#Florida Commercial Eviction

[lawofficeofryansshipp]

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[crystalherbalism]

Exploring Prime Locations For Investment Properties In Florida

When considering investment properties in Florida, selecting the right location is paramount to maximizing returns and ensuring long-term success. Florida's real estate market is highly diverse, with each region offering distinct advantages. For instance, Miami is renowned for its vibrant nightlife, cultural diversity, and strong rental demand, making it ideal for luxury condos and short-term rental properties. Orlando, with its family-friendly attractions and significant tourism traffic, is perfect for vacation rentals and properties catering to the entertainment industry. Tampa and St. Petersburg, with their growing job markets and attractive coastal living, offer promising opportunities for both residential and commercial investments.

Key Factors To Consider When Buying Investment Properties In Florida

Purchasing investment properties in Florida requires careful consideration of several key factors to ensure a successful investment. Firstly, understanding the local real estate market is crucial. This includes analyzing property values, rental rates, and vacancy rates in the area. A thorough market analysis helps in assessing whether the property will generate positive cash flow and appreciate in value over time. Additionally, evaluating the neighborhood’s amenities, crime rates, and proximity to schools and public transportation can influence the attractiveness of the property to potential tenants or buyers.

Understanding Market Trends For Investment Properties In Florida

To make informed decisions about investing in Florida real estate, investors must stay updated on market trends and economic indicators. Florida's real estate market is influenced by various factors, including population growth, employment rates, and tourism activity. Tracking trends such as rising property values, changes in rental demand, and shifts in buyer preferences can provide insights into future market conditions. For instance, areas experiencing rapid population growth or significant infrastructure development may offer better investment opportunities due to increasing demand.

How To Finance Your Investment Properties In Florida?

Financing is a key component of investing in Florida real estate and involves exploring various funding options to acquire investment properties. Traditional mortgage loans are a common choice, but investors should also consider alternative financing methods, such as private loans, hard money loans, or real estate crowdfunding platforms. Each financing option has its advantages and drawbacks, depending on the investor's financial situation and investment goals.

Maximizing Returns On Investment Properties In Florida

Maximizing returns on investment properties in Florida involves implementing strategies to enhance property value and generate steady rental income. One effective strategy is to focus on property management and maintenance to ensure the property remains in excellent condition and attracts quality tenants. Regular maintenance, timely repairs, and property upgrades can contribute to higher rental rates and lower vacancy periods.

Legal Considerations For Investment Properties In Florida

Navigating legal considerations is crucial when investing in Florida real estate to ensure compliance with local, state, and federal regulations. Investors must familiarize themselves with Florida’s landlord-tenant laws, which govern rental agreements, security deposits, and eviction processes. Understanding these laws helps in maintaining legal and fair relationships with tenants and avoiding potential legal disputes.

The Role Of Property Management In Investment Properties In Florida

Property management plays a critical role in the success of investment properties in Florida. Effective property management ensures that the property is well-maintained, tenants are satisfied, and rental income is maximized. Property managers handle various tasks, including tenant screening, lease agreements, rent collection, maintenance requests, and addressing tenant concerns. Their expertise in managing day-to-day operations and maintaining property standards contributes to a positive rental experience and minimizes vacancy rates.

Top Features To Look For In Investment Properties In Florida

When evaluating investment properties in Florida, certain features can significantly impact their attractiveness and profitability. Key features to consider include location, property condition, and potential for rental income. Properties located in desirable neighborhoods with proximity to amenities, schools, and transportation are more likely to attract tenants and command higher rental rates.

Conclusion

Investing in properties in Florida offers a promising opportunity for real estate investors seeking diverse and profitable options. By carefully evaluating prime locations, understanding market trends, and considering key factors such as financing and property management, investors can make informed decisions and optimize their returns. Staying informed about legal considerations and leveraging effective property management practices further contribute to the success of Florida real estate investments. With its dynamic market and attractive investment potential, Florida remains a top choice for investors looking to capitalize on real estate opportunities in a thriving and diverse environment.

[the-firebird69]

Simply put they have a system that's faulty and massively annoying and all the way and it's crap and it don't seem to understand it. So there's a bit of a backlash from the message but it is happening and it's really it's a two-way street if you know what I mean and BG doesn't get it macro you understand a little but when you put it out there Tommy F gets upset I guess and he's spoiled and his men are spoiled and they don't understand what they're doing and saying to people and they get their asses handed for them but that's kind of making this transition less bloody and less painful the more sitting around doing nothing and really we need people to do stuff at least maintain your own self in your yard and your refrigerator and cleanliness and it wasn't happening either. Do you want to California and it's a picture and the last a few days it's totally disgusting and they're forced to do stuff and that's what they need I guess that's what's happening and yeah these people are geniuses.

-and some million and one people who have all sorts of stuff the same really there's only a few people he talks to but still the message went out and they get it you're going to be stuck in this pocket of 5% of the Damned and that's not 5% of Florida that is a very small area all of the other apartment complexes and houses for rent are going to be owned or our own actually by someone other than a moron the evictions will begin we think on Monday and in a large scale it is going to be a massive massive day for that to happen the two idiots to be threatening everyone else and it's going to continue in that vein fairly soon they're going to get it they're not welcome here but to explain it 5% of what they owned what they owned was 20% of the housing and apartments and commercial and everything else so if you took a look at the housing it's still 20% of the housing and it's still 20% of the apartments so it would be 2 out of 10 houses or two out of 10 apartments which is not that much right now they are down to 5% of the houses and or apartments. So it's 1/5 of that ratio so instead of let's say one out of five it would be one out of 25 approximately it's more like one out of 35 which would it works out to with guards to a neighborhood the most neighbors here have probably 25 houses you're only going to be one either owned or owned and rented by someone else so it might not even be a monologue who is there it's just owned and it really is not dispersed like that it's only in four or five areas and three and concentration okay then you're talking about apartment complexes and that's one out of 35. If you have an apartment up in say Orlando area there's probably 5,000 apartments not units 5,000 apartment buildings so one out of 35 isn't that bad. It's just over a hundred apartments. And that's a business that's terrible there's this really 150 apartments out of that number, there's nothing the ratio is terrible it's 1 to 35 so it's 35 times roughly 180 apartments no almost 200 but who cares if you're talking about 5,000 apartments. Also that the density is highest at that number and up in Orlando it's about half that so really it's about 90 apartment complexes versus 5000 and you'll be one out of 60 houses that was owned by a warlock not necessary occupied moving on but this doesn't apply to occupancy it's different this is ownership but in the morlock apartments since 80 to 90% more luck and the rest is like this wild card type thing someone with a mixed brain or a smaller race and things like that but as a total population it's dropped well with a 1% today and they are having a lot of trouble getting here and if not impossible they're going to have a lot of trouble trying to get here from now on if they want to I don't know why they would want to it's ending several other things are occurring

-those with down syndrome and that's 90% of the more lock here or more are being grams if they appear as their selves so those with brain problems are being forced to rectify them and they're doing it rapidly

We're going to publish he's not normal that guy but he thinks he is

Thor Freya

Zues Hera

Olympus

These people are all crazy as hell mental illness it is very rampant

Couple other notes they're not very Swift they don't understand what time it is here most of their lollygally saying stupid s*** to our son and being mean so that's what's happening

Frank Castle Hardcastle

It is a lot worse than lackadaisical behavior just not knows they're being their snide the senile and they're just horrible so we're watching it and we're going to go over it and they're trying stuff but we're moving in now just to make sure it's safe

Duke Nukem Blockbuster

And I hope you will be okay there's a lot of them here for bothering and what he says is bothering me makes it a lot worse for themselves and deep down inside a lot of them know it some don't they pushed to do things but with so few of them here they are having difficulty with regards to not being arrested and I do understand that

Hera

Olympus

[gardenshomemanagement]

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[mostlysignssomeportents]

A weapon of mass financial destruction

Some things are hard to understand because they're complicated.

Some things are complicated so they'll be hard to understand.

The harder you look at the finance industry, the more evident it becomes that the complexity is deliberate, a means of baffling with bullshit.

Private equity is one of those baffling and mysterious phenomena that only gets worse with scrutiny: how is it possible that a handful of companies are able to borrow vast sums to buy up and then destroy successful businesses? Can that really be their business-model?

Yup.

