Tax Lien – Monster Beats Kopfhorerde Mon, 01 Aug 2022 01:00:02 +0000 en-US hourly 1 Tax Lien – Monster Beats Kopfhorerde 32 32 Allen Iverson pays $600,000 just to get off the hook Mon, 01 Aug 2022 01:00:02 +0000

Allen Iverson has struggled with money before, but after paying off $600,000, he seems to be a little freer when it comes to how much he owes.

The 6-foot 76ers guard is one of the greatest players in NBA history to never win a championship ring. He tried many times and he was on some teams that really came close, but he never captured that elusive dream.

Iverson’s vintage move was his crossover. He regularly destroyed opponents with his crisp grips, and the only player who came close to his level of ball handling was Kyrie Irving. Iverson even got the great Michael Jordan with his move.

Iverson’s other vintage moment came in the 2001 NBA Finals when he shot Tyronn Lue and then stepped over him. The blow came in a massive upset win over the Kobe-Shaq Lakers, and even though the 76ers ultimately lost the series 4-1, the moment goes down in history.

Read also : Shaquille O’Neal shaved 50lbs off pandemic weight with 4 workouts a week

Allen Iverson pays off $600,000 in debt

In 2019, Iverson made headlines for getting in trouble with the US government over tax-related issues. The IRS filed a tax lien against Iverson.

Former NBA star owed $616,068.60 in back taxes, according to IRS report. Iverson had to pay $44,418.88 for 2010 and another whopping $571,649.72 for 2011.

However, Iverson repaid the amount in 2019 and was therefore exempt from the tax lien. This only partially set him back. Iverson still has a lot to pay back for years to come.

In September 2019, Iverson was hit with another tax lien that he owed $25,643.12 for 2012 and $174,465.25, bringing his total outstanding amount to $200,108.37. He was also fined $44,000 in additional interest and $27,000 in late payment penalties.

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Libel lawsuit filed against Camden Commissioner-elect Sat, 30 Jul 2022 09:19:00 +0000

July 30 – Camden County Administrator Steve Howard sues one of his future bosses, Camden County Commissioner-elect Jim Goodman.

Goodman, currently a St. Marys City Councilman, won the Republican primary election for the Camden County commission and faced no opposition in the November election.

Goodman ran a weekly advertisement in May criticizing Howard for his lack of oversight as Public Service Authority finances were plundered by former Camden PSA director William Brunson for 15 years.

Brunson was fired after the Internal Revenue Service filed a lien against the PSA for $1.5 million, and about $500,000 of the sales tax money on special purpose local options was spent for projects not on the approved list. After the problems emerged, county officials contacted the Georgia Bureau of Investigation.

Brunson used a Camden County PSA credit card for personal use, including the purchase of vintage cars and auto parts. He was sentenced in 2020 to a 32-month term in federal prison, ordered to pay $677,768.40 in restitution and serve three years of supervised release after his prison term ended.

After the announcement was published, Howard contacted Goodman to request a correction.

The PSA Board of Directors is made up of the mayors of Kingsland, St. Marys and Woodbine, as well as two county commissioners.

Howard had nothing to do with overseeing PSA’s board or its finances until the thefts were discovered in 2018 and he asked staff to look into PSA’s finances.

Following this review of PSA finances, it was later discovered that Camden County Chief Financial Officer Mike Fender and his wife had received two payments of $32,000 without any documentation explaining how the money would be used. . Fender was then fired.

Howard gave Goodman a week to recant, but he did not, resulting in the lawsuit.

“The defendant’s actions show willful misconduct, malice, fraud, gratuitousness, oppression or any such lack of care that would raise the presumption of knowing disregard of consequences,” according to the lawsuit.

On Friday, Goodman said he could only confirm that he had been sued by Howard and was in the process of finding an attorney to represent him.

Marilyn Mosby’s first loss to Baltimore is the culmination of 8 years of attacks and missteps – Baltimore Sun Sun, 24 Jul 2022 00:12:54 +0000

In 2014, Baltimore residents, frustrated by violent crime, elected a 34-year-old insurance attorney who had never tried a homicide or rape case to be the city’s top prosecutor.

Eight years and more than 2,500 homicides later, Democratic voters in the city ousted Marilyn Mosby as Baltimore state’s attorney, choosing defense attorney Ivan Bates in Tuesday’s primary.

Mosby’s campaign declined a request for an interview. In a statement, Mosby conceded and said she called Bates on Saturday morning to congratulate him.

“I am grateful to my family and my colleagues in the State’s Attorney’s Office for their commitment to our city and all of their hard work on behalf of the citizens of Baltimore,” Mosby said. “We have so much to be proud of and I am forever indebted to so many people for their love, support and partnership over the past eight years.”

His tenure was polarizing and will be remembered for his progressive police prosecution and prosecution policies as much as investigations into his conduct. There is a litany of reasons why individual voters chose not to nominate Mosby for a third term, but supporters and critics have pointed to his frayed relationships with other city and state agencies, an inability to reduce violent crime and perceived vindictiveness toward those who disagreed with her.

The fact that she is under federal indictment has also hurt her campaign, supporters said. Mosby was charged in January with two counts of perjury and mortgage fraud; she denied the allegations.

“I hope no official ever has to go through what Marilyn went through because there is so much a human being can go through before it starts to have a negative effect on your performance, your attitude” said William H. “Billy” Murphy, a prominent criminal defense attorney and Mosby supporter, of the criticism Mosby faced throughout his tenure.

“It all piled up,” he said.

