Posts filed under ‘city of lorain’

Politics – Park- Reservation- and a Presidential Candidate


November 3rd will find the local election upon us- I will be glad when it is over! I suppose the “characters of change” will find something else to rail about subjecting us to their Neolithic form of debate .

I worry for this community, as to the bottom feeding blowhards that have surfaced through the muck and mire of politics. Although, I have to admit some of the you tube antics/ music( music??? may not be the proper description ) and sign placements did give a few chuckles. Pity the characters get in the way of a decent debate ! To be expected I guess, the form of debate around here seems to be of the name calling , concrete and windows type.
I was researching through my back hard drives this morning for something I had saved on what is now known as Veterans Park. You see the little park that has witnessed so much
and barely missed the “wrecking ball” back in 2005 due to “politics” has now been designated a Lorain County Historical Landmark Site .
That little park from whence this city was platted finally has its due!
public square
The respect for this little green space wasn’t always the case – her story can be found here

WoM Logo  by  Scott Baklar

WoM Logo by Scott Baklar

As I researched through those files, I came across a post from the now defunct WoM Blog.

ED NOTE: I am irritated as I look for items I know were recorded and researched on that old blog – no longer available

. But I did save some things. One such post was written by Scott Bakalar ( and myself) in February 2006, when the then Editor of the Morning Journal John Cole was trying his damnedest to bring senior citizen housing to the little park- he and his cohorts had also tried to give away acreage to the Shawnee and it is all to be found in that WoM post
wordofmouth cole

There is a lot of information in that document , not only about the little park, the wheeling and dealing of politics and a certain Mr. Terry Casey
craig foltinand friends
Mayor Foltin’s email to Terry Casey 2005

Re: John Cole, longtime editor of the local newspaper. “I feel he should be briefed early (even in the next week or two) with the understanding that we are in very early stages and he will be the first to know if anything happens and when it becomes public,” Foltin wrote Oct. 11 in an e-mail to Casey. “He can personally squash any nay-saying and ensure broad community support.” – PD 3/5/05

If nothing else works, the Eastern Shawnee could file an aggressive claim for far more land than they actually need for casinos, threatening the state with millions of dollars in reparations. Then, the tribe could drop the claim in exchange for approval to open casinos.

“So the Indian gaming just gives us a few other options,” says Foltin as casually as if he were discussing dinner plans.

You could almost call that blackmail. And you’d think Foltin would worry about losing his Republican allies. He’s not. “The sense that I’ve gotten is that they aren’t mad at me,” he says. “They understand why I have to do this.

ED NOTE: THEY are presumably Republican Foltin’s political party comrades in arms! I didn’t and never will understand why this community spent hundreds of thousands of dollars to try to become a “reservation” but apparently the politicians understood!

WoM Logo  by  Scott Baklar

WoM Logo by Scott Baklar

Starting off a firestorm of wheeling, dealing, controversy and spending of taxpayer’s money. The fact that National Capital One (in whose direction we were pointed) and Terry Casey, spokesperson for National Capital One who had a less than a sterling reputation was never mentioned in the editorial. In fact although Dayton, Cleveland newspapers carried the story of Casey’s “faux paux” I could never find mention of that fact in any of Cole’s Editorials. The fact that National Capital One has pleaded guilty to securities fraud has not had any mention in any editorial I have seen since. And oh yes! the very person to whom Cole’s ability to “squash” was touted was that same Terry Casey in the infamous e-mail from Mayor Foltin.

Now Mr. Casey whose past in my opinion was iffy certainly
casey, terry l – Columbus News Index

Mr. Casey was the executive director of the Franklin County Republican Party when he fell on his sword and took the blame for a system that laundered campaign contributions and went on to be investigated by two elections agencies.

went on to bigger and greater things –
he was appointed by {our} Ohio Governor Kasich ” For a self-described long-time Republican operative and self-starter like Terry L. Casey, who Gov. Kasich appointed soon after he was sworn-in to lead the state’s Employee Relations Board at a yearly salary of $66,997

caused some further issues


Mr. Casey’s filing on May 12, 2014 with the Ohio Ethics Commission lists sources of income that include The Ohio Republican Party, Summit County Republican Party, State of Ohio and Simon Tanger, developers behind the Delaware County outlet mall. Those familiar with Gov. Kasich and his brand of take-no-prisoners politics, understand exactly why he would hire public officials with prior conviction records like Matt Borges and Terry Casey. They’ll do the dirty work.

