Michigan mother’s home being foreclosed upon after just one missed property tax payment

[hue]

Source: Fox17

MICHIGAN (WITI) — A Michigan mother missed one property tax payment — and now, she’s losing her home.

FOX6’s sister station, FOX17 in West Michigan reports Deborah Calley’s struggles began with a devastating car accident.

It happened in 2008, and it left Calley with injuries to her arms, wrists and neck, along with bruises on her brain. She was told the recovery process could take several years, and for awhile, she had trouble doing simple things for herself — like driving and getting dressed in the morning.

In 2010, Calley found a home that would make it possible to raise her two children.

Now, the home Calley calls her “dream home” has been foreclosed upon, after Calley missed a single property tax payment.

“When I paid the taxes in 2012, no one said, ‘oh, well you still owe money for 2011,’ so, I didn’t really have a clue. I thought I was right on time,” Calley said.

FOX17 reports Calley admits confusion and memory problems following the accident may have played a role in the missed payment.

Read more: http://fox6now.com/2014/09/15/michigan-mothers-home-being-foreclosed-upon-after-just-one-missed-property-tax-payment/

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WTH?

[BlueJazz]

1. Now THIS is a part of life that I don't understand >>

"If this was a case where there was a default or a defect in the notices then we would agree that it shouldn't’t go to foreclosure. But, it’s just too late,” Kalamazoo County corporation counsel Thom Canny told FOX17."

So there is absolutely NO WAY that this cannot go to foreclosure ???

OK...Mr. Thom Canny. Imagine the Aliens have landed and they will destroy the earth if this Lady's house goes into foreclosure.
Can you do something now ?

[Kelvin Mace]

2. Imagine "God" will send you to Hell

if you foreclose. Can you do something now?

I agree with you, this nonsense of "nothing we can do" is BS.

[BlueJazz]

3. Oh Yes. "Nothing I/we can do means" #1. You are not powerful. #2. You are not rich.

Please tell me I'm wrong.

[JimDandy]

6. They already received bids for it in August.

The highest bid is only $80,000 and she paid $164,000 for it 4 years ago!

What is even more disgusting though, is that the county gets to keep ALL the profit. Not just the $2,000 they are owed, but whatever the bid is.

[Jerry442]

9. What we need is a law that stops any government entity...

...from itself receiving the income generated by any legal action it takes. It should all go into a general fund or some such.

[Faryn Balyncd]

8. If his only choice is to steal this woman's home, he should RESIGN.

[Skittles]

12. it is obvious they just want her house

bastards

[notadmblnd]

13. Maybe it's their little scam to enrich the city's treasury?

I feel certain that the city would auction the home to the highest bidder. No? The city doesn't have to worry about the bank and neither does the buyer.

So all monies received over the amount owed by the tax payer is gravy for the city.

It wouldn't surprise me some cities discovered a handy way making $$.

[James48]

4. Republican Gov. Rick Snydley Whiplash

signed the changed into law in 2013. They- the Michigan Republican House and Republican Senate, and signed by the republican governor, repealed the requirement that lenders had to meet with home owners before executing a foreclosure.

New Changes to Michigan Foreclosure Law


Foster Swift Banking, Finance & Real Estate E-News
August 12, 2013

A series of house and senate bills that amend Michigan's foreclosure law were signed into law on July 31st, 2013. The current foreclosure law expired on June 30th, and the new bill package is designed to extend the current sunset date in addition to making a few key changes.

Under HB 4765 (now PA 105'13), the expiration date of the current foreclosure law is extended from June 30th to January 9, 2014. Beginning January 10, the changes to the law take effect. The first change is a repeal of sections 3205a to 3205d, the provisions pertaining to notice, face-to-face meetings with the lender, and offers to modify the loan. Lenders seeking to avail themselves of these provisions must provide the notice required under section 3208 by January 9, 2014. Sections 3205a to 3205d will be repealed entirely on June 30, 2014.

more:
http://www.fosterswift.com/publications-Changes-Michigan-Foreclosure-Law.html

Lots of homes are being sold with little or no notice, and judges are going along with it.

Major theft, if you asked me.

[navarth]

10. hope to be rid of that fucker soon. nt

[roamer65]

11. Mark Schauer for governor!!!!!!!

Screw Tricky Rickie.

[JimDandy]

5. She bought the home for cash in 2010

How did this get so far and why the heck didn't the county post the property taxes that she later paid every year to that earliest one? That's what all other companies do (rent, banks, loans).

[Michigan-Arizona]

14. How I remember it

I'm not sure if it's still done this way today........ I sure hope she can save her home!


2011 owed

2012 owed

2013 payed

they would base the taxes in default & sell it at a tax sale

as I said not sure if it's still done that way as I've not lived there for a number of years

[JimDandy]

15. That's odd. The report said she had missed

only that one tax payment in 2011. Her specific complaint was that when she went in and paid her taxes in 2012, they never said anything to her about the unpaid 2011 tax owed.

Hope she finds relief from somewhere-maybe the judge. She is someone who is truly deserving of a funding campaign, unlike Officer Wilson.

[Michigan-Arizona]

16. I would think they should have sent her a notice first for her to make it right

I'm guessing she had a pretty bad tax collector clerk that didn't bother to tell her that she should have paid up the 2011 first & pay the 2012 later... They are not obligated to tell us that but a descent one would have..... An old neighbor of mine back in Michigan years ago.... She almost lost her house this way but they sent her a notice & she scrambled to come up the the money....... Yes I sure do hope she find's help & can save her home, what a shame

[Kaleva]

19. I think her confusion and memory loss did play a big role in all of this.

But I also hope that the judge will rule to allow her to pay for the past due tax and then she can keep her home.

Apparently, Kalamazoo county cannot, by law, accept payment past a certain point even if the homeowner walks in with cash in hand. So it's up to the judge now.

[armed_and_liberal]

7. Leave a little message on the county's face book page.

https://www.facebook.com/KalamazooCountyGovernment/timeline

[freshwest]

17. Foreclosures for property taxes were forbidden where I lived growing up if the house was a homestead

meaning the residence of the owner. Property taxes would be paid after death of the owner or with the sale of the property. That change was made years after my grandfather died and his home with hundreds of acres was taken by the county where the orphaned minors lived. At one time people went to courthouses looking to see notices of impending seizures. But not if on declared homesteads.

The story has a mention of banks, and unless she had a home improvement loan, which can put a mortgage on a home and end up taking it, their mailing notices to banks she did not do business with sounds like they are looking for a buyer. This doesn't sound like an error of paperwork and 'holding the letter of the law' in this case is not reasonable.

The city's fiscial interest is obvious from the link and unjust. They fully intend to take a home worth $164,000 for $2,000, and keep the $162,000 difference as a profit to the city.

When I was in a similar situation, in my paid off, debt free home and was struggling to make that annual tax payment, the city I lived in then took payments. I was thrilled the year that I was able to pay it all in one payment. after years of only being able to make payments monthly. But that was 40 years ago.

There needs to be a huge outcry about this, the tax is not meant to be fine for a crime committed.

[DeadLetterOffice]

18. Here's a link for sending the county board an e-mail

...and telling them what low-lifes they are being:
http://www.kalcounty.com/contact.php