Tuesday, October 14, 2008

The San Diego, California suburb of Chula Vista has responded to the recent housing crisis with an aggressive blight control ordinance that compels lenders to maintain the appearance of vacant homes. As foreclosures increase both locally and throughout the United States, the one year old ordinance has become a model for other cities overwhelmed by the problem of abandoned homes that decay into neighborhood eyesores.

Chula Vista city code enforcement manager Doug Leeper told the San Diego Union Tribune that over 300 jurisdictions have contacted his office during the past year with inquiries about the city’s tough local ordinance. Coral Springs, Florida, and California towns Stockton, Santee, Riverside County, and Murietta have all modeled recently enacted anti-blight measures after Chula Vista’s. On Wednesday, 8 October, the Escondido City Council also voted to tighten local measures making lenders more accountable for maintenance of empty homes.

Under the Chula Vista ordinance lenders become legally responsible for upkeep as soon as a notice of mortgage default gets filed on a vacant dwelling, before actual ownership of the dwelling returns to the lender. Leeper regards that as “the cutting-edge part of our ordinance”. Chula Vista also requires prompt registration of vacant homes and applies stiff fines as high as US$1000 per day for failure to maintain a property. Since foreclosed properties are subject to frequent resale between mortgage brokers, city officials enforce the fines by sending notices to every name on title documents and placing a lien on the property, which prevents further resale until outstanding fines have been paid. In the year since the ordinance went into effect the city has applied $850,000 in fines and penalties, of which it has collected $200,000 to date. The city has collected an additional $77,000 in registration fees on vacant homes.

Jolie Houston, an attorney in San Jose, believes “Lenders will respond when it costs them less to maintain the property than to ignore local agency requirements.” Traditionally, local governments have resorted to addressing blight problems on abandoned properties with public funds, mowing overgrown lawns and performing other vital functions, then seeking repayment afterward. Chula Vista has moved that responsibility to an upfront obligation upon lenders.

As one of the fastest growing cities in the United States during recent years, Chula Vista saw 22.6% growth between 2000 and 2006, which brought the city’s population from 173,556 in the 2000 census to an estimated 212,756, according to the U.S. Census Bureau. Chula Vista placed among the nation’s 20 fastest growing cities in 2004. A large proportion of local homes were purchased during the recent housing boom using creative financing options that purchasers did not understand were beyond their means. Average home prices in San Diego County declined by 25% in the last year, which is the steepest drop on record. Many homeowners in the region currently owe more than their homes are worth and confront rising balloon payment mortgages that they had expected to afford by refinancing new equity that either vanished or never materialized. In August 2008, Chula Vista’s eastern 91913 zip code had the highest home mortgage default rate in the county with 154 filings and 94 foreclosures, an increase of 154% over one year previously. Regionally, the county saw 1,979 foreclosures in August.

Professionals from the real estate and mortgage industries object to Chula Vista’s response to the crisis for the additional burdens it places on their struggling finances. Said San Diego real estate agent Marc Carpenter, “that kind of measure will add additional costs to banks that have been hit really hard already and ultimately the cost will be transferred down to consumers and investors.” Yet city councils in many communities have been under pressure to do something about increasing numbers of vacant properties. Concentrations of abandoned and neglected homes can attract vandals who hasten the decline of struggling neighborhoods. Jolie Houston explained that city officials “can’t fix the lending problem, but they can try to prevent neighborhoods from becoming blighted.”

CEO Robert Klein of Safeguard, a property management firm, told the Union Tribune that his industry is having difficulty adapting to the rapidly changing local ordinances. “Every day we discover a new ordinance coming out of somewhere”, he complained. Dustin Hobbs, a spokesman from the California Association of Mortgage Bankers agreed that uneven local ordinances are likely to increase the costs of lending. Hobbs advised that local legislation is unnecessary due to California State Senate Bill 1137, which was recently approved to address blight. Yet according to Houston, the statewide measure falls short because it fails to address upkeep needs during the months between the time when foreclosure begins and when the lender takes title.

Monday, May 12, 2008

Irena Sendler, a Polish humanitarian who saved the lives of 2,500 Jewish people during World War II, died on May 12 in a Warsaw hospital. She was 98.

In 1942, when the Germans began liquidating the Warsaw Ghetto, Sendler, who had been active in the ?egota underground organisation dedicated to helping Jews in Nazi-occupied Poland, smuggled children out by drugging them and placing them in body bags as typhoid fever victims. She then placed them with Polish families and in convents, hiding their records in jars so they could have their identities re-established after the war.

She was arrested by the Gestapo Gestapo in 1943 and sentenced to death after being tortured in Warsaw’s Pawiak prison. Her colleagues from ?egota saved her by bribing her German captors before the planned execution.

