What ever happened to VAS ENTERPRISES since the corruption scandel broke out and they allegedly lost their contract with Cuyahoga County? Who replaced these wise guys? 

Are you sincerely trying to tell me that our entire Cuyahoga County Administration had NO OVERSIGHT or foresight to the devastating affects of this game? 

 

Real estate scam emerges — 'Crash and inflate' method generally leads to foreclosure ..... back in 2007 and long before......

oops...just a little oversight while inflation of property values skyrocketed 64% in 10 years!!! HELLO CUYAHOGA COUNTY...

 

....and who else but our public servants would become the violators of our laws designed to protect our people??? 

should have covered appraisals by County Auditor's too! 

Consumer practices violated and damages awarded.... here's the case file from STATE V APEX MORTGAGE filed in Belmont County, Ohio.

The Mortgage Fraud Task Force indicted uncountable folks....  but not our County Auditor or County Treasurer for failing to oversight these transactions for YEARS! Now look at our community at large!!!! 

THE FALL GUYS PROVIDED FOR SMOKE & COVER FOR THE COUNTY CORRUPTION... 

The FALL GUYS are those who were ALLOWED TO GET AWAY WITH THESE CRIMES while our PUBLIC SERVANTS PLAYED DUMB....and lived large! 

With funding from the Ohio Attorney General's Office and the Ohio Organized Crime Investigations Commission, the Cuyahoga County Mortgage Fraud Task Force was formed in December 2007. To date, 289 defendants have been indicted for approximately $111 million in fraudulent loans for 812 houses. Of the 812 houses, 616 fell into foreclosure.

Mortgage Fraud Leads to Foreclosure....from a 2009 report by the AG.

CITY Houses Included in Indictment Houses Involved in Foreclosure

Cleveland	239	199
Cleveland Heights	74	59
Maple Heights	33	25
Euclid	18	14
University Heights	14	10
East Cleveland	13	11
Garfield Heights	12	11
Shaker Heights	12	6
Lakewood	8	7
South Euclid	7	4
Lyndhurst	5	2
Beachwood	3	1
Bedford Heights	3	2
Bedford	2	2
Mayfield Heights	2	1
Warrensville Heights	2	1
Glenwillow	1	1
Highland Heights	1	0
Oakwood	1	1
Olmsted Township	1	1
Strongsville	1	0
Total	453	358 (79%)

 

 Do you believe that our County Auditor, Board of Revisions, and the County Treasurer participated in violations of the Consumer Sales Practices Act????? 

SEE BELOW! 

 The Ohio Consumer Sales Practices Act (“CSPA”) is designed to protect consumers from unfair, deceptive and unconscionable acts or practices by suppliers.  R.C. 1345.02-1345.03.  To achieve this goal, the Ohio legislature broadly defines consumer transactions as “a sale, lease, assignment, award by chance, or other transfer of an item of goods, a service, franchise, or an intangible, to an individual for purposes that are primarily personal, family, or household, or solicitation to supply any of these things.”  R.C. 1345.01.[1]  Or, in the words of one notable Court, “it gives protection to consumers from “unscrupulous suppliers” in a more expedient and affordable manner than a tort or contract action under the common law.”  Walker v. Dominion Homes, Inc. (2005), 164 Ohio App.3d 385, 2005-Ohio-6055, quoting Eihnhorn v. Ford Motor Co. (1990), 48 Ohio St.3d 27, 29.  It is simply remedial legislation to be liberally interpreted in favor of the consumer. 

     The consequences of being found liable under the CSPA can be severe.  R.C. 1345.09.  Where an act is declared “deceptive or unconscionable” by the trier of fact, or to violate section 1345.02 and 1345.03 of the Ohio Revised Code, the consumer may elect to “to rescind the transaction or recover, but not in a class action, three times the amount of his actual damages, or two hundred dollars, which ever is greater, or recover other appropriate relief under Civil Rule 23, ***.

