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Hi, Mortgage is all paid off. Resident and owner since 1985 in this house. 1997-8 taxes , interest and fees due:$1451 . Tax lien by City scheduled to foreclose Dec, 17, 1999. 1998-9 taxes $2300 (approx.) LIened this past June, scheduled to foreclose in Dec, 2000. 1999-0 taxes $2,300 (approx.) First 50% overdue since September. The 97-98 taxes each year are due in September (50%), and in the following March (50%), and must be paid by June to avoid lien.. Liens foreclose 18 months later. Sewer bypass fees approx 150/yr. Lien for $150 scheduled to foreclose in February, 2000. City has just proposed, if I agree to their conditions, to stop all sewer bypass charges beginning with 1997. THese are callled "Portland Availability" on the Water District bills. A City Councillor called me today (Kane) and is talking of a deal.(reduction). The Maine Human Rights Commission vote on Dec. 13th, IF it indicates discrimination or illegal statements by the City lawyers, may force a much better deal . No savings, Just monthly checking account. Medicaid caps income/mo at approx. $708 max. Income is SSDI $687/mo x 12 = $8300/yr (approx). Ivan :-) On Sun, 21 Nov 1999 21:14:43 EST Paul Lauer <[log in to unmask]> writes: >Ivan or anyone: I don't quite understand what action is taking place. >I'm not >an attorney but I understand a little about mortgagees and taxes and >their >delinquencies and consequences thereof. Mortgages get foreclosed. But >lenders >hold mortgages, not cities, so if the city is involved in the action >it seems >to me it can't be a foreclosure. Cities are involved in taxes. As best >I >know, cities create liens when taxes are unpaid and then sell the >liens at >public auctions to private individuals who then become (in effect) >lenders >and are entitled to foreclose and take the property if the lien debt >is not >paid. Neither of these two scenarios occur overnight. How long has >this been >going on. If the debt is a tax lien, is the city foreclosing. For what >years >are the taxes delinquent and how much each year. Also, even after a >foreclosure or a tax lien sale, the debtor still has a period of time >subsequent (usually 30 days) to redeem, meaning he/she can still pay >off the >debt and not lose the property. think those of us with even some >little >knowledge could give better advice if the story came through a little >clearer >with more facts and less emotion (sorry Ivan - but facts help >understanding >more) > >Paul H. Lauer ^^^^^^ WARM GREETINGS FROM ^^^^^^^^^^^^ :-) Ivan Suzman 49/39/36 [log in to unmask] :-) Portland, Maine land of lighthouses deg. F :-) ********************************************************************