#florida foreclosure fraud | Explore Tumblr posts and blogs

internationalrealestatenews · 9 months ago

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[ad_1] At El Conquistador rental complicated in Kendale Lakes, an legal professional for the affiliation despatched three unit house owners letters accusing them of defaming the board and harassing employees. Farther north, on the Star Lakes rental close to North Miami Seaside, when the affiliation filed a number of foreclosures in opposition to residents over unpaid assessments, it was additionally the lawyer who did the legwork. And in Miami Gardens, on the New World Condominium Flats, a property supervisor allegedly didn't vet an unlicensed roofing contractor, resulting in a fireplace, a lawsuit says. Throughout South Florida, attorneys and property managers play an uncommon position at communities ruled by associations. Attorneys go after residents who're behind on particular assessments and upkeep charges. Property managers ship unit house owners violation notices over all the things from improperly positioned trash cans to cluttered balconies. Although employed by boards of administrators, attorneys and property managers receives a commission through residents’ dues. The job description says they characterize communities as a complete and work for his or her larger good. The issue: Residents really feel some attorneys and managers merely seem to work within the title of associations however cross the road into serving particular person board members’ pursuits. At some communities, attorneys and managers flip a blind eye to boards’ misdeeds. At others, it’s worse: They act as boards’ henchmen, silencing scrutiny via lawsuits and threatening letters, in keeping with courtroom information and interviews with specialists and residents at a number of properties. “Do typically neighborhood affiliation managers and attorneys act within the curiosity of particular person administrators? Completely,” mentioned legal professional Eric Glazer, a rental regulation skilled. “The administration firm and the attorneys are afraid that they're going to get fired ought to they not utterly have the backs of the board members, even when they're participating in wrongdoing.” The extent to which they're aiding corrupt boards is unclear. Attorneys and managers say all their filings are authorized and warranted. Amid skyrocketing insurance coverage prices and strict deadlines to restore and recertify properties, householders’ incessant complaints in opposition to boards scare off underwriters and lenders wanted to finance renovations, attorneys and managers argue. Residents counter that attorneys’ and managers’ work has turn out to be a instrument for boards to quash opposition. At one rental constructing, a former board president filed a criticism in opposition to a resident who suspected board misspending, in keeping with a lawsuit. The submitting seemed prefer it got here from the president individually. Really, the affiliation legal professional penned it, the swimsuit says. The professionals’ position at associations took heart stage on the Hammocks, certainly one of Florida’s greatest householders’ associations. Within the wake of the 2022 felony fraud prices in opposition to 4 former board members, civil fits took purpose at ex-HOA attorneys. On the very least, the legal professionals unintentionally allowed the alleged scheme, and within the worst case, attorneys knowingly performed a job in what occurred, the lawsuits say. Hammocks resident Ana Danton thinks it’s the latter. “The legal professionals are those that helped this corruption,” she mentioned. “And so they paid these legal professionals with our cash.” Danton opposed the previous board and sued the HOA. Fees on charges State regulation has no oversight on affiliation attorneys, who're ruled by the Florida Bar’s Division of Lawyer Regulation. If attorneys learn about board misdeeds, they could be precluded from reporting points to authorities because of attorney-client privileges, specialists mentioned. Legal guidelines require that property managers take licensing exams, and maintain them answerable for accepting kickbacks and commingling funds.

Statutes restrict the state’s jurisdiction over what sorts of gripes it could possibly examine. Attorneys’ and managers’ roles are also outlined in affiliation declarations and retainer agreements. Most of the contracts present for a flat payment, in addition to further prices for sure sorts of work. Therein lies the difficulty. “There's an inherent battle,” mentioned legal professional William Sklar, a rental and HOA regulation skilled. “What occurs is clearly the extra companies rendered, the extra charges concerned.” “That doesn’t make what the legal professional [or manager] is doing unsuitable if the unit proprietor is violating” guidelines, he added. “Do typically neighborhood affiliation managers and attorneys act within the curiosity of particular person administrators? Completely.”legal professional Eric Glazer Communities additionally rent extra attorneys to defend them in litigation or implement collections. On the Star Lakes rental, legal professional Bradley Friedman charged no less than $25,000 for liens and foreclosures over unpaid assessments from late 2021 to late final yr, in keeping with information. Though nothing was improper concerning the filings and prices, residents on the complicated have been indignant that former board members imposed $3 million in assessments but didn't make repairs. “I take my moral duties critically, and clearly as an affiliation legal professional you converse with the board of administrators, however your responsibility is to the affiliation, not a person,” Friedman mentioned, including that he was talking typically and never particularly about Star Lakes. In affiliation disputes, the loser is answerable for legal professional charges. Even when householders win a case, they could possibly be on the hook if associations hike assessments, mentioned legal professional James Bishop, who represents unit house owners in fits with associations. “The statute itself creates a whole lot of incentives for attorneys and associations to work collectively in opposition to residents,” he mentioned. The Hammocks is probably going the primary main case the place attorneys have been accused of wrongdoing. David Gersten, the court-appointed receiver overseeing Hammocks affairs because the arrests, filed 4 fits in opposition to attorneys. Two settled, and two are preventing again. In 2020, the previous Hammocks board retained Rasco Klock Perez & Nieto and Hilton Napoleon II to assist battle the Miami-Dade Police Division, which was then poking into the HOA. The attorneys sued detectives trying into ex-board President Marglli Gallego, and aimed to “silence dissent” by suing residents who suspected her of wrongdoing, Gersten’s swimsuit says. Affiliation legal professionals additionally waged courtroom battles when investigators subpoenaed information. The affiliation paid $1.5 million, mixed, to Rasco Klock and Napoleon, in keeping with the criticism. Todd Boyd, Rasco Klock’s legal professional within the case, mentioned he has requested Gersten for proof to assist the allegations however that to date none has been offered. “I haven’t discovered something that will create legal responsibility on the a part of Rasco Klock,” Boyd mentioned. Napoleon mentioned that all the things he did was justified. The receiver hasn’t “recognized one doc that I used to be imagined to go and see to point out that they [the board] have been truly stealing cash,” Napoleon mentioned. Moreover, investigators’ information requests have been illegally burdensome and broad, he argues. The Hammocks initially offered a batch of 12,500 information, which took practically 1,700 hours to compile, he mentioned. As a result of investigators hadn’t paid for these information, the Hammocks board declined to supply one other requested batch of 11,000 information. “The board made each choice. I don’t have the paperwork, and I don’t have the authority to stroll into a corporation and inform them to surrender all of these information,” Napoleon mentioned.

