Upcoming Foreclosures

Ohio Law: Spouse's obligations to a Foreclosure who is not on the mortgage? I bought a house in Dayton OH in 2004, and remarried in 2006. My wife has her own home in Cincinnati and is not on any legal documents concerning the house in Dayton. She has never made any payments towards the Dayton house. Can the Mortgage company still go after her individual financial assets even though she has literally nothing to do with the Dayton house? We were not even married when I bought the house. If so, what? and is there anything I can do to stop the mortgage company from going after her financies?

How does foreclosure in Ohio work? To keep a long story short, The poor economy has hurt our long term plans and now we are looking into foreclosure of our home in Ohio. Our credit is already pretty bad, probably around 500 right now. Anyway, I've read that foreclosure in Ohio has laws in place that favor banks. I'm basically wondering what the repercussions would be if we decided to foreclose on our home. Would we be excused from the loan and just have a worse credit rating? Would we be able to get a new place in a year in a different state? Would we still owe a portion? Thanks in advance!

Ohio Foreclosure Laws? Our house is being sold at a public auction on Feb. 28th as a result of foreclosure. I am just wondering if anyone knows when we will have to vacate the premises no one has ever told us. I am just debating when we should start looking for another place to live. I have heard it may be 18 months after the sale and then I have heard a week before the sale. if it is a week then we need to hurry up and find a new place.

Anyone know where I can find the foreclosure laws for the State of OHIO?

Can a homeowner remove small barns and outbuildings from their property during foreclosure in Ohio? and does anyone know where I can find a copy of the actual law online? Thanks!

How do I find out about home foreclosure laws? in Ohio? I need to know if I will be liable for any remaining balance after the bank sells my home or if it would just be a write off?

ohio - deficiency judgement after foreclosure other property at risk? If i quit claim the deed to my other property which is in MINE AND MY COMMON LAW WIFES NAME will the bank come after my other property if i quit claim the deed to her name only. And what are the chances of this happening in ohio.

Ohio's Residential Disclosure Law? Does anyone know if foreclosures are exempt from ohio property disclosure becuase I read on the Cleveland city website that forclosure properties does not need a certificat of disclosure becuase it isnt a voluntary sale and certificate of disclosure is only necesary for voluntary sales.

What is statute of limitations in Ohio for deficiency judgment from foreclosure on investment property? I'm trying to determine how long a creditor can come after you for a deficiency judgment if you've had a foreclsoure on an investment home in Ohio. I found Ohio Revised Code 2329.08 (see below). Any thoughts? I am having trouble interpreting the grouping of the OR's in the law. Not sure if one had to live in the property themselves for some time. Thanks. 2329.08 Limitation of enforcement of deficiency judgment - waiver - pending actions. Any judgment for money rendered in a court of record in this state upon any indebtedness which is secured or evidenced by a mortgage, or other instrument in the nature of a mortgage, on real property or any interest therein, upon which real property there has been located a dwelling or dwellings for not more than two families which has been used in whole or in part as a home or farm dwelling or which at any time was held as a homestead by the person who executed or assumed such mortgage or other instrument, or which has been held by such person as a homesite, shall be unenforceable as to any deficiency remaining due thereon, after the expiration of two years from the date of the confirmation of any judicial sale of such property completed subsequent to the rendition of such judgment. Any execution issued upon such judgment, or any action or proceeding in aid of execution, or in the nature thereof, or to marshal liens, commenced prior to the expiration of such two year period, shall not be affected by this section. This section does not affect any action or proceeding in the nature of a creditor’s bill, commenced within such two year period, to subject the interest of the judgment debtor in any property owned at the date of such judgment and concealed with intent to hinder, delay, or defraud creditors.