GOP consultant Terry Casey denies plotting with Kasich against Libertarian challenger

Hopefully, Gov. Kasich, who is running as a Republican for the President of the United States, looks into the history of his appointees a little closer- should he succeed! Mr. Casey , for one, cost this community a great deal of money and polarized a community – along with the politics and press of the day .

Let the political rhetoric begin a new for November 2016 – but I for one will be glad when Tuesday in Lorain has come and gone!!!!

Yes! the seething, rotting, writhing , distorted views of political pundits comes and goes but a little park survives– hopefully so will the voters sanity – although I must say some seem to have lost it already- their sanity that is ;)

Washinton ave park one

October 31, 2015 at 3:42 pm Leave a comment

Lorain’s Lost Housing and Political Machinations

machinationsThe last days of Lorain’s election are bringing out the sound bites of political machinations .

I don’t get involved in the who is who – vote for- aspect BUT I have heard over and over again both in the real media and social media the surface knowledge of Lorain’s Housing being used as fodder for the “vote for me” campaigns .

Unfortunately, I am of the opinion neither Mr. Tim Carrion (IND) or Ms. Jesse Tower (REP) have looked at the housing issues in-depth. These issues have become mythered with politics and this will sound good to the voting public campaign rhetoric !-Lorain deserves educated observations and decisions not sound bites for print.

Ms. Tower stated in the Chronicle Telegram article yesterday

Tower said the $100 inspections are unfair to property owners and reduce housing sales, increasing blight.

“The government should be there to help the residents, not to hinder the residents,” Tower said. “If you want to buy a falling-apart house, then why is the government telling you not to buy it?”

I am afraid I emphatically disagree- I have fought blight and have gone before government committees and courts in Ohio and Washington DC with regard to blight and blighting neighborhoods. – $100 housing inspection costs DO NOT Increase Blight – far from it !

Oh! Ms. Tower , you are much mistaken in the fact the majority of Lorain substandard homes were being purchased by people wanting a home – for the most part these “old houses” were being traded back and forth by LLC’s and “property managers”. They are listed in this link

and some more out of town-ers are still causing issues to families – read it and weep.

Every single person who wishes to purchase a home in Lorain should be assured their property meets “minimum standards of safety”. $100 for an inspection is cheap to make sure a child goes to bed without the threat of a faulty furnace, a mother and father know the plumbing will not haunt them and lead paint is not an issue.

Mr. Carrion also had his say

Of the vacant homes, 171 were graded D and 95 graded F. The study recommended demolishing all the D and F buildings. However, Carrion said there should be greater focus on rehabilitating homes.

Mr. Carrion for your edification

“If some things need to be torn down, let’s do it,” Carrion told Young Tuesday. “But you can’t just take a wrecking ball to everything. Some things need to be salvaged.”

Unfortunately Mr. Carrion – easier said than done. Using Federal/ State funds has some serious rules and repercussions ( as mentioned when Lorain broke the rules and bent them in “previous years under the old Community Development Dept) and they frown upon rehabbing a house for 30 , 40, 75 or $100 thousand when Lorain’s market value for homes, in these older neighborhoods, are selling for 10-22 thousand – thanks to a lot of bank dumping and LLC’s.


Lets take a wander through some business practices here in Lorain. One property management company JB Patriot Properties ( Jerrod Biebrick- who appeared before Magistrate Cook last week-

I did a quick check of only 40 properties of the 80 Mr. Biebrick stated he owns- of those 37 are delinquent in their taxes for over $150,000 dollars total.

I can’t see where any attempt was made to pay down the taxes in the years he has owned the properties. Also, look at the sale prices of just one page from the auditors site –
( sale prices listed far right)
sale prices biebricresk

These properties have taxes owing on them for years – The property he states on his articles of incorporation on the 11 LLC’s he holds is 1101 34th Street.

1011 34th Streetjb

1101 34th Street- purchased in 2009- for $10,900- from yes another familiar bank- US Bank NA- even has taxes owed on those prestigious corporate offices – the real estate tax for this “building” is $711.22 cents per year and owed is $3,791.24 – ( YOU DO THE MATH how many years of back taxes???)