A part of the difficulty is that the Hammocks, a 6,800-acre neighborhood with 44 sub-associations, saved information on paper, making the seek for the requested paperwork lengthy and dear, he mentioned. “It’s simple for individuals to simply throw out these blanket allegations and say, ‘Oh, the lawyer filed these frivolous lawsuits,’” he mentioned. “If my lawsuits have been so frivolous, how come a choose by no means sanctioned me?” Defamation is the title of the sport A standard accusation in opposition to residents is that they've defamed the board of administrators. At associations, defamation fits are authorized if a house owner mentioned the board dedicated fraud. In some instances, courts have dominated that the state’s anti-Strategic Lawsuit In opposition to Public Participation (SLAPP) provision, which protects residents who converse out in opposition to public figures similar to politicians from being sued, doesn't lengthen to associations, a South Florida Solar Sentinel investigation discovered. A invoice earlier than the legislature this yr goals to increase the anti-SLAPP rule to associations. At El Conquistador, affiliation legal professional John Paul Arcia despatched three unit house owners cease-and-desist letters claiming they engaged in a “marketing campaign to humiliate, intimidate, discredit and harass board members.” “Your false allegations have been meant by YOU to topic the board to hatred, ridicule [and] contempt,” Arcia wrote. The householders deny the allegations, saying their speech wasn’t defamatory. Two unit house owners identified that the letters got here after they filed state complaints about El Conquistador. The affiliation additionally sued one of many unit house owners, Piedad Vergara, for defamation. Arcia filed the criticism. “The statute itself creates a whole lot of incentives for attorneys and associations to work collectively in opposition to residents.” legal professional James Bishop Glazer, the rental regulation skilled, mentioned he has turned down board members’ requests to file defamation fits in opposition to unit house owners at associations he represents as normal counsel. “It simply comes right down to ethics,” he mentioned. “I believe an affiliation legal professional does have an inherent battle, as an affiliation legal professional must be investigating whether or not these allegations are true.” Arcia mentioned his filings weren’t meant to silence dissent and have been crucial. If residents made claims in opposition to the board “with some substance,” then he would examine. “However when they're again and again and so imprecise, then there’s actually nothing to look into,” he mentioned. “It’s actually inappropriate to simply stage accusations of impropriety … particularly in opposition to somebody who works as a volunteer,” he mentioned. “Keep in mind these [board members] should be protected as a result of they're a member of the neighborhood and they're doing a service totally free.” The affiliation additionally sued Vergara for failing to permit an inspector in her unit who wanted to do a visible examination for the 40-year recertification. Arcia mentioned that El Conquistador’s affiliation is below a strict deadline to finish the recertification, and that the declaration mandates householders enable inspectors in. “If you will mess around, you may count on to get a lawsuit,” he mentioned. Vergara’s legal professional, Silvino Edward Diaz, mentioned the variety of affiliation filings in opposition to her is price noting. “It may possibly stand to be interpreted that there's some type of retaliatory motion,” he mentioned. Pass the buck The ability dynamic at associations is meant to work like a checks-and-balances system. Though boards are the elected officers who make government choices, attorneys and managers are the skilled professionals who ought to alert the board if its choices are usually not consistent with legal guidelines, mentioned Tamara Reyes,

