Government sponsored programs <ul><li>An overview of considerations when initiating a County-run Foreclosure Prevention pr...
Foreclosure Prevention <ul><li>Where the heck did the County Go?  </li></ul><ul><ul><ul><li>Mark Wiseman, Director </li></...
Causes of problem <ul><li>Community specific </li></ul><ul><ul><li>Predatory lending  </li></ul></ul><ul><ul><li>Home Impr...
Overall premises of program <ul><li>Borrowers don’t realize the need to contact lender </li></ul><ul><ul><li>Freddie Mac s...
Overall Premises (2)  <ul><li>Borrowers can be educated to make the proper decisions </li></ul><ul><li>Predatory lending e...
Prep work necessary for program <ul><li>Agency assessment </li></ul><ul><ul><li>Site visits/self-appraisals </li></ul></ul...
Prep Work (2)  <ul><li>Financial partners/Non-financial partners </li></ul><ul><li>Gov’t players must work together </li><...
Special circs that will foster success <ul><li>Existence of non-profit community </li></ul><ul><ul><li>Experienced, primed...
Special circs (2)  <ul><li>Vacant homes costing money </li></ul><ul><ul><li>One Cuy Cty municipality budgeting > $750,000/...
Practical aspects <ul><li>Does program need one intake line as destination for calls? </li></ul><ul><li>Counseling availab...
Marketing Program <ul><li>Must complete groundwork, before campaign starts </li></ul><ul><li>Free Media v. Paid Media  </l...
Who will pay for it <ul><li>May be limitations on funds available to gov’t agencies </li></ul><ul><ul><li>Cuy Cty – Filing...
General County-run model <ul><li>Create link between County gov’t and counseling agencies </li></ul><ul><li>Provide inform...
General County model (2)  <ul><li>Create website </li></ul><ul><li>Use direct mailings </li></ul><ul><li>Offer educational...
Barriers <ul><li>Foreclosure Rescue Scammers </li></ul><ul><ul><li>$ to hire “help to contact lender” </li></ul></ul><ul><...
Lucas County  <ul><li>Foreclosure Prevention & Intervention Task Force </li></ul><ul><li>Borrowers informed about various ...
Lucas County Webpage <ul><li>Located on County Homepage </li></ul><ul><ul><li>http://.co.lucas.oh.us/Foreclosurehelp/   </...
Franklin County <ul><li>Monthly Counseling seminars for newly foreclosed upon </li></ul><ul><li>Borrowers informed about v...
Franklin County Webpage  <ul><li>Located on Treasurer’s webpage </li></ul><ul><ul><li>http://www.franklincountyohio.gov/tr...
Summit County <ul><li>New Program  </li></ul><ul><li>Creation of a Foreclosure Prevention Directory </li></ul><ul><li>Crea...
Summit County Webpage <ul><li>Located on page for Office of Consumer Affairs </li></ul><ul><ul><li>http://www.co.summit.oh...
Cuyahoga County <ul><li>Provide one local phone number for borrower assistance (United Way) </li></ul><ul><li>Program capi...
Cuyahoga County Webpage <ul><li>Located on County Homepage </li></ul><ul><ul><li>http://www.dontborrowtroublecc.org/   </l...
Fallout <ul><li>Cooperation from other gov’t agencies </li></ul><ul><li>Increased focus on prosecutorial action </li></ul>...
Government sponsored programs <ul><li>An overview of considerations when initiating a County-run Foreclosure Prevention pr...
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六合彩-香港六合彩

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招下来我妈已经晕头转向,小花小花的不离嘴,俨然成了亲母女俩,而我倒象个外人插不上嘴,我有种预感,小花就要取代我显赫的地位了.
2005/04/14/17:30
[9]
自从小花来到我家,我几乎就成了无所事事的公子哥,而小花甘愿做服侍公子哥的丫鬟,香港六合彩常常把饭盛好,把好菜藏在碗底下,端到我跟前;吃完饭,碗筷就没让我碰过,小花会在第一时间解决;换下的衣服也无须我妈动手,小花全包.我不得不承认小花是个相当勤快的女孩,这大概与在老家养成的习惯分不开.
