Multnomahforeclosures.com: July 15th, 2011 Update.


Multnomah County highlighted in Oregon; Portla...

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Multnomahforeclosures.com was updated with the largest list of Notice Defaults to date. With Notice of Default records dating back nearly 3 years.  

If you are planning on investing in real estate, want to learn the status of the home you are renting/leasing or about to rent or lease  you should visit Multnomahforeclosures.com.

All listings are in PDF and Excel Spread Sheet format.

Multnomah County Foreclosures

Multnomah County Foreclosures
http://multnomahforeclosures.com

 
 

Fred Stewart 
Broker
Stewart Group Realty Inc.
http://www.sgrealty.us/
info@sgrealtyinc.com
503-289-4970 (Phone)

Multnomahforeclosures.com: Updated Notice Of Default Lists


Multnomah County Courthouse in Portland, Orego...

Image via Wikipedia

Multnomahforeclosures.com was updated with the largest list of Notice Defaults to date. With Notice of Default records dating back nearly 3 years. Multnomahforeclosures.com idocuments the fall of the great real estate bust of the 21st century. Over 50,000 Notice of default Listings

All listings are in PDF and Excel Spread Sheet format.

Multnomah County Foreclosures

http://multnomahforeclosures.com

Stewart Group Realty Inc.

Homeless Families Warming Center Opens; Donations Needed, by Rev. Chuck Currie


his week the Homeless Families Warming Center opened for the winter season and today city of Portland and Multnomah County leaders gathered with people from the faith community to dedicate the space.  Families that moved into this emergency shelter were also on hand to talk with members of this press about their personal experiences with homelessness.

The speakers today included Multnomah County Commissioner Deborah Kafoury, Multnomah County Commissioner Barbara Willer, Human Solutions executive director Jean DeMaster, and The Rev. Brian Heron.   I was honored to be invited to deliver the invocation.

Here are the basic facts about this mid-county program:

The Homeless Family Warming Center is a 60 bed homeless family shelter operating November 1, 2010 – March 31, 2011 at Eastminster Presbyterian Church. The church is located at 12505 NE Halsey Street in Portland and will be open every night 7am – 7pm. Here, families with children will have a warm, dry, safe and welcoming place to sleep. Shelter families will be able to acces housing, employment and other services designated to quickly end their homelessness.

Human Solutions operates the center.

Right now the Homeless Family Warming Center has a long list of supplies that are needed.  These donations can be dropped off at the church between 7-9 pm each night.  Contact Human Solutions if you can donate but those hours don’t work for you.  Volunteers are also needed.

To volunteer or to donate, please contact Amie Diffenauer, at 503-256-2280 or  email adiffenauer@humansolutions.org.

Volunteer Needs:

  • Recreation Room Attendants: People who want to do evening activities with the families, especially with children early in the evening.
  • Food Preparation and Kitchen Helpers: People to pick up from licensed kitchens and bring it to the shelter.
  • Mentors: People to read and play with children.
  • Donation In-Take Attendants: People to help us recieve donations in the evenings or sort through donations during the daytime.

We especially need non-perishable food and beverage items!

Food Items needed:

Instant and Canned Soups
Microwave Dinners
Powder Baby Formula
Breakfast Cereals
Sweet Rolls or Muffins
Breakfast Bars
Vegetables: potatoes, baby carrots, celery, etc…
Fruit: bananas, grapes, oranges, apples, plums, etc…
Hot Pizzas
Gift Cards for pizza places
Bread
Cold Cuts for sandwiches
Condiments for sandwiches
Sandwich Bags, Napkins
Paper Plates & Bowls
Plastic Cups and Eating Utensils

Beverage Items needed:

Coffee Grounds, Sugar, Creamer
Hot Cocoa mix
Tea
Milk
Julices

Household Items needed:

Blankets, Sleeping Bags
Twin Sheets
Pillows, Pillow Cases
Moses Baskets
Winter Coats for all ages
New Scarves, Hats, Mittens, Gloves, and Socks
New Children’s Underwear
Hot Plates

Hygiene Items needed:

Paper Towels
New Toothbrushes, Toothpaste
Feminine Hygiene Products
Hand Sanitizer
Disinfectant Wipes
First Aid Supplies
Latex Gloves
Diapers (size 4 & 5)

Invocation At Open of the Homeless Family Warming Center

November 4, 2010

Gracious and loving God,

We gather in this Holy place as people from diverse traditions united together in the belief that to lift up the common good of our community we must begin by taking care of those who are hurting and experiencing homelessness.

We gather to lift up to you the needs of families throughout Multnomah County that cannot afford the high costs of housing, the expense of medical care, or even the rising costs of food.  Give all those in anguish comfort and strength, we pray.

We gather to lift up to you the staff of Human Solutions, the people of Eastminster Presbyterian Church, officials from Multnomah County, and all the volunteers who will work here over the winter.  Give all those who make this Homeless Family Warming Center possible your blessings, we pray.

We gather, O God, to ask for forgiveness.  Homelessness and poverty are a sin – a result of bad policies that have created an economy where the “least of these’ are left behind.  Help us to build a better community where justice rolls “down like waters, and righteousness like an ever-flowing stream”, we pray.

Soon the warm sun and blue skies will be eclipsed again by the reality of a rainy autumn and a cold winter.  Let this warming center be a place of light in the darkness, more than just a place to get warm, but a place to find hope.

With humbleness, we pray.

Amen.

– The Rev. Chuck Currie

http://chuckcurrie.blogs.com/chuck_currie/

How $257 can halt a home purchase


My company frequently works with customers to “clean up” their credit so that they can qualify for a home loan. This process typically takes about 6 months, maybe longer depending on the severity of the problem and the resources available to pay off delinquent accounts. We don’t charge anything for this because: a) it’s illegal, and b) it’s part of serving our clients and ensuring they get a loan they can live with.