founding father of South Florida Property Administration Options, which helps householders look into suspected affiliation mismanagement. In January 2023, a fireplace engulfed one of many buildings at New World Condominium, displacing over 200 residents. A lawsuit accuses Status Administration Options, led by Denise Brooks, of hiring an unlicensed roofing contractor that “haphazardly” positioned nails via stay wires, resulting in the blaze. Earlier than the hearth, Miami-Dade County had cited New World over fireplace security violations and failure to fulfill its 40-year recertification, in keeping with information. In courtroom filings, Status mentioned the contractor was licensed. The property supervisor had suggested the board of the wanted repairs, however “the board selected to not go along with recertification, nor authorize crucial repairs in opposition to the recommendation of Status Administration,” in keeping with the agency’s response in courtroom. The case presents a problem attorneys and managers usually cited: They will inform boards about greatest practices however can’t power them to behave. If a board “decides to not do something with what [information] you've gotten offered, there's completely nothing that a property supervisor can do,” Brooks mentioned. But some aren’t satisfied that professionals act in the perfect curiosity of associations. Brooks additionally was the property supervisor at Star Lakes when a constructing caught fireplace in 2017, in addition to at Zurich Condominium in North Miami when a fireplace broke out in 2020, identified Kareen LeCorps. LeCorps grew to become Star Lakes’ vice chairman in December after participating within the recall of the earlier board. “I've no proof to assist that it was arson,” LeCorps mentioned concerning the fires. “Nevertheless it does appear coincidental.” Brooks denies any wrongdoing, saying the Star Lakes fireplace began in a cluttered area on a resident’s balcony and the Zurich fireplace was began by a tenant who was being evicted. As for the New World fireplace, she declined to remark as a result of litigation however pointed to a Miami-Dade Hearth Rescue report concluding that the trigger was undetermined. Loads of attorneys and managers work exhausting to tell boards, Reyes mentioned, however not all of them. “A board member is a volunteer, oftentimes retired, [who] doesn’t have the data,” she mentioned. “That’s why you rent the professionals.” [ad_2] Supply hyperlink

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debtloanpayoff · 9 months ago

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#WEREYOUBORN

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berniesrevolution · 6 years ago

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Ten years ago, on Saturday, September 13th, 2008, the world was about to end.

The New York Federal Reserve was a zoo. Imagine NASA headquarters on the day a giant asteroid careens into the atmosphere. That was the New York Fed: all hands on deck, peak human panic.

The crowd included future Treasury Secretary Timothy Geithner, then-Treasury Secretary (and former Goldman Sachs CEO) Hank Paulson, the representatives of multiple regulatory offices, and the CEOs of virtually every major bank in New York, each toting armies of bean counters and bankers.

The asteroid metaphor fit. In the twin collapses of top-five investment bank Lehman Brothers and insurance giant AIG, Wall Street saw a civilization-imperiling ball of debt hurtling its way.

The legend of that meeting, as immortalized in hagiographic reconstructions like Andrew Ross Sorkin’s Too Big to Fail, is that the tough-minded bank honchos found a way to scrape up just enough cash to steer the debt-comet off course.

In Too Big To Fail, the “superstar” chief of Goldman, Lloyd Blankfein, along with “smart” Jamie Dimon of Chase, “fighter” John Mack of Morgan Stanley, and other titans brokered the deal of deals, just in time to stave off a Mad Max scenario for us all.

The plan included a federal bailout of incompetent AIG, along with key mergers – Bank of America buying Merrill, Barclays swallowing the sinking hull of Lehman, etc.

With respect to the fine actors in the film, the legend is bull.

There are more accurate chronicles of the crisis period, including the just-released Financial Exposure by Elise Bean of the Senate Permanent Subcommittee on Investigations, probably the most aggressive crew of financial detectives who sifted through the rubble over the past 10 years. Bean’s account of what went on at banks like Goldman, HSBC, UBS and Washington Mutual is terrifying to read even now.

But history is written by the victors, and the banks that blew up the economy are somehow still winning the narrative. Persistent propaganda about what happened 10 years ago not only continues to warp news coverage, but contributed to a wide array of political consequences, including the election of Donald Trump.

The most persistent myths about 2008:

Myth#1: The crash was an accident

In the early days of the crash, reporters were told the crisis particulars were probably too complex for news audiences. But metaphors would do. And the operating metaphor for 2008 was a “thousand-year flood,” a rare and inexplicable accident – something that just sort of happened.

It was even implied that the meltdown was due in part to irrational panic, “hysteria,” a fear of fear itself. When Lehman Brothers failed, the theory held, investors overreacted by freezing all lending, causing more disruptions and more losses. The economy was basically healthy, but fear had caused it to founder on a lack of confidence.

In Too Big to Fail, William Hurt plays Treasury Secretary Paulson as a saddened, wearied Atlas. He quips, early in the mess: “This is a confidence game,” and if Lehman Brothers failed, “all the other banks are gonna drop like dominoes.”

Poor Cynthia Nixon, who plays Treasury spokesperson Michele Davis, is heard responding, “Congress won’t move until we’ve already hit the iceberg.”

The film flashes to Lehman’s Dick “The Gorilla“ Fuld (played by James Woods in kinetic perma-jerk mode), who contrasts their fears with his overconfident weather report:

“Real estate always comes back,” he snorts, smugly fixing his tux. “I’ve seen this before. CEOs panic and they sell out cheap… The street’s running around with its hair on fire, but the storm always passes.”

This colorful language – dominoes, a confidence game, an “iceberg,” a “storm” – artfully disguised reality. This wasn’t weather coming at them, but the consequences of years of untrammeled criminal fraud.

Banks like Lehman had lent billions to fly-by-night mortgage mills like Countrywide and New Century. Those firms in turn sent hordes of loan hustlers into lower-income neighborhoods offering magical deals to anyone who could “fog a mirror,” as former Countrywide executive Michael Winston once put it to me. The targets were frequently minorities and the elderly.

