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An Article
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The American Home- A Thing of the Past
Homeowners are taking to the airwaves, bombarding politicians, publishing newsletters, creating websites
February 18, 2001
By
AHRC News Services
Copyright 2001 AHRC News Services
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1. We have had to foreclose on one unit in the last 5 years. - By CAI manager George Enfeldt
"No one is forcing you to live in a CID" Interesting you should say that. Today our group of over 350 people currently residing in a homeowners association, just recieved a set back in the form of a mandate from our county hearing examiner.
It requires all the new developments in our "urban growth area" to belong to a homeowners association....but it doesn't stop there....
Those of us already residing under the non democratic rule of one association have been mandated to join a "larger association that will encompass the entire urban village, in order to maintain more regional facilities" (30 acres park)
And you say we have a choice? I assure you that many of us do not.
Growth in our area is limited to "urban growth areas" aka UGA's
The result is an artificial shortage of buildable land and premium prices for the buildable acreage that is left outside the UGA.
There is no choice as other available land is now out of financial reach for most of us. Now the only affordable housing choices we have are in clear-cut, mass produced developments under the rule of developer controlled HOA's.
It might be hard for you to comprehend this since you make your living from the very system, that chokes the choice out of a so-called free market.
My big question is...do the developers, politicians, lawyers, and management companies role out from the left or the right side of the bed when they get up in the morning?
Posted Feb 2 2005 4:18AM CET
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Karla McArdle
, Washington |
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Re: Comment # 1- by George J Einfledt PCAM, LSM, CCAM
I see that you have a bunch of alphabets after your name. What do those stand for?
PCAM-People Confiscating All (the) money
LSM-Let's Steal Money
CCAM-Committe (to) Control And Manipulate
Posted Jul 18 2004 7:40AM CEST
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Username withheld
Pittsburg, California |
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Re: Comment # 6:6. Victims of private mortgage lenders, who are not regulated like the banks? ÂÂ
Private mortgage companies should be regulated. I am sure there are many homeowners who are being gouged by some, just like you.
Government representatives are there to protect people and property from such crimes. It is up to the citizens to make them aware of the problems,and get them to enact laws or close loopholes in law.
I would start writing emailed and faxed web published letters to your local representatives and the California Assembly and Senate Housing Committee members with press release copies to the media. AHRC provides you with these communication and publishing tools.
Follow up with calls and office visits. That's what lobbyists do. Every citizen homeowner should do their own lobbying.
By publishing the issue, you can build the coalition you need to achieve your objective.
After all you have a vote and some say on the paycheck of your government employees.
Posted Jul 17 2004 2:52PM CEST
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Username withheld
, California |
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Good points, "name withheld" people.
The gas company can't take my house, or my gas stove or my gas heater, for that matter. They can't even take my gas meter. The electric copmany can't take my TV, and the water company can't take my garden hose. So why should a homeowner's association be able to take my house?
And what about us victims of private mortgage lenders, who are not regulated as the banks are. The woman who sold me this house foreclosed when I was not behind on my payments. She simply did not cash my check, and then she filed a form with the county recorder for less than $100. I found that there was absolutely no process for me to object. The problem is non-judicial foreclosure.
I needed at least $5,000 for a down payment for a lawyer to file a lawsuit that I might very well lose, and which might cost more than my home is worth. My house was about to be auctioned when I managed to get a bankruptcy filed. My credit is screwed up for the next 7 years, but at least I still have my home.
You see, when there is no supervision by any court or government agency, abuses do occur. That's why we need to get rid of all non-judicial foreclosures. They violate our 14th-Amendment rights to equal protection under the law, and to safety and security in our property.
Posted Jul 17 2004 6:26AM CEST
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Tessa Dick
(View Profile)
Crestline, California |
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Re; Comment 1. We have had to foreclose on one unit in the last 5 years. Â . Â
Thank you for your reference to "Joe Homeowner".
I am THE pre-eminent and original 'Joe Homeowner' of HOA's.
I pay my HOA dues but I don't receive services.
The utility company offers me electricity or gas and of course if I don't pay for those services, they get shut off. Understandable. On the other hand, if they DON'T offer me those services, I don't have to pay or "comply" and I certainly don't risk "losing", as you wrote, my home.
Wouldn't it be reasonable to expect then that if the HOA DOES NOT or refuses to offer me services, then I shouldn't have to pay? But NOOOOOOOOOO. I still HAVE to "comply" as you said. What kind of system is that? Communism.
Ima Burnin,
Condohell, California
Posted Jul 15 2004 1:04AM CEST
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Username withheld
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Re; Comment 1. We have had to foreclose on one unit in the last 5 years.
I wouldn't trust anybody that spells words wrong or uses them in the wrong context to be in charge of my finances or my home.
Posted Jul 15 2004 12:51AM CEST
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Username withheld
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Re; Comment 1. We have had to foreclose on one unit in the last 5 years. Â
Let's for a moment take into consideration Mr. Einfeldt, your statement -
"Balony! If you don't pay your 1st, 2nd or 3rd mortgage, your car payment, your consumer credit cards they will take your home, your car or whatever you charged away from you without a second thought."
Last I checked, the banking institutions you refer to (mortgage, credit card, financing) are heavily regulated and licensed by federal agencies. They must follow and adhere to stringent guidelines and laws that when violated are considered criminal acts. Employees of such banking institutions are subject to background checks and fingerprinting.
Fine, if you believe that homeowner associations should be allowed to foreclose like a banking institution, then a property manager that controls the finances of a "large scale PUD of 2100 homes" like you do should be subject to the same banking institution federal guidelines and laws that when violated are considered criminal acts and subject to prosecution.
What about it? Sound like a good idea?
I see that you have a bunch of alphabets after your name. What do those stand for?
Posted Jul 15 2004 12:49AM CEST
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Username withheld
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Re; Comment 1. We have had to foreclose on one unit in the last 5 years. Â
Anyone who provides goods and services, does not have the power take your home, because they do not own it.
They can take the goods or lien your property for the services.
Only the mortgage company who has ownership interest in one's property should have the right to take the property.
Posted Jul 14 2004 4:01AM CEST
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Username withheld
, California |
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Balony! If you don't pay your 1st, 2nd or 3rd mortgage, your car payment, your consumer credit cards, they will take your home, your car or whatever you charged away from you without a second thought.
Not paying your assessments is the same. I run a large scale PUD of 2100 homes. We have had to foreclose on one unit in the last 5 years.
We have some delinquent owners who only pay when a lien is filed and they are in a position to lose their home. They always find funds at the last minute.
In the meantime, the association has run up considerable legal expenses and other homeowners have had to pay the expenses of those who don't. The electric, water, gas, etc companies don't want to hear about Joe homeowner who is delinquent. We either pay or they shut off our utilities.
The percentages of those who lose their home is sooooo small that you are making it sound like it is an epidemic, it's not.
No one is forcing you to live in a CID. It was your choice, so comply. We are always working with people who need help by arranging payment plans, that are reasonable.
George J Einfledt PCAM, LSM, CCAM
General Manager
East Highlands Ranch MHOA
Highland California
Posted Jul 13 2004 11:32PM CEST
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GEORGE EINFELDT
(View Profile)
HIGHLAND, California |
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