"Private Equity at Work," Eileen Appelbaum and Rosemary Batt's 2014 analysis of the social consequences of private equity takeovers. It identifies many destructive PE practices, but singles out one as especially deadly: "club deals."

https://www.russellsage.org/publications/private-equity-work

In a club deal, "two or more PE funds join together to acquire a huge enterprise, and share ownership." The presence of multiple marquee names on the deal (like the Toys R Us acquisition, with Bain, KKR, and Vornado in a single "club") puts billions on tap from lenders.

Club deals' easy access to credit made them hugely popular, constituting 40% of leveraged buyouts in 2004. But the uncritical fortunes showered on club LBOs emboldened a series of increasingly destructive grifts that caused club deals collapse in popularity.

The "save businesses, fuck workers" Trump stimulus sent trillions of Fed dollars sloshing into the finance world, fuelling multiple asset bubbles, from cryptos to single-family dwellings - even a violent trading-card frenzy.

https://www.nytimes.com/2021/05/14/business/pokemon-cards-target.html

To that list, we can now add Club Deals 2.0, with billions being marshalled by PE alliances who are bidding against one another to acquire Medline America's largest manufacturer/distributor of medical supplies, serving hospitals and doctor's offices.

https://www.bloomberg.com/news/articles/2021-05-06/top-buyout-firms-said-to-club-up-for-jumbo-lbo-of-medline

As Appelbaum writes for The American Prospect, this is cause for alarm. To the PE clubs, Medline is an asset, used to secure debt financing that can be handed out to fund managers and investors. To the rest of us, Medline is a matter of life or death.

https://prospect.org/economy/private-equity-club-deal-coming-to-a-pension-fund-near-you/

To remind us of the awesome destructive power of PE club deals, Appelbaum provides us with a rundown of their terrifying history:

The 2006 $5.4b Tishman Speyer/Blackrock deal to buy Stuyvesant/Cooper Village in order to undo its rent-control status, evict its tenants, and go condo. Tenants organized, and the fund went bankrupt in 2010, dodging the $200m it owed tenants for illegal rent overcharges. Though the fund managers made out fine on that deal, its investment partners weren't so lucky: "the Church of England, the government of Singapore, and three public-employee pension funds in Florida and California, lost a total of $850 million."

The 2007 $48b KKR/TPG/Goldman Sachs buyout of Texas energy giant TXU (AKA Energy Future Holdings). Bankrupt by 2012. PE extracted $538m from the deal, and millions more in "fees" to oversee the company's implosion. Investors lost 95 cents for every dollar they put in.

The 2004 Cerberus/Sun/Lubert-Adler/Klaff buyout of Mervyn's department stores: asset stripped, bankrupt by 2008, liquidated, destroying thousands of jobs and stiffing suppliers, kicking off a wave of knock-on bankruptcies.

The 2006 $30.7b Apollo/TPG buyout of Harrah's (now Caesar's): eliminated much of the 30,000 unionized employee workforce and cut the IPO offering from $17/share to $9 in 2010. Investors lost 40% of their cash.

The 2000 Caxton-Iseman/Sentinel acquisition of Buffets Holdings (Ryan's, Hometown Buffet, Old Country Buffet, Tahoe Joe's, etc). Bankrupt by 2008 after the PE extracted more than $250m. Thousands of jobs gone, forever.

PE firms claim that they are Good at Business in ways that the people who run profitable companies that employ people in good jobs that do things other people value simply are not.

With leveraged buyouts, PE firms borrow billions by putting up the companies they're targeting as collateral (like nonconsensually buying someone else's house by taking out a mortgage that puts their house up as security!).

Credulous lenders - your pension fund, your government, even your church - put up the money, accepting deals in which the key assets of the business are immediately liquidated to pay huge management and special dividend fees to the PE company.

PE rakes in hundreds of millions - even billions - and saddles the company with vast debts whose interest payments drain its profits. Meanwhile, the company is forced to lease back the capital assets the PE company sold off, exposing it to rent shocks and price hikes.

While the PE barons who devised this Excellent Business Strategy charge the company millions more in "management and consulting fees" in exchange for yet more of this species of commercial wisdom.

It's a (terrifying) sign of just how stupid big money has become that club deals are back. A leveraged buyout of Medline puts the whole medical system in jeopardy (raising a question: why didn't antitrust regulators prevent Medline from becoming a single point of failure?).

There is no credible case for PE making Medline a better company. As Appelbaum writes, "it's a highly successful company with no low-hanging fruit in the form of operational, marketing, or business strategy improvements requiring PE’s secret sauce."

Sticking Medline with $10b in leveraged buyout debts and saddling it with millions in payments for "management and consulting" will necessitate massive junk-bond raises and a spiral towards inevitable bankruptcy.

As Appelbaum writes, that doesn't mean that the funds bidding for the company (Advent/Bain/CVC, KKR/Clayton, Blackstone/Hellman) won't make out like (literal) bandits on the deal.

For decades, we've been sold the narrative that wealth is the reward for brilliance, in a concerted effort to overturn Balzac's maxim that "behind every great fortune there is a crime."

We've been told that we're not qualified to comment on finance matters because we don't understand its complexities, the underlying, unquestionable axioms that make it somehow necessary and valorous to destroy productive businesses in the name of capitalism.

We've been told that economic malaise is the result of workers demanding a living wage (especially through unions) and "burdensome regulations" that put the incomprehensible genius of billionaire saviors in shackles, to the detriment of us all.

Reality has finally come for that self-serving myth. At a time in which American union membership is at historic lows, support for unions is at historic highs, and our trust in big business has plummeted:

https://www.theguardian.com/commentisfree/2021/may/13/americans-are-more-pro-union-and-anti-big-business-than-at-any-time-in-decades

Starting in 2012, and for first time in half-century the history of the American National Election Studies, public sentiment moved for unions and against business (historically, trust for unions and business rise and fall together).

The latest ANES data shows the most intense divergence ever, with all age groups and political groups hold "record or near-record positive views favoring labor over big business." Republican support of unions, which has grown since 2012, is at an all-time high.

The PRO Act, a landmark pro-union bill, is currently before the Congress, with strong support from the Biden administration. It presents the possibility that public sentiment will turn into public policy, making lasting change to our politics:

https://pluralistic.net/2021/05/07/pro-act-class-war/#sectoral-balances

Billionaires have always been sterling exemplars of class solidarity. Even when their private equity funds result in wealthy investors losing hundreds of millions of dollars, they stick together and argue for preferential treatment for capital gains and finance deregulation.

Today, we see serious signs of class solidarity among the rest of us, the first in many decades. All it took was decades of hugely destructive financial engineering, a nation brought to the brink of collapse, and a planet on fire, all in the name of "efficiency."

[arcticdementor]

Stefanie Gray explains why, as a teenager, she was so anxious to leave her home state of Florida to go to college.

“I went to garbage schools and I’m from a garbage low-income suburb where everyone sucks Oxycontin all day,” she says. “I needed to get out.”

She got into Hunter College in New York, but both her parents had died and she had nowhere near enough to pay tuition, so she borrowed. “I just had nothing and was poor as hell, so I took out loans,” she says.

This being 2006, just a year after the infamous Bankruptcy Bill of 2005 was passed, she believed news stories about student loans being non-dischargeable in bankruptcy. She believed they would be with her for life, or until they were paid off.

“My understanding was, it’s better to purchase 55 big-screen TVs on a credit card, and discharge that in a court of law, then be a student who’s getting an education,” she says.

Still, she asked for financial aid: “I was like, ‘My parents are dead, I'm a literal fucking orphan, I have no siblings. I'm just taking out this money to put my ass through school.”

Instead of a denial, she got plenty of credit, including a slice of what were called “direct-to-consumer” loans, that came with a whopping 14% interest rate. One of her loans also came from a company called MyRichUncle that, before going bankrupt in 2009, would briefly become famous for running an ad disclosing a kickback system that existed between student lenders and college financial aid offices.

Gray was not the cliché undergrad, majoring in intersectional basket-weaving with no plan to repay her loans. She took geographical mapping, with the specific aim of getting a paying job quickly. But she graduated in the middle of the post-2008 crash, when “53% of people 18 to 29 were unemployed or underemployed.”

“I couldn't even get a job scrubbing toilets at a local motel,” she recalls. “They told me straight up that I was over-educated. I was like, “Literally, I'll do your housekeeping. I don't give a shit, just let me make money and not get evicted and end up homeless.”