Born on February 15, 1910 in Otwock, Poland, Selndler had been a front-runner for the Nobel Peace Prize, and had been recognised by Israel’s Yad Vashem institute as one of the Righteous Among the Nations for her work.

In 2007, she was honoured by the National Assembly for organising the “rescue of the most defenceless victims of the Nazi ideology: the Jewish children.”

Sunday, October 5, 2008

Fannie Mae, a housing mortgage lender, has forgiven the mortgage debt of Addie Polk, a 90-year-old woman from Akron, Ohio who attempted to kill herself when she was being evicted from her home on Wednesday.

Polk had lived in her home since 1970, and refinanced her mortgage numerous times since 1997 when she first got a loan taken out against her home. When authorities tried to evict her, she shot herself once in the chest. Fannie Mae took over Polk’s home in 2007 after the loan company filed for foreclosure. One report from Reuters states that authorities tried to evict Polk more than 30 other times in the past.

“Just given the circumstances, we think it’s appropriate,” said Brian Faith, a spokesman for Fannie Mae who also said that the incident was almost immediately “on [their] radar screen”.

Polk is currently undergoing treatment at Akron General Medical Center and is expected to make a full recovery. She can return to her home as soon as she recovers from her injuries.

Polk was recognized on Friday when Dennis Kucinich, who is a democratic representative for Ohio, spoke of her incident during debates on a 700 billion USD bailout bill that the United States House of Representatives passed on Friday. He states that the bill does not focus on people in situations like Polk.

“This bill does nothing for the Addie Polks of the world. This bill fails to address the fact that millions of homeowners are facing foreclosure, are facing the loss of their home. This bill will take care of Wall Street, and the market may go up for a few days, but democracy is going downhill,” said Kucinich on Friday.

Monday, August 17, 2015

A woman in Spain has been fined €800 after posting a photograph to her Facebook account of a police vehicle parked in space reserved for disabled/handicapped drivers. She was located and fined within two days of posting the photograph. The incident has now gained international attention.

The woman, who has not been named, saw the police vehicle parked in a reserved spot in Petrer and snapped a photo. She posted the photo with the caption: “Park where you bloody well please and you won’t even be fined.” ^{((es))Spanish Language: ?Aparcas donde te sale de los cojones y encima no te multan…}

Fernando Portillo, a local police spokesperson, told local media the vehicle was parked there because police were responding to an emergency. After the story was reported on a local news website, it began to be reported internationally.

On July 1, the “Citizens’ Security law” went into effect. The law was written in response to violent protests. Even before its enactment it saw widespread criticism. It was dubbed the “gag law” ^{((es))Spanish language: ?ley mordaza} or the “gagging law”. The law prohibits “the unauthorized use of images of police officers that might jeopardize their or their family’s safety or that of protected facilities or police operations” ^{((es))Spanish language: ?El uso no autorizado de imágenes o datos personales o profesionales de autoridades o miembros de las Fuerzas y Cuerpos de Seguridad que pueda poner en peligro la seguridad personal o familiar de los agentes, de las instalaciones protegidas o en riesgo el éxito de una operación}.

Judge Joaquim Bosch, Judges for Democracy spokesperson, said: “It is not a law for citizens’ security, but a law for the government to avoid citizens’ protests. All opinion polls indicate that the Spanish society is not at all preoccupied by security but by the economic situation and political corruption.”

Amnesty International condemned the law in a report: “With threats of fines or threats of being beaten, the government is trying to stigmatize and criminalize people who are just practicing their rights.” Virginia Álvarez, who wrote the report, noted, “instead of listening to their demands, instead of starting a dialogue, authorities are doing everything they can to impede people from protesting”.

The part of the law which prohibits “the unauthorized use of images of police officers that might jeopardize their or their family’s safety” is cited as the reason for the fine, however, police spokesperson Fernando Portillo said it was up to police officers involved and under the new law they could do this. “We would have preferred a different solution but they have the legal right to impose the fine,” Portillo said, but the public posting of the photo impugned the officers’ sense of honor.

Monday, September 10, 2007

Oil and gas pipelines in Mexico were attacked in six different places Monday, forcing the evacuation of approximately 12,000 residents. The six blasts were to reported to have happened at about 2:00 a.m on Monday morning.

The company who owns the pipelines, Petroleos Mexicanos, shut down all lines after the attack.

No deaths as a result of the explosions were reported, however; the blasts were blamed for the death of two 70 year old women who died from heart attacks.

Mexican officials have called the blasts “premeditated” and at least one rebel group (most notably EPR) has claimed responsibility for the blasts.