The study is a bad assessment because it omitted the Detroit Land Bank Authority.
In the spirit of fuchsia...
In the spirit of fuchsia...
Study: Bad assessments prompt 10K Detroit foreclosures
One in 10 Detroit tax foreclosures between 2011 and 2015 were caused by the city's admittedly inflated property assessments, a study by two Chicago professors has concluded.
Keep in mind that only one in 10 in Detroit property tax foreclosures were addressed in this study. I will be addressing the other 9 out of 10.
Keep in mind that only one in 10 in Detroit property tax foreclosures were addressed in this study. I will be addressing the other 9 out of 10.
Over-assessments causing foreclosure were concentrated in the city's lowest valued homes, those selling for less than $8,000, and resulted in thousands of Detroit homeowners losing their properties, according to the study.
Many of these homes were targeted for foreclosures, as represented in entire blocks of vacant homes due to predatory lending. When I say predatory lending, I mean people taking out mortgages that were sold off and bundled to out of state fake corporations that in turn bundled and sold them again to foreign corporations, where property values were inflated for bundling purposes. These mortgages even bundled up property tax payments to the City which were never paid, so people were paying their property taxes in many instances.
Many of these homes were targeted for foreclosures, as represented in entire blocks of vacant homes due to predatory lending. When I say predatory lending, I mean people taking out mortgages that were sold off and bundled to out of state fake corporations that in turn bundled and sold them again to foreign corporations, where property values were inflated for bundling purposes. These mortgages even bundled up property tax payments to the City which were never paid, so people were paying their property taxes in many instances.
"The very population that most needs the city to get the assessments right, the poorest of the poor, are being most detrimentally affected by the city getting it wrong," said Bernadette Atuahene, a law professor at the Chicago-Kent College of Law who has studied the impact of the city's over-assessments on homeowners.
No one cares about "The Poors" (always said with clinched teeth) because there were plans already being rolled out on land speculation.
No one cares about "The Poors" (always said with clinched teeth) because there were plans already being rolled out on land speculation.
"There is a narrative of blaming the poor that focuses on individual responsibility instead of structural injustice. We are trying to change the focus to this structural injustice."
In order to change the structural injustice, you have to stop the fraud.
In order to change the structural injustice, you have to stop the fraud.
The Wayne County treasurer foreclosed on about 100,000 Detroit properties for unpaid property taxes from 2011 through 2015, about a quarter of all parcels, as the city suffered the after-effects of population decline, the housing market crash and the Great Recession.
The technical term is called forced migration. It was intentional.
The technical term is called forced migration. It was intentional.
The study, co-authored by Christopher Berry, a professor at the University of Chicago Harris School of Public Policy, is the first to publicly estimate how many foreclosures were caused by the city's chronic over-valuation of city property, the authors say.
The City was well aware of over-valuation of city property as seen with individuals contesting in front of City Council, who were too busy trying to figure out how to get a few of these homes and reduce their own property taxes.
The City was well aware of over-valuation of city property as seen with individuals contesting in front of City Council, who were too busy trying to figure out how to get a few of these homes and reduce their own property taxes.
Atuahene and Berry acknowledged many things trigger tax foreclosure, anything from an owner's job loss to a death in the family.
...or dealing with the Solid Waste Disposal Fee that was magically sent over to the Wayne County Treasurer's Office for foreclosure that no one knew about because Detroit Property Tax Assessors just put the fee on the tax bill, with no due process of a court of law, without notification.
...or dealing with the Solid Waste Disposal Fee that was magically sent over to the Wayne County Treasurer's Office for foreclosure that no one knew about because Detroit Property Tax Assessors just put the fee on the tax bill, with no due process of a court of law, without notification.
They estimated the number of foreclosures caused by over-assessments in part by calculating the foreclosure rate if all properties were properly assessed. The study also controlled for properties various purchase prices, neighborhoods and sale dates.
The study failed to mention the Detroit Land Bank Authority or the Detroit Economic Growth Corporation, being conducted with data from 2011 through 2015, which would be considered to be excluded endogenous variables, making the conclusion of the study to be suspect because they were doing quiet titles wiping which were wiping out property taxes behind the backs of unsuspected property owners.