Can you honestly believe if the county foreclosed on these properties the amount of money that would be needed to rehab them would be available ?

Oh Yes !I can just see it now – properties whose highest sales price- per my example Mr. Biebrick was a mere $17,500. Yes! I can certainly see the state and federal programs throwing money into any one of these properties – I THINK NOT!!!! nor would I want them too.

These examples do not take into account the George Schneider properties( 37 of them in the demo line)
the Lew Strnad properties – the wheeling and dealing , trading and dumping going on before January 2014. Oh! there are more out there believe me – I look at them every day in this Lorain’s oldest neighborhood.

Let us look at the most recent demolitions and how they got to be razed- this was not the fault of this city it is the fault of business practices that I believe are at the very least unethical.

1223 W 6th Street. Lorain made the front page of the local media
PicMonkey Collage1123

This home was demolished at a cost estimated for each demolition of $25,000 – the neighbors cheered – but HOW did we end up demolishing this property?

The county acquired it through non-payment of taxes in the amount of $12,883.05- the yearly taxes were $692.16 –
tax history 1223res

This is not a case of some poor out of work family unable to keep up with their taxes.

This property was purchased by yet another LLC EAI Investments
EAI investments
EAI LLC info

THEY didn’t pay the taxes.

Perhaps Mr. Ernest and Alice Iseminger couldn’t afford to pay their taxes- One would have to wonder if that were indeed the case since Mr. Ernest Iseminger was in fact (according to LinkedIn) during his time here in Lorain County Vice President, Development and Alumni Affairs Oberlin College and is NOW –
Vice President, Advancement and External Relations at Claremont McKenna College.
His wife, Alice- the Owner, Seniors Helping Seniors Cleveland/Akron, Ohio Area Individual and Family Services

Now I think they could have managed to pay the less than $700 a year in taxes on this property. According to the neighbors, the day I watched the home being demolished, it was rented out and left to its own decay.
history 1223photo

So EIA Investments -it seems – rented it out- and the non payment of property taxes continued to climb – and now WE the taxpayers ( because this is where the money ultimately comes from – ) pay to have the property taken down. I certainly hope the Lorain County contacts EAI Investments and the Isemingers to recoup some of these costs. ?

UPDATE: I heard back from the county re the actual cost of demo on this property
This particular unit was demolished at a cost of ~$11,000.00. the rear unit on the site cost ~$8000.00.
1223 and a halfres

so the total of all structures is $19000.00.Cost includes, legal, title exams, asbestos survey, abatement, demo and site restoration

This is just an example of the nine properties mentioned in the article 3 were bank foreclosures ( Citi Bank and Fannie Mae) two possible deaths – and 907 W 9th under the name of Jeremy Brogan – Mr. Brogan is still listed as owning property according to the Lorain County Auditors site
Brogan listingsres

My concern is the lack of knowledge both by politicians running for office and the citizens of this community as to the real business of “affordable housing” in Lorain. I don’t think we can afford the business practices of – buy it cheap- rent it out- forget the taxes- and walk away . Because according to Prosecutor Will and County Treasurer Mr. Talarek from the Chronicle

The county has stated via Mr. Wills the prosecutor in the article fro
Will said when he first took office in 2005, the county took a much harder line on trying to collect back property taxes than it does now.

He said that once the property market headed south, many of the properties lost value and it became harder to foreclose and subsequently sell the properties for enough money to justify the expense.

Property that is foreclosed on must be assessed, and the county must try multiple times to sell it at sheriff’s sale.

“It costs a lot of money to foreclose on a house,” Talarek said.

If the land doesn’t sell, Will said, it could become state property and it could be sold at an auditor’s sale, but it would be unlikely to go for enough to cover expenses, let alone the back taxes.

“Sometimes it becomes counterproductive to be aggressive,” he said.

And those in the businesses of “walk away ” rentals KNOW THIS! And now Ms. Tower and Mr. Carrion hopefully you know it too. Lorain’s housing is more than a sound bite !

October 27, 2015 at 12:20 pm 6 comments

Housing Court and You – Lorain- Continued


As promised, a continuation of Lorain’s Housing Court.