Tales of mortgage swindlers guzzling Red Bulls and handing out easy loans in all directions began showing up in news reports as early as 2005. “It was like a boiler room,” one agent told the Los Angeles Times. “You produce, you make a lot of money… There’s no real compassion or understanding of the position they’re putting their customers in.”

These mortgage mills dispensed with due diligence, rarely bothering to verify incomes, identification, even citizenship. The loans were designed to have short, fragile lives, like fruit flies. They had to stay viable just long enough to be sent back to Wall Street and resold to secondary buyers, who took the losses.

It was a classic Ponzi scheme. So long as new loans were created and sold faster than the old ones failed, the subprime market made everyone rich. But the minute the market started to swing back the other way, everyone knew they would all crash to earth, Wile E. Coyote-style.

Paulson knew as well as anyone. Treasury and the other regulators received ample warning. Take the Office of Thrift Supervision (OTS), a regulatory arm of Treasury that happened to oversee two of the worst basket-cases, Washington Mutual and AIG. According to Bean, the OTS observed and ignored more than 500 deficiencies in mortgage practices just at WaMu in the years before the crash.

Even the FBI – not exactly an on-the-ball financial regulator, certainly not to the degree that Treasury or the Fed is expected to be – had warned as far back as 2004 that so-called “liar’s loans” were “epidemic” and would cause a “financial crisis” if not addressed.

CNN told the public of the FBI warning of a “next S&L crisis,” going so far as to identify the top 10 “hot spots’ for mortgage fraud” in: Georgia, South Carolina, Florida, Michigan, Illinois, Missouri, California, Nevada, Utah and Colorado.

All places that would later be rocked by mass foreclosures.

It took longer to get a car wash than a home loan in those days. I had one mortgage broker in Florida tell me he used to look for customers on the way home from work at night, at the beer cooler at his neighborhood 7-Eleven. His pitch was, “Hey, buddy, you like where you’re living?”

The end of this party was no confidence game. This was gravity: what went way up, coming way down.

The captain of the Titanic ignored one day’s worth of iceberg warnings and went down in history as an all-time schmuck for it. History commends him only for the honorable act of going down with his ship.

The titans of Wall Street ignored at least four years of warnings, escaped richer than ever, and in the end were lauded as heroes by the likes of Sorkin.

Myth #2: The crash was caused by greedy homeowners

Too Big To Fail shows Fuld on a rant:

“People act like we’re crack dealers,” Fuld (James Woods) gripes. “Nobody put a gun to anybody’s head and said, ‘Hey, nimrod, buy a house you can’t afford. And you know what? While you’re at it, put a line of credit on that baby and buy yourself a boat.”

This argument is the Wall Street equivalent of Reagan’s famous Cadillac-driving “welfare queen” spiel, which today is universally recognized as asinine race rhetoric.

Were there masses of people pre-2008 buying houses they couldn’t afford? Hell yes. Were some of them speculators or “flippers” who were trying to game the bubble for profit? Sure.

Most weren’t like that – most were ordinary working people, or, worse, elderly folks encouraged to refinance and use their houses as ATMs – but there were some flippers in there, sure.

People pointing the finger at homeowners are asking the wrong questions. The right question is, why didn’t the Fulds of the world care if those “nimrods” couldn’t afford their loans?

The answer is, the game had nothing to do with whether or not the homeowner could pay. The homeowner was not the real mark. The real suckers were institutional customers like pensions, hedge funds and insurance companies, who invested in these mortgages.

(Continue Reading)

#politics #the left #financial crisis #financial industry #wall street #great recession

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mariopgrant · 6 years ago

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EB-5 investors claim fraud as South Florida property faces $8M foreclosure EB-5 investors claim fraud as South Florida property faces $8M foreclosure

#Marketing #SmallBusiness

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veworcompare · 2 years ago

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Fannie may houses for sale ohio

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Contact for up to date statuses and prices and for new homes on the market daily. Fannie Mae HomePath properties are often priced below market and do tend to sell quickly so be prepared to act if you find a home you like.Ĭontact our Cleveland RE/MAX office anytime to learn more about buying a HomePath, Fannie Mae home.įannie Mae/HomePath First Look time frame may change. If you’re an investor or firs-time home buyer and looking for a deal, a bank owned property, a home that may need a little work or updates, this is a great list. Click on a property to schedule a showing, inquire or to find more information about purchasing a Fannie Mae home. This includes all Cleveland suburbs west, east and south. Below is the current list of HomePath homes for sale in Cuyahoga County, Ohio. There is a gorgeous and functional fireplace in the living room which is prefect for family, gatherings during the.Fannie Mae HomePath properties for sale in the Cleveland, Ohio area. Homes Details: Report possible fraud directly to Fannie Mae at Mortgage Fraud Tips.You may also call our Fraud Tips Hotline at 1-800-2FANNIE (1-80) to report possible fraud or if you have other concerns relating to a Fannie Mae-owned property.

