Posts Tagged ‘Bush’

My Home in Chandler Sold in Foreclosure Sale

Tuesday, June 22nd, 2010

 

Last month I lost my house in Chandler to a foreclosure sale for $164,000.  My realtor Vic Gustafson with Keller Williams did his best with an investor to get a short sale.  While we came very close, the mortgage company, GMAC, was obviously NEVER working with us in a sincere manner.  The investor’s initial offer was $133,000 and he ultimately raised it to $161,000 but GMAC’s negotiator was never sincere in working with them.

 

As a result, I paid utilities & monthly HOA fees and I kept the place up for more than six months—all to no avail.  It appears GMAC Mortgage Company was only leading us on so that they would not have to pay the utilities & HOA fees and maintenance while they gathered as much intelligence on me as they could in order to shake me down.

 

While I do not like having to walk away from it, I am glad it’s over.  Certainly, I do not advocate walking out on one’s obligations.  But in this case I was waylaid by both my former employer, the Arizona Department of Corrections, and my “former” licensure board, the Arizona Board of Psychologist Examiners.

 

I was wrongly terminated.  I was incessantly harassed by my own Board in an effort to shut me up, and, ultimately, my health became compromised.  My Board denied me my ability to work and support myself.  There was no way I could keep my home due to lack of income and deprivation of my ability to earn a living.

 

What can I tell you about mortgage companies, the government programs to assist home owners to stay in their homes and short sale processes & foreclosures?

 

In brief,

 

WALK AWAY.

 

Don’t bother trying to work with any of them.  They are all dirty.  It is all crooked.  When I told the reception at GMAC’s “Recovery Loss Center” that I needed a “reasonable accommodation” due to auditory processing problems, I was immediately passed to the “Government Recovery Loss Center!”

 

They all work together.  Even HUD Housing counseling is a farce.  True, they help you with a budget, but they collect all this personal sensitive data and share it with (a) your mortgage company and (b) with the government!

 

Had Bush not bailed out the banks and allowed them to experience true free market forces & consequences, the banks & mortgage companies would not be treating us so harshly.  They would be forced to work with us.  But instead, they have been bailed out and programs put in place that are not only ineffective, they are a bunch of lines.

 

When the government holds more than 96% of all mortgages, you know something is wrong.  There is no market.  It is all inflated and far over-valued.  Washington DC has destroyed property rights!

 

When the Declaration Independence was being composed, there was debate about the three words.  “Life, Liberty, and Property” would have been far more accurate and apropos than what we got. 

 

This country was founded upon a strong foundation of protecting individual property rights but, alas, that foundation has been broken.

 

My advice?  Walk off.  Do not attempt a “short sale.”  Don’t bother with the phony and treacherous government programs.  Give them back the property.

 

Certainly, the mortgage company experienced losses on my house but my personal losses were even greater.  It turned out to be damned expensive rent.

 

 

 

 

 

“Traitor Jon Kyl” also known as the Junior Senator from Arizona

Friday, July 24th, 2009

Jon Kyl,

You sir are a traitor!

We will never forget that it was you who introduced the bill and hawked “Comprehensive Immigration Reform” which really should have been called

“Comprehensive Amnesty”

During the last days of the Bush (mis)Adminstration.

We will never forget and will NOT vote for you.

I am ashamed to have worked on your last campaign for re-election.

May it be your last one!

A democrat from Arizona will take your seat!

Obama’s “Mortgage Address,” Mesa, Arizona 18 Feb 2009

Wednesday, February 18th, 2009

I sit maybe 8 miles from the high school where Obama addressed the nation earlier this morning.  While Obama proffers another safety net, it raises concern regarding fairness.  It raises more questions than answers.  For one, when is it fair to bail out one and not another?

 

This reasoning and questioning is endless.  However, allow me to reduce it to one factor:  Any government intervention will result in more disorder and the future looks bleak.

 

While those decrying Bush’s policies roar, it sounds hollow, almost shrill. After all, it appears Obama is continuing what Bush began and Bush prepared the way for Obama rather well.  Certainly, the interferences of each on the markets are having untoward effects.

 

One thing about the market, it always corrects itself.  That is, when we leave it alone long enough to establish equilibrium.  But as long as we mess with it and “fine tune it,” we further delay the inevitable forces of the market achieving equilibrium.  That is, if we really have a free market, if we really have Constitutional money, and if we really have sound policy.

 

Policy, policy, policy!  I thought what mattered most were “principles.”

 

Rather than grow government and expand government with new programs and policies, maybe we should try going back to the Constitution and its sound principles?  Maybe if we cut government, especially the Federal government and return to our Constitutional roots, this might all work out in short order.

 

In fact, let me make a prediction: 

 

If we went back to a limited central government and abided by our Constitution, we could easily work our way out of these messes and into a healthy, vibrant economy that is secure within two years.

 

But if das Führer continues running up our tab with $5,000 a night lodging in Scottsdale, we might all end up on the streets!  Except the bankers, as Federal employees, they should afford roofs over their heads.  Obama’s “Mortgage Address” and his promises were the deception of the day—while the real deal of the day was nationalization of the banks!

 

Welcome, comrades, to the Soviet Socialist States of America!

 

I never dreamed I would live to see the Golden Days of the USA and our well engineered destruction from within!