The lender Sallie Mae at the time had an amusingly loathsome policy of charging a repeating $150 fee every three months just for the privilege of applying for forbearance. Gray was so pissed about having to pay $50 a month just to say she was broke that she started a change.org petition that ended up gathering 170,000 signatures.

She personally delivered those to the Washington offices of Sallie Mae and ended up extracting a compromise out of the firm: they’d still charge the fee, but she could at least apply it to her balance, as opposed to just sticking it in the company’s pocket as an extra. This meager “partial” victory over a student lender was so rare, the New York Times wrote about it.

“I definitely poked the bear,” she says.

Gray still owed a ton of student debt — it had ballooned from $36,000 to $77,000, in fact — and collectors were calling her nonstop, perhaps with a little edge thanks to who she was. “They were telling me I should hit up people I know for money, which was one thing,” she recalls. “But when they started talking about giving blood, or selling plasma… I don’t know.”

Sallie Mae ultimately sued Gray four times. In doing so, they made a strange error. It might have slipped by, but for luck. “By the grace of God,” Gray said, she met a man in the lobby of a courthouse, a future state Senator named Kevin Thomas, who took a look at her case. “Huh, I’ve got some ideas,” he said, eventually pointing to a problem right at the top of her lawsuit.

Sallie Mae did not represent itself in court as Sallie Mae. The listed plaintiff was “SLM Private Credit Student Loan Trust VL Funding LLC.” As was increasingly the case with mortgages and other forms of debt, student loans by then were typically gathered, pooled, and chopped into slices called tranches, to be marketed to investors. Gray, essentially, was being sued by a tranche of student loan debt, a little like being sued by the coach section of an airline flight.

When Thomas advised her to look up the plaintiff’s name, she discovered it wasn’t registered to do business in the State of New York, which prompted the judge to rule that the entity lacked standing to sue. He fined Sallie Mae $10,000 for “nonsense” and gave Gray another rare victory over a student lender, which she ended up writing about herself this time, in The Guardian.

Corporate creditors often play probabilities and mass-sue even if they don’t always have great cases, knowing a huge percentage of borrowers either won’t show up in court (as with credit card holders) or will agree to anything to avoid judgments, the usual scenario with student borrowers.

“What usually happens in pretty much 99% of these cases is you beg and plead and say, ‘Please don't put a judgment against me, I'll do anything… because a judgment against you means you're not going to be able to buy a home, you’re not going to be able to do basically anything involving credit for the next 20 years.”

…

The passage of the Bankruptcy Abuse Prevention and Consumer Protection Act of 2005 was a classic demonstration of how America works, or doesn’t, depending on your point of view. While we focus on differences between Republicans and Democrats, it’s their uncanny habit of having just a sliver of enough agreement to pass crucial industry-friendly bills that really defines the parties.

Whether it’s NAFTA, the Iraq War authorization, or the Obama stimulus, there are always just enough aisle-crossers to get the job done, and the tally usually tracks with industry money with humorous accuracy. In this law signed by George Bush, sponsored by Republican Chuck Grassley, and greased by millions in donations from entities like Sallie Mae, the crucial votes were cast by a handful of aisle-crossing Democrats, including especially the Delawareans Joe Biden and Tom Carper. Hillary Clinton, who took $140,000 from bank interests in her Senate run, had voted for an earlier version.

Party intrigue is only part of the magic of American politics. Public relations matter, too, and the Bankruptcy Bill turned out to be the poster child for another cherished national phenomenon: the double-lie.

…

Years later, pundits still debate whether there really ever was an epidemic of debt-fleeing deadbeats, or whether legislators in 2005 who just a few years later gave “fresh starts” to bankrupt Wall Street banks ever cared about “moral hazard,” or if it’s fair to cut off a single Mom in a trailer when Donald Trump got to brag about “brilliantly” filing four commercial bankruptcies, and so on.

In other words, we argue the why of the bill, but not the what. What did that law say, exactly? For years, it was believed that it absolutely closed the door on bankruptcy for whole classes of borrowers, and one in particular: students. Nearly fifteen years after the bill’s passage, journalists were still using language like, “The bill made it completely impossible to discharge student loan debt.”

…

The phrase “Just asking questions” today often carries a negative connotation. It’s the language of the conspiracy theorist, we’re told. But sometimes in America we’re just not told the whole story, and when the press can’t or won’t do it, it’s left to individual people to fill in the blanks. In a few rare cases, they find out something they weren’t supposed to, and in rarer cases still, they learn enough to beat the system. This is one of those stories.

…

Smith’s explanation of the history of the student loan exemption and where it all went wrong is biting and psychologically astute. In his telling, the courts’ historically sneering attitude toward student borrowers has its roots in an ages-old generational debate.

“This started out as an an argument between the Greatest Generation and Baby Boomers,” Smith notes. “A lot of the law was created by people railing against draft-dodging deadbeat hippies.”

He points to a 1980 ruling by a judge named Richard Merrick, who in denying relief to a former student, wrote the following:

The arrogance of former students who had received so much from society, frequently including draft deferment, and who had given back so little in return, accompanied by their vehemence in asserting their constitutional and statutory rights, frequently were not well received by legislators and jurists, senior to them, who had lived through the Depression, had worked their ways through college and graduate school, had served in World War II, and had been paying the taxes which made possible the student loans.

Smith laughs about this I didn’t climb the hills at Normandy with a knife in my teeth just to eat the debt on your useless-ass liberal arts degree perspective, noting that “when those guys who did all that complaining went to school, only rich prep school kids went to college, and by the way, tuition was like ten bucks.” Still, he wasn’t completely unsympathetic to the conservative position.

…

This concern about “deadbeats” gaming the system — kids taking out fat loans to go to school and bailing on them before the end of the graduation party — led that 1985 court to take a hardcore position against students who made “virtually no attempt to repay.” They established a three-pronged standard that came to be known as the “Brunner test” for determining if a student faced enough “undue hardship” to be granted relief from student debt.

Among other things, the court ruled that a newly graduated student had to do more than demonstrate a temporary inability to handle bills. Instead, a “total incapacity now and in the future to pay” had to be present for a court to grant relief. Over the course of the next decades, it became axiomatic that basically no sentient being could pass the Brunner test.

…

In 2015, he was practicing law at the Texas litigation firm Bickel and Brewer when he came across a case involving a former Pace University student named Lesley Campbell, who was seeking to discharge a $15,000 loan she took out while studying for a bar exam. Smith believed a loan given out to a woman who’d already completed her studies, and who used the money to pay for rent and groceries, was not covering an “educational benefit” as required by law. A judge named Carla Craig agreed and canceled Campbell’s loan, and Campbell v. Citibank became one of the earlier dents in the public perception that there were no exceptions to the prohibition on discharging student debts.

“I thought, ‘Wait, what? This might be important,’” says Smith.

By law, Smith believed, lenders needed to be wary of three major exceptions to the non-dischargeability rule:

— If a loan was not made to a student attending a Title IV accredited school, he thought it was probably not a “qualified educational loan.”

— If the student was not a full-time student — in practice, this meant taking less than six credits — the loan was probably dischargeable.

— And if the loan was made in an amount over and above the actual cost of attending an accredited school, the excess might not be “eligible” money, and potentially dischargeable.

Practically speaking, this means if you got a loan for an unaccredited school, were not a full-time student, or borrowed for something other than school expenses, you might be eligible for relief in court.

Smith found companies had been working around these restrictions in the blunt predatory spirit of a giant-sized Columbia Record Club. Companies lent hundreds of thousands to teenagers over and above the cost of tuition, or to people who’d already graduated, or to attendees of dubious unaccredited institutions, or to a dozen other inappropriate destinations. Then they called these glorified credit card balances non-dischargeable educational debts — Gray got one of these “direct-to-consumer” specials — and either sold them into the financial system as investments, borrowed against them as positive assets, or both.

…

Smith thought these practices were nuts, and tried to convince his bosses to start suing financial companies.

“They were like, ‘You do know what we do around here, right?’ We defend banks,” he recalls, laughing. “I said, ‘Not these particular banks.’ They said it didn’t matter, it was a question of optics, and besides, who was going to pay off in the end? A bunch of penniless students?”

