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berniesrevolution · 7 years ago

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JACOBIN MAGAZINE

Carlos Rosa is alderman of Chicago’s thirty-fifth ward, but he’s not a typical member of city council. He is the first openly gay Latino to serve as a Chicago alderman, serving since 2015 (when he was only twenty-six), a socialist and member of the Democratic Socialists of America (DSA), and a former delegate to the Democratic National Convention for Bernie Sanders.

After recently agreeing to join State Senator Daniel Biss’s ticket for the upcoming Illinois governor’s race, Rosa made headlines for being forced off the ticket by Biss after only six days over Rosa’s refusal to denounce the boycott, divestment, and sanctions (BDS) movement against Israel. Rosa faced pressure both for publicly supporting movements for justice in Palestine in the past, and for his membership in DSA, which voted at its August convention to endorse BDS. He refused to budge.

Jacobin associate editor Micah Uetricht interviewed Rosa about how he came to run for office, his attempts to bring movement demands to his electoral work, and the lessons he learned from his short-lived stint on Biss’s gubernatorial ticket.

Micah Uetricht:

Let’s start from the beginning. How did you decide to run for office?

Carlos Rosa:

I grew up in a very political family. My parents were involved in the brown nationalist movement of the late 1960s and 1970s, and they then transitioned into electoral politics in the 1980s during the Harold Washington era. There had been a long fight between more reform-oriented, progressive folks and the Democratic machine. My parents were very much on the reform, progressive, independent side of that fight.

I always viewed electoral politics as a way to move towards movement for social and economic justice. At the same time, I also grew up queer and Latinx and was very aware of the different ways in which people that were marginalized faced oppression. All of those experiences led me to get involved in activism in high school against the Iraq War in 2003. Then in 2006, the mega-marches that started in Chicago for immigrant rights and against HR 4437, the anti-immigrant bill, began. Seeing hundreds of thousands of people take to the streets informed my worldview: there were people in power who would use that power to hurt our communities unless we organized to build our own collective power.

That led into activism in college at the University of Illinois, then Miguel del Valle’s campaign against Rahm Emanuel for mayor in 2011, then working in the office of Rep. Luis Gutierrez as a congressional case worker. That experience helped radicalize me because I saw working-class people, mainly Latinx immigrants, come into the office every single day facing all types of exploitation and disenfranchisement: foreclosure, deportation. And I threw myself into the work of helping families in deportation crisis, trying to use the leverage Congressman Luis Gutierrez’s office had to stop deportations.

In Congressman Gutierrez’s office, I focused on deportation defense work, linking up with a group called the Immigrant Youth Justice League (IYJL). We began to engage in an inside/outside strategy where they would send me individuals that were facing deportation, I would secure the assistance of Rep. Gutierrez’s office in appealing to ICE for an end to their deportation; likewise, when individuals would come to our office and seek assistance with their deportation case, I would refer them to IYJL, in hopes that they would join this grassroots base of undocumented people fighting individual deportations and to win relief from deportations at the federal, state, and local levels.

That then led me to become an organizer with the Illinois Coalition for Immigrant and Refugee Rights where I became a deportation defense organizer. We worked on legislation at the state level to stop deportations and close the trapdoor that leads to the deportation pipeline. For example, if someone gets stopped with a broken light and they don’t have a driver’s license, it can lead to them being detained by ICE.

When we would advocate for these laws to stop deportations, we would often sit across the table from so-called progressive Democrats who were oftentimes a bigger impediment than some of the Republicans we were speaking to. So I began to think about the need to have elected officials that were deeply tied to movements and viewed themselves as an extension of those movements — whose job it was to raise those demands through the official channels in the halls of power.

Micah Uetricht:

You were elected to represent Chicago’s 35th Ward two years ago, at the ripe age of twenty-six. How do you implement that commitment that you say you have, to being an extension of movements in the halls of power, on city council?

Carlos Rosa:

I consider myself a movement elected official. That means that my role is to be an organizer on the inside for those movements that are organizing people-power bases on the outside.

I’ve continued my relationship with the immigrant rights movement in Chicago, for example. IYJL has since become Organized Communities Against Deportation (OCAD), and the immigration policies that I push at the local level are always informed by and come directly from the base of people, primarily undocumented people, that are organized through OCAD. My moves at city council are dictated by the decisions that they make within their community membership assemblies, which are led by those that are directly impacted by the policies that I’m pushing.

Similarly, when it comes to police accountability reform, I’m pushing forward an ordinance called the Civilian Police Accountability Council (CPAC) that comes from a grassroots movement They have engaged in a robust grassroots campaign with marches, public town hall meetings, and collected over fifty thousand signatures by canvassing, tabling, and going door to door to talk to Chicagoans about the need for community-controlled police. CPAC directly links their ordinance to the Black Panthers’ demand for community control of the police; they want a democratically elected body over the police that can discipline the police and set the terms of police contracts and policies.

(Continue Reading)

#politics #the left #chicago #progressive #progressive movement #carlos rosa #activism #bernie sanders #berniecrat #DSA #Democratic Socialists of America #jacobin #jacobin magazine

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manleycollins · 5 years ago

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Journal Entry #29 - Let's Talk About The Elephants....Schizophrenia, Bipolar Disorder, Obsessive Compulsive Disorder, Anxiety, and Depression....What Happened During the Process? And my visions?

JOURNAL ENTRY #29 Name: Manley M Collins Social Security Number: 5 7 9 - * * - 6 5 4 1 Date of Birth: 06/21 Place of Birth: Washington, District of Columbia Country of Birth: United States of America

Date: January 1, 2020

TOPIC: Let's Talk About The Elephants....Schizophrenia, Bipolar Disorder, Obsessive Compulsive Disorder, Anxiety, and Depression....What Happened During the Process? And my visions?

DEPARTMENT: United States Department of Justice DEPARTMENT: United States Department of Education DEPARTMENT: United States Department of Health DEPARTMENT: United States Department of Transportation DEPARTMENT: United States Department of Labor

Reality has set in and subsided. Life can make someone decide on some tough choices.

Now, that I have spoken with the United States Department of Justice and United States Department of Defense, I am worthless now since my clearance is permanently removed and it is frown upon if anyone tries to fix it.

So, this post is the real talk about what truly transpired during the 10 year mental illness phase - crazy suppression. Up2Us Sports, DCPS, CNCS/AmeriCorps, and TeensRunDC, you were let off the hook because I am focusing more on my move than actually pursuing any additional civil suits/lawsuits and it is not worth it for a $2200 education award. Yamaha and Coleman PowerSports, I not pursuing you for $1800 dollars. South Carolina State University never produced a US president, DeVry/Keller definitely never produced a US president or any type of politician, and University of Phoenix never produced any politician. I played the Education Lottery and only won up to $50 dollars. I did lawsuits and got nothing even though harm and hurt was done. Homeless people have disability checks, veteran checks, pension checks, and other types of government checks. I gave money away and got nothing in sense of something that could be of value. Mother's death provided $1500 dollars because my stepfather/her husband decided to share with the kids. Biological father's death estate situation is totally unknown and I am moving on. My most precious stuff got taken away and nothing returned. My family, friends, and certain communities proved that they were nothing and I will be nothing in the United States of America. So I literally have the hardest life, I have to work for every penny and use it wisely. After analyzing my biological father's FaceBook profile, I literally saw everything about what life did to him and had so much real estate that no one wanted....and if we were not estranged or had animosity toward each other...I had the power and knowledge to run everything from Texas while living elsewhere. Yes, family I am the one who sent notification to FaceBook to memorialize his profile. I am asking Paris, France or Europe in general get me there....please get me there.