Early in her tenure as state’s attorney, Mosby clashed with the Baltimore Police Department. In 2015, she made national headlines when she announced that her office was charging the six officers involved in the death of Freddie Gray, a 25-year-old man from Sandtown-Winchester in West Baltimore. None of the officers have been convicted, and the Baltimore City Fraternal Order of Police, the police union, has attacked her several times since then.

His prosecution policies, in particular a decision to stop prosecuting for simple drug possession, prostitution and trespassing, have been praised by progressive pundits and lambasted by the city’s business community and the FOP. The prosecution of petty offenses disproportionately impacts poor and black people, and Mosby has sought to address systemic inequalities in the criminal justice system.

“The white community hasn’t supported Marilyn, for the most part, since her tenure began,” Murphy said.

Some took issue less with the substance of the policy change than the way it was rolled out. Former prosecutors told the Baltimore Sun in June that they were regularly briefed on developments in the office by the media, rather than by Mosby herself. Police Commissioner Michael Harrison also said Mosby did not tell him in advance that his office would no longer prosecute drug possession.

His 2014 primary victory, a shock upset against incumbent Gregg Bernstein, was the product of an aggressive and grassroots campaign focused on reducing crime in the city. Living in the Reservoir Hill community in West Baltimore, she endeared herself to a voting base of working-class black voters who were fed up with what was happening in their neighborhoods.

“When you live in West Baltimore and crime is rampant in your community, you become outraged,” Mosby told The Sun at the time.

But homicides have skyrocketed under his tenure. In 2014, Bernstein’s last full year in office, Baltimore recorded 211 homicides. There have been 202 homicides in the city so far this year, and each year of Mosby’s tenure, the city has topped 300 homicides.

And as the killings continued, Mosby’s office deteriorated. As of 2018, more than 200 prosecutors worked there, according to city payroll records. In June, the staff numbered less than 140 prosecutors. His administration cited the COVID-19 pandemic and wages as reasons people left. By contrast, former lawyers told The Sun in June that grueling hours, a heavy workload and low morale drove them away. Additionally, staffing levels were so low they likely posed a threat to public safety, they said.

Like Mosby in 2014, Bates and Thiru Vignarajah, the third candidate in Tuesday’s primary, have pledged to reduce violent crime as part of their campaigns. With Bates likely to be elected to the post in November — Baltimore has elected a Democrat as state’s attorney every year since 1920 — the pressure will be on for him to deliver on his promises.

But Mosby supporters are skeptical of a prosecutor’s ability to drive down murder rates.

“A lot of criticism of a prosecutor is unfair because prosecutors can’t prosecute if the police don’t do the business,” Murphy said.

“If the police are on the job, and there’s plenty of evidence of that because arrests are down, what are they going to do now?” Murphy said. “Are they going to start making arrests because we have a new prosecutor? I hope they will.

The department remains under a federal consent decree established in 2017 after a U.S. Justice Department investigation found an unconstitutional policing pattern — particularly in poor, predominantly Black neighborhoods.

Warren Brown, Mosby’s campaign supporter and defense attorney, said people who got sick of Mosby and backed Bates are likely to grow impatient with him afterwards.

“When things don’t change, you have to throw that anger somewhere,” Brown said.

The federal case against her has cast a shadow of uncertainty over her campaign, limiting her ability to raise funds and enlist support from her usual base, supporters said.

Prosecutors, in court papers, say Mosby lied about his financial situation to make early withdrawals from his retirement account to buy two vacation homes in Florida: an eight-bedroom home near Disney World and a condo on the gulf coast of the state. Prosecutors also say she lied about mortgage applications about where she lived, her plans for the Disney home and about a tax lien the IRS placed on her and her husband, the board chairman. Municipal Democrat Nick Mosby. He is not accused of anything.

Marilyn Mosby has vowed to vigorously fight the charges. His trial is scheduled for September 19.

“It reduced publicity,” Brown said. “You had a lot of people who were hesitant to come out and express their support because they don’t want to be in the crosshairs of the federal government. Add to that the bad feelings about her husband’s power dynamics as city council president – ​​people don’t like that.

Bates and Vignarajah, a former prosecutor, significantly outperformed Mosby throughout the election.

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What Mosby had was an ability to relate to everyday black Baltimoreans in communities most affected by gun violence. She regularly made overtures to members of these communities at press conferences, community meetings and on social media, promising to fight for them.

East Baltimore resident Jessica Waters, 30, volunteered for Mosby’s campaign after establishing a personal connection with the state’s attorney. Waters said Mosby contacted her after saving a child from a burning house. Waters said Mosby’s efforts to positively influence the city’s youth were valiant. Mosby regularly organized events for children and teenagers.

“Having someone like Marilyn Mosby who can lead these young people and teach them different things, I feel like it takes away from crime,” Waters said.

Mosby remains popular on social media and receives regular messages of support from his followers.

Kelly Davis is arguably Mosby’s biggest critic, and even she acknowledges Mosby’s political skills. Mosby’s office attempts to try Davis’ husband, Keith Davis, for murder for the fifth time. Mosby once gave the middle finger to a Keith Davis supporter and later denied doing it, despite being caught on camera.

“She’s so good at making you think she’s a figure you can relate to,” Davis said. “She’s a masterful politician, I just don’t think she’s a very good prosecutor.”

Baltimore Sun reporter Alex Mann contributed to this article.

What does “redlining” in 1940s Chicago have to do with the city’s current black exodus? Many, a new study suggests Wed, 20 Jul 2022 09:00:00 +0000

CHICAGO — Vacant and derelict properties clustered on the south and west sides of Chicago and in the southern suburbs have been a stubborn problem for decades. Every two years, the Cook County Treasurer tries to return these properties to productive use in his biennial Delinquent Tax Recovery Sale, often with little luck.

