While still pounding the front lines, Occupy Cape Cod spends plenty of time behind the scenes, putting grueling hours into modifying loans so that people can have lower monthly costs and avoid foreclosure. Cox wakes up at 3 am every day to get a jump on the paperwork — last week alone, he received seven calls from people asking him to help rescue their properties. Dealing with banks is exhausting, but Cox says that he's beginning to understand how to win at their game. The day we met, he'd just finished a modification application for fellow Occupier Pamela Hughes. A disabled former history teacher who says she's never missed a mortgage payment on her East Falmouth ranch, Hughes is left with little money for food or amenities each month.
"The whole process is a nightmare — a slow torture," says Hughes. An Occupier since the first Falmouth assembly, Hughes has been denied for several modifications, once on account of her good payment record. She continues: "You need tons of documentation, and I learned after a while that the bank is going to pull the rug out from under you any chance they get. It's a better feeling now, though. Before I felt like I was alone in this. With Occupy Falmouth and Occupy Cape Cod, I've found real advocates who know what's going on, and who really want to help."
Chris Faraone can be reached atcfaraone@phx.com, or follow him on Twitter @fara1. His book about Occupy, 99 Nights with the 99 Percent, is in stores now.
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