Furious, Smith stormed off, deciding to hang his own shingle and fight the system on his own. “My sister kept saying to me, ‘You have to stop trying to live in a John Grisham novel,’” he recalls, laughing. “There were parts of it where I was probably super melodramatic, saying things like, ‘I'm going to go find justice.’”

Slowly however, Smith did find clients, and began filing and winning cases. With each suit, he learned more and more about student lenders. In one critical moment, he discovered that the same companies who were representing in court that their loans were absolutely non-dischargeable were telling investors something entirely different. In one prospectus for a trust packed full of loans managed by Sallie Mae, investors were told that the process for creating the aforementioned “direct-to-consumer” loans:

Does not involve school certification as an additional control and, therefore, may be subject to some additional risk that the loans are not used for qualified education expenses… You will bear any risk of loss resulting from the discharge.

Sallie Mae was warning investors that the loans might be discharged in bankruptcy. Why the honesty? Because the parties who’d be packaging and selling these student loan-backed instruments included Credit Suisse, JP Morgan Chase, and Deutsche Bank.

“It’s one thing to lie to a bunch of broke students. They don’t matter,” Smith says. “It’s another to lie to JP Morgan Chase and Deutsche Bank. You screw those people, they’ll fight back.”

…

In June of 2018, a case involving a Navy veteran named Kevin Rosenberg went through the courts. Rosenberg owed hundreds of thousands of dollars and tried to keep current on his loans, but after his hiking and camping store folded in 2017, he found himself busted and unable to pay. His case was essentially the opposite of Brunner: he clearly hadn’t tried to game the system, he made a good faith effort to pay, and he demonstrated a long-term inability to make good. All of this was taken into consideration by a judge named Cecilia Morris, who ruled that Rosenberg qualified for “undue hardship.”

“Most people… believe it impossible to discharge student loans,” Morris wrote. “This Court will not participate in perpetuating these myths.” The ruling essentially blew up the legend of the unbeatable Brunner standard.

Given a fresh start, Rosenberg moved to Norway to become an Arctic tour guide. “I want people to know that this is a viable option,” he said at the time. The ruling attracted a small flurry of news attention, including a feature in the Wall Street Journal, as the case sent a tremor through the student lending world. More and more people were now testing their luck in bankruptcy, suing their lenders, and asking more and more uncomfortable questions about the nature of the education business.

In the summer of 2012, a former bond trader named Michael Grabis sat in the waiting room of a Manhattan financial company, biding time before a job interview. In the eighties, Grabis’s father was a successful bond trader who worked in a swank office atop the World Trade Center, but after the 1987 crash, the family fell out of the smart set overnight. His father lost his job and spiraled, his mother had to look for a job, and “we just became working class people.”

Michael tried to rewrite the family story, going to school and going into the bond business himself, first with the Bank of New York, and eventually for Schwab. But he, too, lost his job in a crash, in 2008, and now was trying to break the pattern of bubble economy misery. However, he’d exited Pennsylvania’s Lafayette College in the nineties carrying tens of thousands in student loans. That number had since been compounded by fees and penalties, and the usual letters, notices, and phone calls from debt collectors came nonstop.

Now, awaiting a job interview, his phone rang again. It was a collection call for Sallie Mae, and it wasn’t just one voice on the line.

“They had two women call at once,” Grabis recalls. “They told me I’d made bad life choices, that I lived in too expensive a city, that I had to move to a cheaper place, so I could afford to pay them,” Grabis explains. “I tried to tell them I was literally at that moment trying to get a job to help pay my bills, but these people are trained to just hound you without listening. I was shaking when I got off the phone, and ended up having a bad interview.”

Two years later, more out of desperation and anger than any real expectation of relief, Grabis went to federal court in the Southern District of New York and filed for bankruptcy. At the time, he, too, believed student loans could not be eliminated. But the more he read about the way student loans were constructed and sold — he’d had experience in doing shovel-work constructing mortgage-backed securities, so he understood the Student Loan Asset-Backed Securities (SLABS) market — he started to develop a theory. Everyone dealing with the finances of higher education in America knew the system was rotten, he thought. But what if someone could prove it?

The 2005 Bankruptcy Act says former students can’t discharge loans for “qualified educational expenses,” i.e. loans given to students so that they might attend tax-exempt non-profit educational institutions. Historically, that exemption covered almost all higher education loans.

What if America’s universities no longer deserve their non-profit status? What if they’re no longer schools, and are instead first and foremost crude profit-making ventures, leveraging federal bankruptcy law and the I.R.S. code into a single, ongoing predatory lending scheme?

This is essentially what Grabis argued, in a motion filed last January. He named Navient, Lafayette College, the U.S. Department of Education, Joe Biden, his own exasperated judge, and a host of other “unknown co-perpetrators” as part of a scheme against him, claiming the entirety of America’s higher education business had become an illegal moneymaking scam.

“They created a fraud,” he says flatly.

…

Grabis doesn’t have a lawyer, his case has been going on for the better part of six years, and at first blush, his argument sounds like a Hail Mary from a desperate debtor. The only catch is, he might be right.

By any metric, something unnatural is going on in the education business. While other industries in America suffered declines thanks to financial crises, increased exposure to foreign competition, and other factors, higher education has grown suspiciously fat in the last half-century. Tuition costs are up 100% at universities over and above inflation since 2000, despite the 2008 crash, with some schools jacking up prices at three, four times the rate of inflation dating back to the seventies.

Bloat at the administrative level makes the average university look like a parody of an NFL team, where every brain-dead cousin to the owner gets on the payroll. According to Education Week, “fundraisers, financial aid advisers, global recruitment staff, and many others grew by 60 percent between 1993 and 2009,” which is ten times the rate of growth for tenured faculty positions.

…

Hovering over all this is a fact not generally known to the public: many American universities, even ones claiming to be broke, are sitting atop mountains of reserve cash. In 2013, after the University of Wisconsin blamed post-crash troubles for raising tuition 5.5%, UW system president Kevin Reilly in 2013 admitted that the school actually held $638 million in reserve, separate and distinct from the school endowment. Moreover, Reilly said, other big schools were doing the same thing. UW’s reserve was 25% of its operating budget, for instance, but the University of Minnesota’s was 29%, while Illinois maintained a whopping 34% buffer.

When Alan Collinge of Student Loan Justice looked into it, he found many other schools were sitting atop mass reserves even as they pleaded poverty to raise tuition rates. “They’re all doing it,” he said.

In the mortgage bubble that led to the 2008 crash, financiers siphoned fortunes off home loans that were unlikely to be repaid. Student loans are the same game, but worse. All the key players get richer as that $1.7 trillion pile of debt expands, and the fact that everyone knows huge percentages of student borrowers will never pay is immaterial. More campus palaces get built, more administrators get added to payrolls, and perhaps most importantly, the list of assets grows for financial companies, whether or not the loans perform.

…

“As long as it’s collateralized at Navient, they can borrow against that,” Smith says. “They say, ‘Look, we've got $3 billion in assets, which are just consumer loans in negative amortization that are not being repaid, but are being artificially kept out of default so Navient can borrow against that from other banks.

“When I realized that, I was like, ‘Oh, my god. They’re happy that the loans are growing instead of being repaid, because it gives them more collateral to borrow against.’” Smith’s comments echo complaints made by virtually every student borrower in trouble I’ve ever interviewed: lenders are not motivated to reduce the size of balances by actually getting paid. Instead, the game is about keeping loans alive and endlessly growing the balance, through new fees, penalties, etc.

There are two ways of approaching reform of the system. One is the Bernie Sanders route, which would involve debt forgiveness and free higher education. A market-based approach meanwhile dreams of reintroducing discipline into student lending; if students could default, schools couldn’t endlessly raise costs on the back of unlimited government-backed credit.

Which idea is more correct can be debated, but the one thing we know for sure is that the current system is the worst of both worlds, enriching all the most undeserving actors, and hitting that increasingly prevalent policy sweet spot of privatized profit and socialized risk. Whether it gets blown up in bankruptcy courts or simply collapses eventually under its own financial weight — there’s an argument that the market will be massively disrupted if and when the administration ends the Covid-19 deferment of student loan payments — the lie can’t go on much longer.

“It’s just obvious that this has become a printing money operation,” says Grabis. “The colleges charge whatever they want, then they go to the government and continuously increase the size of the loans.” If you’re on the inside, that’s a beautiful thing. What about for everyone else?

