HARM LOG: Housing Displacement & Harassment (Incident ID: 2026-01-18-OTIS)

DATE: January 18, 2026 STATUS: CRISIS / FORCED RELOCATION INCIDENT ID: 2026-01-18-OTIS RELATED CASE: FCFCU v. Rice-Velasquez (Cumulative Harm)

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1. EXECUTIVE SUMMARY

On January 18, 2026, Defendant was forced to terminate residency at the Otis residence due to an escalation of unsafe living conditions, targeted harassment, and financial coercion. This housing arrangement, which was a direct result of the unlawful removal from 7101 East 56th St by Plaintiff FCFCU, has collapsed, resulting in secondary displacement, physical injury (bug bites/smoke exposure), and acute mental health distress.

2. CHRONOLOGY OF HARM

• Context: Defendant entered an informal $600/mo room rental with “Otis” to secure emergency shelter post-eviction. Conditions were subpar but accepted under duress.
• The Conflict: Otis intensified aggressive financial demands and “third-party” harassment. It was discovered that Otis was pressuring for cash to fund drug use (“trying to get high”).
• Labor Dispute: Defendant performed substantial labor as part of the move-in (cleaning the “nasty” room and setting up a camera/wiring system for Otis). This labor was intended to cover initial residency, but Otis ignored this, demanding an additional $150/week.
• Discovery of Fraud: Information suggests Otis may be “squatting” himself, paying no rent to the owner while extorting the Defendant for cash.
• January 18 Incident: Cumulative stressors resulted in Defendant passing out in their vehicle from exhaustion.
• Forced Decision: Defendant is moving to a hotel/studio (e.g., One Life Suites or Evansville Inn) seeking stability at ~$200-$250/week to focus on work and legal proceedings.

3. CATEGORIZED DAMAGES

A. Health & Safety (Physical)

• Biological Hazard: Discovery of bugs in bedding; multiple sustained bites.
• Respiratory Stress: Continuous indoor cigarette smoke exposure (documented health trigger for Defendant).
• Physical Collapse: Incident of syncope (passing out) in vehicle due to systemic exhaustion and sleep deprivation.

B. Mental & Emotional

• Hypervigilance: Escalated by Otis’s “vending machine” approach to communication (constant money demands).
• Safety Fear: Explicit concern that service animal (Gigi) may be harmed or released in retaliation for the move-out.

C. Economic & Tactical

• Secondary Displacement: Loss of the “emergency” shelter results in immediate homelessness (vehicle-based) during sub-freezing temperatures.
• Resource Depletion: Moving costs and the disruption of legal preparation time for the January 9/January 19 hearings.

4. CAUSATION (THE “LINK TO BANK”)

The collapse of this housing arrangement is proximately caused by Plaintiff FCFCU.

1. Direct Result: But for the illegal/irregular removal, Defendant would be in a safe, owned residence.
2. Vulnerability Trap: The removal stripped Defendant of resources, forcing them into “high-predation” informal housing where they had no tenant protections.
3. Compounded Stress: The stress of the Bank’s litigation made it impossible to navigate Otis’s irrational demands, leading to the health collapse.

5. TAGS

housing_fallout harassment financial_coercion unsafe_living_conditions health_risk mental_health_impact forced_move retaliation_risk animal_safety cumulative_harm