Any law school help available? I have a lot of information to help with this question because I want help that would be most beneficial, so here it goes....I am interested in going to law school now as sophomore in college. What is anything that I would need to know based on my personal situation? As a senior in high school my parents got divorced and my little brother did not handle this very well and my dad lost his job leaving me to help him with everything. I was also diagnosed with OCD which has hurt my schooling slightly. As a result of this situation I removed my verification from the College of Charleston and went to Miami University in Oxford to major in chemistry. A year later I decided that everything was getting back to normal and it was possible to leave for a school that I really wanted to go to. I was one of 300 students selected to go to school at the University of Miami(Coral Gables) out of an applicant pool of 5000, however there was not a place to live so I ended up at the college of charleston first semester this year. During the first semester I lived in a place where a man was shot literally right across the street and my house was infested with rats(14 inches long and roaches) and my dad was still unemployed resulting in the foreclosure of his house back in Ohio. To help both myself and my family I moved back to Ohio and I am currently at the University of Cincinnati. Now I am finally through classes that I am not interested in and I am taking classes that I am passionate about because I found a major that I love. I am majoring in secondary education(mathematics) and sports administration. The first quarter here was very hard because of the personal situations I had to come home to and I ended up with a 1.69 gpa(terrible I know), but now I have a 4.0 because things in my life are beginning to stabalize) My question is what should I do to get into a top law school? How do I prepare for the LSAT and what kind of gpa, majors, LSAT scores are going to help the most? Will law schools and future employers look down on the fact that I have jumped around schools, or will they be empathetic to my situation? High School- 3.7 GPA, Nation Honors Society, All-Academics throughout all four years of soccer, swimming and tennis. Miami University-3.5 GPA, Dean's List Student CofC-2.54 GPA, Chem Major University of Cincinnati-Winter quarter 2009 1.69 GPA, Spring Quarter 2009 4.0(and I am continuing to improve to get my gpa up from what it was and I believe I can have a 3.5-3.7 by graduation). Secondary-Edu/Sports Administration Majors I am aiming to go to a law school such as Duke, USC, UCLA, Pepperdine, University of Miami, Vandy, UNC, or Virginia to name a few possibilities. These are top schools but not top as in Yale, Penn, or Harvard. I have no doubt that I am capable of a 170-175 LSAT score if I put in the effort to prepare, and I would be disappointed with myself if I did score lower. Am I setting the bar too high for myself or am I capable of achieving this feat. Do you think that I should use the grade replacement option for some of my classes from UC. I did the math and figured if I replaced 2 and got A's in them I could move my gpa from a 1.69 to a 2.76. I know it sounds like a no brainer but the goal is to get through college spending minimally money.

Predatory Lenders got to my mom with Alzheimers? Ok so my mother in law was living with Alzheimers on her own for a while. She lives, well (lived) in the now infamous Maple Heights Ohio. I wouldn't be surprised is she was refinancing every time someone called or knocked on her door. Her home is now in foreclosure. She is living with her sister who is taking care of her. Is there any loophole in the law that will help her as she was not mentally competent enough to understand what she was signing? We don't really care about the house, they can have it as even if it were in good condition it would be worth nothing anyways, we just don't want people coming after her and garnishing her already next-to-nothing income. The house was completely paid off a couple of years ago now she owes 66,000. I know nothing, anything you can tell me would help. Appreciate it. Just to clarify, they are saying Maple Heights is the epicenter of the foreclosure crisis. 30% of the city is in foreclosure. This is why selling a home someone with an illness has been living in would be an impossibility. I am guessing how it got up to 66k is that she kept refinancing. She would write the same checks for her mortgage over and over, and there would be fees every time she refinanced. Boy I wish I knew. She had nothing in that house. No food, no water, no furniture. She had bought a washer and dryer, and a baby gate because she had a delusion that she was running a daycare center. She had delusions that people were trying to poison her water and was drinking from empty water bottles she found on the street. I suspect nearly 100% of that money is in the pockets of the many many predators in that area. I broke down and cried when I saw the inside of that house. Theres no way she had spent it on much for herself.

Tenant Problem - Eviction - Need Help - Ohio? I filed to evict a tenant for non payment of rent. Well she isn't one to communicate well. I found out from the downstairs tenant that all of the utilities have been shut off (she let them in to shut of water and gas). The tenant has also moved most of her stuff out of the apartment. However, she has left a few things behind. My question is at what point does the law considered the tenant moved out? I am thinking about going in, after verfying that the utilities are shut off and moving her remaining stuff (a bed and pc) into storage. This way I can move on with renting the apartment out. If I do wait until the hearing I suspect she won't show. It doesn't matter because I will win either way. So after I am granted the foreclosure what happens if she still doesn't remove her few remaining belongings? Do I have to still get a bailiff to remove them? I am curious as to what others have done in this situation and what the outcome was. Thanks!

