Category Archives: Foreclosures

Ryan Torrens

Some people insist on referring to HOAs as communities. If we describe people; who live in the same geographical area as a community; that might be accurate.  However, in a contrived situation like today’s mass-produced residential associations, geography is about the only thing most of the owners have in common.  The hierarchical structure of a forced membership association does nothing whatsoever to foster a sense of community, rather it seems to cause isolationism and imposes fear in the residents.  In a very real sense their real governments and left to fend for themselves against all manner of abuses have abandoned the owners.  In some of the worst cases, homes are being stolen by those in the upper echelons of the HOA hierarchy and sold on the courthouse steps for pennies on the dollar.

Ryan Torrens joins us On The Commons.  Ryan is a young attorney in Tampa Florida who was introduced to the horrors of foreclosures right out of law school.  Shortly thereafter he started his own firm, The Torrens Law Group, where he specializes in protecting homeowners facing foreclosure from banks and homeowner associations.  We talk to Ryan about the situations that promote a climate that not only favors foreclosures but also in some respects makes them commonplace.  We get tips on what to do when a homeowner finds themselves in that situation, and probably more importantly, what not to do.  We also talk about key legislation that might go a long way in preventing some of the worst abuses.  

Facebooktwittergoogle_plusredditpinterestlinkedinmail

John Cowherd

20160702cowherd On The Commons celebrates 16 years of bringing you news and views of condo and homeowners associations.   This is the first show of our 17th year on the air.  Thanks to everyone for making this possible.  

Sometimes it appears that the the powers of the world are stacked against the individual.  No matter what the situation, the individual often finds him or herself standing alone, facing seemingly insurmountable odds.  How did we ever get to this point? That sense of having lost control is growing across all areas of life.  It has even invaded our most cherished private sanctum, our home.  But I believe that the power and the will of the people is not quite ready to be relegated to the annals of history.  Every so often there is a glimmer of hope and a sign that all is not yet lost.  And that little spark you see in the dark comes from the Virginia Supreme Court.

John Cowherd joins us On The Commons.  John is an attorney in Northern Virginia and one of a handful of attorneys nationwide who will represent homeowners in their battles with their homeowner and condo associations.  John also has a blog called Words of Conveyance so he is always on the lookout for news and stories of interest to share with his readers and our radio audience.  Today we will talk about The Day the Universe Changed as a result of a Virginia Supreme Court decision issued on June 16.  In his blog, John quotes Steve Emmert, a VA appellate law blogger, who claims this decision represents a “nuclear explosion”.  That can only be good for homeowners.  Join us as John walks us through the case and explains what the Parrish v. Federal National Mortgage Association is all about and explains how this case may help homeowners facing foreclosure and eviction.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

John Cowherd and Jeremy Moss

20160423cowherdandmoss

Newton discovered that for every action, there is an equal and opposite reaction.  Is that what we today call “unintended consequences”?  How often do we head down one path towards a goal without thinking through the end results?  Could we avoid many of the pitfalls we are dealing with if we stopped long enough to think things through?  

One of those unhappy and unpredicted results may well be the sheer number of zombie foreclosures being reported nationwide.  The unfortunate circumstances the homeowners find themselves in and the rather significant negative effect those vacant houses have on their immediate surroundings is an area of concern.   And since most of the housing in many parts of the country is in mandatory membership residential associations, these zombie foreclosures also impact associations through lost assessments.  

John Cowherd and Jeremy Moss join us On The Commons.  Both are attorneys in Virginia and both specialize in HOA and condo association law.  They also both have blogs where they discuss zombie foreclosures.  Jeremy’s blog is called The Moss Report  and  you can access John’s blog at Words of Conveyance   John, changed his practice and now represents homeowners in HOAs.  Jeremy, an attorney with Mercer-Trigiani, represents associations. I am grateful to both gentlemen for coming in to the studio and sharing their thoughts. We’ll talk about zombie foreclosures, explain what they are and talk about why we have so many of them now.  We’ll also discuss different ideas on how to deal with them. There is a lot to learn by listening to this interview.

Facebooktwittergoogle_plusredditpinterestlinkedinmail

Gary Solomon

child

Stress, for the most part, is unavoidable.  Problems at work, traffic jams on the way home, being late picking up the kids from the sitter, all are stressful situations.  They are all part of life. We deal with the problems as they happen and go on with our lives.  But then we go home to find a threat letter from the homeowner association because the mailbox is dusty or the mulch is the wrong color or the wrong size and we have 2 days to tear it out and replace it with the correct size and color of mulch – or else.  The kids are hungry and are whining.  That’s it, that’s the straw that broke the camel’s back.  We have taken as much as we can take so we take out our anger and frustration on the kids.

Children should not have to suffer. Unfortunately all too often they are the ones who bear the brunt of our frustrations.

Dr. Gary Solomon joins us On The Commons this week.  Dr. Solomon has long warned us about the harmful effects of stress caused by HOAs on homeowners.  He has written a book HOA; Crisis in America as well as several papers  on how stress affects us physically, mentally and emotionally.   These include  HOA Syndrome Elder Abuse and his latest, Child Abuse by Proxy.  Dr. Solomon talks about child abuse by proxy on this show, he explains how it works and what happens to  children who are abused.  We talk about the fallout of bringing children up in associations where life can turn into a study of pettiness and power abuse.  

Why are American homeowners being forced to live under a microscope?  How can we put a stop to the horrors in HOAs?  Dr. Solomon has some very interesting and simple thoughts on that.  Don’t miss it.

 

Facebooktwittergoogle_plusredditpinterestlinkedinmail