A new analysis from a team in Treasurer Maria Pappas’ office has set out to find out why. Their answer: Federal “redlining” maps that sanctioned discriminatory lending policies in the late 1940s were strongly correlated with vacant and derelict property sites today.

The report, “Maps of Inequality: From Redlining to Urban Decay and the Black Exodus”, argues that these underlined maps “triggered urban decay and fueled a continued exodus of black people from Chicago and other major American cities”, including Detroit and Philadelphia. The policy has led to “vast swaths of vacant land, abandoned homes, and closed businesses in minority neighborhoods” that existing tax laws and county programs do little to significantly address.

A March 2021 study from the University of Chicago’s Harris School of Public Policy found that since 2007, only 7% of all properties involved in the county treasure sale have successfully returned to the private market. Meanwhile, the number of lots, homes and businesses on salvage listings has increased sevenfold, from around 4,000 in 2007 to more than 28,000 in 2019.

The study published on Tuesday on the local impact of redlining – the systematic refusal of housing loans in minority neighborhoods on the grounds that they were a bad risk – took almost a year to set up, with the help of of nearly a dozen people from the treasurer’s office. .

LaDale Winling, an associate professor of history at Virginia Tech who focuses on American urban and political history, including redlining, said the study “is a responsible and evocative way to illustrate that these processes and inequalities do not are not accidental, they don’t happen by chance , but in fact, they come about as a result of a long history of political steps and actions that, frankly, an office like the Cook County Treasurer should be reflecting on and think, “How can we account for this?”

Properties come on the scavenger block when they have three or more years of unpaid taxes over the previous two decades. Private buyers can then make offers to acquire tax liens on these properties. If the original owner fails to pay the taxes they owe – plus county interest charges that accrue each month and possibly more if a private bidder purchases a lien on those taxes – the bidder may possibly become an owner.

Pappas criticized the effectiveness of the treasure sale for some time. But as a result of this study, she is proposing to eliminate the sale altogether and put in place a new system which she says would put these properties back on the tax rolls and make them more productive in a faster and more fairer.

The study overlaid more than 27,000 distressed properties at risk of being sold due to overdue taxes on top of the 1940 “safety” card made by the federal Home Owners’ Loan Corp., or HOLC. Just over half of the troubled properties fell within the color-coded boundaries of the 1940 map.

HOLC, which no longer exists, compiled maps that ranked mortgage prospects in cities across the country. The red zones were deemed “unsafe”, due to declining homeownership rates, poor housing conditions and an “undesirable population”. The yellow areas were in “decline” in part because they faced “infiltration from a lower level population”. Blue and green were “still desirable” and “better”, respectively. HOLC reports specifically referenced the presence of black, Jewish and non-English speaking people in the neighborhood as contributors to its undesirability.

Just because an area has been demarcated does not mean an individual has been rejected or refused for a mortgage, Winling pointed out, but the maps “gave the tools and changed the rules of the game” for private institutions like lenders, real estate appraisers and real estate agencies. real estate agents to systematically discriminate.

Of the current scavenger-sale properties that overlapped HOLC maps, Pappas’s study found that nearly all were in areas deemed undesirable by HOLC: 57% were in areas mapped in red and 40% in yellow.

The Treasurer’s Office tested the same hypothesis with about 8,500 City of Chicago-owned distressed properties and found that 98% were in areas outlined in red or yellow. The same was true for 96% of the 5,600 properties owned by the Cook County Land Bank. Some areas, including suburban Cook County, were rural at the time and not included in the HOLC map. But of the salvage properties included in the 2022 sale, 93% were in majority black and/or Latino areas.

“Perhaps the fundamental discriminatory idea behind redlining and the work of HOLC is that officials believed where African Americans lived there was an inherent risk of declining property values, Winling said. “Black-owned land was simply worth less and should be treated as such.”

When black families moved to areas that weren’t mapped by HOLC like the southern suburbs, “they faced the same kind of ideology, structures of inequality and denial of supports and services, etc. “Winling said.

These HOLC cards were precursors to other unfair lending and housing practices, says Hal Dardick, director of research at the Treasurer’s Office.

“You can look at other work and see how redlining led to sales under contract, how it was made worse by segregation and racial exclusion pacts in areas deemed better. Then when these things were banned – mainly in 1968 with the Fair Housing Act – other things took their place: subprime mortgages, regressive taxation and the undervaluation of real estate appraisals so many people in these communities cannot get enough loans to buy a house. … All of these things stem from when the federal government sanctioned redlining.

To test their hypothesis, the Treasurer’s Office team conducted a similar analysis of Detroit, where distressed properties are largely owned by the city’s land bank authority. They found that 85% of them were in areas bordered by red and yellow. Given Detroit’s steep population loss, however, it’s “more likely that a home anywhere in Detroit will be vacant, abandoned, or seriously tax delinquent,” according to the report.

In Philadelphia, where the city’s housing development corporation has distressed properties, about 82% fell into the red-delineated areas and 15.5% fell into the yellow-delineated areas, according to the analysis.

Pappas says the history of discriminatory lending has not only led to an exodus and likely exacerbates crime, but also hurts other taxpayers. When a property owner fails to pay, it increases the burden on everyone else in the county. Pappas says she wants to work with the city, the county land bank, the governor’s office and the state legislature to fix it.

“It’s a problem of ‘us’, and we have to work on it, because if we don’t, (the tax rates of) people who already pay taxes will go up because we haven’t solved the problem. abandonment problem,” Papas says.

