Wednesday, May 18, 2005
The coming summer Vacation
posted by: refugee at 1:17 PM
A coming summer vacation after long waiting … Will it come or will the occupation prevent it?

That’s the feeble child, the coming and the hopeful child in a new day’s dawn...

His world became a part from the destruction… It became a center for injustice and aggression… His courtyard became a tank convention and his school became a helicopter airfield… His street became destroyed from the tanks’ chains... And his toy became dirty bullets and some splinter... Where he will play??!

He left his home to play like other children but he returned unsuccessful and his dream is impossible because there are a curfew so he can’t play and even waiting we need to find a solution…!

Will he play in a howitzer or will he build bridges from his cute toys? Will he hide behind a tank? Or will he join the Intifada children…?

He went to a place, the soldiers damaged it... He wasn’t safe from a howitzer, it passed the borders...

The child was dead... And his dream still steadfast and existent... Overcome the border soldier with it… And to make a childhood he swears for it to return….
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Using this type of foreclosure process, lenders may seek a deficiency judgment and under certain circumstances, the borrower may have up to one (1) year to redeem the property.

Non-Judicial Foreclosure

The non-judicial process of foreclosure is used when a power of sale clause exists in a mortgage or deed of trust. A "power of sale" clause is the clause in a deed of trust or mortgage, in which the borrower pre-authorizes the sale of property to pay off the balance on a loan in the event of the their default. In deeds of trust or mortgages where a power of sale exists, the power given to the lender to sell the property may be executed by the lender or their representative, typically referred to as the trustee. Regulations for this type of foreclosure process are outlined below in the "Power of Sale Foreclosure Guidelines".

Power of Sale Foreclosure Guidelines

If the deed of trust or mortgage contains a power of sale clause and specifies the time, place and terms of sale, then the specified procedure must be followed. Otherwise, the non-judicial power of sale foreclosure is carried out as follows:
A notice of sale must be: 1) recorded in the county where the property is located at least fourteen (14) days prior to the sale; 2) mailed by certified, return receipt requested, to the borrower at least twenty (20) days before the sale; 3) posted on the property itself at least twenty (20) days before the sale; and 4) posted in one (1) public place in the county where the property is to be sold.
The notice of sale must contain the time and location of the foreclosure sale, as well as the property address, the trustee's name, address and phone number and a statement that the property will be sold at auction.

The borrower has up until five days before the foreclosure sale to cure the default and stop the process.
The sale may be held on any business day between the hours of 9:00 am and 5:00 pm and must take place at the location specified in the notice of sale. The trustee may require proof of the bidders ability to pay their full bid amount. Anyone may bid at the sale, which must be made at public auction to the highest bidder. If necessary, the sale may be postponed by announcement at the time and location of the original foreclosure sale.

Lenders may not seek a deficiency judgment after a non-judicial foreclosure sale and the borrower has no rights of redemption..



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