Let us first get some housekeeping out-of-the-way!

This was my third time attending the proceedings. It is punishment in and of itself having to sit in a stuffy, airless room with people coughing, hacking, sneezing and other odoriferous issues , stacked like sardines in a can. Word of advice don’t try fanning oneself you will get more than a fresh breeze

source Obit

source Obit

To be fair, those that haven’t got a seat are allowed to go and wait in one of the other courtrooms until their case is called . I think if Warren Finkel, the chief architect of Lorain City Hall, wasn’t already deceased he should be fined for poor design at the very least. Each time I have attended there has been a large number of people sometimes 90 people on the docket , hopefully I have just been unlucky.

The other issue, frustrating to all, including Magistrate Cook ,was the number of times the software went “walk about” or the computer glitched- 4 times by my reckoning in 2 hours.

Purely from the standpoint of an observer, and I may be under a misconception here,it looks to me as if the defendants who have an attorney present go first on the docket.

The people who have abated their issues seem to come next .I am pleased to say there were, on all three times I attended, a great many people who had abated their issues , the system seems to be working in that regard.

Apparently , abating issues does not save you from “Court Costs”. The mere fact the city had to go through the paperwork, sending out for inspections and going through the process( even if your violations were now abated) doesn’t save you from court costs. That is, unless the city has had their own issues- ( that happened more than once every one of those court dates- imho too frequently ) My first day in court August 12th had Magistrate Cook admonishing the Prosecutors office with ” sloppy work”.

NOTE: A word to the wise if you get a notice from the Building Dept with regard to violations , take care of them , let them know you will take care of them in writing – ( get that all important paper trail) . In case you end up in Housing Court

1. If you have abated your issues- according to the Prosecutor- you then sign the document electronically as does the Prosecutor and you go across the hall with your paperwork and pay the court costs

If you haven’t abated – you have three choices, Not Guilty as which time you are set either for a pre- trial or a bench trial and choose a date in the future ( this also gives you more time to abate your issues before your next appearance) NOTEI have been told every time this happens the Building Dept has to once again re inspect the property again and may be required to appoint an attorney for you ( the City of Lorain that is)

2. No Contest which means you didn’t admit guilt but then again you don’t disagree- This ends up with a fine and court costs -to be paid across the hall

3. Guilty– same as above- the highest amount fined was $250 plus costs

If there are circumstances in your life where there are problems with taking care of the issues – contact the Building Dept, explain the problems and put it writing with a projected date you will be able to adhere and after you have finished call for a re-inspection and get the paper work the violations were abated .

Keep that paper trail, mistakes can and have happened.

Don’t wait until you are summoned to court because you will face a probably 3 hour punishment of sitting in that claustrophobic courtroom and I am sure the Building Dept. employees don’t enjoy sitting there session after session either .

Magistrate Cook, is very personable and runs a fairly relaxed courtroom. I am not sure how I feel about that- one the one hand it did break the ordeal of having to sit there generally listening to procedure and helped with the tension. He is charming, concerned , empathetic, patient , has a sense of humour and usually deferring to the Prosecutor as to fines etc. A great deal of the defendants were less than knowledgable as to the process and it seemed he took that into consideration. Magistrate Cook certainly is not Judge Raymond Pianka

Source   Scott Shaw, The Plain Dealer

Source Scott Shaw, The Plain Dealer

Cleveland Housing Court Judge Raymond Pianka is ratcheting up the costs for absentee property owners who spread the damage from the foreclosure crisis. They will have to pay neighbors for economic losses caused by their neglect.

BUT on the other hand this chatty chat does somewhat cheapen the due process and personally I would like to have seen a less obliging courtroom in some of the cases I witnessed, but maybe that is just me who is used to the British Courtrooms where calling out compliments and chat at least on two occasions from those waiting would have been seen as disrespectful to the process of law.

Magistrate Cook, did make it quite clear YOU not your spouse has to attend court when summoned , unless of course you have an attorney speaking on your behalf – However, the two that did feel his wrath were not penalized due to their “names not being accurate on the paperwork “ in the first place!