The study makes 13 recommendations for reforms at the state and county levels. State lawmakers are expected to approve making the treasure sale optional in Cook County, rather than mandatory. Pappas recommends reducing the redemption period for scavenger-eligible properties from 2.5 years to one year. This would require an amendment to the state constitution.

She also proposes halving the interest rate charged on overdue property taxes, from 18% per year to 9%, and letting landlords make partial lien payments against their property, rather than a lump sum. . The reforms would not come without a cost: If that interest rate were reduced for the first 13 months of delinquency, the county would lose about $30 million in tax revenue, Dardick said.

She also proposes that Cook switch to a model that nearly every other county in Illinois uses: a trustee program.

This is where counties get tax liens on unsold properties during their annual tax sales. If the owner ends up paying their overdue bills, penalties and fees, the money is distributed to the various county tax agencies. If the owner does not pay, the trust acquires the title, releases it from all liens and attempts to find a new owner through an auction, sale or giveaway. Proceeds from these sales would also go to various tax agencies.

It would be complicated for Cook, the report concedes, “because tens of thousands of properties can go without bidding at tax sales held each year.”


Marilyn Mosby’s expert witness in criminal trial has already been asked about his charge – Baltimore Sun Mon, 18 Jul 2022 20:06:47 +0000

An expert witness who Baltimore State Attorney Marilyn Mosby hired to help defend her in her upcoming trial for perjury and mortgage fraud previously called her actions “pretty stupid.”

Mosby’s attorneys plan to call Eric Forster, a California-based professional mortgage fraud witness, to provide insight into the two-term Democrats’ purchase of two Florida homes in 2020, according to court filings. . The defense expects him to testify that lenders should have looked more carefully at Mosby’s mortgage applications.

Federal prosecutors are seeking to block Forster and another witness, Marcia Wagner, from testifying. Prosecutors are also asking the defense to provide more information about Mosby’s third witness, forensic accountant Jerome Schmitt.

The government is paying Mosby’s witnesses, at least in part, after a judge found she probably couldn’t pay them. The testimony of an expert witness can cost upwards of $10,000. His trial is scheduled for September 19.

In return, Mosby’s defense team, led by attorney A. Scott Bolden, filed motions to stop the government from calling its witnesses: an FBI accountant and an IRS agent who are supposed to be speaking of its finances.

Bolden, in court documents, asks U.S. District Court Judge Lydia Kay Griggsby to bar those witnesses because Bolden claims prosecutors failed to properly disclose their expert testimony.

The city’s attorney-elect is charged with two counts of perjury and two counts of misrepresenting loan applications. Publicly available documents suggest Mosby deceived her lenders about her finances and plans for two Florida homes she bought — an eight-bedroom rental near Disney World and a condo on the Gulf Coast. The reason people do this, according to several experts, is to get more favorable loan terms.

In a March interview with The Baltimore Sun, Forster discussed Mosby’s indictment at length, saying his alleged scheme to save on interest and down payments was commonplace. Forster did not respond to a request for comment Monday afternoon.

“I didn’t see anything very clever from him,” he said in March. “Actually, I’ve seen a number of pretty stupid things. But the thing is, I’ve seen people do it all the time.

Prosecutors, in court filings, said Forster’s proposed testimony would be too technical and “any probative value it may have is outweighed by the risk that it will confuse the jury and waste their time.” .

When Mosby bought the home near Disney World, she signed a document promising she wouldn’t hire a management company or rent it out for at least a year, according to publicly available mortgage filings. Mortgages for investment homes are generally more expensive, with banks issuing higher interest rates and requiring a 20% down payment compared to the 10% required for second homes.

However, prosecutors say a week before the closing, Mosby signed a contract with a management company, giving him control over the rental of the house, a breach of his mortgage terms.

“When you sign a loan application, just above your signature, there is this verbiage that you certify that all of the above is true and correct and that bad things can happen to you if you defraud the lender,” said said Foster. “Obviously she knew it.”

Many people who lie about a vacation home that’s an investment property aren’t caught because federal prosecutors can’t track the number of mortgage fraud complaints sent to them, Forster said.

“If it was Joe Schmo, there wouldn’t have been an indictment here,” Forster said of the vacation home deal.

Mosby and her attorneys previously sought to have the indictment against her dismissed on the grounds of prosecutorial vindictiveness. They argued that the charges, which they claimed were unique, were solely the product of federal prosecutors’ prejudice for Mosby and his politics as state’s attorney. The government has vehemently denied these allegations; Griggsby denied the defense request, saying it was problematic.

In addition to Mosby’s alleged indiscretions related to the so-called ‘second home jumper,’ federal prosecutors say she lied about her debts on the mortgage application for the Kissimmee home, hence the need of the IRS officer and the FBI accountant at trial.

At the time of her application, Mosby had a $45,000 federal tax lien against her and her husband. Marilyn Mosby claimed she was unaware of the privilege because her husband, Baltimore Democratic City Council Speaker Nick Mosby, was handling their taxes.

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Mosby’s defense team offers Wagner, an employee pension lawyer, to be an expert on the CARES Act and Mosby’s pension withdrawals. The government wants her excluded because the presiding judge is the only person supposed to tell jurors how to apply the law.

Mosby used the money she withdrew from her city retirement account, about $90,000, to buy the homes in Florida, the indictment alleges. Under the CARES Act, the first pandemic relief bill, Congress allowed government employees to make early withdrawals from their retirement accounts if they claimed – under penalty of perjury – that if they had suffered negative financial consequences as a result of the coronavirus or if a business they owned lost money.