我对小花谈不上好感,因为香港六合彩不是我喜欢的那种类型,可我妈很喜欢香港六合彩,这点让我很痛苦,我不想做个不孝之子,但我更不想做一个不爱自己老婆的丈夫,我小小年纪整天就为这些问题所困扰,原本就老相的我愈发感觉,心已倦了,毛也掉了……
夏天太热,香港六合彩一般都是将凉席铺在地下睡,每间房子里都躺着好几个人,兄弟仨并排躺在一块,父亲单独躺在一间房子里摊成大字型,我母亲和小花相挨在一处,到深更半夜都睡着的时候,这样的景象看上去

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六合彩-香港六合彩

  1. 1. Government sponsored programs <ul><li>An overview of considerations when initiating a County-run Foreclosure Prevention program w/various approaches </li></ul><ul><ul><ul><ul><li>Mark Wiseman – Director, Cuyahoga County Foreclosure Prevention Program </li></ul></ul></ul></ul><ul><ul><ul><ul><li>216.443.7461 </li></ul></ul></ul></ul><ul><ul><ul><ul><li>[email_address] </li></ul></ul></ul></ul>
  2. 2. Foreclosure Prevention <ul><li>Where the heck did the County Go? </li></ul><ul><ul><ul><li>Mark Wiseman, Director </li></ul></ul></ul><ul><ul><ul><li>Cuyahoga County Foreclosure Prevention Program </li></ul></ul></ul><ul><ul><ul><li>[email_address] </li></ul></ul></ul><ul><ul><ul><li>216.443.7461 </li></ul></ul></ul>
  3. 3. Causes of problem <ul><li>Community specific </li></ul><ul><ul><li>Predatory lending </li></ul></ul><ul><ul><li>Home Improvement Fraud </li></ul></ul><ul><ul><li>Economy </li></ul></ul><ul><ul><li>Flipping </li></ul></ul><ul><ul><li>Refusal on part of lenders to accept deeds in lieu </li></ul></ul><ul><ul><li>Workout issues </li></ul></ul>
  4. 4. Overall premises of program <ul><li>Borrowers don’t realize the need to contact lender </li></ul><ul><ul><li>Freddie Mac study </li></ul></ul><ul><li>Practical reasons for ostrichization </li></ul><ul><ul><li>Collectors v. loss mit </li></ul></ul><ul><ul><ul><li>Practical help not avail until borrower seriously delinquent </li></ul></ul></ul><ul><ul><li>Workability issues </li></ul></ul><ul><li>Counselors provide a real benefit </li></ul>
  5. 5. Overall Premises (2) <ul><li>Borrowers can be educated to make the proper decisions </li></ul><ul><li>Predatory lending exists </li></ul><ul><li>Gov’t can be educated about their role in stopping Fraud </li></ul><ul><ul><li>Follow up on building permits </li></ul></ul><ul><ul><li>Educate homeowners </li></ul></ul><ul><ul><li>Attack fraudulent actors </li></ul></ul>
  6. 6. Prep work necessary for program <ul><li>Agency assessment </li></ul><ul><ul><li>Site visits/self-appraisals </li></ul></ul><ul><ul><li>Funds available v. anticipated needs </li></ul></ul><ul><li>Raise money </li></ul><ul><li>Knowledge of all players in community </li></ul><ul><li>Knowledge of Bad guys, Schemes, Problem products </li></ul>
  7. 7. Prep Work (2) <ul><li>Financial partners/Non-financial partners </li></ul><ul><li>Gov’t players must work together </li></ul><ul><li>Capitalize on gov’tal experience dealing w/counseling agencies </li></ul><ul><li>Put together marketing package </li></ul><ul><li>Credibility in public’s eyes necessary </li></ul>
  8. 8. Special circs that will foster success <ul><li>Existence of non-profit community </li></ul><ul><ul><li>Experienced, primed, willing </li></ul></ul><ul><li>Does situation need drastic action? </li></ul><ul><li>Is Gov’t ready to act in a leadership role? </li></ul><ul><li>What is overall climate? </li></ul><ul><li>Are suburbs involved? </li></ul>
  9. 9. Special circs (2) <ul><li>Vacant homes costing money </li></ul><ul><ul><li>One Cuy Cty municipality budgeting > $750,000/yr to maintain vacant homes </li></ul></ul><ul><li>Vision, insight and courage on behalf of gov’t </li></ul><ul><ul><li>“ Predatory lending” not exactly popular term </li></ul></ul><ul><li>Local lending community willing to take steps </li></ul>
  10. 10. Practical aspects <ul><li>Does program need one intake line as destination for calls? </li></ul><ul><li>Counseling available to borrowers at all phases of the home loan process </li></ul><ul><li>Education at all phases </li></ul><ul><li>Agencies involved in creation of program </li></ul><ul><li>Will County operate program v. provide information? </li></ul>
  11. 11. Marketing Program <ul><li>Must complete groundwork, before campaign starts </li></ul><ul><li>Free Media v. Paid Media </li></ul><ul><li>Post cards to high F/C neighborhoods </li></ul><ul><li>Post cards while borrowers might be targeted </li></ul><ul><li>Billboards, TV, Radio </li></ul><ul><ul><li>Freddie Mac “Don’t Borrow Trouble” is one example </li></ul></ul>