The scheme went like this: You may or may not, more thank likely not, were notified by the City of delinquent property taxes that were sent over to Wayne County Treasurer before they officially went into the foreclosure period. By the time you found out that Wayne County had assessed an outrageous late fee and charges, almost coming up to 50 percent of what the original taxes were, you were too busy muddling through City and County governments trying to find resolution, or at least answers, the Detroit Land Bank Authority had filed a lis pendens, of which they only notified the property, and not the property owner, because they were too busy "maximizing revenues" in fake billing for the quiet title process, the property ownership was transferred, probably NSP2 mortgages were taken out, defaulted, and a second quiet title was filed to wipe out the mortgages, sold, and levied those outrageous delinquent property taxes upon the new owner who purchased the home from the online auction, getting a certified cashier's check, from a bank, in the name of Title Source, Inc. ̣really, they told you to make the check out the TSI, then sent the tax money back to the City, which in turn, was "refunded" to.... I shall assume, TSI, where the money was....I shall assume, used to fund political campaigns.
The study fails to even mention TARP, let alone the state law which grants authority for the Detroit Land Bank Authority to capture 50 percent of the property taxes.
The study failed to mention the Detroit Land Bank Authority or the Detroit Economic Growth Corporation, being conducted with data from 2011 through 2015, which would be considered to be excluded endogenous variables, making the conclusion of the study to be suspect because they were doing quiet titles wiping which were wiping out property taxes behind the backs of unsuspected property owners.
The scheme went like this: You may or may not, more thank likely not, were notified by the City of delinquent property taxes that were sent over to Wayne County Treasurer before they officially went into the foreclosure period. By the time you found out that Wayne County had assessed an outrageous late fee and charges, almost coming up to 50 percent of what the original taxes were, you were too busy muddling through City and County governments trying to find resolution, or at least answers, the Detroit Land Bank Authority had filed a lis pendens, of which they only notified the property, and not the property owner, because they were too busy "maximizing revenues" in fake billing for the quiet title process, the property ownership was transferred, probably NSP2 mortgages were taken out, defaulted, and a second quiet title was filed to wipe out the mortgages, sold, and levied those outrageous delinquent property taxes upon the new owner who purchased the home from the online auction, getting a certified cashier's check, from a bank, in the name of Title Source, Inc. ̣really, they told you to make the check out the TSI, then sent the tax money back to the City, which in turn, was "refunded" to.... I shall assume, TSI, where the money was....I shall assume, used to fund political campaigns.
The study fails to even mention TARP, let alone the state law which grants authority for the Detroit Land Bank Authority to capture 50 percent of the property taxes.
Detroit officials, including Mayor Mike Duggan, have acknowledged the city's assessments were inflated for years but said accuracy has improved with double-digit reductions over the last four years. The city completed a city-wide reassessment in 2016, required by the Michigan State Tax Commission. The city had not done a complete reassessment since the 1950s.
See how things can happen when you stand up and speak out. Consistency is always an admirable trait.
See how things can happen when you stand up and speak out. Consistency is always an admirable trait.
State regulators launched an investigation in 2013 citing a series in The Detroit News that exposed rampant over-assessments, tax delinquencies and mismanagement in the city's Assessment Division.
But nothing was done about the Detroit Land Bank Authority.
But nothing was done about the Detroit Land Bank Authority.
City officials have maintained residents could have filed appeals with the city and state if they believed their assessments were unfair.
They did. Many were granted but that is not the issue I am addressing here. I am addressing the omission of the Detroit Land Bank Authority in the study.
They did. Many were granted but that is not the issue I am addressing here. I am addressing the omission of the Detroit Land Bank Authority in the study.
Detroit’s Deputy CFO-Assessor, Alvin Horhn, said Wednesday he hadn't reviewed the study but he believed that "most of their assumptions rely on data that does not meet the standards of the State Tax Commission and would not be applicable under Michigan law." Atuahene has said the data does comply with the law.