This is my plan. Letting Go: Washington, DC Up Next: South Carolina Researching: Massachusetts Practicing French culture: Canada Patiently Waiting to Begin New Venture: France (the other red, white and blue) and do everything all over again in a different country and different language.

First, around 2006, life directed me to start researching panic attacks and anxiety because while in Chicago I was very unhappy or depressed about a new city I did not know. I was listening to Missy Elliot's Moving On and had the longest one to two hour crying session that tears could literally fill a water pail. I was moving back to Washington, DC. I did not know the reason why, but I guess life saw something coming. Then in 2007 after my trip to Italy and Aruba and doing espressos, chocolate and alcohol, which never affected me before. No family member or anyone that had the condition did not warn me about what happens. The Atlanta home in Tucker, GA was for my love Monica, Philip, and me, and the kids we discussed having. At work at the US Department of Defense in Crystal City, I was working and something started happening while sitting at my desk. It was a calamity of emotions, deep suppression of being assaulted at work, stress of buying a new $600,000 DC home out of anger that the Atlanta $350,000 new home did not listen to my inspector's requests, and my brain all of suddened felt like it flipped. I calmly left work, but it was a scary thing. I was screaming and yelling out of my Ford Expedition at signal stop lights or traffic. I was driving through DC streets afraid to head back to my house in Fort Lincoln/Woodridge and went to my grandparents home in Petworth. Oh my God, my grandparents tried to calm me down, but I was screaming and yelling and they were telling me drink water, drink water. I was scared. My grandfather took me to Providence hospital and they initially confirmed it was anxiety. I was so ready to run from the hospital. So I called work and told them, 'I quit', but I got medicine to calm me down. It happened on a Wednesday or Thursday because I had time to recover. I did return to work the following Monday, but it was deeply quiet. I talked to the managers about the hit, but it seems for the remaining of my contract work I hardly could not do anything but have conversations while breaking down in tears. My contract ended in December 2007 and Northrup Grumman never did turn me permanent after I told them what Karl Kawano (a Hawaiian US Marine) did and everyone else (Ivory Banks served in US Navy and her husband - Mr. Donnie Banks, Mogana served in US Army, Chris served in US Marines, Ethan - an asian dude, a civilian India dude) defended his actions on assaulting me in the chest because I said, "Hello." in the hallway right outside the SCIF next to the elevators. I did called 911, but they did not come out because I was not injured. They all said and believed I was crazy because I was attempting to connect with them on creating a professional relationship based on various topics. At the same time, I did not pay enough attention to politics and the news. The United States was heading into an economic downturn. I could not find another job or contract after December 2007 so which lead to losing my 3222 Theodore R Hagans Dr NE home to foreclosure and all my stuff in PODS New Jersey thinking I was going to New York. For 3222 Theodore R Hagans Dr NE and I am still the first owner, the one who designed the house, and still use the address. I tried to rent it out, but I was not marketing fast enough. I went on a date with one of the Speed sisters, thought about the date hard, and then wrote a long, crazy detailed email about marriage, having kids, etc, from one of America's pressures to project a certain image. I tremendously had hard flashbacks on my previous relationships, such as loving Monica and kissing Kim.

In 2008, another whirlwind of losing control came and it was big. I did go to New York and stayed with Jewish guy in Harlem for a month, but my mind said return back to Washington, DC to 3222 DC home. I was getting treatment through DC Department of Mental Health on K Street NE, Kaiser Permanente when it was on North Capitol St NE, George Washington University Hospital and Washington Hospital Center. Something was happening physically, my body worked out so much mentally and physically, it said rest. I loss lots of time in resting. My largest rest period was sleeping for a full week. I use the medicine Klonopin and I fell asleep on Monday, did have intermittent wake ups to eat, drink and bathroom breaks, did not come back to norm until the following Sunday. During that rest period, my visions especially when I thought I open my eyes and could not see anything, I saw wars, heaven, hell, earth, the universe, the entire bible, and the foundation structure my mother brought me up on. It was a scary feeling because I tried to wake up and open my eyes, but when I thought I opened them, the vision is all I saw...nothing of today's reality. I experienced a serious loss of communication. I did bring my friends, and some family members to see the home. I met the neighbors. For some odd reason, my mind or it was injected thought go to New York. Mind you, my Ford Expedition is broken down in 3222 DC home garage, I had no job, and no money. Guess what my body did, it started the path of walking Route 1, it was a cool fall week around 60s...I was only drinking water. I only had a short sleeve t-shirt, abercrombie pants tie with shoe string, no underwear, and shoes without laces. I kept doing number 1 inside and outside my pants. I never had to do number 2. I loss track of time while walking Route 1. I remember WMATA bus did give me a ride up to Laurel. I just kept walking and no rest and the street signs kept saying Washington Blvd/Baltimore Ave. I did stop to a Goodwill Thrift store asking for a coat. Thank you Goodwill for the coat. It became night and I saw the beaming glow of Baltimore, but mind said, 'It was hell.' I diverted and headed onto the Interstate 695 trying to find Interstate 95 to New York. I got on the Interstate and it plenty of back and forth. A guy did stop and asked me where I was going. I just kept jumping in and out of his SUV, and not saying nothing...the I saw a vision of 'crack and cocaine' if I rode with him. I got out. I kept walking. Someone called 911 while I was walking and ask if I needed help. I ran on the opposite side of traffic because a thought of suicide came to mind. I never thought of suicide or hurting myself ever. But everyone stopped, looked, and got out and held me down until an ambulance came. They kept asking me my name since I did not have any identification or money on me. My mind kept saying give another name, but nothing came out, I thought about saying Kenneth. Another push of the entire Library of Congress came through me. I went to MedStar Harbor / Franklin Medical Center Hospital in Baltimore, MD, and it was happening at the time of voting and the Presidential Election because that was on television (Obama's re-election moment). MedStar Harbor Hospital / Franklin Medical Center confirmed I had schizophrenia and depression. People were talking to me, but I could not say a thing. They did a MRI and inserted dye into my brain for anything wrong. Nothing was abnormal. They did have strapped to the bed because the yelling and screaming returned. After a week at MedStar Harbor / Franklin Medical Center Hospital, they sent me to Sheppard-Pratt Psychiatric Ward. It was definite different. I got further needed rest. However, the nurses, case worker, and doctors did find out who I was and started me on Eli Lilly's Zyprexa 20mg and Celexa 20mg. I was slow and drowsy as heck and can only do one task for the day. My daddy (not my biological father) and his wife came and got me. I stayed with them in Upper Marlboro, MD and yes, they did get the funk of homelessness because the medicine knocked me out so hard I could not bathe as I normally do or change clothes as often. After DC Mental Health Dept, Kaiser, and MedStar Washington Hospital Center treatment plans and reducing the medicine, my final psychiatrist stated I needed to ween off the medication. He did not say why, but I guess the medication had some after effects. I applied for Social Security Disability and SSI, and was denied because of age, education, work experience, and illness not severe enough.

In 2010, I recovered and back to life living independently again and moved back to Washington, DC in an apartment and working for US Department of Transportation.

