Advocacy Programs - Local and National Level

ADVOCACY

UPACC together with its affiliates will conduct due diligence of the concerns and issues to carry out the mission of all members, to effectively advocate for their concerns and interest. UPACC's advocacy program offers  assistance and consultation on a case-by-case basis in response to submitted requests made by members pursuing representation on a local and national level regarding procurements and/or other projects; and incidents affecting the safety and well-being of any individuals, businesses, and industries.


UPACC's chamber members may be mandated to report incidents, accidents, and/or negative influences which affects the growth and development of communities, businesses, associations, or individuals etc.


UPACC is motivated to work with individuals, small and large businesses, organizations, etc.,  to prevent adverse behaviors that fosters any commercial practices resulting in substandard business behavior; and actions that may be construed to be detrimental to the growth of neighborhoods and its citizenry. 

Housing, Foreclosure, and Family Displacement

According to the Department of Housing and Urban Development (HUD) recently completed its comprehensive Annual Homelessness Assessment Report (AHAR) in two years. It found that nearly 600,000 Americans are unhoused on any given night. Illinois reported over 10,431 homeless individuals; and a quarter of the homeless were families with children living in shelters. It is also reported that historically, armed forces veterans and BIPOC individuals are more likely to experience homelessness. In addition, children and young adults on the streets before their adult lives begin are becoming victims of this issue.


National Alliance to End Homelessness reports that most minority groups, especially African Americans and indigent people experience homelessness at higher rates than whites, largely due to long standing historical and structural racism.


United People's Action Chamber of Commerce, Inc. (UPACC) offers professional assistance addressing foreclosure resulting in family displacement, evictions, homelessness, to include emergency shelter relief services, affiliation with food banks, and faith based initiatives.


"
The Real Fresh Start Program" 
Our mission, vision, and goals as an Independent
Hud Housing Counselor is to team up with homeowners across the country whether you live in a Judicial or Non-Judicial State we stand to fight unfairness and injustice involving an unequal representation of citizens involving the Real Estate and Home-ownership Industry.


Foreclosure is an epidemic which destroys families, and damage neighborhoods


WHEN WAS THE LAST TIME YOU CHECKED ON YOUR PROPERTY

WITH THE COUNTY RECORDER OF DEED?

“UNLESS YOU HAVE WALKED IN OUR SHOES AS FORECLOSURE VICTIMS”
felt our heartache, hardship and emotional stress what can you really do for me?


How the foreclosure process works:

Some states were known as judicial foreclosure states  while others were known as non-judicial foreclosure states.

Non-judicial foreclosure is a process that allows the lender to foreclose on the property without being involved in the courts.

A judicial foreclosure, the foreclosure is processed through the court system, which means there will be judicial oversight of the process, additional costs involved, and sometimes a longer period of time to get the job done. This process can take a minimum of 6 months, the standard time frame is 12 months, or it can take several years before any eviction can occur. For information regarding your specific state, please conduct a google search to identify whether or not your state is Judicial or Non-Judicial as it pertains to foreclosures.

We have years of combined experience assisting homeowners with loss mitigation such as modification, forbearance, foreclosures, and probation. We advocate to ensure all homeowners have a counselor assisting and representing them as they stand up to banks, mortgages and real estate, agencies, etc.


Our Goal
Education and representation, as we endure this fight together.

As “The Real Fresh Start” program working independently as a Hud Housing Counselor we strive to help homeowners by assisting them with the hardship of dealing with the financial institutions on all levels of concern with the housing market.


One question every homeowner has is “WHO IS THE SECURE PARTY OF MY LOAN”?
This is a major question that a independent housing counselor must address as a pre-requisite to conduct research to identify solutions to your foreclosure concerns.

A Hud counselor must be fully engaged with loss mitigation and or mediation to stay in full contact with both the mortgage lenders and their attorneys (if applicable).

Loss Mitigation:
Consist of “Modification, Forbearance, Short-Sale, Deed in Lieu of Foreclosure, and possible loan forgiveness”.

Once foreclosure is initiated after 120-days or longer of miss mortgage payments, as a Hud Counselor of "The Real Fresh Start" program, our job is to prevent the foreclosure to progress to the next stage. Whereas, during this stage, we will assist all homeowners with any research necessary to have the foreclosure dismissed.


Disclaimer: Under the "Real Fresh Start" program, our intent is to provide general guidance for a better understanding of our business processes and procedures. Through the "Real Fresh Start" program, our representatives, officers, agents, authors, editors, publishers and affiliates are not engaged in rendering legal, accountants, or other professional services. While every effort has been made, please be advised that our practice, guidance, and assistance is for general purposes and not to provide any legal advice.