New York Times Article Addressing the Housing Slump? I read the following NYT article in regard the housing slump. One part of the article, I did not understand. The author writes that millions of homeowners remain at risk of defaulting on their mortgages if they experience a payment shock because they owe more than their house is worth. Can you explain how lower home value leads to a payment shock which leads to a default on a mortgage. Assuming you have a fixed rate mortgage, whether the value of your home goes up or down, you still have the same monthly mortgage payment, right? So where is the payment shock coming from? Thank you for your help. U.S. Tackles Housing Slump The Obama administration is ramping up talks on how to revive the housing market, which is weighing on the economic recovery—and possibly the president's re-election in 2012. Last year, advisers considered several housing-policy prescriptions but rejected them in favor of letting the market sort things out. Since then, weak demand and a stream of foreclosed properties have put renewed pressure on home prices, prompting concern within the White House. Housing "hasn't bottomed out as quickly as we expected," President Barack Obama said at a White House town hall last week. Mr. Obama said housing remained the "most stubborn" problem facing the country and conceded that a raft of federal mortgage-aid programs were "not enough, and so we're going back to the drawing board." Policy ideas include having taxpayer-owned mortgage giants Fannie Mae and Freddie Mac relax their rules for loans to investors, allowing those buyers to vacuum up excess housing inventory. In certain markets, Fannie and Freddie could hold some foreclosed homes off the market and rent them out to ease the property glut. Officials also could sweeten incentives for banks to reduce loan balances for borrowers who are underwater, or owe more than their homes are worth. The White House is weighing ideas to strengthen the feeble housing market. Pictured, emptying a foreclosed home in Lawrenceville, Ga., this year. Discussions are in early stages, and there isn't consensus around particular ideas. A spokeswoman said the president and his advisers "are always looking at new ways" to strengthen the housing market but wouldn't disclose details. "While we continue to consider the options available to us, it would be inaccurate to say we are proposing any of these particular ideas at this time," White House spokeswoman Amy Brundage said. Home-buyer tax credits worth up to $8,000 in 2009 and 2010 gave a short-term boost to home sales, but demand plunged after they expired. Foreclosures have put pressure on prices and damped residential construction, traditionally an engine of job growth during economic expansions. "As conditions change, some options that were below the line the way the market was 18 months ago might be above the line today," said Peter P. Swire, who teaches law at Ohio State University and until last year was a top housing adviser to the White House. Most of the administration's housing efforts have focused on helping borrowers refinance or modify their loans to avoid foreclosure. But some economists say too many borrowers won't be saved through loan workouts and that the administration must do more to soak up the flood of foreclosures by boosting housing demand. View Full Image President Obama's signature loan-modification program, announced during his first month in office, has lowered payments for around 600,000 borrowers. Meanwhile, around four million borrowers are in foreclosure or have missed three or more consecutive mortgage payments. While mortgage-delinquency rates have fallen, millions more remain at risk of defaulting if they experience a payment shock because they owe more than their homes are worth. More recent housing relief has targeted unemployed borrowers. Last week, officials said unemployed borrowers with loans backed by the Federal Housing Administration could miss up to 12 months of payments while they look for new jobs. A separate $1 billion program is set to begin providing interest-free loans of up to $50,000 for temporarily jobless borrowers this month. Unlikely to get Congress to provide additional funds, the administration is left to examine options that it can implement without congressional consent. Fannie and Freddie, the so-called government-sponsored enterprises or GSEs, could be one policy lever. "There are a number of things that we can look at on the GSE side," said Austan Goolsbee, departing chairman of the Council of Economic Advisers. Last year, officials considered a range of policies that included allowing borrowers with loans backed by Fannie and Freddie to refinance more easily by relaxing fees that lenders are charged for riskier borrowers. Others outside the administration have pushed for fede