Prosecutors say Mosby suffered no such financial hardship in 2020 when she made the withdrawals, pointing out that her salary actually increased from the previous year.

Mosby’s defense did not provide a concrete explanation for the withdrawals and filed a motion seeking to block prosecutors from telling a jury how Mosby spent the money she withdrew from her retirement account.

The decision to spend the money in deposits on vacation homes is irrelevant to the case, Bolden wrote, and would only serve to paint Mosby in a bad light for jurors.

Griggsby is expected to rule on all motions in Mosby’s trial on September 14.

Baltimore Sun reporter Giacomo Bologna contributed to this article.

“This is where I die.” Sat, 16 Jul 2022 22:06:01 +0000

Larry Davis knows where he wants to die. It is on the land where he has lived since 1963 on Salisbury Road in Franklin. The house he grew up in is on the right, a yellow raised ranch where his brother now lives. Davis lives in a converted garage to the left of the property. It’s small, but he says that’s all he needs.

Davis, 69, grew up in Franklin doing tours of Daniel Webster’s birthplace in Franklin for 25 cents an hour. He remembers where he was when John F. Kennedy died. He was in CM1, sitting in this yellow house.

But financial difficulties continue to jeopardize the retired stonemason’s future. He is one of hundreds living in the state’s smallest city well below the poverty line. He owns his house, but he is on the verge of homelessness.

“It’s the end of my life,” Davis said. “I think it’s beautiful. It’s a nice place to live and I like living here.”

In 2016, Davis nearly lost her home — the two-acre lot is valued at $66,500 and the house at $26,800 — as unpaid property taxes piled up. After the Monitor wrote about the possibility of the city of Franklin taking his house and auctioning it off, an unnamed couple paid Davis’ back taxes and put money aside for future payments.

It was five years ago. Now Davis is behind on taxes again.

Twice a year, Franklin sends property tax bills. Davis missed his first payment, which was due in July. He owes the city $590.95.

Although Davis is not yet in danger of losing his home, as the process for the city to foreclose on the property does not begin until three years after a missed payment, for each remaining day it earns interest. Currently, the interest rate in Franklin is 8%.

If his bill remains unpaid next year, the city can place a lien on his home, which will incur additional charges on top of his mounting debt.

Davis doesn’t work, and he hasn’t worked since he was a stonecutter. Previously, he was able to build an entire house, from the chimney to the electrical wiring, in three months, he said. The only thing he couldn’t do was install the plumbing.

Now, with his declining health, Davis is housebound. He does not drive and does not have access to a car.

With no savings, he lives on $358 a month from social security contributions, which means his annual income is less than $5,000 a year.

In Franklin, the median annual non-family household income is low for Merrimack County at $29,506, according to the U.S. Census. This equates to $2,458.83 per month.

“I’m poor. I’ve lived a fun life,” Davis said. “And I haven’t saved my money like you’re supposed to for retirement.”

Calculating his income as an hourly wage reveals that Davis would earn about $2 an hour. His income is well below the Merrimack County living wage, which is $16.98 for a childless adult in the greater Concord area, according to the Massachusetts Institute of Technology calculator.

In Franklin, about 6% of the city’s 8,700 residents live below the poverty line like Davis.

Although he receives help with some expenses, he barely has enough money to maintain his house. His property taxes are $76 per month, which works out to $912 per year.

He first bought his neighbor’s garage for $14,900. He remembers that she was moving and offered him the land. At the time, he had money.

Gradually he turned the garage into a house, but it had no running water until last year. A state program installed a well for him in April. He was listening to the radio one day when an ad for the show came on.

Before the well, Davis collected rainwater or waited for the snow to melt on his roof in the winter.

He hopes the county’s Community Action Program will help protect his home from the elements this fall. Instead of using his wood stove, he will heat the building with propane. After breaking his leg chopping wood, it’s too much for him to manage to lug all the logs around. He is grateful for any help he receives.

“So, you know, I’m blessed by the state,” he said.

The Community Action Program provides services that help seniors and low-income people remain financially independent in their community. Services range from childcare to food assistance and rental programs.

The Fuel Assistance Program distributed $3 million in home heating assistance last winter for nearly 3,000 homes in Merrimack County, including 331 in Franklin.

In a way, Davis sees the help he receives as good karma. Throughout his life, he did a variety of free projects for others, he said.

“I still do a lot of free stuff for people. And I have always been in my life,” he said. “I guess I must have done something right.”

Despite his luck and help from the government, Davis doesn’t know how he will make enough money to pay his taxes.

He thought of selling some of his old carpentry tools. They sit in sheds on his property, untouched.

For the past few years, he has been growing a variety of vegetables in front of his house – selling some and donating others. He hasn’t felt strong enough to garden this season. He hopes to replant next year.

He has no intention of leaving. The ashes of nine of his friends and family were strewn on his property. He wants to be number 10.

“My father died there in his house and that’s where I die,” he said. “I like being here.”

Township of Liverpool. Discusses Harmful Properties and Additional Police Fee | News, Sports, Jobs Fri, 15 Jul 2022 06:02:12 +0000

LACROFT – Nuisance dominated much of the discussion on Tuesday afternoon, when Liverpool Township administrators recently met.

The three trustees – Dennis Giambroni, Mike Bahen and Keith Burke – were on hand for discussions regarding nuisance properties throughout the township as well as a proposed additional police tax, which would contribute to the increased costs of service operations township police.