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Free International Real Estate Listings & Property Ads. Finding a home that fits your budget is easier with MH Advantage ®, a mortgage loan for manufactured homes that have features typical of traditional site-built single-family homes.Available through most lenders, MH Advantage works similarly to mortgages for site-built homesyou own both the land and the home, making it possible to build equity over time. The room adjacent to the master bedroom is perfect for an office or study. Houses (9 days ago) Fannie Mae REO Homes For Sale. Free Miami Houses for Sale Real Estate Ads, Property Listings: Miami Houses for Sale. The master bedroom is enormous and has a great balcony, the master bathroom and walk in closet are immense. New tile floor on first floor and wood on stairs and second floor. This two story house has been completely updated, all of the bedrooms, bathrooms, kitchen have been remodeled. Whether you are a first-time home buyer or you're seeking. Fannie Mae offers a variety of home styles through its inventory of foreclosed properties. Our repair focus emphasizes our commitment to neighborhood stabilization nationwide. We enhance and repair as many properties as possible to support sustainable homeownership for homebuyers and all communities.

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Photo of the House for Sale property in Miamiīeautiful Single Family 4 bedroom, 3 bathroom, two car garage home In 8812 SW 150th Place Cir, Miami, FL 33196 (MD201792914) - Property in Miami - *** United States Real Estate, Florida Real Estate, Miami Real Estate: Houses for Saleīeautiful Single Family 4 bedroom, 3 bathroom, two car garage home.In the Spicewood subdivision of Hammocks in west Kendall. How to Buy a Foreclosed House From Fannie Mae. HomePath makes it easy to search for homes and make offers on available Fannie Mae houses for sale. That link is to the servicing guide for Fannie Mae loans that was updated on, so the page number and information might not be accurate if you are reading this post too. A foreclosure occurs when the loan becomes delinquent because payments have not been made or when the homeowner is in default for a reason other than the failure to make timely mortgage payments. On page 292 of the document, which is page 309 of the PDF. The legal process by which a property may be sold and the proceeds of the sale applied to the mortgage debt. Totally meant to post this like a year ago. Showing Property Listings from 1 to 10.Įasy Navigation: United States Real Estate -> Florida Real Estate -> Miami Real Estate Oh yeah, the 'Due on Sale' clause is now LLC-friendly, sometimes. The current Trulia Estimate for 7278 Welland. 7278 Welland Dr was last sold on for 90,000. This property is not currently available for sale. 7278 Welland Dr, Mentor, OH 44060 is a 3 bedroom, 1.5 bathroom, 1,272 sqft single-family home built in 1957. Our free Houses for Sale Real Estate Portal & Directory, have a specific section for Miami, Florida, United States Houses for Sale Real Estate Listings & Property Ads. LGBT Legal Protections updated by Movement Advancement Project. Miami Houses for Sale Real Estate & Property Listings, Free Miami Houses for Sale Website, Miami, Florida, United States Houses for lists thousands of categorized Houses for Sale Real Estate Listings including property sales, property rentals & vacation rentals. United States Real Estate Property Listings by City More Property Listings in United States Regions Refine United States Houses for Sale Listings by City HousingList offers a large database of HUD listings. * District of Columbia Houses for Sale (12) Browse affordable HUD homes in Ohio, current as of January 2022. Refine United States Houses for Sale Listings by Region Miami, Florida, United States Property Listingsįlorida, United States Real Estate Property Listings by City

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dreamdestin123 · 2 years ago

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Current State of the Florida Real Estate Market

For years, Florida real estate was at the top of the list of properties investors wanted to acquire. The Sunshine States has been deemed one of the top tourist destinations in the world and investors often purchase homes and condos for use as short-term rentals.

The potential to acquire wealth from Florida real estate investments was a very real possibility until the economy fell apart. Now much of the state is littered with foreclosure properties created through upside-down mortgages and massive mortgage fraud.

Thousands of oceanfront condos and beach houses sit vacant. Investors who purchased vacation properties are finding it difficult to attract tenants because people can no longer afford a vacation at the beach. Those fortunate enough to rent out their properties are competing with hundreds of other hungry investors and often forced to reduce rental rates in order to generate some level of cash flow.

Florida used to be a state that people flocked to, but today the number of people moving out of the Sunshine State exceeds the number of people moving in. The U.S. Census Bureau reports over 200 Floridians move out of the state every day.

Much of the mass exodus stems from chronic unemployment. Other factors include increasing property taxes and insurance and reduced property values. Additionally, a substantial number of residents are retirees living on fixed incomes. The cost of coastal living prohibits many 'snowbirds' from returning to the state during winter months and has forced many to sell their home well below market value.

According to Foreclosure Data Online, Miami-Dade County has the highest rate of foreclosures, with Orange County following close behind. Broward County is expected to join the ranks due to the cessation of NASA's space shuttle program.

While things may appear all gloom and doom for the Florida real estate market there are positive aspects. Declining property values have made it considerably more affordable to buy property. Whether looking for a vacation home or investment property, houses are selling for nearly half of what they cost 5 years ago.

Beach homes and oceanfront condos that once listed at over $1 million can often be purchased for $500,000 to $600,000. Numerous homes for sale are located in gated communities that offer an abundance of amenities including landing strips and airplane hangars. Penthouse condos offering panoramic views of the ocean are selling for pennies on the dollar. Houses located within interior sections of the state are priced 30- to 60-percent below market value.

Much of the real estate available Homes for sale in Miramar Beach Florida is bank owned foreclosures or short sale property. Due to the state's high rate of foreclosure many banks have been forced to offer short sale agreements to liquidate an overabundance of homes.