In 2012, I moved to Connecticut for United Technologies - Pratt and Whitney opportunities. I got an apartment and then the company I was with was not to be trusted because the work was only for six months and my apartment lease was a year. Infotech Enterprises (now Cyient) stated it was a year contract. So life threw me for a loop. I had to think fast so I moved to New York City, Manhattan, Chelsea area. Yes, I was living out of my Mercedes-Benz vehicle along with hotels, motels, and rented a room in Connecticut. At the same time, I was taking my medicine at night. However, with New York, so much was going on and so fast, I kept up, but I became mentally sick/ill when my work ended and no more money came. I had to think fast. My vision with New York and Connecticut was that I was a real Superman. I felt big, so powerful, like a Greek god, so affluent, and heavy spender thinking I was on top of my game and another job will come. I went from working out at Planet Fitness to the luxurious Equinox gyms. I was running and competing with teams. It was New York...nobody can compete. One evening in my sleep when all the voices in my head were swirling at a minimum, a large heavy voice said - Harvey, Illinois. Since the Mercedes-Benz failed emissions and I was out of work, I could not take the car or afford the payments anymore and car was repossessed, and I told all the MB USA headquarters and dealers that touched that car what a very bad experience that car and I had. In New York, you saw everything people giving, people taking, people in the nude, people dealing drugs, people drinking, people smoking, professional people who were homeless but was able to have new attire/underwear on a consistent basis, people in fashion, LGBTQ community, visitors/tourists, accidents, horns blaring, cops everywhere, filming movies/videos, festivals, parades, people yelling/arguing, kids all over the place, etc. My brain was processing it all. Since I made a decision not to take the car with me to Illinois to get to know my biological father's family, so as a part of illness, I had to physically toss some items that were true memorabilia and all my textbooks purchased from University of Phoenix in Connecticut's recycling and trash center. Someone caught me tossing the books and stated there was a stand or section I could donate the books. I lost some more precious stuff. So I bought a large army bag, Amtrak ticket, Armani bag, and TCS backpack, and headed to Illinois via Washington, DC. I did not tell the biological father's family I was coming...something indicated to me to see if they even accept me as family as I never lived with any of them.

In 2015, it was one hell of a year plus 2016 as hell went on. The Amtrak ride and community was tough. It was hard to sleep. I got there to Chicago. I made some calls. The first thing came out of everyone's mouth, "You did not tell us you were coming." I stayed still for a couple days at an aunt's house. I started doing paperwork and doing the stuff I did everywhere else. I even went back to Downtown Chicago and spent time in an old neighborhood. I started looking for work. I was still on my medications, but I was weening off. I felt very different and mentally ill. My medication was doing something different at a reduced dosage of 10mg. A good friend of mine was working and living in Kenosha, Wisconsin, and I was the godfather to her daughter. I applied to Amazon and got the job, but I stayed with her for a little while and could not stay because my friend (she) was going through professional job changes. I got the job a Moaz Vegetarian at Fashion Outlets of Chicago (Rosemont Mall). It was good and fun. I was taking the storage drives of information and data, and sending the photos, resumes, and stuff I was hoarding since 1999, when the invention of the digital cameras and camera phones started taking place. I sent back every picture to my friends, my biological father's family, my Nelson family, my maternal mother's family, and did not make it send New Jersey back the photos. I sent my resumes to all the churches I attended in South Carolina, Georgia, and Washington, DC. And at the mall while working at Moaz, I had the test to see if I still had mental illness. So someone brought me some Lindt chocolate, and it tasted so good. I went started eating the chocolate, and limited intake of caffeine while on the medication once a week. Oh my god, life and everyone I sent information too sent back the largest anxiety and hurt, I ever felt. The severe illness started March 27, 2016, then the severe onset happened Sunday, April 3, 2016 and lasted until April 10, 2016. The visions this time came pushing all the technology, such as facebook images, all the photos images, all my passwords, all my usernames, all superstitions, all the laws, whitman walker's we see you (I never knew the slogan), etc. I was sitting, nodding in and out of consciousness at various Starbucks, and Barnes and Noble bookstores, and I felt the power of the Catholics doing an exorcism of pulling my soul away from my body...and saying he is ready because the name of Cross schools came through a different way. The cops asked me if I murdered someone. I told them, "No." and my mind started racing again. Another suicide thought was being pushed to jump off N Wells Street bridge into the river...and I was literally standing at the edge of the bridge and looking at the water...later my mind returned me back to N State St bridge...again staring at the water preparing to jump. The flashback I heard as a kid was to my cousins Thurl, Marcus, and Arnold's father nicknamed Orange's story of jumping off Cross/Pineville bridge and drowning. At the library, I was nodding off hard and people were circling me to take my things. I was running up and down every street and block from Roosevelt and S. Clark St all the way to N Halsted St and W Fullerton Ave. Time was lost....night and day happened three times in one setting while riding the bus. Communication was lost because phone had all these options I did not remember turning on. The voices I heard was every single person from facebook, google, yahoo, all my families, all my friends, former colleagues, former classmates, Barack Obama, and the negative voices, such as I killed my mother by thoughts or childbirth, and then came the heavy voice at the end - Washington. My mind was racing so fast that I was running into things. I was crossing the streets while sleeping wide awake. Then a heavyset of reality aches, pains, and raw emotions fell upon me like I was about to be a cripple. Northwestern, Rush, and University of Illinois nursed me back to health, but confirmed my mental illness (schizophrenia, bipolar disorder, anxiety, and depression) came directly from the family and all biological connections. I applied for Social Security Disability and SSI again - I was denied because of age, education, and work experience - my illness was not severe enough. Then, when all was settle and done, a cartoon repeatedly kept playing in my head with Lincoln and Washington playing ball like we were kids. April 3, 2016 is a date I will forever remember and stress to anyone I am not speaking to like I did before. I became a full fledged, non-caring adult like everyone else in the world. On and after April 3, 2016, I do not care about money, bills, any responsibilities, materialistic things, people, etc. If I am not interacting with you like I did before, I am combination of mother and father, but I am not either of them so do not expect what they did to you from me! Both mother and father has passed away, I am living for me, I am taking care of me. All decisions and blame stated I was the one to create the loss, I was the one that made people angry, I was the one that did the mistake, I was the one that caused all this, so I will be the one to move forward to a life I want and need. Yes, I own up to it and accept it. It will never happen again like this for the remainder of my life with the exception of doing it all again in Europe. Again, harder flashbacks happened regarding my previous relationships, again loving Monica hard and other girls that I fell for. I just never returned back to Atlanta.

In 2016, I returned back to Washington, DC acting like nothing happened. I applied for Social Security Disability and SSI again - and denied because of age, education, and work experience. I went back to work at the Pentagon, they invited me to work and within two weeks assaulted me a 2nd and 3rd time assuming the same result. I told this time and they took my clearance. I quit. The lawsuit case went further this time than the first. However, I did not get anything money wise or job wise, they did not fix my clearance, and here are the published files for anyone who have been assaulted by a military person or civilian contractor. Make sure you file under the Federal Claims Tort Act (you have to bring it up administratively through the US Dept of Defense before pursuing a civil suit). These are the files and links to the documents. Good luck to the next person or next generations. I met John, 77 years of age from Massachusetts, from my Washington Hospital Center Intensive Outpatient Therapy and he showed me I will be okay by myself as long as I have that one friend by my side and continue to take care of myself. The remaining crazy behavior I am left with is talking to myself or outloud quietly with mannerisms. I did admit to 9-1-1 about wanting to kill someone for upsetting my safe space, and sent MPD an email about someone murdering someone on a particular street.