Wife asked me to sign custody to her, in return she would sign home modification, is this legal? Bribery? My wife and I are in a divorce, things have not been going well for her in mediation for custody of our 4 year old son. She quit going to the mediations, and has presented me with a paper she hand wrote and signed. It says,"I (meaning my wife) will sign the modification of the property located at ###, in return "he" (meaning me) will no longer pursue residential custody of our son." My wife wanted me to sign it and date it. Giving custody to her, in return for her sign a home modification. Our home which she walked out of 1 year ago went into foreclosure because of the lost income, I fouaght all year to get it modified, I finally got the modification, so I can afford the home on my own, and my wife had to sign off on it to make it legit. (or the house would foreclose, giving us both a huge amount of debt. (community debt law in Ohio) She said she would let the house forclose unless I signed to give up parental custody, which we are still going to court for. Is this legal for her to do? She seems very unstable and desperate. I have the hand written document that she signed and dated, I haven't signed it. Can I use this in court, what do you think, is this bribery for a child. Please help. I think it's more than negotiating, in other words I sign custody or take on 112,000.00 dollars debt with nothing to show for it.? Ya it may be negotiating, but it shows how unstable she is, willing to take on the debt herself. I'm not signing it, I already got the house. she left the state for 9 months and just moved back 3 months ago lives in a trailer and has no car or job. crazy. Thanks for your answers Oh, ya she already signed the modification, but she still thinks I'm signing the custody over, which I will never do, But ya she's trying anyways. I could tell her that, that's clever. Of course I won't sign it, but it would be good to see her reaction. (about not paying support if I sign custody over, ha ha) Ya poor boy, his mom really has him messed up. She has temp custody, and I had to bring him to the hospital because of the condition he was in when I picked him up for the weekend.

Can someone answer these statements for me? Can someone help me with these statements!? Can you classify these statements as federalism or checks and balances in the following, and explain your answers and for checks and balances; explain which branch is checking which branch. 1. Ohio will not treat a same-sex relationship that is considered a marriage in New Hampshire as a marriage in Ohio. 2. San Diego county filed papers last year asking the U.S. Supreme Court to erase California medical marijuana law, arguing that federal prohibitions outlawing the substance supersede California's law allowing sick people to use it. The supreme court rejected the case. 3. President Obama stepped into a growing political furor over the nation's troubled foreclosure system. Thursday by vetoing a little-known bill passed by congress that critics say would have made it easier to evict homeowners who missed their payments. 4. A federal judge declared the U.S. military’s ban on openly gay service members unconstitutional Thursday , saying the “don’t ask, don’t tell policy (a federal law that prohibits any homosexual orientation or bisexual person from disclosing his or her sexual orientation or from speaking about any homosexual relationships) violates the 1st Amendment right of lesbians and gay men. 5. In an 8-1 decision issued April 20, 2010, the United States Supreme Court declared unconstitutional a federal law intended to criminalize the commercial creation, sale, or possession of certain depictions of animal cruelty. The case arose after Robert Stevens was convicted of violating the law by selling various videos, including of dog fighting and pit bulls attacking other animals. 6. U.S. President Barack Obama's nomination of Elena Kagan to the Supreme Court won Senate approval.

Maybe biggest and frauduent 'bail-out funds' given to wrong people? Flawed Paperwork Aggravates a Foreclosure Crisis As some of the nation’s largest lenders have conceded that their foreclosure procedures might have been improperly handled, lawsuits have revealed myriad missteps in crucial documents. Jay LaPrete/Associated Press Oct 4, 2010 Jennifer Brunner, the secretary of state of Ohio, has highlighted examples of what her office considers possible notary abuse. The flawed practices that GMAC Mortgage, JPMorgan Chase and Bank of America have recently begun ownership.investigating are so prevalent, lawyers and legal experts say, that additional lenders and loan servicers are likely to halt foreclosure proceedings and may have to reconsider past evictions. Problems emerging in courts across the nation are varied but all involve documents that must be submitted before foreclosures can proceed legally. Homeowners, lawyers and analysts have been citing such problems for the last few years, but it appears to have reached such intensity recently that banks are beginning to re-examine whether all of the foreclosure papers were prepared properly. In some cases, documents have been signed by employees who say they have not verified crucial information like amounts owed by borrowers. Other problems involve questionable legal notarization of documents, in which, for example, the notarizations predate the actual preparation of documents — suggesting that signatures were never actually reviewed by a notary. Other problems occurred when notarizations took place so far from where the documents were signed that it was highly unlikely that the notaries witnessed the signings, as the law requires. On still other important documents, a single official’s name is signed in such radically different ways that some appear to be forgeries. Additional problems have emerged when multiple banks have all argued that they have the right to foreclose on the same property, a result of a murky trail of documentation. ~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~ it's so sad. These are not just sub prime mortgages. The questionnable foreclosures number in the millions... should have given bail outs to mortgagors, if only to help them out for a few months.

