Wednesday, October 27, 2010

foreclosure list

In another edition of what digby says, check out this list a reader sent her that she posted today.




A lot of people are trying to say that all politicians are the same, that your vote doesn't matter. Well, let's look at the evidence. In the last month, here are some news stories about politicians.



Democrat Alan Grayson Calls for Foreclosure Moratorium

Democrat Ohio Secretary of State Attacks Foreclosure Fraud

President Obama Pocket Vetos Pro-Bank Bill That Would Increase Foreclosures

Democrat Harry Reid Calls for Foreclosure Moratorium

Democrat Nancy Pelosi, California Democrats Calls for Investigations of Foreclosure Fraud

Democrat John Conyers and Carolyn Kilpatrick Call for Foreclosure Freeze

Democrat Ohio Attorney General Attacks Foreclosure Fraud, Sues GMAC

Democrat Illinois Attorney General Asks for Foreclosure Halt in Illinois

Democrat Maxine Waters Calls for a Foreclosure Freeze

Democrats Alan Grayson, Barney Frank, and Corrine Brown Call for Fannie to Stop Working with Foreclosure 'Mills' Being Investigated for Fraud

Democrat Earl Blumenaur Asks for a Foreclosure Freeze in Oregon

Democrat Jeff Merkley Calls for a Special Investigator for Foreclosure Fraud

Democrats Luis Gutierrez and Dennis Moore Call for Investigations of Bailout Recipients Engaging in Foreclosure Fraud

Democrat Attorney General in California Asks for Foreclosure Halt

Democrat Attorney General in Massachusetts Asks for Foreclosure Halt

And on and on and on....

Notice a pattern here?  If not, let me give you another hint.

Republican Richard Shelby Tries to Weaken Rules, Kicks Regulators



I wonder why banks and corporations are spending $5 billion on this election, nearly all of that for Republicans.



Save your home. Vote Democratic.



Add to that list Merkley, Wyden Call on JP Morgan Chase and Ally Financial to Halt Foreclosures in All States. That's as clear a case as you're going to get.






I was thinking the exact same thing. I hope there are lots of lawyers-in-process in the law schools, ‘cuz something tells me there’s gonna be a need. OTOH, wouldn’t this be the exactly time that the Tan Man, if he becomes Speaker, will chose to put tort reform high on the agenda of the US Senate. BTW, here’s a hint for some folks less familiar with Title insurance. The back page of many documents is a list of exceptions to your Title committment. Look it over carefully before you sign for that new house. It may give you some clues in regard to possible problems.


But what I really wanted to mention is that Affidavits of all sorts have been used and abused for years, and many people have no real feel for their importance. For instance, when I was in my very early twenties and had purchased my first home with my husband (at the time), I used to receive an Affidavit with some information on it in regard to a mortgage exemption. The instruction I got from my mortgage company, who was the servicer of my loan (I lived in IN at the time), was for both parties to sign in the appropriate place and return it by such and such a date in a self-addressed, stamped envelop which they provided. They would then notarize the document in their office and send it on to the Assessor’s office to file the yearly mortgage exemption. I was young and didn’t know any better; just did what I was instructed and figured this was done as a courtesy and was for my benefit. Today I recognize this whole thing as a “victimless” crime, but a glitch all the same. I think eventually the legislature changed the yearly filing requirement to file it once and when the mortgage is paid, the exemption is cancelled. Same thing if the property is sold.


Years later, I worked for the University on a program testing the viability of a Guaranteed Wage for the Federal Government (It was a Nixon social experiment done to see about changing the Welfare or ADC system.) The idea was that about (I think)twenty six hundred families were selected for the program. Each family would complete “Income Report Forms” in detail, and they would receive a check each month based on the income information provided. I believe at the end of the year they also had to provide their income tax forms for all wage earners to make sure that everything pretty much matched. If they didn’t file taxes, they were instructed to sign an Affidavit that we sent to them along with a self-addressed, stamped envelope. They were informed that we would have them notarized in our office. One year I remember that some of the families were slow at providing the tax info, and their checks were not based on the tax info anyway, so they got lax. To provide the lacking incentive to comply, the university bosses of the program, all economists and some working on their doctorate with this program, decided to threaten to withhold the families’ checks if they didn’t return their tax forms. Well, our office was the one that withheld the checks and caught most of the flack for it when respondents complained. However, we were unaware that what we asked them to do was patently illegal. We were informed of that when one of the respondents who worked in city hall and knew about Affidavits and Notaries, and laws and such, told us that she would sue if we continued to try to coerce folks in that illegal a manner. Needless to say, once the chief economist heard about the kerfuffle, he said to send out the remaining checks immediately. This was the first time I had seen my boss, a very dynamic 5’1″ fellow, assemble all his bosses in his office, and in his best bellow read them the riot act! Well, they accepted the chewing out because they knew he was right and because it was “Don”, who had worked his way up in the hierarchy just based on his knowledge and determination and exceptional judgment and inventive problem solving ways that made him utterly indispensable. He was undoubtedly the heart that of the program and what made everything else go smoothly. I do remember his immediate supervisor reluctantly saying, “Well okay, Don, but you don’t have to yell!” To which he replied, “Yes I do, because this is my office and that’s the way I do business.” He could be heard throughout the building, but I’m pretty sure his bosses did not hear all of us snickering and cracking up in our offices. But that was my lesson in the importance of Affidavits.