In 2019, after one thousand plus (1000+) sex adventures and partners, the sex machine (me) had to pause the sexual activity June 2019 because New York, Atlanta, District of Columbia, Connecticut, New England, that unnamed city starts with "C", Midwest, and Maryland were sending people - two and three partners a week. Thanks Atlanta, Georgia for my paid, private sex worker days (undercover as a message therapist) - I was my own pimp. Yes, I thank the good Lord the ability to use all my blessed body parts to ensure every sexual or non-sexual partner have a happy ending. My job for adults over age 18 to make you nutt (necessary) or feel my nutt (not necessary). Yes, the mental illness medication at a higher dosage did slow down the activity and I played with Cialis and Levitra, but I really did not need Cialis and Levitra because it gave me a headache at any dosage and my penis hard for days close to a week. I was happy with my natural erections. Yes, if I stayed a paid sex worker I could have been a millionaire by now, but life did not want me to make money that way including for all the rules and laws I was breaking. I never pay for sex, but I will accept any complimentary funds or tips for my sexual actions. However, those humans showing their blessed goodies in good way on a stage or pole, I will be the first to step up to place and give those dollar(s) where it will be happy and get my feel of those parts. Another part of mental illness and before technology, I was actually keeping track of each and every partner details just so I could track back any possible STDs, then technology came and I tracked them in notepad and outlook personal information manager, then life stated I did not need to keep track of anything while I kept testing myself and taking care of myself. Again, for any relationship partner, I never cheated on you, all my sexual experiences and energy went directly to you when the decision to become monogamous, and the minute I left or you left the relationship I went back to my old ways.

--------------------------------------------

I have finally graduated from the University of Phoenix with a Doctor of Management. Yes, I am Dr. Collins. I have a hardcopy of my work published by ProQuest, copyrighted by me on record at the United States Copyright Office, and stored at Library of Congress. I did get my diploma in the mail and has been shown in previous post.

My celebration is small. If anyone who is not a doctor and knew me before I was a doctor calls me doctor, I will throw every fruit and vegetable to you and save the watermelon for last...ROTFL...Keeping it 100! I am still Manley or Marvell.

Law Schools for 2019-2020 Admissions Cycle Albany Law School - Applied - Transmitted Sent Boston College Law School - Applied - Transmitted Sent Charleston School of Law - Applied - Transmitted Sent Columbia University School of Law - Applied - Transmitted Sent Harvard Law School - Applied - Transmitted Sent University of South Carolina School of Law - Applied - Transmitted Sent Stanford University Law School - Applied - Transmitted Sent Yale Law School - Applied - Transmitted Sent University of Toronto Faculty of Law Osgoode Hall Law School, York University

Student loans fiasco. I am graduating with $130K in student loans with University of Phoenix has $85K of it, but I had suspect the University was going through something with so many campuses closing and downsizing. I was on track to do a civil lawsuit in Arizona (superior/circuit and federal court), and make available a class action suit for time spent and stress. However, God worked in mysterious ways....I give credit to the Federal Trade Commission, NBCNews, and Twan (a South Carolina friend) for letting me know University of Phoenix has to cancel student loan debt from students enrolled from 2012 to 2016. Since I was a student enrolled from 2011 to 2019, we are keeping fingers crossed, hair crossed, legs crossed and whole lot of prayers to see the outcome. University of Phoenix does not have a career center or career advisors so I am fishing on my own to find some type of job that can validate the doctoral degree. I have no employment at this time. This is the response I got from University of Phoenix Student Financial Services, "The settlement with the FTC only applies to outstanding invoices with the University of Phoenix for students that enrolled between 10/1/2012 - 12/31/2016. There is no loan forgiveness included in that settlement. Since there is no balance due on the account at this time your account will not be impacted by this settlement."

#Schizophrenia Bipolar Disorder Obsessive Compulsive Disorder OCD Anxiety Depression Graduation Commencement law school

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chicagoconsumer1-blog · 5 years ago

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Chicago Consumer Law Center, P.C.

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CCLC’s attorney’s various skills come together to create a team to help our clients achieve the best results. We’re careful about the cases we file and the work we do which shows in the results we achieve for our clients, some of which you can view on the Success Stories page. Bryan Thompson works on collection defense cases but most of his time is spent in federal court when we sue debt collectors and mortgage companies that broke various consumer protection laws. If you want to see how we can help you, call us today at 312-858-3240.

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mfi-miami · 2 years ago

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Illinois Foreclosure Update: NewRez Is Cranking Up Foreclosures

Illinois Foreclosure Update – NewRez Is Cranking Up Illinois Foreclosures For The Holidays! Are You Prepared? Illinois Foreclosure Update – NewRez is cranking up Illinois foreclosures. This is bad news for Illinois homeowners because NewRez is hellbent on seizing your home! Therefore, MFI-Miami has teamed up with the WeissOrtiz Law Firm to create an Illinois foreclosure defense team…

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fuckyeahmarxismleninism · 7 years ago

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Take it to the streets to tear down white supremacy!

Come to Durham Sept 12 and/or host local actions Sept. 11-17 iacenter.org/supportsep11-17durhamweekofaction/

Momentum continues to build towards actions planned in Durham on September 12 and elsewhere around the country throughout that week to build the struggle against white supremacy. Caravans are being organized to join the major demonstration planned in Durham that day. Additionally, solidarity actions are planned in cities from coast to coast. An informal alliance of national, regional and local organizations have pulled together a national call for a coordinated week of actions to topple white supremacy and state repression from Sept. 11-17, in the wake of events in Durham and Charlottesville. Tuesday, Sept. 12, will be the next court date for anti-racist freedom fighters in connection with the toppling of a Confederate statue in Durham, as well as the one-month anniversary of the righteous resistance to white supremacists in Charlottesville and the murder of anti-fascist protester Heather Heyer there. That morning, the community will gather at the Durham County Courthouse at8:30 am before the next court appearance begins. Following the hearing, a march will leave the courthouse and head to Victory Plaza (CCB Plaza) in downtown Durham for a celebration of resistance, in the South and around the country, to the system of white supremacy in all its forms - racist monuments, the prison system, police brutality, deportations and detention of immigrants, the school-to-prison pipeline, and more. Caravans from Baltimore, New Orleans, Detroit, and elsewhere will join Durham activists for an assembly and community gathering. The events in Charlottesville and Durham have lit a spark of resistance across the country to the neo-fascist, far-right, and white supremacist forces who have been emboldened by the Trump presidency. The week of actions, and the demonstration in Durham on September 12, will help to carry the resistance forward. This takes added significance in the face of the Trump administration’s new attacks on immigrants, with the repeal of the Deferred Action for Childhood Arrivals (DACA) program just this week.

