said.
Henderson was the general manager of the Philadelphia International Film Festival and Market and was a member of the board of directors, Producer’s association and executive committee for more than 35 years.
He coordinated film festivals in the Headhouse Square district and helped finance several Philly filmmakers’ projects. He is credited with introducing Philly audiences to nationally recognized figures like Ivan Dixon, Daphne Maxwell-Reid, Eric Monte and Janks Morton.
Henderson was involved in several business ventures including Scoop’s, a water ice business, Solid Rock Construction, Fortress Communications and A.A. License Restoration Center, where he assisted many Philadelphia residents for more than 25 years.
He was active in many organizations. He served as president of the Nile Swim Club and president of Cheyney University’s National Alumni Association. His other affiliations included Delaware River Power Squadron, the Ramblers Social Club and African Cultural Alliance of North America.
In September of 1988, Henderson dedicated his life to Christ. He and his family joined the Goodwill Baptist Church, where they attended for many years. He led the Singles ministry, sang on the choir and served as a deacon. The Henderson family later joined Christian Stronghold Baptist Church, where he served on the audiovisual ministry.
His family said he had a passion for the arts and theater and produced a variety of plays, films and shows. His hobbies included watching football, cooking, golfing, swimming and traveling.
Henderson is survived by his mother, daughter, daughter’s mother and other relatives and friends.
Services were held Dec. 14 at New Covenant Church of Philadelphia at 7500 Germantown Ave.
Bruce R. Hawkins Funeral Home handled the arrangements.