Administrators had received numerous complaints from residents about zoning issues, such as tall grass and unwanted vehicles, and assigned the matter to Assistant County Attorney Bret Hartup. He had sent them various emails of information, including sections of the Ohio Revised Code on the matter as well as sample letters and legislation. Tax officer Shirley Flati transferred the documents to township letterhead for use by officials.

Under Ohio’s revised code, if the unwanted motor vehicle is on public property, it can be removed immediately. However, if on private property, trustees must provide 14 days by certified letter after serving the individual with written notice to all owners or lien holders of the land in question. Then, after the two weeks have elapsed, the council can remove the vehicle and seize any costs incurred as a lien on the land in question.

On the issue of tall grass, Hartup said in a letter written Thursday, July 7, Ohio’s revised code does not distinguish between land with a residence or whether it is in a zoned area or not. “Thus, all ‘township land’ is subject to ORC 505.86(A)”, he explains, adding that a nuisance is “a very high level to reach” vis-à-vis vegetation and waste. Again, the 14 day period applies here with private property and the trustees can pass a resolution, allowing them to remedy the situation and affix the costs to the owner.

He suggested that administrators put a resolution on the books clearly setting boundaries, such as no grass exceeding four inches in height before the zoning violation takes place in zoned areas and establish an enforcement protocol. .

In another action, Flati also announced that the township is expected to receive its second American Rescue Plan Act payment by Friday, July 15; Buckeye Water District’s consumer confidence report for this year; notification that the Internal Revenue Service has increased mileage rates for the remainder of the year to 62.5 cents per mile; and an email from the Columbiana County Auditor’s office regarding certification of their police levy.

With regard to the police levy, County Auditor Nancy Milliken estimates that Liverpool Township’s current tax assessment and the amount of revenue that would be produced by two factories to levy a levy outside the 10 million limit for the police department would be $126,600. . The township is asking for an additional ongoing levy, which would cost the owner of a $50,000 home $35.

Police Chief Jared Kinemond told trustees that patrolman Beau Tatgenhorst had received a set of new tires on his cruiser and was currently working on a grant that would help cover recently completed training. He also announced new information regarding the status of the School Resource Officer’s contract, which East Liverpool School Board expects to vote on at the end of the month.

In the absence of Fire Chief Dave Ward, Administrator Mike Bahen provides an update on recent purchases, adding that the department expects its new fire trucks to arrive in August and has retired the two oldest. which he removes from the fleet for sale. He also used the recently received state fire marshal grant to purchase supplies worth $12,160.

Administrators also accepted the road service report, which included a suggestion from road foreman Chris Bosworth that chip and seal mileage was reduced from 6.38 miles to 3.50 miles due to increased traffic. costs. The trustees approved the move.

Trustees also raised prices for township cemeteries, which were well below those of similar facilities in the area, and paid $53,743.60 in warrants. They will then meet at 3 p.m. on Tuesday July 26 in the administrative building of the municipality.

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How to sell your car when you still have a loan | Personal loans and advice Wed, 13 Jul 2022 19:40:13 +0000

You can sell a car even if you still have a loan, but there will be a few extra steps in the process.

“When there’s a loan on the car, it means your lender owns and has title to it,” says Grant Feek, CEO of Tred, an online peer-to-peer auto marketplace. “You have to be the legal owner to sell the car, which means paying off the loan and having the title transferred to you.”

To do this, you need to know the value of your vehicle and the loan repayment amount. You can then use the current market value of your car to determine how much equity you have, and you’ll also need to decide whether it’s best to sell to a dealer or privately.

Here are the steps to sell a car with a loan.

Step One: Know What Your Car Is Worth

There are many online resources that can help you do this, such as Kelley Blue Book and Edmunds. To get an estimate of your car value, you’ll need to provide information about your car, such as make, model, year, mileage, and overall condition, along with your zip code to get price estimates for your area. Sites may also ask for your vehicle identification number to give a more accurate estimate.

It can also be helpful to search for sites where other people are selling their used cars to see listings of vehicles like yours, Feek says. “Keep in mind that just because they’re listed at a certain price doesn’t mean they’ll sell for it, but it’s a good way to get an idea of ​​the average price in the market.”

Step Two: Learn Your Payment Amount

Your repayment amount is the amount you will need to pay off your loan, plus interest and fees. You must contact your lender to obtain a 10-day repayment statement, which is a document showing the amount of your repayment plus 10 days of interest.

Most lenders will let you download a statement from their website, or you can call to have one mailed to you, Dundas says. Carvana requests a copy of this document if you want to sell a car with a lien to help you finalize your trade-in or sale, according to Dundas.

Gordon says take note of who gave you the repayment quote, as well as whether you can repay the loan electronically. “The sooner you can repay the lender, the sooner you get the title and the sooner you’ll get your money,” he says.

Third step: determine your capital

With the value of your car and the amount of your gain on hand, you can determine your current equity.

“Equity represents the value remaining after the loan is paid off and can be calculated by subtracting your payoff quote from the value of your vehicle,” Dundas explains.

You can sell a car with positive or negative equity, but the process will be a little different.

Sell ​​with positive equity

If you have positive equity, your car is worth more than the amount of the gain. In this case, there are two ways to sell a car with a loan, Gordon says. One method is to ask the buyer to give you two checks: one to pay off the loan balance to the lender and one for the remaining equity in the car.

Alternatively, the buyer could give the lender a check for the full value of the car. Then your lender will send you a check for the funds that exceed the loan balance, Gordon says.

