Upcoming Foreclosures

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.

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!

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#.