[newstfionline]

Saturday, July 31, 2021

Biden to allow eviction moratorium to expire Saturday (AP) The Biden administration announced Thursday it will allow a nationwide ban on evictions to expire Saturday, arguing that its hands are tied after the Supreme Court signaled the moratorium would only be extended until the end of the month. The White House said President Joe Biden would have liked to extend the federal eviction moratorium due to spread of the highly contagious delta variant of the coronavirus. Instead, Biden called on “Congress to extend the eviction moratorium to protect such vulnerable renters and their families without delay.” By the end of March, 6.4 million American households were behind on their rent, according to the Department of Housing and Urban Development. As of July 5, roughly 3.6 million people in the U.S. said they faced eviction in the next two months, according to the U.S. Census Bureau’s Household Pulse Survey.

Evacuation flight brings 200 Afghans to US (AP) The first flight evacuating Afghans who worked alongside Americans in Afghanistan brought more than 200 people, including scores of children and babies in arms, to resettlement in the United States on Friday, and President Joe Biden welcomed them home. The evacuation flights, bringing out former interpreters and others who fear retaliation from Afghanistan’s Taliban for having worked with American service members and civilians, highlight American uncertainty about how Afghanistan’s government and military will fare after the last U.S. combat forces leave that country in the coming weeks. Family members are accompanying the interpreters, translators and others on the flights out. The commercial airliner carrying the 221 Afghans in the special visa program, including 57 children and 15 babies, according to an internal U.S. government document obtained by The Associated Press, touched down in Dulles, Virginia, just outside Washington, D.C.

Not in control (NYT) Consider these Covid-19 mysteries: In India—where the Delta variant was first identified and caused a huge outbreak—cases have plunged over the past two months. A similar drop may now be underway in Britain. There is no clear explanation for these declines. / In the U.S., cases started falling rapidly in early January. The decline began before vaccination was widespread and did not follow any evident changes in Americans’ Covid attitudes. / In March and April, the Alpha variant helped cause a sharp rise in cases in the upper Midwest and Canada. That outbreak seemed poised to spread to the rest of North America—but did not. / This spring, caseloads were not consistently higher in parts of the U.S. that had relaxed masking and social distancing measures (like Florida and Texas) than in regions that remained vigilant. / Large parts of Africa and Asia still have not experienced outbreaks as big as those in Europe, North America and South America. / How do we solve these mysteries? Michael Osterholm, who runs an infectious disease research center at the University of Minnesota, suggests that people keep in mind one overriding idea: humility. “We’ve ascribed far too much human authority over the virus,” he told me.

Diasporas at the Olympics (Foreign Policy) Cuban athletes at the Tokyo Olympics are evidence of the exodus from the island over the years. By the Cuban sports journalist Francys Romero’s count, more than 20 athletes at the Olympics were born in Cuba but became naturalized in and are now playing for other countries. That’s a group almost one-third the size of Cuba’s own delegation.

Peru’s politics (Foreign Policy) Peru’s new President Pedro Castillo chose Guido Bellido, a congressman and fellow member of his Marxist Free Peru party, as his prime minister as part of a cabinet announcement on Thursday, setting up a tense confirmation battle with the country’s opposition-led Congress. Bellido courted controversy in a local media interview in April when he expressed sympathy for members of Shining Path—a Maoist guerilla group who fought a bloody insurgency during the 1980s and 1990s.

Death toll in Turkish wildfires rises to four, blazes rage on (Reuters) The death toll from wildfires on Turkey’s southern coast has risen to four and firefighters were battling blazes for a third day on Friday after the evacuation of dozens of villages and some hotels. More than 60 wildfires have broken out across 17 provinces on Turkey’s Aegean and Mediterranean coasts this week, officials have said. Villages and some hotels have been evacuated in areas popular with tourists, and TV footage had shown people fleeing across fields as they watched fires close in on their homes.

Three Jehovah’s Witnesses sentenced to six or more years in Russian prison for their faith (RNS) Three Jehovah’s Witnesses in Russia were convicted and sentenced to prison for practicing their faith on Thursday (July 29). Vilen Avanesov, 68, was sentenced to six years, and his son Arsen Avanesov, 37, along with a third defendant, Aleksandr Parkov, 53, were both sentenced to six-and-a-half years. All three men have already spent more than two years in pretrial detention. “These men should never, ever have had to spend a minute in prison, and yet they’ve been locked up for two years,” said Rachel Denber, deputy director of Human Rights Watch’s Europe and Central Asia division. The three Jehovah’s Witnesses were detained in Rostov-on-Don in May 2019 and accused of continuing the operations of a Jehovah’s Witness organization that had been liquidated. All three were charged with organizing extremist activities. In January 2020, Arsen Avanesov was also accused of “financing extremist activities” by collecting donations to rent a room to meet with other Jehovah’s Witnesses. Near the trial’s conclusion, Arsen Avanesov spoke of his devotion to God: “I dedicated my life to him and did it sincerely. … I don’t want, I can’t and will not give up my promise.” The sentences for the three men are considered particularly harsh in a country where rape is punishable by three years in prison and kidnapping by five. The sentencing follows a 2017 ruling that categorizes the religious group as “extremist.”

Myanmar leaders ‘weaponizing’ COVID-19, residents say (AP) With coronavirus deaths rising in Myanmar, allegations are growing from residents and human rights activists that the military government, which seized control in February, is using the pandemic to consolidate power and crush opposition. Supplies of medical oxygen are running low, and the government has restricted its private sale in many places, saying it is trying to prevent hoarding. But that has led to widespread allegations that the stocks are being directed to government supporters and military-run hospitals. At the same time, medical workers have been targeted after spearheading a civil disobedience movement that urged professionals and civil servants not to cooperate with the government, known as the State Administrative Council. “They have stopped distributing personal protection equipment and masks, and they will not let civilians who they suspect are supporting the democracy movement be treated in hospitals, and they’re arresting doctors who support the civil disobedience movement,” said Yanghee Lee, the U.N.’s former Myanmar human rights expert and a founding member of the Special Advisory Council for Myanmar. “With the oxygen, they have banned sales to civilians or people who are not supported by the SAC, so they’re using something that can save the people against the people,” she said. “The military is weaponizing COVID.”

North Korea began the summer in a food crisis. A heat wave and drought could make it worse. (Washington Post) At the beginning of the summer, North Korean leader Kim Jong Un described the country’s food situation as “tense” after border closures caused by the coronavirus pandemic and crippling floods. By midsummer, a cycle of grinding heat and record-low rainfall could be a sign of a greater food crisis and hunger ahead. Temperatures in North Korea have climbed as high as 102 degrees in some areas this week—a shock in a country where temperatures do not often break 100 degrees. The heat wave has been compounded by a growing drought. North Korea had gotten 21.2 millimeters, or less than an inch, of rain as of mid-July. It is so hot that state media reports have been repeatedly warning residents about the dangers of dehydration and low sodium levels, especially for the elderly and those at risk of heart disease or stroke. They are urging residents to stay out of the sun, eat more fruits and vegetables, and drink more than two liters (about two quarts) of water per day, according to NK News, which monitors North Korea’s state media.

Hong Kong protester given 9-year term in 1st security case (AP) A pro-democracy protester was sentenced Friday to nine years in prison in the closely watched first prosecution under Hong Kong’s national security law as the ruling Communist Party tightens control over the territory. Tong Ying-kit, 24, was convicted of inciting secession and terrorism for driving his motorcycle into a group of police officers at a July 1, 2020, rally. He carried a flag bearing the banned slogan, “Liberate Hong Kong, revolution of our times.” Tong’s sentence was longer than the three years requested by the prosecution. He faced a possible maximum of life in prison. Tong’s sentence is a “hammer blow to free speech” and shows the law is “a tool to instill terror” in government critics, Amnesty International’s Asia-Pacific regional director, Yamini Mishra, said in a statement. The law “lacks any exemption for legitimate expression or protest,” Mishra said. “The judgment at no point considered Tong’s rights to freedom of expression and protest.” Defense lawyers said Tong’s penalty should be light because the court hadn’t found the attack was deliberate, no one was injured, and the secession-related offense qualified as minor under the law.