My trip to the court on October 21st was due to the fact Kaja Holdings were up before the bench one more – Readers will remember Kaja Holdings
Kaja Holdings Lorain
However apparently their attorney Lei Jaing is no longer acting for them and a new attorney is in place therefore a continuance until December 9th, these properties have been in the hopper now for how many months- since the first of the year on some of them – ( the beginning of the process)

All was not lost because there were one or two people I recognized from previous blog posts on my mega landlords and their impact on our neighborhoods.
1st up Gustav Krause POS foreclosure
1621v E.36th Street- 1621 gustav

but we know Gustav Krause and his LLC -FGSK PROPERTIES LLC of old from the September 2012 post, before the death of George Schneider.

Gustav Krause looks to own 12 parcels and the tax bills are sent to a PO Box number 395 as well- along with property owners of David W Carter/ Red’s All American Recycling fame.

And I had my issues with Judge Mihok and leniency that same September 2012
George Schneider (Appeal)ing Properties- or where’s the judgement? Pity the system didn’t do something when they had the chance because we would be left with the mess we have now

Imagine my interest when another landlord – multi property owner and holder of “thatwoman blog fame” Jerrod Biebrick
Biebrick, owner of Patriot Property Management, said he owns about 80 rental properties in Lorain and has been buying building materials at the store for two or three years.
Landlording in Lorain is a big business ( Housing Choice Vouchers alone)

For instance according to Ms. Carter of the LMHA
“housing choice vouchers alone pump 1.4 MILLION A MONTH
into Lorain County but The City of Lorain gets 64% of that money EVERY MONTH or approximately $900,000.00 PER MONTH COMES INTO THE CITY OF LORAIN-!!!

and Mr. Biebrick apart from his 80 properties certainly has a plethora of LLC’s
Biebrick LLC
A quick check on just 4 of Biebrick’s many properties he owes on just those 4
over $23,000 dollars – I would hate to see what his tax bill is like on all 80 odd- I went through picking out randomly and every one had taxes owed that I checked – including the one for which he had to appear

4095 Laurel
Annual Real Estate Tax: $908.54
Current Special Assessments: $0.00
Delinquent Special Assessments : $0.00
Unpaid Taxes: $2,105.41
Full Year Tax(includes any unpaid taxes & special assessments): $3,196.89
Total Taxes Paid to Date: $0.00

4332 Laurel
Annual Real Estate Tax: $260.06
Current Special Assessments: $0.00
Delinquent Special Assessments : $412.14
Unpaid Taxes: $2,957.42
Full Year Tax(includes any unpaid taxes & special assessments): $3,737.32

Those names just keep cropping up and unlike most of the people who were homeowners, some having no clue how the process works these multi- property owners have appeared before and KNOW the system– the excuse of “didn’t know” and the “post office is at fault” excuse left one wondering what would have happened in Judge Pianka’s courtroom

Last up was a Mr. Dessie Cheers– he had sat there right from the beginning and seemed to have at least 5 separate issues on his properties and it seems he has more than building violations!

According to the Auditors site his property of 419, Kentucky , 1530 Fillmore, and 1538 Fillmore he owes a cumulative amount of $19,588.04 in unpaid property taxes, that is not the case on his “own home” – just saying- this court of public opinion finds this “IFFY”

419 Kentucky

419 Kentucky

Annual Real Estate Tax: $1,186.76
Current Special Assessments: $0.00
Delinquent Special Assessments : $1,137.02
Unpaid Taxes: $5,152.10
Full Year Tax(includes any unpaid taxes & special assessments): $7,785.61
Total Taxes Paid to Date: $0.00
1530 Fillmore
Annual Real Estate Tax: $1,223.06
Current Special Assessments: $306.00
Delinquent Special Assessments : $375.89
Unpaid Taxes: $4,037.42
Full Year Tax(includes any unpaid taxes & special assessments): $6,220.21
Total Taxes Paid to Date: $0.00

1538 Fillmore

1538 fillmores
Annual Real Estate Tax: $867.16
Current Special Assessments: $306.00
Delinquent Special Assessments : $993.91
Unpaid Taxes: $3,196.81
Full Year Tax(includes any unpaid taxes & special assessments): $5,582.11
Total Taxes Paid to Date: $0.00