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mfi-miami · 1 year ago

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I Beat My Foreclosure. How Do I Get My Lender To Pay Up?

I Beat My Foreclosure In Florida. How Do I Get My Greedy SOB Lender To Pay My Legal Bill? Can I get my lender to pay legal fees if I prevail in a foreclosure case? So now you have bragging rights. You are one of the few homeowners in Florida who can hold their head up high and proclaim, “I beat my foreclosure!” So, now you’re feeling euphoric. Your head is spinning with million different…

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carstensen18dideriksen-blog · 6 years ago

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Simple ques about Car insurance. Ive had my drivers licence?

For over ten yrs but have never had a car in my name. Also have never had my own car insurane. My driving record is spot clean no tickets violations nothing and im over 30. Would i still have to pay as much as a 21 yr old brand new driver for car insurance ?? am i looked at the same as them ?? I might suggest that you visit this website where you can get quotes from different companies: http://INSURECOMPAREQUOTES.US Car Insurance for Visitors? I bought a brand new vehicle. It is protected through its producer. I went along to another country to operate and stay and then quit over Germany. Since I have wanted to maintain the car, I went it to my new property! For your first a few months (I'm informed) I am still covered being a Traveler. Claim I've a collision within this new region, we trade insurance facts, etc... Where should the other driver goto get his payment and file his state? 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cassh24sg · 3 years ago

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Judge Gundersen ignores tainted bank documents to justify foreclosures

By Noreen Marcus, FloridaBulldog.org

Broward Circuit judge Andrea Gundersen, who heads the court’s foreclosure files, often rules for banks and against homeowners, even when banks use sketchy documents, a consumer protection officer indicted in a recent report.

The report, released in May, attracted little attention until Miami-Dade District Judge Beatrice Butchko took the dramatic step of despising Bank of America, Bank of New York Mellon, and their attorney for asking questions about possible fraud in had not responded to a foreclosure case.

The Miami Third District Court of Appeals brought the case. If the banks finally win, Nurse Julie Nicolas will lose her nearly 30-year-old home in North Miami Beach.

Broward foreclosure judge Andrea Gundersen

The report by the nonprofit Floridians for Honest Lending (FHL) targets robo-signing, the discredited and illegal practice of treating foreclosure papers like assembly line goods.

Confirmations establishing the lender’s legal right to foreclosure are stamped and processed automatically. The “undersigned”, a bank director, cannot possibly know what is in the papers and vouch for their validity, as required by law.

In 2012, the findings of mortgage loan malpractice, including robo-signing, were allegedly resolved with a $ 25 billion settlement between the top five mortgage servicers and 49 attorneys-general and the Justice Department.

Robo-signing never ended

The next year, a dozen U.S. mortgage lenders, led by Bank of America and its subsidiary Countrywide Financial, agreed to end robo-signing as part of a $ 9.3 billion deal with the Office of the Comptroller of the Currency .

But the FHL report, based on the South Florida 2019-2020 court records, shows that illegal robo-signing persists. For example, stacks of mortgage loans made by the infamous Countrywide carry the signatures of three bank managers – if the papers were real, a trio that could boast of superhuman powers.

“It’s the same shit now,” a foreclosure attorney practicing in Broward said, commenting anonymously, fearing retaliation. “It’s always the same name. There are clear stamps on the documents from the court files. That is the proof of that. “

Laura Wagner

Consumer activist Laura Wagner, executive director of FHL, made a connection between the predatory mortgage lending that fueled the economic collapse of 2008 and current practices.

“The banks were caught buying subprime loans at a discount. They bet on it and then realized they made a bad bet, but it was a lot of money, ”she said.

Now banks are using every means available, including robo-signing and other abusive tactics, to unlock the tremendous value of outstanding mortgage loans, Wagner said. “So they want everyone to turn a blind eye.”

Little media, official control

The report said, “The reckless greed of the banks has corrupted millions of properties with mortgages and promissory notes and broken the chain of ownership of those properties, placing trial judges in the uncomfortable position of either holding the banking industry accountable for these forged documents, or one Throwing family out of their home.

“Unfortunately, with little control by the media, lawmakers or regulators, our judicial system has strongly favored the latter.”

FHL researchers examined the foreclosure complaints filed in the Broward and Miami-Dade state courts in 2019 and found 369 with one of a handful of names stamped on the confirmation line. Gundersen handled 217 of the Broward cases, closed 126 of them and never made a single decision in favor of an accused homeowner.

In line with the numbers, Gundersen treats bank attorneys much more politely than homeowner attorneys disputing suspicious documents, the report said. It describes how she sometimes orders defenders rocking on the boat to pay their wealthy opponents’ legal fees.

She does not conduct foreclosure proceedings but does oversee the maneuvers prior to the trial and then sends relatively few cases to senior judge Barry Stone for trial. “I respect and like him and he is actually trying to obey the law,” said anonymous defense attorney Broward.

The problem is that Gundersen is distorting the investigation and other preliminary matters against the banks, the lawyer said. “You have to deal with her first, and she is terrible for borrower lawyers.” Nobody knows how many questionable defenses Gundersen derails so that they never reach Stone.

JQC investigation by Gundersen?