New Zealand rated best place to survive global societal collapse (Guardian) New Zealand, Iceland, the UK, Tasmania and Ireland are the places best suited to survive a global collapse of society, according to a study. The researchers said human civilisation was “in a perilous state” due to the highly interconnected and energy-intensive society that had developed and the environmental damage this had caused. A collapse could arise from shocks, such as a severe financial crisis, the impacts of the climate crisis, destruction of nature, an even worse pandemic than Covid-19 or a combination of these, the scientists said. To assess which nations would be most resilient to such a collapse, countries were ranked according to their ability to grow food for their population, protect their borders from unwanted mass migration, and maintain an electrical grid and some manufacturing ability. Islands in temperate regions and mostly with low population densities came out on top.

Ethiopian roadblock (NYT) Aid workers in Ethiopia claim that an unofficial Ethiopian government blockade has cut off the only road into the conflict-torn region where millions of Ethiopians face the threat of mass starvation. A relief convoy headed for Tigray came under fire on the road on July 18, forcing it to turn around. On Tuesday, the World Food Program said 170 trucks loaded with relief aid were stranded in Semera, the capital of the neighboring Afar region, waiting for Ethiopian permission to make the trek into Tigray. The blockade is intensifying what some call the world’s worst humanitarian crisis in a decade. The crisis comes during an intensifying war, which has deepened ethnic tensions and stoked fears that Ethiopia will collapse. The United Nations estimates that 400,000 people there are living in famine-like conditions, and another 4.8 million need urgent help. The Ethiopian prime minister, Abiy Ahmed, who won the 2019 Nobel Peace Prize, said last week that his government was providing “unfettered humanitarian access” and committed to “the safe delivery of critical supplies to its people in the Tigray region.” However, Mr. Abiy’s ministers have publicly accused aid workers of helping and even arming the Tigrayan fighters, leading to aid workers being attacked at airports, and even killed.

[thedoralian]

Amid the Pandemic, A New Crisis Threatens to Strike the City on New Year's Day: Mass Evictions

December 31st, 2020

DORAL – The addition of another 1,000 cases to the city’s total case count in a week has come around the advent of another crisis – the potential eviction of hundreds of people from their homes and business for failure to pay rent. New data procured by UM professor Jeff Hearne shows that about 300 evictions were filed in Doral between March 12th and November 30th. Doral’s most populous zip-code, 33178, is among the top ten highest zip codes of filings. These numbers, which include commercial eviction filings, are demonstrative of the greater agency landlords will have over their properties as eviction moratoriums expire across Miami-Dade County (and Florida) at 12:00 A.M. ET on January 1st.

Of these 300 eviction filings, the Doralian estimates about 150 are residential evictions that are likely to be approved. The number of evictions is dwarfed by the number of households in the city, over 19,000, but the human cost will be enormous – around 500 Doralians will be forced to leave their homes and either find friends and family to live with or fall into homelessness within a city whose structure is especially hostile to their needs. Thousands of these evictions will be executed throughout Miami-Dade in just a few weeks, which will result in a concentrated surge of people flocking to Miami’s limited homeless shelters all at once. Landlords face the dilemma of evicting families and businesses as they too face mounting mortgage payments, a stagnant rental market, and no aid coming from the city, county, or state. More help from the federal government also seems unlikely, at least in the next two weeks. The latest stimulus bill passed by the House and stuck in the Senate seeks to address these issues among tenants and landlords with $25 billion in rental assistance, an extension on the eviction moratorium until January 31st, and of course the direct payments to adults. If you have any corrections, questions, and requests on the matter please DM. Thank you for supporting local news and please like, comment and share! Note: Professor Jeff Hearne’s data was collected from the Community Justice Project, who’s link will be temporarily posted in bio

[rileylawgroup-blog]

Riley Law Group PC

Grant Riley is a sophisticated, proactive, and aggressive attorney with 35 years of in-depth experience litigating complex real estate, banking, entertainment, partnership and personal injury disputes. Grant has been rated AV Preeminent® by Martindale-Hubbell (its highest rating) for 15 years straight and is a graduate of the University of California at Davis (B.A. 1979) and Southwestern University (J.D. 1984) where he graduated cum laude and was a staff editor of the Southwestern Law Review. Grant has been voted a “Super Lawyer” 10 years running by the Los Angeles legal community as published in Los Angeles Magazine.

Prior to forming Riley Law Group PC, Grant was a partner at Christensen White Miller Fink & Jacobs, a name partner of Weinhart & Riley, a name partner of Liner Yankelevitz Sunshine Weinhart Riley & Regenstreif and the managing partner of Frandzel Robins Bloom & Csato.

Grant’s business clients have included Bank of America, PetSmart, Inc., Dollar Tree, St. Paul Travelers Insurance Co., Target, Inc., Napa County, City of San Diego, Sonoma County, Packo Investments, Inc., H.K. Partners, LLC (developers in Koreatown and other Asian real estate markets), Wachovia Bank, World Savings Bank, Northern Trust Bank, City National Bank, Comerica Bank, Elite Airline Linen of New York, Inc. (the largest commercial airline laundry service in the United States), Familian Development, Inc. (a major developer in Las Vegas), Lanier, Trans-Atlantic Realty, Inc., Group Dynamics, Inc., Filmcore, Inc. and numerous national, regional, and local businesses.

Grant is admitted to practice before all California State Courts, including the United States District Courts for the Central and Southern Districts of California. This prestigious attorney has litigated business matters in California, Nevada, Florida, Ohio, Michigan and New York. Grant is a member of the State Bar of California and a past member of the State Bar of Nevada. He is a member of the Los Angeles County Bar Association and the Consumer Attorneys Association of Los Angeles.

Grant is admitted to practice before all California State Courts, including the United States District Courts for the Central and Southern Districts of California. This prestigious attorney has litigated business matters in California, Nevada, Florida, Ohio, Michigan and New York. Grant is a member of the State Bar of California and a past member of the State Bar of Nevada. He is a member of the Los Angeles County Bar Association and the Consumer Attorneys Association of Los Angeles.

When not working his tail off, Grant enjoys powder skiing, scuba diving, mountain biking and traveling.

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[lawofficeofryansshipp]

Eviction Services In Martin County, Florida - Law Office of Ryan S. Shipp, PLLC

Martin County Eviction Lawyers Are you a landlord facing tenant issues in Martin County, Florida? Do you require legal assistance with residential or commercial evictions? Look no further than Law Office of Ryan S. Shipp, PLLC. Our experienced team concentrates our practice in navigating the complexities of landlord-tenant law and ensuring swift and effective resolution of your eviction…

[commercialtenanteviction-blog]

Rental Laws for Commercial Landlords In Florida

Because of the effect of business on brick-and-mortar retail businesses, this does not reflect very well on the commercial landlords.   You will be headed towards a vehicle especially if you’re a tenant who cannot pay.   This kind of situation is definitely not the best and it has a lot of impact.   The amount of money that a business can lose or the landlords going to use is very high and there is no limit and that is the reason why, removal of the tenant before the problems begin is usually a better solution.   In Florida, there are a number of eviction laws and you really need to consider them and understand them so that you do not find yourself a lot of problems with eviction issues that are going to arise.   There are specific laws that are going to be related to tenant that has not been able to pay their lease and therefore, there are is going to be some financial trouble.   You will now be able to understand more about this topic because the information is going to be made available to you at any time.

 One of the things you notice is that there laws that are going to apply to the commercial properties is not the same as residential properties.   The person is not supposed to confuse these kinds of laws especially if they are the landlord in this case.   The level of stringent measures that are going to be taking when it comes to residential regions is usually much less as compared to other options.   Getting as much information as possible about this is the best solution at http://www.litigationadvocates.com.  

 The landlord always has the power to recover the damages and therefore, they can decide to do the position of the items that you have.  In addition to that, the landlords are also allowed to cover or to recover from the damages only.   The commercial landlord is also the person who can decide to process or even waive future rents that is going to be given.  The communications that are going to happen between the tenant and the landlord are also supposed to be defaulted.  Know about Litigation Advocates here!

 Another thing you notice is that you cannot do some self-help eviction, that is also another thing that is going to be prevented for commercial premises. Another you’ll notice is that a person who had sued the landlord for the rent can be able to get the rent again.   It is important for you to ensure that you have been able to deal with everything that is related to the commercial land. Visit this website at https://en.wikipedia.org/wiki/Personal_injury_lawyer for more info about lawyers.