Tell us about your action or your plans to join us in Durham! /iacenter.org/supportsep11-17durhamweekofaction/> Onwards to tear down white supremacy! Durham Sept 12 action: facebook.com/events/886520761526422/ Sept 11 - 17 week of actions: facebook.com/profile.php?id=267032350459968

E N D O R S E R S:

Defend Durham Network that includes: Inside-Out Alliance, International Workers of the World (IWW), Ignite NC, Durham Beyond Policing, Workers World Party, Durham Branch, Southerners on New Ground (SONG), Youth Organizing Institute (YOI), Spirit House/All of us or None, Durham Solidarity Center, Redneck Revolt, Fight for 15; Baltimore Peoples Power Assembly; Baltimore Workers Defense Network; Rev. CD Witherspoon, President Emeritus, Baltimore Southern Christian Leadership Conference; Monica Moorehead & Lamont Lilly, Workers World Party 2016 presidential & vice-presidential candidates; Andre Powell, AFSCME Delegate, Baltimore Metropolitan AFL-CIO Council; Anti-Police Terror Project, Oakland; Unión del Barrio; International Concerned Family and Friends of Mumia Abu Jamal; The MOVE Organization; Families United For Racial & Economic Equality NYC (FUREE); USW 8751 Executive Board, Boston Bus Drivers; May 1st Coalition for Worker & Immigrant Rights, NYC; BAYAN, USA; ILPS (International League of Peoples Struggle), US Chapter; Peoples Power Assembly, NYC; Equality for Flatbush, NYC; NYC Shut It Down; Peoples Power Assembly; Hoods 4 Justice; Metropolitan Anarchist Coordinating Committee (MACC); Brooklyn Anti-gentrification Network (BAN); Virginia Student Power Network; UVA Students United; Wisconsin Bail Out the People Movement; Take Em Down NOLA (New Orleans); Peoples’ Assembly (New Orleans); Smash White Supremacy Coalition - Chicago; Roanoke Peoples Power Network; Michigan Peoples Defense Network (MPDN); Moratorium Now! Coalition to Stop Foreclosures, Evictions & Utility Shutoffs (Detroit); Michigan Emergency Committee Against War & Injustice (MECAWI); William Davis, President, Detroit chapter of National Action Network, President, Detroit Active and Retired Employees Association; Women's Fightback Network, International Action Center; Deloyd Parker, Exec Dir of S.H.A.P.E. Community Center, Houston; Philippines-U.S. Solidarity Organization - Southern California (PUSO SoCal); Union of Progressive Iranians; Puerto Rico Alliance; ILPS Southern California; Anti-Racist Action

#DefendDurham #DoItLikeDurham #ToppleWhiteSupremacy #WWP #Takiyah Thompson #protest #arrests #repression #North Carolina #activists #BlackLivesMatter #NoNewKKK #Heather Heyer #DefendCville #confederate monuments

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justsomeantifas · 8 years ago

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Here’s your dose of “What the Fuck Is Going On” News (2/27/2017 - 2/28/2017 Edition)

Trump announced yesterday that he is seeking a "historical increase" in military spending, hoping to book Pentagon spending by $54 billion. The cost of this will be funded through cuts elsewhere in the government, which will include a large reduction in foreign aid. Trump claims that this buildup in the military is needed because it's depleted in a time we need it most. In reality, our military is one of the most powerful in the world and the U.S. spends far more than any other country on defense. (source)

Ken Blackwell, who serves as Trump's domestic policy chairman confirmed that a "religious freedom" executive order is still coming. A draft of the order was leaked a few weeks ago that would allow exemptions for those who oppose same-sex marriage, premarital sex, abortion, trans identity, etc. Blackwell expressed his vision for the bill where he hopes that religious people will no longer be forced to do business with LGBTQ people, a group he doesn't think is a class that is discriminated against. (source)

The Trump administration plans to abandon the federal government's opposition to Texas' voter ID laws, which are considered some of the toughest in the country. Voter rights activists have long opposed this law due to the ways it disenfranchises voters, mainly those with disabilities, minorities, and those in poverty. This should come as no surprise due to Attorney General Jeff Sessions being in favor of such laws. (source)

Yesterday the Senate confirmed billionaire investor Wilbur Ross as Trump's commerce secretary. Ross is now the second member of Trump's Cabinet who was deeply involved in companies that contributed to the housing crisis, joining Steven Mnuchin. He was invested and involved in two companies who were involved in illegal foreclosure practices. (source)

Another executive order was signed today that will revamp or rescind a rule that defined the rivers, streams and wetlands that are protected by the Clean Water Act. The executive order has no immediate legal effect, but instructs the new EPA administrator Scott Pruitt to begin repealing and rewriting the sweeping rule that is designed to protect American waterways from pollution. (source)

Wayne LaPierre, the CEO of the NRA, gave a speech at the Conservative Political Action Conference (CPAC). LaPierre talked about the ban on Trump's executive order that barred travel from seven Muslim-majority countries where he said it was "a form of violence against our constitutional system." He then went on to tell the audience where he encouraged "full force of American freedom guns" against anarchists, Marxists, communists, socialists and other left-wingers. (source)

House Republicans shot down an effort to make Trump's tax returns public and show if he’s hiding any more conflicts of interest. The House voted almost entirely on the party line and rejected the effort. (source)

The White House is expected to investigate the death of Navy SEAL, William Owens, who died in the Yemen raid last month. Owens father has been outspoken against Trump using his son's death to deflect criticism on the raid. Trump went on Fox and Friends this morning where he talked about Owens further and removed himself from the responsibility. He continually cited that "they" wanted the mission, "they" started the mission, and "they" were responsible for Owens’ death. (source)

(Note: this post along with the following are citing Trump interview with Fox and Friends this morning, the transcript can be found here. In the Fox and Friends interview, Trump also said that he believes Obama and his people are responsible for the White House leaks. “I think that President Obama is behind it, because his people are certainly behind it.” Trump offered no proof to these accusations.

Trump was asked about the jobs he has yet to appoint and he responded that he will not be appointing people to certain positions because "they're unnecessary to have." The interviews on Fox and Friends were surprised by the revelation because Trump has not announced that he's cutting the jobs of those he's supposed to appoint.

They asked Trump about his announcement that he is skipping the White House Correspondents dinner. The administration previously put out that Trump wasn't attending because he is "too busy running the country" to waste his time with this, however Trump provided a different answer this morning. He said that it has to do with him not being treated "properly" by the media.

Jeff Sessions announced that the DoJ will stop allocating money to lawsuits against police departments. He said they will revamp the DoJ mission in an attempt to reverse the suffering morale of law enforcement, which, "as a whole has been unfairly maligned and blamed for the unacceptable deeds of a few bad actors." Sessions also stated that he doesn't know how the DoJ will handle the recent Chicago probe that revealed civil rights violations stating that the reports are "anecdotal" and "not scientifically based." He then went on to say he DID NOT EVEN READ THE REPORTS. (source)

Jeff Sessions also made comments yesterday about his desire to crack down on states who legalized marijuana. He said that it's "an unhealthy practice" and "we're seeing a real violence" from those who use it. (source)

And now your daily reminder that: Flint, Michigan still doesn’t have clean water. Standing Rock still needs your support. The American infrastructure report card still averages poorly with the rating of a “D+” On 2/26 another Jewish cemetery was attacked in an act of anti-Semitic vandalism, here is their donations page.

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loubrydgesassociatespc · 3 years ago

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Lou Brydges & Associates, P.C.

Lou Brydges and Associates have extensive experience handling foreclosure defense, eviction, personal injury litigation and real estate transaction matters for clients throughout Chicago and the surrounding suburbs.