The FHL report says Gundersen disqualified herself 19 times in April alone when she was accused of bias for banks. It is said that homeowners complained about them to the Judicial Qualifications Commission, which is investigating judges for ethics violations.

Confidentiality rules prevent Florida Bulldog from investigating allegations that the JQC is investigating Gundersen’s actions.

Broward chief judge Jack Tuter, speaking for the court and Gundersen, responded to the FHL report. He did not respond to criticism of their attitude and approach.

Broward chief judge Jack Tuter

Tuter said he was not aware of any problems with questionable mortgage papers, but “this problem arose a few years ago during the foreclosure crisis. Several statements by the West Palm Beach Fourth District Court of Appeal regarding the trustworthiness of custodians helped clarify what judges might consider.

“I have every confidence that Judge Gundersen will follow up on this series of cases, and if this is a major issue again, we hope the Fourth District will make decisions again if we do not get this right,” he said in a statement.

FHL also checked records in the Miami-Dade Circuit Court, where foreclosure cases are filed blindly and assigned to the civil chamber judge’s name rather than going to a specific foreclosure judge.

The researchers found that 310 Miami Dade homes with robo-signed endorsements had been auctioned off as of January 1, 2019 – 21 of them during the pandemic, the report said.

The Bruce Jacobs problem

Miami-Dade District Judge Jennifer Bailey, who heads the civil division of the court, responded with this statement: “In every case that a home was sold, a presiding judge reviewed the evidence in the case and passed a verdict, after which a foreclosure is ordered. If either party disagrees with the judgment and believes that the judgment was mistaken, the appeal is an appeal.

“To the best of our knowledge, there has been no evidence of a bug that went on sale,” Bailey said in her statement.

Bruce Jacobs

Miami-Dade judges turning to the Third District Court of Appeals for advice on how to deal with foreclosure fraud may see the Bruce Jacobs problem instead.

Jacobs, the Miami attorney who represents Julie Nicolas in Butchko’s high profile case, has made it his business to uncover any loan-processing deficiencies that harm his clients in foreclosure. He has accused Gundersen and other judges of bias for banks and fought to have them excluded from hearing his cases.

The organized bar doesn’t like Jacobs’ confrontational style and may be on the verge of silencing him. In an ethics hearing, Jacobs was found guilty of challenging the integrity of the courts; The umpire will be sending a penalty recommendation to the Florida Supreme Court this month.

Behavior ‘outside the box’

Akerman, the law firm that Jacobs opposes in the Nicolas case, convinced the Third District to suspend the trial while the firm attacks Butchko and its contempt order. Akerman’s attorneys quickly discovered that third district judges had charged Jacobs twice with ethics violations.

This passage from the judgment of the court of 2018 in Aquasol Condo Assn. vs. HSBC Bank suggests that the judges will not dispassionately listen to his arguments in the Nicolas case:

“Mr. Jacobs’ behavior … violated not only the Florida Bar Regulation and Appeal Rules, but also the most basic standards of courtesy and professionalism.

“While judges and lawyers are exposed to isolated cases of rudeness in the course of their careers, the instant misconduct is unimaginable and differs not only in degree but also in type. It is a monstrous misconduct that can neither be excused nor ignored.”

One has to wonder if the outraged response to Jacobs’ combative actions obscures his message: Mortgage lenders are using abusive and illegal tactics to separate homeowners from their homes.

source https://www.cassh24sg.com/2021/07/04/judge-gundersen-ignores-tainted-bank-documents-to-justify-foreclosures/

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massielandnetwork · 4 years ago

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Important Economic Trends During Anarchy

2021 - Let the Games Begin

3. A Christian Secession – Opposing Privus Legis.

Two quick observations:

1. Did you read that half of the windmills in Texas froze contributing to the huge decline in electricity available during the Artic Vortex in Texas. People complained their electric cars and cell phones all died. I did not read about any gasoline powered vehicles not working. AOC’s tweet blaming white privilege for the power outages demonstrated her level of intelligence, roughly equivalent to a box of rocks. What great leadership. Not!

2. How about the impromptu Trump Rally in south Florida on President’s Day? The pictures I saw displayed great enthusiasm and energy. Quite a contrast with The Demented Marxists (DM) in DC who celebrated President’s Day by huddling in fear behind fences and soldiers. I read that the faux president (fp) was at Camp David where he was able to stay up until 7 PM before going to bed. Millions of Americans without electricity in Texas and other southern states but fp could not be bothered with a call to the governors to see if he could help. According to the media, fp was busy with a rousing game of Donkey Kong so when some foreign leaders called, they were treated with a conversation with Harris. Has anyone started a pool betting on how long fp will be in that chair/bed/the White House Nursing Home? The Deep State loves him.

Privus Legis is a Latin term that means “Private Law”. That is the origin of our word “Privilege” which refers to the existence of two sets of laws. Unfortunately, this phrase describes the situation in the USA today. The Clingers Deplorable Chumps are subject to one set of laws and the Demented Marxist (DM) and their allies, the Global Elites/Deep State, play by a different set.