What to do as banksters keep the public's bailout while continuing to evict homeowners? Watch the video http://www.brasschecktv.com/page/550.html Follow the law Wall Street and its co-conspirators on Main Street had a great plan. Step 1: Ram predatory loans down the market with fraud and deceptive marketing. Step 2: Some of the loans will blow up, but in the aggregate it will all work out and besides, the loans will be bundled and sold off to investors (spreading the toxic waste), so who cares? Great plan, but it had a few problems. Problem #1: It destroyed the world financial system (minor detail) Problem #2 (And he's where it get VERY interesting...) For a loan to be valid, the lender needs to be able to produce the paperwork. Guess what? In their mad greed to screw the American people and line their own pockets, Wall Street forgot that little detail. Many of these loans and been sliced and diced and sold and re-sold so many times that not only is the paperwork not easy to lay hands on, in some cases, it's not clear who actually owns the loan. Here's where property law comes in. If the bank can't produce the documents and the real owner of the loan can't be identified, the contract is null and void. You've got to hand it to Congresswoman Marcy Kaptur (and Ohio which produces a lot of great Congresspeople.) By telling a bank to "produce the note," a homeowner can delay foreclosure by forcing the lender to prove the suing institution is actually the same which owns the debt. Now, the banks own sloth and disorganization (and inherent dishonesty) can be used against it. Final word: The media (and Wall Street and its criminal partners in Congress and the former Bush White House) love to call these loans sup-prime. Here's the old fashioned word: predatory. Many of the loans that were made in the past five years that have created so many problems would have been illegal until Bush & Co not only gutted lending laws, but also literally sued states to stop them from enforcing their own lending laws. Former governor Elliott Spitzer was the ring leader of the state movement to enforce local lending laws...and you saw what happened to him. He's no saint (and truth be told, he's kind of a jerk) but if every politician who went to hookers was busted, Washington and all the state capitals would be ghost towns

How can I get rid of a house I no longer want? My mother in law bought the house I lived in with my husband and family in 1996. She died in 2004, and my husband inherited her property. A friend of his told my husband that until you settle the estate through the courts, you don't have to make the house payments. HA, HA, that wasn't true. So my dumb husband does not make the payments, and the house goes into foreclosure, which he didn't even try to stop...he never even opened the court papers...it was a default judgment. I knew nothing about this; he never told me, and since the mortgage was still in his mother's name, all the paperwork went to the house she had lived in, and I didn't see it. So, the house came within 24 hours of being sold at sheriff's sale. My husband declared emergency bankruptcy. He then dismissed it and went through Loss and mitigation with the mortgage company...BUT...he never took his mother's name off the mortgage. Then, he died suddenly last February, just as the original Loss and Mitigation agreement was coming to an end. I called to explain the situation to them, and the company told me to keep making the payments until they told me otherwise. In May, they put me on the "Obama plan" and told me it would run out in December...BUT...despite the fact that I sent several death certificates in to them, and talked to them, my late mother in law is STILL on the mortgage, and the company still calls and asks to speak to her. The furnace quit in October, a high pressure pipe burst at the beginning of November, the house needs MANY repairs, since my late husband was a do-it-yourselfer who used duct tape to hold everything together. Last month, my 3 kids and I couldn't stand it any longer, since there was no heat, no hot water, (the hot water tank went too), and we had to keep the water shut off until we needed it because the pipe leaked. There was no money for repairs, since my husband left no insurance, no money, and nothing but unpaid debts. So we moved into an apartment. I can't sell the house, the area I live in has so many houses for sale it's not funny. I am not listed as the owner, my husband's name is still on the property, and I’m not on the mortgage. Can I just turn the property over to the bank, and leave it at that. I don't want anything more to do with it. I hate it, and I just want to be free of it. Since I don't own it, or am not on the mortgage, and my husband left no estate worth speaking of, can I hand over the keys and walk away. I live in Ohio.