I concur that the data did appear to be suspect as it did not address the actions of the Detroit Land Bank Authority wiping out taxes with the City before the foreclosure process commenced providing due process to the property owner. When I say due process, I mean to say, "Did the 'Legal Geniuses' ̣trademark pending, over at the Detroit Land Bank Authority file quiet titles on the homes then collect taxes before or after the homeowner found out the property was in the foreclosure process?"
I concur that the data did appear to be suspect as it did not address the actions of the Detroit Land Bank Authority wiping out taxes with the City before the foreclosure process commenced providing due process to the property owner. When I say due process, I mean to say, "Did the 'Legal Geniuses' ̣trademark pending, over at the Detroit Land Bank Authority file quiet titles on the homes then collect taxes before or after the homeowner found out the property was in the foreclosure process?"
"We believe the citywide reappraisal has been an important part of the major reduction in the number of foreclosures occurring in the city, which continue a steady decline and will provide a solid foundation for future growth," Horhn wrote in an email. "The number of foreclosures of owner occupied homes, specifically, has gone down by nearly 90% over the past few years."
No, no, no. It is not the citywide reappraisals that have reduced the number of foreclosures, it is the fact that you already foreclosed on the majority of the population of homeowners in Detroit. Duh.
No, no, no. It is not the citywide reappraisals that have reduced the number of foreclosures, it is the fact that you already foreclosed on the majority of the population of homeowners in Detroit. Duh.
Atuahene, also a member of the Coalition to End Unconstitutional Tax Foreclosures, said the group wants the city to provide “reparations” for families who forfeited their homes in tax foreclosures, like she and community activists have done for the Bonnett family.
A NGO wanting to jump into the "reparations" game? I smell more covert purposes of this study. Let me tell you why in the Tale of Reparations Propaganda because this had nothing to do with the phenotypic features. This was strictly about targeted populations in prime, highly speculated geographical areas, through crappy predictive modeling, on how to maximize revenues for Social Impact Bonds. Period. Wake up and keep it real. It is all about the almighty cryptocurrency. The race card is just a cover to keep running the fraud schemes of stealin' the children, the land and the votes.
A NGO wanting to jump into the "reparations" game? I smell more covert purposes of this study. Let me tell you why in the Tale of Reparations Propaganda because this had nothing to do with the phenotypic features. This was strictly about targeted populations in prime, highly speculated geographical areas, through crappy predictive modeling, on how to maximize revenues for Social Impact Bonds. Period. Wake up and keep it real. It is all about the almighty cryptocurrency. The race card is just a cover to keep running the fraud schemes of stealin' the children, the land and the votes.
The county foreclosed on Sonja Bonnett's home in 2015 over $5,000 in unpaid taxes. Bonnett, 38, was purchasing the home on land contract for $20,000. Atuahene said Detroit taxed her home at a market value of $46,000.
The land contract more than likely was never registered with the Wayne County Register of Deeds. The databases were not coordinated at that time, and more than likely, still not, but I have not checked.
The land contract more than likely was never registered with the Wayne County Register of Deeds. The databases were not coordinated at that time, and more than likely, still not, but I have not checked.
The coalition recently partnered with a housing nonprofit to buy another foreclosed home and give it to Bonnett along with her husband and seven kids. They will celebrate her move in Thursday.
Bonnett said the city needs to repay homeowners who lost their homes because they could not pay tax bills that were artificially inflated by bad assessments.
There was a non profit that was getting federal funding to assist homeowners in tax foreclosures, but ended up running a scam and kept the grant, never paid the taxes, then snatched up the houses in the 500 dollar buy back program, but I am not going to go there for now. Let's just get our popcorn ready.
There was a non profit that was getting federal funding to assist homeowners in tax foreclosures, but ended up running a scam and kept the grant, never paid the taxes, then snatched up the houses in the 500 dollar buy back program, but I am not going to go there for now. Let's just get our popcorn ready.
"They wrongfully lost their houses," Bonnett said. "It wasn't just morally wrong. It was illegal."
The average property that sold for under $8,000 was assessed at 7.5 times its actual sale price, according to the researchers.