[the-firebird69]

So a whole bunch of things going on but basically it's more or less the same old same old a bunch of haze in the asses through like to annoy people but we have news and it is excruciatingly important

-there is a big deal today with the garage to Tommy f and his company they are losing troops rapidly they are going away and it is going to be only a few more weeks just like the warlock I was in season made early this morning and it was made by the max and they are going after them and decided to hunt them down to the last one that's what they said and also going after all the more loss and every single one of them and they feel it must

-other items from the meeting they were held in contempt they said bye more locks and they're going to get them back for saying it for years and pulling them to things to pay usually do it is not legal they said and they are starting to enforce it they said and leaving people mumbling they said they're going to bring you into a huge huge day

-there is according to off there are in Southwest Florida probably 65% of the land that morlock owned left their possession this morning what is a noon at noon today lost it all and not much actually happened except people start moving into Google and to demolish probably half of them and renovate the other half from full gut to removing some fixtures to just minor repairs that's not a ton of work on a lot of them I know there's a lot of work these are mostly in fort Myers Cape Coral Tampa area Sarasota in Miami and really they're dilapidated they did horrible things in there they're they're nasty they didn't do any work and really they just stopped doing everything and they're gross they're about 20% of them that were evicted forcibly and the rest were not there they had vacated as a result

-and our daughter and son guest and they said no probably file for a lot more once he gets reactions to the verbiage down pat. And it's true they are obscene massively obscene and they were hurtful to themselves today very badly they repeated things hundreds of times and got the living s*** kicked out of them just like a few people here are going to like Lily that was annoying and then completely out to lunch there's no idea anything watch the really awful

-couple more things going on people are imitating his family and suck at it and they're being hunted down for it and hers too they're trying to copy them they get hit quite often

-a lot of minority workers coming in and they're doing tons of work and other people are sort of bothering them and it's not too bad and if they get harassed they call the police and we see it happen all day long.

-they are filing what about 20% more of the lands and it is a huge area right now very 65% of what they had and yes it would be 20% of what they had on top of it what 65% is a massive area it's probably three times the size of Miami and all of the surrounding counties it's gigantic. But right now they are acquiring the 20% and in court and now I'm told it's 30%. It is a lot that brings it to 95% of what they own and that includes strip malls and commercial buildings and factories housing and apartments hotels and small businesses even fast food restaurants they're going to lose everything the foreigners are going after it in the max because they used to own them and they're using what they used before no they are filing and petitioning for the land business or buildings and land together utilizing it's a law called disuse and they stopped using the structures stuff maintaining them and they have to stop maintaining them too around four or five years ago and they've been just sitting dilapidating and if it's a commercial structure or property and you don't have plans for it and you don't have proof that you have plans to renovate or to upgrade or remove or even sell it you will forfeit those lands that are in the public arena when it comes to homes these people have abandoned their homes and their mostly not going to live in them or rent them at any point and they admit it readily which is insanity and it'll just comendeer them.

-get 5,000 is a huge number of people who are standing around doing nothing all day long and it's painfully annoying it's bitterly annoying and they are vagrance and people are picking them up left and right and punta Gorda they're going after the crew that keeps on going after our son and harassing us and Hera was put out the order just now that she wants them in they're harassing him now and she wants some to be held in prison where they belong.

-30% additional is an enormous amount to happen all at once it's almost everything that they have left but 65% is gone is ginormous it happened only over a few weeks but they've been abandoning those areas and they're not even in most of the areas that are the 30%. There's just a small amount of them left so really they're acquiring places that they more or less abandoned. That remaining 5% is up near Tallahassee a little bit in Gainesville we'll see there's a lot in Orlando and Charlotte county some in fort Myers they're leaving there and he says good and that was their stronghold and it was and they also exiting Tampa Miami they still have a lot of people but they are not going to after today they are going to be pushed out so there's only a few areas they're in and they're not going to be there pretty soon we think after today and this weekend because they're going to start working on all these projects at least they're going to go in pull out all the brush and do some tree cutting and survey scan and they're going to notice where the idiots are you going to haul tons of them in and after a Time they will see where they're huddled and you'll see when you're coming in and out and they will be able to figure out how to stop them secondly it's going to happen all throughout the nation and the world right now they have abandoned probably 70% of their areas the exception of the West Coast. And someone's going by him touching their knife and some other assholes staring so a son stared him down and he's got money in his hand so the max are saying it they'll probably fall over and they'll be money there and her son will pick it up because of such f****** huge assholes to him but after the weekend they won't have any place to live and no place to hide and all around Earth it's going to start today I hear they have taken 60% in most areas and they're heading west. From Florida we here there are about 70% of the people that are here packing to leave. And that was BG he wants to have us put it out there it's fine I wouldn't do that for you BG you may get a kicked into your chest he smiles and says oh yeah yeah

Thor Freya

You know DG this has been a nightmare even halfway decent which is amazing cuz nobody lets anyone be a human being here but people are possessed and I know what happens it's nice for people to know who you are and know that you're doing it but don't ever do that again same with your fat ass friend are you going to have a flat head on the ground

Zues Hera

We do see what you're saying and there are other people here and it may sound mean but I don't think you can do that to me he says thinking is not a strong suit and you should probably not do that now I understand it we have done all this stuff we're losing everything and we keep doing it and it is stupid and it's one of our bosses and he's a f****** moron just walking by and you should fall over he's a f****** moron

Bg

[gardenshomemanagement]

Get Top-notch Property Management In Jupiter Island, Florida

The 48-story residential high-rise will contain 444 luxury rental units, eleven,650 sq. toes of retail/commercial area, and 181 parking areas. One with an outddor pool, great amount of green-space, fire pits and other luxuries. The second provides a extensive ranging view of the weekly fireworks over Lake Michigan. We apply these disciplines to both our personal and our institutional companions' accounts and portfolios.

We perceive that everyone needs a different degree of involvement in the management course of. This is why getting to know you is the key to a long run relationship. I actually have received exemplary service each time I even have used Luxury Property Care. I extremely recommend them for property management and associated services. Founded in West Palm Beach, Jilsa Management caters to the homeowners of multi-family houses, HOA’s, or condominium associations and provides grounds upkeep services among the many totally different South Florida communities.

All interested tenants endure a strict and thorough choice process the place we review their employment status, criminal data, credit score, rental historical past, and so home management services jupiter on. This provides us confidence that the tenant can pay their dues on time and treat your property with respect. Tenant screening ensures that only certified tenants get to get pleasure from your personal home.

It focuses on local real property management and handles lots of of properties in West Palm Beach, Orlando, and Jacksonville. The residential property management group invests in advertising, screening of tenants, and rental collection. It performs property assessments and inspections regularly, and in-house maintenance is performed by the company's most popular vendors. The employees are from the local home management services jupiter communities, so they're familiar with the management of local residential properties. InvestPro Properties Inc. is a property management firm that has virtually 20 years of experience, serving purchasers in West Palm Beach. It provides to promote listings through the radio, the internet, and referral packages to instantly refill spots.

It is household owned and operated, and hires professionals from a number of fields to create a well-rounded group. Their staff members can even manage lots of the technical particulars of property management by dealing home management services jupiter with messy situations such as evictions and legal quandaries, accounting and bookkeeping, and tenant screening. Jilsa Management operates around the West Palm Beach space, serving properties in Boca Raton, Deerfield Beach, Miami, and Fort Lauderdale.

[besttenantlawyer-blog]

Tips for Finding the Right Lawyer for Commercial Tenant Eviction

When you hear commercial tenant, you must think in the line of a tenant who is renting a structure for commercial reasons. If you are the owner of that property, you are eligible to rent it to any tenant of your choice provided that they are engaging in commercial activities. Whichever the case, this tenant should be responsible for anything that happens around and within that property. Now that it is this commercial tenant who was in charge of the building at the time when the fire occurred, it will be best if they cooperated and paid for the damages caused by the fire. Failure to do so, you will have to find justice and evict the commercial tenant with the aid of a commercial tenant eviction lawyer. Read this page and get the hints of choosing the most effective commercial tenant eviction lawyer. All of your question about tenant eviction will be answered when you follow the link.

The status of the commercial tenant eviction lawyer is one thing that you cannot assume when you want to entrust them with the duty of representing you in a court of law. Now that you will be in need of finding justice, you have to make sure you are working with a commercial tenant eviction lawyer that has clean records of success in their cases. Get attached to us now and learn some lesson about the commercial eviction florida.