Why are republicans trying to steal this election whilst falsely trying to blame ACORN of Voter fraud? We're hearing a lot about the trumped-up charges against ACORN these days—but very little about the massive voter suppression campaign being orchestrated by the Republicans. The GOP is trying to purge thousands of Democratic voters off the rolls in states like Ohio, Florida, and Colorado.1 John McCain and Sarah Palin are falsely accusing a community organizing group—ACORN—of voting fraud to distract the media from their own party's wrongdoing.2 Worst of all: It's working. The truth is, McCain is vilifying ACORN to justify voter suppression—making it harder for Obama supporters to vote. For over twenty-five years, Republicans have promoted the myth of voting fraud to argue for restrictive voting laws—but Bush's own Justice Department found virtually no organized voting fraud.3 Now McCain is attacking ACORN in order to justify a frenzy of lawsuits making it harder for Obama supporters to vote. Here's what he's not telling you: * The only fraud committed was against ACORN itself. ACORN hired 13,000 workers to register a remarkable 1.3 million new voters. And a few of them turned in registration forms with inaccurate and even made-up names to get credit for work they didn't do. ACORN fired them and turned them over to the authorities.4 * ACORN reported the fraudulent registration forms. In most states, ACORN is required by law to submit all forms collected whether they appear to be bogus or not—that way election officials, not partisan groups, can make the call. ACORN flags cards that may not be legitimate. And in many places, the charges of fraud only came up because ACORN was the one who flagged the cards!5 * This won't have any impact on the election. No one is allowed to vote unless they are properly registered. And there is no evidence of false registrations actually leading to organized voting fraud.6 We can't let false charges of voting fraud distract us from the very real voter suppression campaign that is already well under way. Republicans are looking for typos on voter registration forms, threatening to challenge homeowners facing foreclosure, and falsely warning that voters with outstanding traffic tickets may be arrested if they go to the polls.7 P.S. You can learn more about the false charges against ACORN by clicking here: http://acorn.org/quickfacts P.P.S. Republicans aren't just smearing ACORN—they're smearing Barack Obama, too, by sending around untrue emails about him. Have your friends or family ever forwarded you an email with false attacks on Obama? If so, be sure they know the truth. Forward the email to The Center for Political Accuracy, and they'll reply with the true facts for you to respond with: info@politicalaccuracy.org Sources: 1. "States' Actions to Block Voters Appear Illegal," New York Times, October 8, 2008 http://www.nytimes.com/2008/10/09/us/politics/09voting.html "Check-off box delays thousands of voter registrations," Denver Post, October 14, 2008 http://www.denverpost.com/previous2/home/ci_10713377 2. "ACORN defends efforts amid voter-fraud allegations," Associated Press, October 14, 2008 http://news.yahoo.com/s/ap/20081014/ap_on_el_pr/voter_fraud 3. "In 5-Year Effort, Scant Evidence of Voter Fraud," New York Times, April 12, 2007 http://www.nytimes.com/2007/04/12/washington/12fraud.html "The Truth About Fraud," Brennan Center for Justice http://www.truthaboutfraud.org/ 4. "The Truth About ACORN's Voter Registration Drives," ACORN http://acorn.org/quickfacts "Group Answers Charges of Voter Registration Fraud," New York Times, October 14, 2008 http://thecaucus.blogs.nytimes.com/2008/10/14/acorn/ 5. "Voter Group Admits Mistakes, Defends Work," ABC News, October 14, 2008 http://www.moveon.org/r?r=31241&id=14429-4784631-A2I9pRx&t=5 "Is there ACORN fraud in Florida?," Orlando Sentinel, October 15, 2008 http://www.moveon.org/r?r=31239&id=14429-4784631-A2I9pRx&t=6 6. "'Fraud' vs. 'Suppression'," Politico, October 14, 2008 http://www.moveon.org/r?r=31240&id=14429-4784631-A2I9pRx&t=7 7. "After A Surge in Registration, A Surge in Suppression," Brennan Center for Justice, October 7, 2008 http://www.moveon.org/r?r=31236&id=14429-4784631-A2I9pRx&t=8 "Democrats fear GOP will turn away foreclosed voters; GOP won't rule out using residency change to challenge a ballot," Indianapolis Star, October 3, 2008 http://www.moveon.org/r?r=31237&id=14429-4784631-A2I9pRx&t=9 "Vote-scam fliers target black neighborhoods," Philadelphia Daily News, October 2, 2008 http://www.moveon.org/r?r=31041&id=14429-4784631-A2I9pRx&t=10