Hold on a minute. What about the Wayne County Sheriff sales that never took place? I should not have made that statement. I greatly apologize for making any public assertions in violations of under the color of law, of any questionable actions of these Sheriff auctions downtown in the auditorium, where swatchs of properties were never called. For me to even make such a claim would be careless and may impede an ongoing federal investigation. For this, I am so sorry. At no time did I mean to conjure up visions of anyone representing a fake ass NGO, like the Detroit Land Bank Authority or the Detroit Economic Development Corporation, running over to the court and filing quiet titles, wiping out the taxes that they would levy through federal grants that they refused to give to the people who were supposed to get the funds to prevent foreclosures. Ok, I really did not mean to say that. Let me walk away from this.
Hold on a minute. What about the Wayne County Sheriff sales that never took place? I should not have made that statement. I greatly apologize for making any public assertions in violations of under the color of law, of any questionable actions of these Sheriff auctions downtown in the auditorium, where swatchs of properties were never called. For me to even make such a claim would be careless and may impede an ongoing federal investigation. For this, I am so sorry. At no time did I mean to conjure up visions of anyone representing a fake ass NGO, like the Detroit Land Bank Authority or the Detroit Economic Development Corporation, running over to the court and filing quiet titles, wiping out the taxes that they would levy through federal grants that they refused to give to the people who were supposed to get the funds to prevent foreclosures. Ok, I really did not mean to say that. Let me walk away from this.
Former Gov. John Engler in 1999 signed into law an overhaul of the state property tax code designed to make it faster and easier to return delinquent properties to productive use. It meant shortening the process from six years to three years and led to the seizure and resale of homes at auction beginning in the early 2000s.
It is called privatization. Engler is not that smart. He does what he is told to do. Keep it real.
It is called privatization. Engler is not that smart. He does what he is told to do. Keep it real.
It's unclear how many occupied homes will be headed to this fall's tax foreclosure auction. A spokesman for the Wayne County Treasurer's office said Wednesday that they were still evaluating numbers and will likely issue an update in July.
These numbers are still up in the air because we need to see how many of these properties were Detroit Land Bank Authority properties that were stolen then flipped.
These numbers are still up in the air because we need to see how many of these properties were Detroit Land Bank Authority properties that were stolen then flipped.
Detroit is currently facing a lawsuit from the American Civil Liberties Union of Michigan that maintains the city's poverty tax exemption, which wipes away property taxes for low-income owners, violated homeowner's due process rights with a convoluted application process.
Nah, it is not that convoluted.
I went down there and met with them.
Steinberg threw a tizzy when I presented the issues surrounding the fraudulent operations of the Detroit Land Bank Authority as I was thrashing the legal basis of his class action lawsuit. One reason was because I live in the historic district that is the subject of his suit.
Nah, it is not that convoluted.
I went down there and met with them.
Steinberg threw a tizzy when I presented the issues surrounding the fraudulent operations of the Detroit Land Bank Authority as I was thrashing the legal basis of his class action lawsuit. One reason was because I live in the historic district that is the subject of his suit.
The two sides are in settlement negotiations, said ACLU legal director Michael Steinberg.
Make that money and save those houses using propaganda.
Make that money and save those houses using propaganda.
The lawsuit originally named the Wayne County Treasurer, arguing the office violated the federal Fair Housing Act by disproportionately foreclosing on black homeowners. But the Michigan Court of Appeals upheld a ruling by Wayne County Judge Robert Colombo, dismissing the county from the lawsuit because it should have been brought in front of the Michigan Tax Tribunal.
Columbo should have recused himself due to the fact that we are dealing with Detroit Land Bank Authority transgressions of property tax law for which he renders judgments all the time in their favor when he knows perfectly well, from being put on public notice when I filed with the Michigan Judicial Tenure Commission on him, that they were never incorporated.
Columbo kicked the proverbial can down the road, as far as possibly away from himself, to a state jurisdiction, which I find to be quite a fascinating move.
Perhaps, Columbo is elevating the issues surrounding Michigan's participation in the property tax fraud scheme in Detroit, which is under federal investigation through SIGTARP.
Anyway, the "Taxed Out" report is suspect, in my eyes as propaganda for the ACLU because Kary Moss, just got pulled in by her New York handlers, who just so happened to be all wrapped up in this real estate fraud scheme of people losing their homes.