Address: 1585 N Milwaukee Ave, #14, Libertyville, IL 60048, USA Phone: 847-680-6250 Website: https://www.brydgeslaw.net

#Real Estate Lawyer #Foreclosure Attorney #Loan Modification #Real Estate Attorney #Lawyer

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nightmare-afton-cosplay · 7 years ago

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Rent Controls, a Bane of Landlords, Are Gaining Support as Costs Soar

FREDERIC J. BROWN/AFP/Getty Images

Calls for rent-control legislation are growing across the U.S. as apartment tenants endure sharply rising rents and memories fade of the downsides of price caps.

Lawmakers and advocates in California, Illinois and Washington state are pushing to repeal state laws that forbid rent control or place limits on cities’ ability to regulate rent increases.

A similar initiative in Oregon was narrowly defeated last spring. Boston, meanwhile, recently passed a bill that restricts landlords’ ability to evict tenants, although the legislation still requires approval from the state legislature.

From 2000 to 2016, median inflation-adjusted rents in the U.S. jumped 15% to $980, while renter incomes declined slightly, to $37,300 from $38,000, according to Harvard University’s Joint Center for Housing Studies. Some cities, such as San Francisco, Portland, Sacramento and Seattle, have logged annual double-digit increases at various points during the past few years. While rent increases at the high end have slowed recently because of a flood of new luxury supply, increases for midprice properties have shown little sign of abating.

“We cannot build our way out of a crisis of this proportion,” said Elena Popp, founder of the Los Angeles-based Eviction Defense Network, one of the groups pushing for stronger rent-control laws in California, along with ACCE Action and the AIDS Healthcare Foundation. “Expanding rent control is the best way to protect affordability.”

Any moves to impose caps would come as a new tax overhaul takes effect that reduces tax incentives for homeownership. If rent caps are put in place, the balance could shift even more toward renting over buying.

Price pressures have been increasing since the latest recession. Cities from San Francisco to Boston to Chicago have seen an influx of young, educated workers who are eager to rent apartments near downtown amenities. At the same time, there has been little apartment construction targeted to moderate-income residents, partly because of rising construction costs and tight building regulations.

“I don’t blame some people for being upset about [rent increases], but they don’t look at the root causes,” said Douglas Bibby, president of the National Multifamily Housing Council, a landlord group.

Wall Street investors, meanwhile, bought thousands of single-family houses out of foreclosure during the housing bust—although they continue to own a small percentage of the overall stock—and some have been criticized for jacking up rents too aggressively.

California is set to be the largest and most important battleground for rent controls this year. Advocates for low-income residents in less than a month have gathered more than 100,000 signatures out of roughly 365,000 required to put a measure on the ballot in November that would repeal a 20-year-old bill that places statewide limits on rent control.

If that is repealed, California cities would be able to impose rent control on apartments built after 1995 and on single-family rentals, a key issue for advocates who say large private-equity companies bought up homes during the bust and have been raising rents more aggressively than mom and pops.

Sheri Eddings, who lives in a single-family rental in Los Angeles owned by Invitation Homes, said since she has lived in the home they twice have tried to increase her rent by $500 a month over the course of two years. She pushed back and the increase over the next two years is closer to $360 a month. “Right now, renting in L.A. is scary,” she said.

A spokeswoman for Invitation Homes said in the time Ms. Eddings has lived there her rent increases have averaged out to less than 5% a year. “Our rents are set in line with our local markets and are dramatically lower on a per-square-foot basis than apartments.”

The current law also gives landlords the right to raise rents to market each time tenants move out, which owners say is critical because those market-rate-paying tenants subsidize those who have lived there for years and pay significantly less.

Earle Vaughan, president of the Apartment Association of Greater Los Angeles, which has rent control for older multifamily buildings, said in one of his buildings two tenants who pay market rents of $1,895 for a two-bedroom unit subsidize six others who pay $1,200.

“Our small owners get vilified. … I’m the definition of an affordable-housing provider,” Mr. Vaughan said. Without the ability to raise rents to market, “over time you will bankrupt me,” he said.

Landlords plan to oppose the measure by saying the state needs more development, which could help bring down prices. But that may be a tough sell in California, where homeowners and renters alike are often wary of additional density.

“I think at the very heart of this is you have to build and you have to build fast,” said Tom Bannon, president of the California Apartment Association. He acknowledged that idea is highly unpopular.

The beginnings of rent control date to World War II in New York City, when labor and material shortages because of the war meant little new housing was being built and policy makers sought to avoid a rental affordability crisis. An emergency measure to curb rent increases effectively became permanent, though the number of units it covers has declined over time.

Economists generally have a dim view of rent control, which they say restricts supply and drives up rents for tenants who don’t live in regulated buildings.

A working paper released in January by Stanford University economists found that from 1995 to 2012 rent control in San Francisco helped residents in rent-controlled apartments, increasing the likelihood that they would stay at their address by nearly 20%.

But the study also found that rent control hurt the city overall by making landlords more likely to convert their apartments to other uses and deplete the housing stock, leading to a permanent citywide rent increase of 5%.

“Tenants benefited dramatically when they were covered by rent control,” said Rebecca Diamond, an assistant professor of economics at Stanford and one of the authors of the paper. “We don’t really share it as a society.”

In Washington State, lawmakers in the house and senate have proposed legislation to remove a statewide ban enacted in 1981 that forbids local jurisdictions from enacting rent control. The bills aren’t poised to be voted on this year, but Brett Waller, director of government affairs at the Washington Multifamily Housing Association, said he expects them to come under serious consideration for a vote in the next session.

In Illinois, bills have been proposed in the state house and senate to lift the 1997 ban on local rent control ordinances. Voters in some parts of Chicago will also be able to vote in March on a nonbinding ballot question about whether to lift the ban.

“We view it as a serious challenge,” said Michael Mini, executive vice president of the Chicagoland Apartment Association.

The post Rent Controls, a Bane of Landlords, Are Gaining Support as Costs Soar appeared first on Real Estate News & Insights | realtor.com®.

from https://www.realtor.com/news/trends/rent-controls-bane-landlords-gaining-support-costs-soar/

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michaeljames1221 · 4 years ago

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Lehi Utah Foreclosure Lawyer

Lehi is a city in Utah County, Utah, United States. It is named after Lehi, a prophet in the Book of Mormon. The population was 47,407 at the 2010 census, up from 19,028 in 2000. A more recent 2018 estimate reports a population of 66,037. The rapid growth in Lehi is due, in part, to the rapid development of the tech industry region known as Silicon Slopes. The center of population of Utah is located in Lehi. Lehi is part of the Provo–Orem Metropolitan Statistical Area. A group of Mormon pioneers settled the area now known as Lehi in the fall of 1850 at a place called Dry Creek in the northernmost part of Utah Valley. It was renamed Evansville in 1851 after David Evans, a local bishop in The Church of Jesus Christ of Latter-day Saints (LDS Church). Other historical names include Sulphur Springs and Snow’s Springs. The land was organized into parcels of 40 acres (160,000 m2), and new settlers received a plot of this size until the entire tract was exhausted. There was little water to irrigate the rich soil, so it became necessary to divert a portion of American Fork Creek. Evansville consumed up to one-third of the creek’s water, as authorized by the Utah Territorial Legislature. The settlement grew so rapidly that in early 1852, Bishop David Evans petitioned the Utah Territorial Legislature to incorporate the settlement. Lehi City was incorporated by legislative act on February 5, 1852. It was the sixth city incorporated in Utah. The legislature also approved a request to call the new city Lehi after a Book of Mormon prophet of the same name. The downtown area has been designated the Lehi Main Street Historic District by the National Park Service and is on the National Register of Historic Places.