We have been working with one couple on this process for about 8 months, and we were able to get them approved to buy a home. We all know that corrections/updates to credit tradelines can take somewhere between 30-90 days to be reflected on your credit report. However, this isn’t always the case. Sometimes the delinquent items continue to reported inaccurately for years. In my experience, in no instance is this more true than with government judgments and tax liens.

We’ve all heard horror stories about government inefficiencies from every department in every level of government. Whether it’s the DMV or the USPS, it’s a big undertaking and people are, after all, only human. There will be mistakes. However, the lack of accountability is an area in which I think the public sector excels.

When we re-pulled the credit to get the loan going, the client’s FICO score was just fine. However, a $257 judgment from Multnomah County, OR was still reporting as delinquent. A couple of years ago, the county instituted a temporary income tax called the ITAX, and many people wound up owing hundreds, sometimes thousands of dollars when the tax expired. Our clients were some of those people.

The client had paid a settlement with the county a couple years ago, and believed that this amount was included. Even if it wasn’t, $257 isn’t a huge deal for anyone to worry about. Until you start adding penalties and 9% interest, that is.

We decided that we would submit the loan file anyway, and given underwriting turntimes, we would be able to collect proof before every other piece of documentation had been signed off by our underwriter. What follows is the story of how that happened.

I called the county circuit court, where the judgment had been filed and processed. I was given another number to call. The person at that number couldn’t help me, because it was a “small claims” matter. She gave me the number for small claims. The nice man at small claims told me that he could accept a payment for the judgment, but has no way of knowing what the payoff amount would be. I played along hoping he could give me the number of someone who would know more about the issue. He directed me to yet another phone number, which was the “helpline” for the ITAX. I called this number. It was out of service, as it expired THE SAME YEAR THE ITAX EXPIRED, which was a few years ago. A pre-recorded message directed me to yet another number. The person I talked to at that number told me that the account had been sent to collections, and gave me the number of the collection agency they contract with.

OK, now I’m getting somewhere. I skeptically call the collection agency, and a very helpful lady answered the phone and told me what I already suspected:

They would never sue someone over $257 because it costs $100 to file the suit.

This is where her very nice qualities shined through. She took down my information, and said she would call the county courthouse to find out what was going on and get back to me. I thought to myself, “why the heck would she take the time to do all that for something she has no prayer of receiving payment on?”. However, I thanked her and moved on.

I called the county back, explaining yet another person what I had just been through, and she directed me to the one man who still deals with ITAX payment issues. She also asked to remain on the line to verify that this would be the correct way to deal with any other future ITAX related issues so that people like me would not have to waste what had become a 45 minute telephonic wild goose chase. I thanked her profusely.

The “ITAX man” picked up the phone and was very courteous and professional. However, he told me something after looking up the client in his system that absolutely floored me. He said that the client’s judgment amount was for $833! I told him they had another tax lien from a previous year that had already been paid off, as indicated on my credit report. He said he didn’t have any record of that, but that he would take my word for it because that’s what the credit report said. He said that the client would need to send his department a check for the $257, and he would send the check and the paperwork to the attorney’s office. The attorney would clear the item, then send the check in to be processed. Once the check had cleared, I would get an email with the proof of payment on county letterhead. I hesitantly asked him how long he thought this process would take. He said 5 or 6 business days.

I knew the client would pay the $257 just to get it over and done with, and feeling like I had accomplished a small victory, we called him. He told us that he had just made 5 phone calls to various county departments and that they told him that their records indicated that he didn’t owe anything, which is what we suspected all along. However, he would need to get a letter from the law firm he settled with indicating as such so that we could prove to the lender that everything was all clear. That is where we are in the process.

Now, everyone I talked to during this entire process was courteous and helpful. But here’s what I want to know:

How can a society function when it takes roughly 23 phone calls to clear up a $257 judgment that NOBODY can even determine is still active?

It would be a shame if something like this caused this client to miss out on the opportunity to buy the house of their dreams at a record low interest rate. Surely, we can do better.

Jason Hillard

http://www.homeloanninjas.com

Multnomahforeclosures.com: Updated Notice Of Default Lists for October 20, 2010


Multnomah County Courthouse in Portland, Orego...

Image via Wikipedia

Multnomahforeclosures.com was updated  with the largest list of Notice Defaults to date. With Notice of Default records dating back nearly 2 years. Multnomahforeclosures.com idocuments the fall of the great real estate bust of the 21st century.

All listings are in PDF and Excel Spread Sheet format.

Multnomah County Foreclosures
http://multnomahforeclosures.com

Stewart Group Realty Inc.
http://www.sgrealty.us

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Multnomahforeclosures.com Updated: New Notice of Default lists for the first week of October 2010


Multnomah County Courthouse in Portland, Orego...

Image via Wikipedia

Multnomahforeclosures.com was updated  with the largest list of Notice Defaults to date. With Notice of Default records dating back nearly 2 years. Multnomahforeclosures.com idocuments the fall of the great real estate bust of the 21st century.

All listings are in PDF and Excel Spread Sheet format.

Multnomah County Foreclosures
http://multnomahforeclosures.com

Multnomahforeclosures.com: Updated Notice of Default Lists and Books for the Week of September 24th, 2010


Multnomahforeclosures.com was updated today with the largest list of Notice Defaults to date. With Notice of Default records dating back nearly 2 years. Multnomahforeclosures.com idocuments the fall of the great real estate bust of the 21st century.

All listings are in PDF and Excel Spread Sheet format.

Multnomah County Foreclosures
http://multnomahforeclosures.com