Sell ​​with negative equity

If you have negative equity in your car, which is called being “Upside down“, you owe more than the current market value of the vehicle. Therefore, ” you will need to find money when you sell your vehicle to cover the extra amount owed to the lender or try to transfer the extra amount owed in the loan to your next car if you trade it in,” says Dundas.

Turning your existing balance into a new loan will leave you with a bigger and more expensive loan, because you’ll be borrowing more than the price of your new car. If you choose to do so, the Consumer Financial Protection Bureau advise that you make sure you know who to contact at your current lender to determine when your old loan has been paid off.

Fourth step: sell to an individual or a reseller

You can choose to sell your car privately or to a Merchant. Working with a reseller is the easiest option, but you can get a better price if you sell to an individual.

Sell ​​to a Dealer

When you trade in a car with a loan, the dealership can handle the repayment process on their end. The dealership will appraise the car, call the lender, and get a refund amount, Gordon says.

“If there’s equity, you can use all, some, or none of the equity as a down payment on the vehicle you’re buying,” he says. “Typically, equity is applied to the door price and an outstanding balance is due.”

In negative equity situations, the dealer can help you carry over your loan balance to your new car loan.

A dealer can also help you save sales tax on your next purchase. “In many states, the value of your trade-in can be subtracted from the price of your next car when calculating sales taxes owed, which can add up to hundreds or thousands of dollars in savings,” says Dundas.

If you’re going through a dealership, Feek recommends negotiating the final purchase price of your new car before telling the dealership that you want to trade in your old vehicle. “Otherwise, if they know about the trade-in ahead of time, they might start manipulating the purchase price of the new car as part of the equation, to make it look like you’re getting a better deal. offer than you actually are,” he says.

If it turns out that your payout amount is more than their bid price, he suggests selling your car privately instead, as you’re more likely to get a better price. “You’ll want to make sure the price they’re offering you for the car is above your cost price, otherwise you’ll have to pay the dealership the difference,” Feek says.

Sell ​​to an individual

“Selling a car privately is your best bet to get the best price,” Feek says. “You’ll almost always make thousands more sales privately than you’ll trade or sell to a dealership.”

That said, reselling to an individual can be more complicated when you still have a car loan. You will have to manage the payment process yourself in advance, which takes at least a few days and often much longer. “And unless the seller is someone who already knows you (and trusts you), they’re unlikely to want to pay for the car if you don’t have the title to prove you own it, and both of you might have to wait weeks to get the title once the car is paid off,” Feek says.

Step Five: Don’t Forget the Taxes

Before selling a car with a loan, make sure you are aware of the tax implications of any selling strategy so you don’t have any costly surprises.

“Depending on how your loan was set up, you may have paid taxes up front, or more likely they were rolled into your monthly payment,” Feek says. “You will need to confirm with your lender and your state (Department of Motor Vehicles) if you will owe taxes once the car is titled in your name.”

If you learn you’ll have to pay taxes, you can ask if there’s “a grace period during which you can avoid paying taxes if the car is transferred to a new buyer within a certain period,” he says. .

The key to selling a car while you still have a loan is to do your homework beforehand. “Always be careful (and) ask lots of questions,” Gordon says.

]]> Overdue property tax statements have been mailed Mon, 11 Jul 2022 21:19:06 +0000

Overdue property tax notices for 2021 that are due in 2022 have been mailed out, according to Routt County Treasurer Lane Iacovetto.

Taxpayers who submitted their tax payment after July 1 may still receive an overdue return in the mail due to print and mail processing time.

Per state law, homeowners who have yet to pay their taxes and submit payment for the first half began accruing late payment interest beginning May 1. Owners who submitted payment for the first half but did not submit payment for the second half started earning late payment interest on June 16.

According to Iacovetto, all funds received from mortgage companies were processed and posted at this time.

Additionally, the Routt County tax lien online sale is scheduled for October 28. Online registration for interested bidders must be completed between October 1 and October 22 at

There are several ways to pay property tax. They can be paid online until August 31 by credit card, debit card or electronic check. Owners can also mail their payments to the Routt County Treasurer, 522 Lincoln Ave. Suite 22, Steamboat Springs, CO 80487, or drop off payments at the 24 hour drop box at 522 Lincoln Ave. at Steamboat.

To ensure payments are credited correctly, owners should quote their schedule number on their check and include their payment coupons. You can find more information about these options at

For any questions, visit CO.Routt.CO.US/211/Treasurer or email

Tax Court in Brief | Kotrides c. Commissioner | Due Process for Collections, Abuse of Discretionary Power and Summary Judgment | law of the free man Sat, 09 Jul 2022 04:23:54 +0000

law of the free man‘s”The Tax Court in briefcovers all of the Tax Court’s substantive opinions, providing a weekly summary of its decisions in clear, concise prose.

For a link to our podcast on the Tax Court in a nutshell, download here or watch other episodes of The Freeman Bill.

Tax litigation: The week of June 27, 2022 to July 1, 2022

Kotrides v. Commissioner, Memo TC. 2022-67 | June 28, 2022 | Urda, J.| Dekt. No. 17918-19L


Short summary: Dino Kotrides failed to file his 2014 federal tax return. So the IRS prepared a substitute return for him. The IRS sent Kotrides a notice of deficiency. He did not file a motion to challenge the notice. The IRS assessed federal income tax, tax additions, and statutory interest. Years later, and to cash in, the IRS filed and sent Kotrides, a Notice of Federal Tax Lien (NFTL). Kotrides timely requested a Collection Due Process (CDP) hearing, expressing interest in a lien release. The case was assigned to an Independent Appeals Office Adjudication Officer (OS), who scheduled a CDP telephone hearing. The ER asked Kotrides to provide his 2015-2018 federal income tax returns (which he had not filed), proof of any estimated tax payments, and a Form 433-A, Collection Information Statement for Employees and Self-Employed Persons. Kotrides did not provide any information in response. The OS gave more time to produce. But, Kotrides did not produce anything. The Appeals Office supported the NFTL’s filing and confirmed compliance with applicable law and administrative process requirements and that Kotrides offered no alternative collection. In Tax Court, Kotrides claimed that his tax liability stemmed from his misperception that he was not required to file a return. The IRS filed a motion for summary judgment. Kotrides did not respond, despite additional time and the opportunity to obtain pro bono counsel.