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Salt Lake City receives millions of visitors a year. If you are going to be one in 2019, choose to stay in a hotel in Lehi! Lehi has more affordable accommodations, is in a central location, between Provo and Downtown Salt Lake City, and has dozens of attractions and outdoor activities close by. Here are main reasons why you should choose Lehi as your main hub when you visit Utah next.

Lehi has a variety of hotels to choose from for your next stay, from Hilton to Marriott and several others. One major benefit to staying in Lehi is that the hotel rooms are more affordable and still offer all of the benefits as the hotels in Salt Lake City. It is less crowded and overall makes for a more enjoyable experience!

Lehi could not be more perfectly located! It is in the middle of Salt Lake City to the north and Provo to the south. Because of its central location, it is easy to get around the valley, especially when using the FrontRunner. The FrontRunner station is conveniently found right next to Thanksgiving Point (mentioned below) and can get you to the heart of Salt Lake City in about 40 minutes. The FrontRunner can also take you down south to Provo to explore the famous Brigham Young University and bustling Downtown Provo.

Thanksgiving Point receives over 2,000,000 visitors each year. There is so much to see including the Museum of Ancient Life, the Museum of Natural Curiosity, the beautiful Ashton Gardens, golf, a brand new Butterfly Biosphere, and so much more. It is a large venue that is family-friendly and offers many ways to learn and experience Utah in a way you can’t find anywhere else. It is right next to the freeway and the Outlets at Traverse Mountain, so it is easy to find and access and makes a great day trip close to your hotel.

Lehi has many great food places to offer, from your favorite chains, to amazing local favorites. They are constantly getting new places to try, as the area is seeing a lot of growth, ranging from cheaper more casual dining to fine dining experiences. Some worth mentioning are Tsunami Sushi Bar and Grill, Zulu Piri Piri Chicken (African cuisine), Rising Bun, Pizza Studio, and JCW’s. With all of the restaurants you are sure to find something that the whole family will love and enjoy.

The Outlets at Traverse Mountain are located right off the freeway, across from Thanksgiving Point, and offers amazing stores that will satisfy your deepest shopping needs, and not at crazy high prices like many stores in Salt Lake City. The Outlets at Traverse Mountain’s motto is that they are “Utah’s most beautiful place to save.” They have high glass ceilings to let in the natural light but keep you dry no matter what the weather is like outside. In this beautiful environment, you can always find great deals so you can shop and feel good about it, too!

If you’re visiting Utah, chances are you want some great outdoor adventures! Lehi is a short drive into the mountains and is close to many breathtaking drives and hikes. The Alpine Loop Scenic Byway provides many beautiful sights and is the start of adventurous, as well as family-friendly hikes, such as Stewart Falls, Horsetail Falls, and Cascade Springs. If you are prepared, you can spend a day hiking to the top of Mount Timpanogos. You also must check out Timpanogos Cave National Monument, Tibble Fork Reservoir (for kayaking, swimming, and more) or drive further south to Sundance Mountain Resort for skiing and numerous other activities! If you want a wild adventure, check out the Flight Park at the point of the mountain!

Lehi is the 11th largest city in Utah with an estimated population of 62,712. The median age is 24.7 and the median household income is $81,013. There are approximately 14, 379 households located in the Lehi with an average of 3.91 people per household. (2018 Data) The median property value in Lehi is $265,800 and the homeownership rate is 80.3 percent. Lehi is located in Utah County, UT and borders cities such as American Fork, UT; Draper, UT; Bluffdale, UT; Highland, UT; and Saratoga Springs, UT. List of all the Neighborhoods in Lehi.

The community is made up of over 23 different neighborhoods covering 26.7 square miles at an altitude of 4,564 ft. Moving to a new city has its advantages because you can pick which neighborhood you live in and what type of people you want to associate with. Smaller towns and cities lack what Lehi provides. Below is a list of all the neighborhoods located in Lehi along with a description of the area and its location in relation to other larger surrounding cities. • Cedar Hollow Neighborhood • Central West Neighborhood • Courtyard Cove/Foxborough Neighborhood • Eagle Crest Neighborhood • Fox Run Neighborhood • Gray’s Farm Neighborhood • Jordan Willows Neighborhood • Lehi Central Neighborhood • Lehi Ranches Neighborhood • North Lake Neighborhood • Olympic Park Neighborhood • Pheasant Pointe Neighborhood • Pilgrims Landing Neighborhood • Point Meadows Neighborhood • Railroad Street Neighborhood • Skyridge Corner Neighborhood • Snow Springs Neighborhood • Spring Creek Ranch Neighborhood • Sunset Drive Neighborhood • Sunset Hollow Neighborhood • Traverse Landing Neighborhood • Utah Highlands Neighborhood • Yorkshire Neighborhood

According to the U.S Census Bureau, Lehi is the fifth fastest-growing city in the United States. The city has more than doubled in size in the last decade due to several landmark companies, such as Adobe, I.M., Microsoft, Vivint, Oracle, Xactware and Xango laying roots there. Lehi’s most notable attraction is Thanksgiving Point, which offers various museum experiences, botanical gardens, shopping and restaurants for the whole family to enjoy. Lehi is a very beautiful city and has many diverse attractions with the mountains, lakes, reservoirs, resorts, national parks, desert, and shopping within reach of you in only a matter of minutes!

Lehi received a crime rate of 121.8 which is astoundingly lower than the US average of 280.5. Within 2016 there were 0 murders, 36 rapes, 8 robberies, 33 assaults, 130 burglaries, 599 thefts, 40 auto thefts, and 1 arson attempt. This is considerably lower than, for example, Chicago which had 765 murders, 1,568 rapes, and 12,000 robberies in 2016. Compared to those numbers, Lehi seems like a pretty safe place to live! There are also many opportunities to volunteer and join a service organization within Lehi. These organizations provide support and encouragement to those residents who need it the most.

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Find out from the locals how much groceries are, average rent/mortgages, property expenses, taxes, etc. The better idea you can get before arriving, the more prepared you can be—and also the more negotiating power you’ll have when you’re determining what to request for your salary if you are moving here for work. The cost of living index will help you understand if you can afford to live in Lehi, Utah, how this city compares to other cities within Utah, and how Utah compares to others in the USA. Take the cost of living seriously and it could save you lots of money in the long run. Currently the cost of living index for Lehi is 111.8 which is slightly above the average across the United States.

Things To Do in Lehi, Utah • Thanksgiving Point • Ashton Gardens at Thanksgiving Point • Museum of Natural Curiosity at Thanksgiving Point • Hutching Museum • Neptune Park • Traverse Mountains • Wines Park • Olympic Park • Children’s Discovery Garden

What Are the Stages of the Foreclosure Process?

If you’re struggling to make mortgage payments and have missed one or more, you may be wondering what it’s like to go into foreclosure, as a last resort. The mortgage foreclosure process is a long and drawn-out one, and the exact steps vary from state to state. In some states, foreclosure requires a court hearing, and borrowers have the chance to contest the action and even raise defenses. In others, the bank can foreclose on the property without any judicial intervention. Hearing or not, a foreclosure action can cause you to lose your home. It can also have a long-lasting impact on your credit score.