i need help with my history can you help me please? After the affair at Harper's Ferry, abolitionists considered John Brown to be A. a likely candidate for president of the Union. B. a martyr to the antislavery cause. C. an advocate of Southern interests. D. a fanatical madman. 2. With many black and white casualties, the slave uprising in Southampton, Virginia, in 1831 is known as the A. Nat Turner Insurrection. B. Cato Conspiracy. C. Denmark Vesey uprising. D. Gabriel Plot. 3. The famous words "Don't give up the ship" were spoken by A. James Lawrence. B. Winfield Scott. C. John Paul Jones. D. Stephen Decatur. 4. What happened as a result of the Battle of Fallen Timbers and the Treaty of Greenville? A. Indians ceded much of Ohio to the United States. B. Ohio and Indiana became states. C. "Mad Anthony" Wayne became governor of Ohio. D. Many settlers headed west, leaving the Ohio Valley. 5. Who was known as the "Great Compromiser"? A. Andrew Jackson B. Henry Clay C. Daniel Webster D. John Quincy Adams 6. "Old Hickory" was the nickname of A. John Tyler. B. Andrew Jackson. C. James Buchanan. D. Abraham Lincoln. 7. As Chief Justice of the Supreme Court, Marshall's decision in Marbury v. Madison (1803) established A. the principle of judicial review. B. the power of the court to enact laws. C. the electoral college. D. the right of the court to invalidate a state law. 8. The chief spokesman for states rights was A. Jefferson Davis. B. John C. Calhoun. C. Robert E. Lee. D. Henry Clay. 9. Slaves were helped in their attempts to gain freedom by the A. suffragettes. B. unionists. C. refuseniks. D. abolitionists. 10. The founder of the first American colony in Texas was A. William B. Travis. B. Davy Crockett. C. Sam Houston. D. Stephen F. Austin. 11. The first state to ratify the Constitution was A. Virginia. B. Pennsylvania. C. New Jersey. D. Delaware. 12. After the fall of Fort Sumter, which of the following border states joined the Confederacy? A. Missouri B. Kentucky C. Arkansas D. Maryland 13. America's first Secretary of State was A. John Adams. B. Thomas Jefferson. C. Alexander Hamilton. D. James Madison. 14. The first Chief Justice of the U.S. Supreme Court was A. Alexander Hamilton. B. Edmund Randolph. C. John Jay. D. George Marshall. 15. The first Southern state to secede from the Union was A. Georgia. B. Virginia. C. South Carolina. D. Texas. 16. The Shays' Rebellion was mainly a response to A. the threat of farm mortgage foreclosures. B. taxes on whiskey. C. a financial crisis in the U.S. Congress. D. trade disputes among the states. 17. The "George Washington of South America" is another name for A. Francisco Miranda. B. Jose de San Matrin. C. Antonio de Santa Anna. D. Simón Bolívar. 18. The battle that proved to be the turning point of the Civil War was the battle of A. Chancellorsville. B. Gettysburg. C. Antietam. D. Bull Run. 19. Running on his record as a hero of the Mexican War, _______ ran as the Whig Party candidate and was elected president in 1848. A. Zachary Taylor B. Winfield Scott C. Stephen Kearny D. Millard Fillmore 20. What amendment to the Constitution ended slavery? A. Thirteenth B. Twelfth C. Fifteenth D. Fourteenth 21. What president was impeached for defying the Tenure of Office Act? A. Ulysses S. Grant B. Rutherford B. Hayes C. Andrew Johnson D. Franklin Pierce 22. The supporters of the Constitution were know as A. Whigs. B. Democrats. C. Federalists. D. Republicans. 23. The first public high school was founded in A. Jamestown. B. Philadelphia. C. Boston. D. Albany. 24. The American author who wrote about New England Puritans was A. Nathaniel Hawthrone. B. Harriet Beecher Stowe. C. Edgar Allan Poe. D. Herman Melville. 25. The United States doubled its size because of the A. War of 1812. B. Louisiana Purchase. C. Texas Annexation. D. Mexican War.

How would you deal with a super slow contractor? In July 2008 we signed a contract with a septic system installer in northern Ohio to bring our system up to code (it was working, but local laws required it be upgraded.) There were some extenuating circumstances I know slowed him down (he broke his leg in Sept., snow starting in Oct, his employee, my husband's friend, had to go in for surgery to remove an eye tumor in early spring and lost his eye.) But every time we called he was "getting to it" but rarely showed up until we called and let him know our house was under contract and that if he didn't get the work done, we couldn't close. Suddenly, he was there the next day. Work went well and he got a passing tag for the system, so we were able to close two weeks ago. But there is still one problem the county doesn't know about that he needs to fix. He told my husband he was going out yesterday, but I haven't confirmed that actually happened. It could be a minor problem involving some digging, or a major one that would require removing the basement floor of the house...that we no longer own. I'm fed up because county regulations require that the work be done within 60 days of filing the permit, which was done at the same time we signed the contract with this contractor. I want to ask him for a discount, and somehow explain to him that we will not pay for this work anymore. He hasn't invoiced us yet because of this problem he has to figure out still. It's starting to snow in OH again, and if we don't either get it done or wash our hands of it, we're going to be waiting for another 9 months. It's no longer our house, and I don't want it hanging over our heads when we are trying to fix up the foreclosure we are currently buying. The thing that frustrates me most is this guy came with highest recommendations for high quality, timely work; so we chose him over much less expensive bids. Am I wrong to expect some sort of recompense? How would I go about asking for some? And how do I give this guy an ultimatum about how long he has to finish up? I also don't know how to deal with this if he tells us that the floor is going to have to come up to get to the broken pipes - it's not even our house! Thanks.