Key issues:

  • Was the IRS entitled to judgment, at law, regarding its request to the Tax Court to support the NFTL?

Main holdings:

  • Kotrides has not responded to the motion for summary judgment, and on that basis alone the Tax Court can rule against him. Further, the undisputed facts established all of the legal requirements and administrative processes for the NFTL.

Main points of law:

  • Summary judgment. The purpose of summary judgment is to expedite litigation and avoid costly, time-consuming and unnecessary trials. Peach Corp. vs. Commissioner, 90TC 678, 681 (1988). Under rule 121(b), the Tax Court can grant summary judgment where there is no real dispute as to a material fact and a decision can be made at law. Sundstrand Corp. vs. Commissioner98 TC 518, 520 (1992), aff’d, 17 F.3d 965 (7th Cir. 1994). The Tax Court reviews the factual documents and the inferences drawn from them from the perspective that is most favorable to the unmoving party. Identifier. The non-moving party may not rely on mere allegations or denials of the pleadings, but rather must state specific facts showing that there is a genuine dispute to be judged. rule 121(d); see Celotex Corp. vs. catrett477 US 317, 324 (1986).
  • Failure to Respond to Motion for Summary Judgment. If a taxpayer does not respond to a motion for summary judgment, the Tax Court may make a decision against the taxpayer on that ground alone. See Rule 121(d).
  • Standard of Review of Determination by Appeals. The Tax Court has jurisdiction to review a decision of the Independent Appeals Office under sections 6320(c) and 6330(d)(1). See Murphy v. Commissioner, 125 TC 301, 308 (2005), affirmed, 469 F.3d 27 (1st Cir. 2006). Where the validity of the underlying tax liability is duly in question, the Court reviews the determination of the underlying tax liability de novo. Sego c. Commissioner, 114 TC 604, 610 (2000). The Court reviews all other decisions for abuse of power and under this standard the Court must uphold the decision of the Appeals Office unless it is arbitrary, capricious or without solid basis in fact or law. See Sego114 CT at 610.
  • Underlying Liability. A taxpayer can only challenge the existence or the amount of his underlying tax liability during a CDP proceeding if he has not received a notice of statutory deficiency for the tax year in question. or if he did not have the opportunity to contest it. See 26 USC §§ 6320(c), 6330(c)(2)(B). If a taxpayer has received a notice of deficiency but does not file a petition in a timely manner, the taxpayer will likely be barred from later challenging the deficiency in a CDP proceeding. “The sending of a correctly addressed letter creates a ‘presumption that it has reached its destination and has in fact been received by the person to whom it was addressed’.” BM Constr. vs. Commissioner, Memo TC. 2021-13, at *12.
  • Abuse of discretionary power. In determining whether the Appeals Office abused its discretion, the Court considers whether the RE (1) properly verified that the requirements of applicable law or administrative procedure were met, (2) considered all relevant issues that the taxpayer may raise, and (3) weighed “whether any proposed collection action balances the need for effective tax collection with the legitimate concern” of the affected taxpayer that any collection action be no more intrusive than necessary. 26 USC § 6330(c)(3); see also at § 6320(c). The Tax Court has the authority to review compliance with the audit requirement whether or not the taxpayer raised this issue at the CDP hearing. See Hoyle v. Commissioner131 TC 197, 200–03 (2008), supplemented by 136 TC 463 (2011).
  • Extension requests. The reasonableness of a request for an extension and the reasonableness of a denial of such a request depend on the particular facts of the case. See Dinino v. Commissioner, Memo TC. 2009-284, 2009 WL 4723652, at *9. If the RE is acting within IRS guidelines for submitting information, there is probably no abuse of authority. See Dinino, 2009 WL 4723652, at *9. “It is not necessary for the commissioner to wait a certain time before taking a decision on a proposal [collection procedure].” Gazi v. Commissioner, Memo TC. 2007-342, 2007 WL 4119009, at *9; see Reg. § 301.6330-1(e)(3), Q&A-E9; Treasures. Reg. § 301.6320-1(e)(3), Q&A-E9.
  • Balancing analysis. A taxpayer may argue that the ER failed to consider “whether a proposed collection action balances the need for effective tax collection with the person’s legitimate concern that any collection action be no more intrusive than necessary” . See 26 USC § 6330(c)(3)(C); see also id. at § 6320(c). But, not to affirm this entails a concession of the question. See Rules 121(d), 331(b)(4).

Knowledge: Dino Kotrides did not respond to the IRS’ motion for summary judgment. If a taxpayer does not respond to a motion for summary judgment, the Tax Court may make a decision against the taxpayer on that ground alone. See Rule 121(d). Kotrides did not provide the information requested by the ER. Kotrides did not file any subsequent federal income tax returns. Kotrides has not requested an extension of time to respond to requests for information. Kotrides did not take the opportunity to receive pro bono counsel. In summary: The law helps those who help themselves – the vigilant, rarely the sleepy and never the willing.

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