Stages of Foreclosure

The exact foreclosure process is different in each state, but generally, you can expect it to look something like this: • Default and notice of default • Foreclosure filing and trial • Notice of sale and sale of property • Eviction Not all borrowers will go through each of these steps. A foreclosure filing and trial are only necessary in states where a judicial hearing is required.

Default and Notice of Default

The first thing that happens in the foreclosure process is that you enter into default. “Default” essentially means you’re late on your mortgage payments—what most lenders refer to as being delinquent. Law dictates that a lender must reach out to a borrower once he or she is 36 days behind on mortgage payments. By 45 days, the lender must provide written notice of the default, including details about any loss mitigation or repayment options the borrower may be able to use. A borrower has to be at least 120 days behind on his or her mortgage for the lender to start the foreclosure process legally.

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Foreclosure Filing and Trial

If you’re in a judicial foreclosure state, the next step is the foreclosure filing. The lender will file a foreclosure lawsuit against the borrower, also called a “complaint.” In some states, lenders need to prove that they offered the borrower loss-mitigation options before filing suit. The foreclosure suit will go before the court, and borrowers have a right to contest their foreclosure and raise their own defenses. If the court rules in favor of the lender, the property can be scheduled for sale.

Notice of Foreclosure, Sale

In non-judicial foreclosure states, there is no trial. Lenders simply issue a “notice of intent to foreclose,” alerting the borrower that the foreclosure process has begun. They will also need to advertise the sale—usually in a newspaper, for at least a few weeks prior to the scheduled sale date. The actual selling of the property is done via auction, and usually by the local sheriff’s department. In many cases, banks and lenders are forced to purchase the properties back due to a lack of buyer interest. These are then dubbed “bank-owned properties” or “real estate-owned properties” (REOs), and the lender then makes efforts to sell those directly to a buyer. Many banks and larger financial institutions list their REO properties somewhere on their website.

Eviction

Once a foreclosed property has been sold, the former homeowner must vacate the premises. If he or she doesn’t, the new buyer legally can have them evicted from the home. The exact process for getting someone evicted varies by state.

Deed in lieu of foreclosure

A deed in lieu of foreclosure is a deed instrument in which a mortgagor (i.e. the borrower) conveys all interest in a real property to the mortgagee (i.e. the lender) to satisfy a loan that is in default and avoid foreclosure proceedings. The deed in lieu of foreclosure offers several advantages to both the borrower and the lender. The principal advantage to the borrower is that it immediately releases him/her from most or all of the personal indebtedness associated with the defaulted loan. The borrower also avoids the public notoriety of a foreclosure proceeding and may receive more generous terms than he/she would in a formal foreclosure. Another benefit to the borrower is that it hurts his/her credit less than a foreclosure does. Advantages to a lender include a reduction in the time and cost of a repossession, lower risk of borrower revenge (metal theft and vandalism of the property before sheriff eviction), and additional advantages if the borrower subsequently files for bankruptcy. If there are any junior liens a deed in lieu is a less attractive option for the lender. The lender will likely not want to assume the liability of the junior liens from the property owner, and accordingly, the lender will prefer to foreclose in order to clean the title. In order to be considered a deed in lieu of foreclosure, the indebtedness must be secured by the real estate being transferred. Both sides must enter into the transaction voluntarily and in good faith.

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The settlement agreement must have total consideration that is at least equal to the fair market value of the property being conveyed. Sometimes, the lender will not proceed with a deed in lieu of foreclosure if the outstanding indebtedness of the borrower exceeds the current fair value of the property; in other cases, a lender will agree since it will likely end up with the property anyway through the costly foreclosure process. Because of the requirement that the instrument be voluntary, lenders will often not act upon a deed in lieu of foreclosure unless they receive a written offer of such a conveyance from the borrower that specifically states that the offer to enter into negotiations is being made voluntarily. This will enact the parol evidence rule and protect the lender from a possible subsequent claim that the lender acted in bad faith or pressured the borrower into the settlement. Both sides may then proceed with settlement negotiation. The Home Equity Theft Prevention Act in New York has created some confusion regarding this frequently-used method of settlement.[citation needed] It is unclear whether HETPA applies to deeds in lieu of foreclosure since there is no clear exclusion as there is for a referee’s deed, for example. The 2-year right of rescission is not a risk that banks or title insurers are comfortable with, especially given the complexities of compliance, so many banks and title insurers in New York are not willing to work with deeds in lieu.

Lehi Foreclosure Attorney

When you need legal help from a Lehi Foreclosure Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

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advertphoto · 4 years ago

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Lehi Utah Foreclosure Lawyer

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What Are the Stages of the Foreclosure Process?

Stages of Foreclosure

Default and Notice of Default

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Foreclosure Filing and Trial

Notice of Foreclosure, Sale

Eviction

Deed in lieu of foreclosure

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Lehi Foreclosure Attorney

When you need legal help from a Lehi Foreclosure Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Foreclosure Lawyer Magna Utah

Utah Supreme Court Case January 2019

Victim HIV Testing

Child Support Calculator

Business Bankruptcy

Utah Divorce Code 30-3-10.5

The post Lehi Utah Foreclosure Lawyer first appeared on Michael Anderson.

Source: https://www.ascentlawfirm.com/lehi-utah-foreclosure-lawyer/

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mayarosa47 · 4 years ago

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Lehi Utah Foreclosure Lawyer

What Are the Stages of the Foreclosure Process?

Stages of Foreclosure

Default and Notice of Default

Foreclosure Filing and Trial

Notice of Foreclosure, Sale

Eviction

Deed in lieu of foreclosure

Lehi Foreclosure Attorney

When you need legal help from a Lehi Foreclosure Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Foreclosure Lawyer Magna Utah

Utah Supreme Court Case January 2019

Victim HIV Testing

Child Support Calculator

Business Bankruptcy

Utah Divorce Code 30-3-10.5

The post Lehi Utah Foreclosure Lawyer first appeared on Michael Anderson.

from https://www.ascentlawfirm.com/lehi-utah-foreclosure-lawyer/

from Criminal Defense Lawyer West Jordan Utah - Blog http://criminaldefenselawyerwestjordanutah.weebly.com/blog/lehi-utah-foreclosure-lawyer

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aretia · 4 years ago

Text

Lehi Utah Foreclosure Lawyer

youtube

What Are the Stages of the Foreclosure Process?

Stages of Foreclosure

Default and Notice of Default

youtube

Foreclosure Filing and Trial

Notice of Foreclosure, Sale

Eviction

Deed in lieu of foreclosure

youtube

Lehi Foreclosure Attorney

When you need legal help from a Lehi Foreclosure Attorney, please call Ascent Law LLC for your free consultation (801) 676-5506. We want to help you.

Ascent Law LLC 8833 S. Redwood Road, Suite C West Jordan, Utah 84088 United States Telephone: (801) 676-5506

Ascent Law LLC

4.9 stars – based on 67 reviews

Recent Posts

Foreclosure Lawyer Magna Utah

Utah Supreme Court Case January 2019

Victim HIV Testing

Child Support Calculator

Business Bankruptcy

Utah Divorce Code 30-3-10.5

The post Lehi Utah Foreclosure Lawyer first appeared on Michael Anderson.

Source: https://www.ascentlawfirm.com/lehi-utah-foreclosure-lawyer/

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