To be evaluated when selecting the right commercial tenant eviction litigator is his/her knowledge and skills on handling the court cases which are on that line. The scope understanding of the laws that are related to this subject by the attorney should be investigated in the first step. Excellence in college is a must for the candidate who you will award the case. The reports on the qualification of the commercial tenant eviction attorney who you are to hire should prove that he/she has in the past times successfully handled eviction cases. Determine the best information about tenant law at https://www.huffpost.com/entry/is-your-landlord-breaking_b_10110146.

The third factor for assessment in the pick of the most exceptional commercial tenant eviction attorney is the terms of work he/she adopts. Knowing that you will need to settle several issues for the litigator to team up with you, you should find one who will assist you within your limits. The best ought to be offered by the commercial tenant eviction attorney despite the fact that you may not afford the amount he/she may charge. The right attorney to cooperate with is the one who is flexible on the various terms which you will need to sign the contract on. Assessing the minimum irreducible terms of the contract which the attorney works on will be a highlight of the best attorney relationship.

[doorrepairnearme-blog]

Garage Door Repair Near Me

Garage Door Repair in Fort Lauderdale from certified technicians

  Nowadays, progressively a lot more individuals are thinking about obtaining portal vehicle motorists for their entrances. You can be among them. It is because, in the condition, you have developed a barrier on your home, then purchasing expulsion operator is a deserving selection. There are some variables that you need to recognize before getting an entry driver so that you wind up obtaining just the relevant factor. Allow's have a look.

Among the essential things that you need to think about before acquiring expulsion, openers are that whether you have rolled, transforming or gliding and single or dual entries, the operators are different for each amongst the types. It is furthermore essential to learn the best weight and size of your listing before selecting garage door spring fixing to ensure that you can make the excellent decision of buying. It should have Garage Door Installation in Fort Lauderdale service when it is needed.

Considering these aspects will assist you in choosing the vehicle driver, which can open and closed expulsion quickly. Remember one factor that every driver has a unique ability of weight and length. So, before you get, review the information in the driver's make-ups from whom you have prepared to acquire. Never attempt to take care of. It can be a rueful selection progressively. To learn more and upgrade connect with Garage Door Repair in Fort Lauderdale solution specialists.

Automatic entry vehicle drivers can be found in various designs, each with its very own collection of functions. Modern tools like these are currently used in styles that no more need considerable location changes to the existing entryway framework. Residences and shopping malls have been recognized to make significant use of these entryway chauffeurs. The existence of swing arm motorists can do a great deal to establish a controlled complacency and authority within both the public and economic sectors.

With extensive training and preparation job, the armed police officer is prepared to satisfy any possible safety and protection threat and to protect the setting that they are significant to protect. The first part of an efficient lift setup is the area of the lift within the bay. It is an excellent suggestion to permit at the minimum an 18' Automobile; if you are dealing with the more substantial vehicle, you will need to take that right into element to take into account. Usually, a workbench or device box will continue to be in the front of the bay; this will certainly call for column location car chauffeurs.

Among the various automation systems easily provided on the market today, straight arm drivers attract attention for their serious versatility, appropriating for both residential and industrial usages, and their original features. Every piece is used with a hand-operated launch system that permits relocating eviction by hand, situations of power failing, and a back-up battery system, which is suitable totally for decreased voltage devices.

This will likely have the following:

- Screwdriver, hack saw, and hammer - Pliers, cable television cutter, and degree - Gauging tape - Drill and pierce littles - Electric outlet and wrenches

Garage Door Repair Near Me specialist is most excellent for safety and security and safety choices that require to be considered. Typically the major protection feature is an infrared light beam that will quit the door from closing if something continues to be in its training program. Some openers similarly have a function that transforms the signal each time the door is opened up, to stop messages from being gone across with bordering doors, and to stop undesirable intruders from getting to your message.

All garage openers feature a remote to operate it. Some have battery alternatives in the scenario of a power interruption. Great deals of moreover consisted of a keypad that can be connected to the beyond your residence, to assure that you can open and shut the door in this fashion. This would undoubtedly be available in useful if you were choosing a stroll, and did not desire to carry a house secret or garage door remote with you. When you return house, kind your code, and the garage will certainly open for you. It requires to have a brand-new garage door installation when it is called for.

There are many types of slide gateway drivers and track choices that a relocating entrance can leave. The gates move a range of different methods. The track might have a groove and wheels placed at the foot of the fence can quickly move along. Similarly, some entrances act comparable to trains and train tracks wherein there is a groove down the center of the wheel, maintaining it on the wheel track. When running, it is required to look after fingers and various other limbs as they may come to be captured within the moving components. Employ Florida Garage Door Company professional for a high-grade task.

Below ground motorists lack a doubt amongst one of the most noticeable systems selected by our customers; they are silent and pleasing to the eye; we developed both electromechanical and hydraulic types to new and existing entrances. A below ground swing entry motorist would be used to automate access where eviction leaves swing open; however, the drivers are not noticeable. Much like all our entryway automation, our over door automobile drivers are outstanding high quality with the greatest possible gateway safety and security as a requirement.

Numerous of the noticeable options of products that are utilized in looming garage portals are fiberglass, lumber, light-weight aluminum, or hardwood. Steel is furthermore a prominent and durable option for your expenditures garage doors. Nonetheless, steel doors are not very uncomplicated to fix and can be quickly dented. If you are seeking one of the most effective selection after that, find the garage door springtimes setting. Pick Commercial Garage Door Repair in Fort Lauderdale remedy that can be your ideal option.

Roll up garage door repair service are coming to be considerably added noticeable, as a result of the reality that electric power is costly and it's easier to stay free from running power to the placed entry electric motor. If you are preparing to purchase a solar slide entryway, there are several things you have to know. Considered that it's not a little financial investment, we are going to provide you some requirements to help you in making one of the most popular options. To identify that your home lorry is risk-free and protected, it is incredibly crucial that you spend for garage door setup for your garage that is simple to utilize, can secure your automobile from burglars and furthermore guarantee you a routine and gratifying feature for many years to find. Work with garage door contractor for even more pointer and recommendations.

Check Out The Website for getting more information related to Garage Door Installation in Fort Lauderdale.

[usefullegaladviceguide-blog]

Factors that You Should Consider to Find the Best Commercial Eviction Attorney

You find that eviction proceedings can be complex and technical. Why do I say that you will need to have a piece of full knowledge in some of the chapters that tackle commercial eviction.  Because of that you will have to seek the experience of commercial eviction attorney to maximize opportunities to obtain default judgments and other summary procedures. It is also essential to note that this is a unique area that warrants its own litigation strategy.  Here are some of the tips that will guide you in choosing the best commercial eviction attorney.To find out more about the commercial tenant eviction rights, click on this page.

To find the best lawyer, you will have to know the number of years they have been operating. One thing that you will have to do is to look for a commercial eviction attorney that for many years has successfully handled cases involving commercial eviction. It is essential to note that such lawyers are the best because of their ability to formulate better strategies for litigating actions for possession quickly and efficiently.  The best part of this is that you will be sure that you will get the keys back faster because they know what they are supposed to do. This will require you to go through their collection so that you can know the time they have been in the field and the cases they had solved.

Besides, you should also consider awards and certifications.  Honestly, being awarded or recognized as the best attorney can be translated to many successful such cases that you had handled in the past. For that matter, you will have to make sure that the attorney that you are about to hire has some awards of the service and has been approved to handle commercial eviction cases.

Apart from that, you should ask for their testimonials. The mistake that you should not make is to hire a lawyer with no testimonials which shows a lack of experience. In this case, you will have to read the testimonies carefully so that you can know what the past clients feel about the services of the eviction attorney.  The best eviction attorney that you should hire is the one who has many positive testimonies which is a reflection of comfortable clients. Besides, you should also make sure that you read the reviews that were left by their past clients so that were left by their past customers.

Lastly, you should check their working hours.  Here you are supposed to go with a conviction attorney who will be available 24/7 and has a website such as: http://www.litigationadvocates.com/2019/04/10/what-to-look-for-when-hiring-business-litigation-lawyers-in-florida/.  One thing that you should be aware of is that you can never know when you will need the services of commercial eviction attorney which sometimes can be past normal working hours.

For additional details,click on this link: https://en.wikipedia.org/wiki/Landlord_harassment.