Last week saw two confirmations of Privus Legis:

1. The unusual press release by the U. S. Chamber of Commerce bragging about how they along with their large international corporation members worked with the media to determine the outcome of the 2020 election. I read the article that came from the press release. It displayed a complete lack of concern for the average American while demonstrating their total focus is on the profits of the major international corporations. They were very proud supporting those that ignored Clinton’s private server, Anthony Weiner’s laptop, Hunter Biden’s laptop, massive vote fraud, etc. More ice cream?

2. The Impeachment for Giggles II, The Sequel. The DMs spewed their hate and thereby turned what should have been a somber experience into a comedy of errors reminiscent of a Shakespearean play. Seven so called Republicans and 50 Democrats self-described as having been in DC too long. Did you see the interview with the hapless CBS female talking head (they have no reporters) with one of Trump’s attorneys who correctly called her out for suggesting that it is acceptable to manipulate evidence. It was a hoot! I loved it when he dropped the mic. The talking head was clueless. Privus Legis was highlighted!

Privus Legis is extremely dangerous to the economy because the Chumps eventually will decide that “What is sauce for the goose, is sauce for the gander”. Add to that the current situation where the majority realize they were robbed in November 2020. No wonder Nancy and Chuckie want a military guard in DC until September.

Among the many newsworthy items last week, there are two more that I want to highlight because of their impact on the economy and therefore the land market.

1. Chairman Powell of the The Federal Reserve (The Fed) gave a speech indicating that

a. The Fed would keep interest rates low via Quantitative Easing (QE - continuing to buy $120 Billion per month of US debt) until the USA has full employment;

b. The Fed is happy with increased inflation.

Increased inflation will be a result of the $1.9 Trillion “Virus” stimulus bill the DMs are scheduled to pass in mid-March. This ugly monstrosity is being touted as “virus stimulus” but really is simply the DM wish list including having the USA taxpayer bailout state governments -Illinois, New York, and California (20% of the bill) and various union pension funds (10%). Just like the Center for Disease Control modified its criteria for a positive Wuhan Virus test once Biden got installed so that the number of virus cases have rapidly declined, now the DM governors are keeping their states locked down to aid the passage of this horrible bill.

2. Christian Secession – Facebook, Amazon, Google, Apple, Twitter all banned Trump supporters. Microsoft has announced they have withdrawn financial support of Trump supporters and others (Christian?). This past week Google/YouTube concentrated on taking down every Christian site that is antiabortion. This “Censorship” is consistent with Marxist behavior. Marxists hate Christianity because they want people to worship the “State”.

Amazon’s profit comes primarily from its Amazon Web Services (AWS). The easiest way to impact Amazon is to terminate any use of the AWS “cloud”. I have found that Barnes & Noble (BN) has an excellent website that makes book buying, electronic or printed, just as easy as Amazon. I have already purchased one book from BN and became a member this week. If you have an Amazon Alexa in your house and are uncomfortable with the Chinese Communist Party knowing everything that is discussed in your house, I suggest the Alexa device would make excellent sledgehammer target practice. For me, it is “Goodbye Amazon”.

Whether one is in familiar or uncharted territory, it is critical to have landmarks to guide decisions. In a capitalistic society, the financial markets are critical to the allocation of resources via the cost of money versus the anticipated return. Because of the importance of the 10-year Treasury relative to interest rates especially mortgage rates, we have discussed that your “canary in the mine” is the 10-year Treasury.

However, The Fed is massively distorting the 10 Year Treasury market. Elon Musk made a $1.5 Billion bet on Bitcoin. This highlighted both the level of speculation (not investing) in our economy and the need to avoid the Treasury market since The Fed declared they are happy to fund the DMs via QE and devalue the Dollar (called inflation). Last weekend I started looking at other markets to determine what might be a good landmark for financial decisions.

In the process of my review, I noticed that oil has increased from approximately $35 per barrel in late October 2020 (prior to the so-called election in November) to $60 per barrel today. The resulting increase in gasoline prices is the equivalent of a huge tax increase. We discussed this several weeks ago as being one of Bidenharris’ pins that burst the economic bubble here in the USA. The DMs and Global Elites will be fine, they do not care about the Clinger Deplorable Chumps. But the oil market is too easily distorted to be a guide for anything other than its impact on the Chumps and therefore a broad indication of the trend of the economy. However, rising gas prices are a seed of the coming recession.

The residential real estate bubble is still intact. In the next 60 days we should see an increase in both commercial foreclosures and retail bankruptcies which will begin to hit the real estate and the financial markets. The current land market – the commercial land market is soft, industrial land will soften under Bidenharris, residential land is a bubble that will burst, and the rural land market is active but price sensitive.

It sounds trite but the best way to weather what is coming is with a balance of liquidity and solid investments. The peak of a bubble is a risky time to buy. Fear is keeping a record $5.9 Trillion in cash in insured bank accounts. I encourage you to remember that in times of financial panic “Cash is King” and make your decisions.

“Conduct yourselves honorably among the Gentiles, so that, though they may malign you as evil doers, they may see your honorable deeds and glorify God when He comes to judge”.

(1 Peter 2:12 New Revised Standard Version, Oxford University Press)

A great piece of land remains The Best investment long term unless the DMs get us to full-fledged Marxism. Capitalism builds wealth, Marxism/Socialism consumes it in self destruction. Pray for a return to honest elections in the USA. God is in control. Men make plans, God wins.

Stay healthy,

Ned

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