      Notwithstanding, the consumer bears the burden of demonstrating the alleged violation satisfies the criteria of R.C. 1345.09(B).  Consequently, a court may find a defendant committed an unconscionable act under the CSPA, but elect to deny treble damages.  Sinkfield v. Strong (1987), 34 Ohio Misc. 2d 19, 21.   

     A prevailing party may also be awarded reasonable attorneys’ fees if:

(1)  The consumer complaining of the act or practice that violated this chapter has brought or maintained an action that is groundless, and the consumer filed and maintained the action in bad faith;

(2)  The supplier has knowingly committed an act or practice that violates this chapter.

R.C. 1345.09(F)

     In order to meet the criteria for “knowingly” committing an act or practice in violation, the supplier need only to commit the act that violates the CSPA.  The supplier does not have to have the knowledge that the act violates the statute to allow for the granting of attorneys’ fees.  Einhorn, supra.

PART SIX — OFFENSES AND BUSINESS ACTIVITIES CODE

Title III — Consumer Protection

Chapter 641 — Definitions

Complete to June 30, 2010

CROSS REFERENCES

Unfair trade practices prohibited, CO 643.02

Definitions for prescription drug prices, CO 645.01

Unit pricing definitions, CO 647.01

 

Once the sheriff's sale occurs, can I still save my property?

Yes. You may redeem your property after sheriff’s sale by paying in full all of the liens on the property and all of the costs of the case within eight days of the date of sale. The Magistrates Department has sample motions to redeem. To complete a redemption, a motion to redeem must be prepared, all of the lien holders must be contacted for payoff amounts, the Sheriff’s Department and the Clerk of Court must be contacted to determine the costs of the case, and a journal entry must be prepared ordering the redemption and ordering the distribution of the funds to the various parties. A sample of this order is available from the Magistrate’s Department. The amount of Sheriff’s costs may be obtained by calling 216-443-6037. Clerk’s costs may be obtained by calling 216-443-7979.

The purchaser must be paid interest on his or her deposit at the rate of 8% per annum the Clerk of Court must be paid poundage at the rate of 2% of the first $10,000.00 of the total redemption amount and at the rate of 1% for the remainder of the total redemption amount.

When the necessary information has been obtained and the necessary documents prepared, the documents must be filed with the Clerk of Courts and submitted to the magistrate assigned to your case. After the magistrate has approved the submitted documents, a certified check in the verified redemption amount must be submitted to the magistrate. Once the magistrate confirms that the check is for the proper amount, the judge will sign the order of redemption. After, the judge signs the redemption entry, the check and a certified copy of the entry must be taken to the Cashiers Window in the Clerk of Court’s office to complete the redemption.

As you may have determined from this brief summary of the redemption process, it is a very complicated procedure involving numerous calculations. You are strongly advised to seek the assistance of a lawyer for your redemption.

The redemption process may take longer than the eight days granted by law. While you do not have an absolute right to additional time to redeem, you may seek additional time to redeem by filing a motion to stay confirmation. Whether you are granted additional time to redeem is in the sole discretion of the judge assigned to the case.

If I am unable to save my house from foreclosure, when do I have to move out of my house?

As part of the decree of foreclosure, the purchaser at sheriff’s sale is awarded a “writ of possession”. This allows the purchaser to evict the former owners of the home without the need to file a separate eviction case. The purchaser must notify the Sheriff’s Department that he or she desires to have the previous owner evicted. At this point a representative of the Sheriff’s Department will notify the previous owners of the house in question of the date by which they must vacate the premises, usually within two weeks of the notification.

If there is money left over after a sheriff's sale, who is entitled to this money?

       Once the plaintiff and any other parties who have claimed a lien on the property have been paid out of the sheriff’s sale proceeds, the party who owned the property at the time of sheriff’s sale is entitled to any remaining funds. In order to receive these funds, the owner of the property at the time of sheriff’s sale must file a motion to distribute balance of funds with the Clerk of Court. A sample motion to distribute balance of funds can be obtained by visiting the Magistrates’ Department.