Defaulted homeowner moves out. Occupy protestors move in.

Normally a local chapter of the activist group makes a last-ditch effort to help struggling borrowers before they get kicked out of their home. Occasionally bad press coverage can prompt the lender to agree to a loan modification.

But a recent foreclosure protest in Minnesota violated the normal (dis)order.

Occupy protestors have vowed to return to the empty foreclosed home in south Minneapolis after holding two protests in the past month. The protestors caused such a fracas that neighbors called the police, according to the Minneapolis Star Tribune.

Freddie Mac took the extraordinary step of installing steel plates over the windows of the home at 4044 Cedar Ave. after Occupy protestors took boards off the windows in May and reoccupied the empty home.

In this case, the former homeowner, David Cruz-Sanchez, got a $194,000 mortgage to buy the house in July 2007. He stopped paying his mortgage in August 2010 and Freddie took the home back at a sheriff's foreclosure auction in August 2011. Cruz-Sanchez and his wife continued to live in the home until April when they were evicted.

The couple's adult children had contacted a local nonprofit, Neighborhoods Organizing for Change, which decided to occupy the house to protest foreclosures even though Freddie had already legally taken back the property.

A Freddie Mac spokesman says the mortgage servicer, PNC Bank, tried to reach the borrower several times to discuss alternatives to foreclosure but the family did not respond. PNC declined to comment.

Neighborhoods Organizing for Change had planned to stage another protest at the home Friday.

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