For further assistance, please contact:
Sonya Davis

Chairman & Chief Executive Officer
HUD Housing Counselor
The Real Fresh Start Program

Email Address: sec.1958@yahoo.com

Direct Phone Number: (708) 362-3687



Community Advocacy Program

'Coalition Against Children & Senior Abuse'
Local and National Level Support Initiatives

“UPACC's Empowerment and Reporting Program” 


United People's Action Chamber of Commerce, Inc. (UPACC) community advocacy programs support children and elders through a mandatory reporting platform  initiative, whereas to encourage and enhance our children’s safety and the protection of our senior against elderly abuse, neglect and domestic violence.

_______________________________

CHILDREN ABUSE

(https://www.childwelfare.gov)

_______________________________

CHILD BULLYING INITIATIVE

(information coming soon)

___________________________________

ELDERLY ABUSE


ELDERLY ABUSE - A silent problem that robs the elders of their respect, dignity, security, and in some case their lives!

UPACC's mandatory reporting platform accomplish all U.S. States. Elder abuse is reported to include physical, emotional, sexual, exploitation, neglect, and abandonment.

Who are the perpetrators? Children and other family members, spouses, as well as staff members of nursing homes, assisted living, and other care providers.


It is reported that up to 5 million older Americans are abused every year, and the annual loss is estimated to be at least $36.5 billions.


What constitute elder Abuse?

Physical: inflicting physical pain or injury upon an older adult.
Sexual Abuse: Touching, fondling, intercourse, or any other sexual activity with an older adult, when the older adult is unable to understand, unwilling to consent, threatened or physically forced.


To file a report of suspected abuse, exploitations or neglect of an older individual, please call Illinois statewide, 24-hour Adult Protective Services Hotline:  1-866-800-1409.


To file a report in the State of Iowa, please call
(800) 362-2178

24/7




Diversity, Equity, And Inclusion

United People's Action Chamber of Commerce, Inc. (UPACC) is a not-for-profit 501 (c) 6 advocacy organization representing the Black and other minority Business Owners and the Community they service. The Chamber’s framework and discipline are geared toward the elevation of black owned businesses, advocate for their development; work with governmental agencies; and promoting the growth and development of the neighborhood they service. 


The Chamber’s Diversity, Equity, and Inclusion conducted research which revealed there are several concerns the Chamber’s mission must focus and work on with assistance of our community leaders and elected officials. 


While working with our dedicated leaders , our first and foremost responsibility is to be an advocate for our members both residential and commerce, to address issues of their concerns to the prosper authority; whereas to maintain the protection of our member’s constitutional rights; and for benefits necessary for the success of the Chamber’s business model.



The Chamber as an advocacy organization, it is our mission to identify and provide assistance  to Black and other minority businesses, its men, women, and children in an effort from them becoming extinct through imprisonment; homelessness, or displaced due to discrimination, or  victims of redlining tactics due to the color of their skin or ethnicity, origin, gender, religion, and others.


The Chamber’s Diversity, Equity, and Inclusion efforts along with its community outreach committee will advocate for justice and prevention of discriminatory practices within the community workplace, by law enforcements, public figures failure to serve, victims or violence.


An increase in criminal activities has resulted in the increase of  abandon building around businesses and in neighborhood across the country. The Chamber shall work with the city and residents to  hold the owner(s) responsible when criminal activities is conducted on their abandon property or within their property.


Whereas an abandon building is used to mask a crime or as a catalyst to a crime, or is displayed due to its unsafe nature as a habitat for crime or injuries; whereas unsafe for passing women or children living in closure proximity to a run down building will be considered a  nuisance of the community as defined under the Abandon Housing Rehabilitation Act (310) ILCS50/2 ...  and the  Illinois Nuisance Law but cities and states laws may different. (This identification is not limited to Illinois communities). “The interference with the interest in the private use and enjoyment of the land and does not require interference with possession” (See Flood Litigation, 176 ILL.2d at 204) or any property which because of its physical condition or use is a public nuisance, or any property which constitutes a blight on the surrounding area, or any property which is not fit for human habitation under the applicable fire, building and housing code.  Whereas any illegal activities involving controlled substances.


This is for general information only and the United People's Action Chamber of Commerce, Inc. (UPACC) officers, owners, agents, representatives, members, but not limited to these are not attorney nor practice law in any capacity, we strongly suggest you consultant with your attorney reference the general information provided) which could foster crime among the black race and affects the safety of our children living in the neighborhood.

Consumer & Civil Rights Advocacy

KNOW YOUR RIGHTS - FIGHT BACK!


Deprivation of Rights under the color of law – Title 18, U.S.C., Section 242

Makes it a crime for a person acting under color of any law to willfully deprive a person of a right or privilege protected by the Constitution or laws of the United States.