If you are against the bailout are any of these 12 House reps yours? They may change to yes vote? Rep. Rodney Frelinghuysen (R-N.J.) According to one senior GOP aide, Frelinghuysen was a yes but reversed his vote at the last minute. Afterward, Frelinghuysen called for more hearings and debate on the bill, saying, “We have not adequately consulted, deliberated and explained this to the American public and our constituents.” Rep. Jim Ramstad (R-Minn.) A retiring moderate Republican, Ramstad could have voted for the bill without worrying about a voter backlash in November. But he complained that the rushed debate had left “the final cost to taxpayers ... uncertain” and said he would prefer an insurance plan to a bailout. Rep. John B. Shadegg (R-Ariz.) Although John McCain’s campaign said he was working to rally House GOP support, not a single Republican from McCain’s home state voted for the bill. Shadegg wants changes in mark-to-market accounting rules and an increase in Federal Deposit Insurance Corp. limits. Rep. Steven C. LaTourette (R-Ohio) A close friend of House Minority Leader John A. Boehner, LaTourette opposed the package. Later, LaTourette said in a statement he wants to double the amount of FDIC insurance and allow U.S. companies operating overseas to bring assets back to the United States. Rep. Doc Hastings(R-Wash.) A moderate Republican, Hastings told the Yakima Herald that he was undecided until Sunday night. In the end, he said he voted no because there were still “too many concepts” and not enough details about taxpayer exposure. Rep. Judy Biggert (R-Ill.) Like many other Republicans on the Financial Services Committee, Biggert voted against the bill. But Biggert has said Congress needs to act, and she has expressed support for some sort of government-backed insurance plan that would allow business, rather than taxpayers, to assume more risk. Rep. Xavier Becerra (D-Calif.) A close ally of House Speaker Nancy Pelosi and a member of the Democratic leadership, Becerra ultimately voted no because he “wanted to see direct protections for responsible homeowners” in the bill. Rep. David Scott (D-Ga.) A member of the Congressional Black Caucus, Scott said after the vote that he could back the plan if 1 percent of the $700 billion were set aside in a program to prevent foreclosures. Rep. Hilda L. Solis (D-Calif.) With foreclosures in her district nearly tripling in the past few months, Solis said she opposed the bailout because it “lacks needed reform of bankruptcy laws” that may help keep people in their homes. Rep. Shelley Berkley (D-Nev.) While Berkley voted no, aides said she would be inclined to support the bill if it placed “tougher restrictions on CEO pay.” Aides also said she is looking for more specific language on the regulation of Wall Street. Rep. Bill Delahunt (D-Mass.) Another close Pelosi ally, Delahunt said he voted no because the bill would have done too much to help the firms that caused the problem. Delahunt wants to lessen the burden on taxpayers and has proposed assessing a transaction fee on lenders who turn over bad mortgage securities to the government. Rep. Stephanie Herseth Sandlin (D-S.D.) While a majority of her fellow Blue Dogs voted for the bill, Herseth Sandlin ultimately opposed it because she thought it would give Treasury Secretary Henry Paulson a “vast amount of power” without “effective oversight.” If one of these is yours will you make sure to contact them to tell them to vote 'no' on the bailout? You can use this link if you like: http://70.32.73.101/contactcongress.php#.

Ohio Law: Spouse's obligations to a Foreclosure who is not on the mortgage? I bought a house in Dayton OH in 2004, and remarried in 2006. My wife has her own home in Cincinnati and is not on any legal documents concerning the house in Dayton. She has never made any payments towards the Dayton house. Can the Mortgage company still go after her individual financial assets even though she has literally nothing to do with the Dayton house? We were not even married when I bought the house. If so, what? and is there anything I can do to stop the mortgage company from going after her financies?