  12. 12. Who will pay for it <ul><li>May be limitations on funds available to gov’t agencies </li></ul><ul><ul><li>Cuy Cty – Filing fee increase and Treasurer’s funds forbidden </li></ul></ul><ul><li>Lender/Foundation donations </li></ul><ul><li>County available funds </li></ul><ul><ul><li>Block grant funds </li></ul></ul><ul><ul><li>General fund </li></ul></ul><ul><ul><li>TANF funds </li></ul></ul>
  13. 13. General County-run model <ul><li>Create link between County gov’t and counseling agencies </li></ul><ul><li>Provide information to borrowers about F/C process as well </li></ul><ul><li>Encourage borrowers to get counseling AND to stay in their homes </li></ul><ul><li>Use Gov’t influence to lend credibility to efforts </li></ul>
  14. 14. General County model (2) <ul><li>Create website </li></ul><ul><li>Use direct mailings </li></ul><ul><li>Offer educational programs </li></ul><ul><li>Utilize resources already available </li></ul><ul><li>Counseling is cornerstone of program </li></ul>
  15. 15. Barriers <ul><li>Foreclosure Rescue Scammers </li></ul><ul><ul><li>$ to hire “help to contact lender” </li></ul></ul><ul><ul><ul><li>w/or w/out attorney </li></ul></ul></ul><ul><ul><li>“We buy houses” </li></ul></ul><ul><ul><li>Copy cats </li></ul></ul><ul><li>Still easier to get bad loan, than to fact the music </li></ul><ul><li>Counseling costs money </li></ul><ul><li>Culture change takes decades </li></ul>
  16. 16. Lucas County <ul><li>Foreclosure Prevention & Intervention Task Force </li></ul><ul><li>Borrowers informed about various Counseling agencies </li></ul><ul><li>One phone number also touted </li></ul><ul><li>Targeted mailings w/Foreclosure Complaints contemplated </li></ul>
  17. 17. Lucas County Webpage <ul><li>Located on County Homepage </li></ul><ul><ul><li>http://.co.lucas.oh.us/Foreclosurehelp/ </li></ul></ul><ul><li>Grid of agencies </li></ul><ul><li>Foreclosure timeline, Glossary, FAQ’s about F/C process </li></ul>
  18. 18. Franklin County <ul><li>Monthly Counseling seminars for newly foreclosed upon </li></ul><ul><li>Borrowers informed about various Counseling agencies </li></ul><ul><li>Borrower owns counseling from very start </li></ul><ul><li>Public/Private Task Force Managing program on ongoing basis </li></ul>
  19. 19. Franklin County Webpage <ul><li>Located on Treasurer’s webpage </li></ul><ul><ul><li>http://www.franklincountyohio.gov/treasurer/foreclosureint/index.html </li></ul></ul><ul><li>Grid of lender contacts ! </li></ul><ul><li>Foreclosure timeline, Tips, Seminars </li></ul>
  20. 20. Summit County <ul><li>New Program </li></ul><ul><li>Creation of a Foreclosure Prevention Directory </li></ul><ul><li>Creation of a mailer to go out w/new filings </li></ul><ul><li>Still meeting w/community leaders and stakeholders </li></ul>
  21. 21. Summit County Webpage <ul><li>Located on page for Office of Consumer Affairs </li></ul><ul><ul><li>http://www.co.summit.oh.us/conaffairs.htm </li></ul></ul><ul><li>Plan is to have information relating to predatory lending and F/C prevention </li></ul>
  22. 22. Cuyahoga County <ul><li>Provide one local phone number for borrower assistance (United Way) </li></ul><ul><li>Program capitalizes on existing network of experienced counseling agencies </li></ul><ul><li>Agencies own model </li></ul><ul><li>County pays agencies for increase in capacity caused by calls to 2-1-1 </li></ul>
  23. 23. Cuyahoga County Webpage <ul><li>Located on County Homepage </li></ul><ul><ul><li>http://www.dontborrowtroublecc.org/ </li></ul></ul><ul><li>Foreclosure timeline, FAQ’s, process overview. </li></ul><ul><li>Borrower questions answered through website </li></ul><ul><li>Standalone website </li></ul>
  24. 24. Fallout <ul><li>Cooperation from other gov’t agencies </li></ul><ul><li>Increased focus on prosecutorial action </li></ul><ul><li>Municipalities more willing to participate in solution </li></ul><ul><li>Money easier to raise </li></ul>
  25. 25. Government sponsored programs <ul><li>An overview of considerations when initiating a County-run Foreclosure Prevention program w/various approaches </li></ul><ul><ul><ul><ul><li>Mark Wiseman – Director, Cuyahoga County Foreclosure Prevention Program </li></ul></ul></ul></ul><ul><ul><ul><ul><li>216.443.7461 </li></ul></ul></ul></ul><ul><ul><ul><ul><li>[email_address] </li></ul></ul></ul></ul>

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