ABC <b>News</b> airs big exposé on BMW N54 engine problems, lawsuits [w <b>...</b>

ABC News investigates BMW fuel pump problems – Click above to watch video after the jump ABC News has cottoned on to the story that BMW.

Arrowheadlines: Chiefs <b>News</b> 10/27 - Arrowhead Pride

Good morning Chiefs fans! There's some interesting Kansas City Chiefs news today. A great piece from Cory Greenwood's hometown newspaper, and more on Chambers' playing time start us off. Enjoy.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 27 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Shares in automaker Hong Kong-listed BYD tanked by 9% after the company said profit fell by 99% in the third ...


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bench craft company complaints

NEW BUFFALO GROVE LISTING: Dining Room by ahausexpert


ABC <b>News</b> airs big exposé on BMW N54 engine problems, lawsuits [w <b>...</b>

ABC News investigates BMW fuel pump problems – Click above to watch video after the jump ABC News has cottoned on to the story that BMW.

Arrowheadlines: Chiefs <b>News</b> 10/27 - Arrowhead Pride

Good morning Chiefs fans! There's some interesting Kansas City Chiefs news today. A great piece from Cory Greenwood's hometown newspaper, and more on Chambers' playing time start us off. Enjoy.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 27 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Shares in automaker Hong Kong-listed BYD tanked by 9% after the company said profit fell by 99% in the third ...


bench craft company complaints bench craft company complaints

In another edition of what digby says, check out this list a reader sent her that she posted today.




A lot of people are trying to say that all politicians are the same, that your vote doesn't matter. Well, let's look at the evidence. In the last month, here are some news stories about politicians.



Democrat Alan Grayson Calls for Foreclosure Moratorium

Democrat Ohio Secretary of State Attacks Foreclosure Fraud

President Obama Pocket Vetos Pro-Bank Bill That Would Increase Foreclosures

Democrat Harry Reid Calls for Foreclosure Moratorium

Democrat Nancy Pelosi, California Democrats Calls for Investigations of Foreclosure Fraud

Democrat John Conyers and Carolyn Kilpatrick Call for Foreclosure Freeze

Democrat Ohio Attorney General Attacks Foreclosure Fraud, Sues GMAC

Democrat Illinois Attorney General Asks for Foreclosure Halt in Illinois

Democrat Maxine Waters Calls for a Foreclosure Freeze

Democrats Alan Grayson, Barney Frank, and Corrine Brown Call for Fannie to Stop Working with Foreclosure 'Mills' Being Investigated for Fraud

Democrat Earl Blumenaur Asks for a Foreclosure Freeze in Oregon

Democrat Jeff Merkley Calls for a Special Investigator for Foreclosure Fraud

Democrats Luis Gutierrez and Dennis Moore Call for Investigations of Bailout Recipients Engaging in Foreclosure Fraud

Democrat Attorney General in California Asks for Foreclosure Halt

Democrat Attorney General in Massachusetts Asks for Foreclosure Halt

And on and on and on....

Notice a pattern here?  If not, let me give you another hint.

Republican Richard Shelby Tries to Weaken Rules, Kicks Regulators



I wonder why banks and corporations are spending $5 billion on this election, nearly all of that for Republicans.



Save your home. Vote Democratic.



Add to that list Merkley, Wyden Call on JP Morgan Chase and Ally Financial to Halt Foreclosures in All States. That's as clear a case as you're going to get.






I was thinking the exact same thing. I hope there are lots of lawyers-in-process in the law schools, ‘cuz something tells me there’s gonna be a need. OTOH, wouldn’t this be the exactly time that the Tan Man, if he becomes Speaker, will chose to put tort reform high on the agenda of the US Senate. BTW, here’s a hint for some folks less familiar with Title insurance. The back page of many documents is a list of exceptions to your Title committment. Look it over carefully before you sign for that new house. It may give you some clues in regard to possible problems.