Columbo should have recused himself due to the fact that we are dealing with Detroit Land Bank Authority transgressions of property tax law for which he renders judgments all the time in their favor when he knows perfectly well, from being put on public notice when I filed with the Michigan Judicial Tenure Commission on him, that they were never incorporated.
Columbo kicked the proverbial can down the road, as far as possibly away from himself, to a state jurisdiction, which I find to be quite a fascinating move.
Perhaps, Columbo is elevating the issues surrounding Michigan's participation in the property tax fraud scheme in Detroit, which is under federal investigation through SIGTARP.
Anyway, the "Taxed Out" report is suspect, in my eyes as propaganda for the ACLU because Kary Moss, just got pulled in by her New York handlers, who just so happened to be all wrapped up in this real estate fraud scheme of people losing their homes.
 |
| Kary Moss |
Allow me to tell you the quick tale of why Kary and the ACLU sucks.
"Bye Kary"
Executive director of ACLU to leave Michigan for New York position
Kary Moss, the executive director of the American Civil Liberties Union of Michigan, is leaving Michigan to join ACLU's senior leadership team in New York, she announced on Facebook.
I am using the Wikipedia link to demonstrate how well documented the work of Kary Moss and asset forfeiture through the Corporation for Enterprise Development, now known as Prosperity Now, which seems to be behind the Detroit Economic Development Corporation, Detroit Land Bank Authority and the Kresge Foundation.
She started out in child welfare fraud.
Kary should remember me coming into the office, around the first of every year for about 3 years, orating like the long lived orators of Athens public squares, to give testimony to the atrocities of child welfare in Michigan, ending in the traditional prayer that they all wake up each and every morning to tear soaked pillows for failing to even acknowledge to screams of the trafficking of tiny humans.
I used to attend administrative faculty functions where, only a few, would gather with me in a stifled chuckle of social etiquette, making fun of the ACLU, I like to call A CLUeless organization, on how it makes its decisions to take on public issues.
Yes, they quite often will serve Cocktails ̃and Popcorn at these academic consortia and yes, we all lived in the Cass Corridor, before they came in and stole the properties and made it all fancy to "save more savages" of Detroit with more Public Private Partnerships out of New York or California.
Just remember that.
I am using the Wikipedia link to demonstrate how well documented the work of Kary Moss and asset forfeiture through the Corporation for Enterprise Development, now known as Prosperity Now, which seems to be behind the Detroit Economic Development Corporation, Detroit Land Bank Authority and the Kresge Foundation.
She started out in child welfare fraud.
Kary should remember me coming into the office, around the first of every year for about 3 years, orating like the long lived orators of Athens public squares, to give testimony to the atrocities of child welfare in Michigan, ending in the traditional prayer that they all wake up each and every morning to tear soaked pillows for failing to even acknowledge to screams of the trafficking of tiny humans.
I used to attend administrative faculty functions where, only a few, would gather with me in a stifled chuckle of social etiquette, making fun of the ACLU, I like to call A CLUeless organization, on how it makes its decisions to take on public issues.
"Are you an African-American, Lesbian, Quadriplegic, Veteran? Well, it looks like we have ourselves a guaranteed, class action, certifiable case. Get them NGOs out there to start fundraising for the programs we can federally bill to bring awareness to the needs of this population."
Yes, they quite often will serve Cocktails ̃and Popcorn at these academic consortia and yes, we all lived in the Cass Corridor, before they came in and stole the properties and made it all fancy to "save more savages" of Detroit with more Public Private Partnerships out of New York or California.
Just remember that.
"Bye Kary"
The end.
Taxed Out: Illegal property tax assessments and the epidemic of tax foreclosures in Detroit By: Bernadette... by Beverly Tran on Scribd
This thesis is pretty darn tight. I am impressed and I do not say this arbitrairily nor capriciously. Someone needs to get with this for what I see as a magnitude for future applications.
Detroit Looks Toward a Massive Blight Condemnation: The Optics of Eminent Domain in Motor City - Yxta Maya... by Beverly Tran on Scribd
Voting is beautiful, be beautiful ~ vote.©
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