For the purpose of Section 242, acts under “color of law’ include acts not only done by federal, state, or local officials within their lawful authority, but also acts done beyond the bounds of that official’s lawful authority, if the acts are done while the official is purporting to or pretending to act in the performance of his/her official duties. Persons acting under color of law within the meaning of this statute include police officers, prisons guards and other law enforcement officials, as well as judges, care providers in public health facilities, and others who are acting public officials. It is not necessary that the crime be motivated by animus toward the race, color, religion, sex, handicap, familial status of national origin of the victim. The offense is punishable by a range of imprisonment up to life term, or the death penalty, depending upon the circumstances of the crime, and the resulting injury, if any.


UPACC understands safety and fear tactics which could hinder against reporting of incidents, etc., so it processes incorporates an anonymous platform that provides for the safety of those individuals making aware of any circumstances that limit their full participation.


UPACC’s Consumer Rights Division is the advocacy protection department that establish the framework to protect its members, both individuals and businesses, from violations of their rights, report unfair practices, violation of diversity, ethics, and inclusion initiatives, elderly and children abuse incidents, financial and deceptive practices through trades, nuisance violations, tenant rights, home foreclosures, and other criminal activities, etc.


The mission of UPACC is to report to the appropriate authorities, governmental agencies, private professional and non-for-profit organizations that specialize in due processes for the best interests of its members. To collaborate with community organizations, churches, charities, and others in their mission or for-profit agenda. To assist its members, reference the following during the time of administrative procedures violations, but not limited to these:


Employment issues

Discrimination on the basis of Title VII, of the Civil Rights Act : Race, Religion, Color, National Origins, Sex, Age, Gender, and Gender Orientation. Retaliating against employees or applicants when they assert their rights under the laws. Assistance reference obtaining unemployment insurance compensation, progressive discipline violations, verbal, written, suspensions, and unlawful terminations. 


Whistleblower Protections

UPACC will assist its member to exercise their rights under the Department of Labor's whistleblower protection laws when a suspicion of retaliation is suspected.

This shall include actions of firing or laying off, demotion, denying overtime or promotion, or reducing pay or hours. UPACC advocacy program is here to report adverse circumstances against its member in an effort to protect their rights under this protective activity.


Pregnancy Discrimination Act of 1978

Prohibits employment discrimination based on pregnancy, childbirth, or related medical conditions.


Small Business Related Issues/Violations

Any small business complaints and violations may be reported to the United People's Action Chamber of Commerce, Inc., (UPACC) when it is alleged to have breached local statutory laws, ethical standards or code of conducts violations that potentially impact its membership and its reputation within the business community it service. The severity of the violation and the filing of a complaint shall have no barrier on whether to trigger an investigation, issue warnings, or removal from the Chamber's membership. UPACC's Code of Conduct reference its membership shall be of the highest standard and all participants must meet its goals, and objectives, to become a steward of the community it services.


Any complaints against a business will be reviewed by UPACC's investigation division and when warranted, be reported to the appropriate governmental agency for further investigation and enforcement, if applicable.

UPACC mission hold its to a higher standard for the development of all its memberships' communities and neighborhoods.


PLEASE NOTE: 
UPACC's members should understand where legal or other support or expert assistance shall be required the services of a competent professional should be sought. Our website and other written correspondence only provide information on our offer for assistance; when a complaint is made. UPACC's intervention processes through its departments, divisions, sections, committees, and regions whether on a local, county, states, and federal level follows strict rules, policies, procedures, and usage of statutory laws, etc., as the guided for the implementation of our services. It is understood that all information presented via our marketing and service platforms contains general information only; and is available to the general public on a need-to-know basis through both electronic and written means, seeking resolution for themselves. The processes used by UPACC is its own methodology to assist its members during its development, formatting, researching, final disposition of its finding; and have been governed by UPACC's policies and procedures, rules, regulations, directives, and methodology its feels will be effective in its intent to services its members during the time of their needs. While every effort will be made to assist our members, it shall be understood we are not attorneys and do not guarantee that all final dispositions, ruling, finding, etc., or outcomes will favor our members; and that each member utilizing our services agrees to hold us harmless from any claims, judgement, ruling not in favor of them, whether through arbitration, or through a judiciary court system or private hearing.


Consumer Complaints

Do you have a concern or a complaint about a matter in our area? If so, please share some information with us so that we can reach out to you in hopes of resolving the issue. This could be with a particular company, neighborhood issue, etc.

Please fill out the form below so that we can follow up on this matter.

Thank you!

File A Complaint

Join UPACC Today!

For additional information please call:

(800) 586-2285

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