But what I really wanted to mention is that Affidavits of all sorts have been used and abused for years, and many people have no real feel for their importance. For instance, when I was in my very early twenties and had purchased my first home with my husband (at the time), I used to receive an Affidavit with some information on it in regard to a mortgage exemption. The instruction I got from my mortgage company, who was the servicer of my loan (I lived in IN at the time), was for both parties to sign in the appropriate place and return it by such and such a date in a self-addressed, stamped envelop which they provided. They would then notarize the document in their office and send it on to the Assessor’s office to file the yearly mortgage exemption. I was young and didn’t know any better; just did what I was instructed and figured this was done as a courtesy and was for my benefit. Today I recognize this whole thing as a “victimless” crime, but a glitch all the same. I think eventually the legislature changed the yearly filing requirement to file it once and when the mortgage is paid, the exemption is cancelled. Same thing if the property is sold.


Years later, I worked for the University on a program testing the viability of a Guaranteed Wage for the Federal Government (It was a Nixon social experiment done to see about changing the Welfare or ADC system.) The idea was that about (I think)twenty six hundred families were selected for the program. Each family would complete “Income Report Forms” in detail, and they would receive a check each month based on the income information provided. I believe at the end of the year they also had to provide their income tax forms for all wage earners to make sure that everything pretty much matched. If they didn’t file taxes, they were instructed to sign an Affidavit that we sent to them along with a self-addressed, stamped envelope. They were informed that we would have them notarized in our office. One year I remember that some of the families were slow at providing the tax info, and their checks were not based on the tax info anyway, so they got lax. To provide the lacking incentive to comply, the university bosses of the program, all economists and some working on their doctorate with this program, decided to threaten to withhold the families’ checks if they didn’t return their tax forms. Well, our office was the one that withheld the checks and caught most of the flack for it when respondents complained. However, we were unaware that what we asked them to do was patently illegal. We were informed of that when one of the respondents who worked in city hall and knew about Affidavits and Notaries, and laws and such, told us that she would sue if we continued to try to coerce folks in that illegal a manner. Needless to say, once the chief economist heard about the kerfuffle, he said to send out the remaining checks immediately. This was the first time I had seen my boss, a very dynamic 5’1″ fellow, assemble all his bosses in his office, and in his best bellow read them the riot act! Well, they accepted the chewing out because they knew he was right and because it was “Don”, who had worked his way up in the hierarchy just based on his knowledge and determination and exceptional judgment and inventive problem solving ways that made him utterly indispensable. He was undoubtedly the heart that of the program and what made everything else go smoothly. I do remember his immediate supervisor reluctantly saying, “Well okay, Don, but you don’t have to yell!” To which he replied, “Yes I do, because this is my office and that’s the way I do business.” He could be heard throughout the building, but I’m pretty sure his bosses did not hear all of us snickering and cracking up in our offices. But that was my lesson in the importance of Affidavits.




bench craft company complaints

ABC <b>News</b> airs big exposé on BMW N54 engine problems, lawsuits [w <b>...</b>

ABC News investigates BMW fuel pump problems – Click above to watch video after the jump ABC News has cottoned on to the story that BMW.

Arrowheadlines: Chiefs <b>News</b> 10/27 - Arrowhead Pride

Good morning Chiefs fans! There's some interesting Kansas City Chiefs news today. A great piece from Cory Greenwood's hometown newspaper, and more on Chambers' playing time start us off. Enjoy.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 27 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Shares in automaker Hong Kong-listed BYD tanked by 9% after the company said profit fell by 99% in the third ...


bench craft company complaints bench craft company complaints

ABC <b>News</b> airs big exposé on BMW N54 engine problems, lawsuits [w <b>...</b>

ABC News investigates BMW fuel pump problems – Click above to watch video after the jump ABC News has cottoned on to the story that BMW.

Arrowheadlines: Chiefs <b>News</b> 10/27 - Arrowhead Pride

Good morning Chiefs fans! There's some interesting Kansas City Chiefs news today. A great piece from Cory Greenwood's hometown newspaper, and more on Chambers' playing time start us off. Enjoy.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 27 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Shares in automaker Hong Kong-listed BYD tanked by 9% after the company said profit fell by 99% in the third ...


bench craft company complaints bench craft company complaints

ABC <b>News</b> airs big exposé on BMW N54 engine problems, lawsuits [w <b>...</b>

ABC News investigates BMW fuel pump problems – Click above to watch video after the jump ABC News has cottoned on to the story that BMW.

Arrowheadlines: Chiefs <b>News</b> 10/27 - Arrowhead Pride

Good morning Chiefs fans! There's some interesting Kansas City Chiefs news today. A great piece from Cory Greenwood's hometown newspaper, and more on Chambers' playing time start us off. Enjoy.

Lujiazui Breakfast: <b>News</b> And Views About China Stocks (Oct. 27 <b>...</b>

Investors and traders in China's main financial district are talking about the following before the start of trade today: Shares in automaker Hong Kong-listed BYD tanked by 9% after the company said profit fell by 99% in the third ...


bench craft company complaints bench craft company complaints

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