Something very wrong here Lorain-

To Be Continued…………

October 22, 2015 at 4:08 pm 4 comments

The Follow-up – A tale of Two houses City Council Lorain(e)

Wurmser for lease rs 091015
Fulton Road 02 rs 091015

September 14th the Lorain City Council Public Meeting on Point of Sale.
as mentioned in the Morning Journal Newspaper. (
Council Chambers held more than the usual few – Invited participants included members of Lorain County Government and Magistrate Cook , in whose courtroom I had found myself ( trying to hear) on August 12th and September 9th. I won’t go into detail you can find coverage here

judy nedwicksnodgrass

AND JUDICIAL HAS TO BE JUDICIOUS ON THE BACK END. THESE ISSUES ARE NOT JUST LORAIN ISSUES!!! These out-of-state / county holding companies are not choosy where they feed.


When I attended the Housing Court on Sept 9th I met a family – The Shaffers- whom, to my mind, have become the faces of unscrupulous out of state Holding and Property LLC Companies .

The Shaffers, are in sort of a legal limbo when it came to having their say in Housing Court- Before the bench those days were the LLC Kaja Holdings 2 in all their Vision Properties glory who were the “defendants” along with their attorney Jaing, Lei- ( Lei Jaing) who got to plead their case –jaing lei

Unfortunately the Shaffers , although they believed themselves to be the owners 4132 Fulton ( since they were the purchasers of the home – under the Lease to Own agreement) – had no say in the courtroom and therefore were dismissed from the courtroom by Magistrate Cook, in all likelihood as they were not on the paperwork given by the city. They were considered tenants.

The Shaffers , thanks to City Council Committee on the Enforcement of Point of Sale and Councilman Dan Given, did get their say! The media also have given them coverage

The Shaffers produced a receipt given to them ( see Chronicle article ) showing they had paid $350.00 to Vision Properties ( aka Kaja Holdings) for what they were led to believe was for a City of Lorain inspection for POS/ plumbing/ electrical. NOTE: the actual inspection by the City of Lorain is $100.00 and the city did not inspect this home.
Two things come to my mind-

Had the Shaffers ( who had brought the documentation to court been allowed to speak- Kaja Holdings/ Vision Properties may have had to answer some very interesting questions from the Magistrate if not the city prosecutor/ Building and Housing Dept.
ONE: For instance in all of the properties purchased by Kaja Holdings, RVFM , Vision Property Management
etc. after Lorain’s Point of Sale

How many times, since a number of them have been cited for non compliance Certificate of Inspection (POS), took money for such a supposed inspection from the people ( Leasing to Own)? Obviously they did it once and made money – were there others so duped?

And number TWO-

To this layperson’s thinking does this not constitute fraud? Using an ordinance to take money from people, not following that ordinance, and charging three times as much for the compliance of the ordinance that never was- and if the City of Lorain’s inspectors weren’t the person with the clipboard who was? How many times has this – in my opinion -fraud happened . Is not the City of Lorain an injured party in all this? Will we prosecute?

The Shaffers, are still in a mess but hopefully now someone has listened they will be helped and the City of Lorain has garnered some interesting information.
Unfortunately, a quick drive around my neighborhood shows another Property Company from Columbia South Carolina and Fannie Mae up to their old habits . 917 9th Street– There are the rent to own signs everywhere on this house –

Now you know if my discharging “donspout” was cited in February and given 6 days to be fixed

then this house on 9th NEVER could have passed a point of sale inspection !

The house sold and transferred July 27th 2015– Another “sale by Fannie Mae ” ( Federal National Mortgage ) before POS- BUT HARBOUR PORTFOLIO VII LP ( NOTE the NUMBER VII)sold it on for 1,500 dollars – probably after renting it out for a couple of years

917 9thres

I wonder if Clotilde Ann Eaker – SOUTH KOREA knew about Point of Sale ??
This Harbour Portfolio VII is also tied up with
Address: 4350 ST ANDREWS RD, COLUMBIA, SC 29210
Harbour Portfoliores
And it is their signs all over the 9th street property
They too have a couple of homes in Lorain on their site

OH and Vision Property Management they have added a couple since the last time I checked
Interesting : 1144 Washington ( AKA Kaja Properties) has been in Housing court with numerous violations –
614 W 21st Street
Tax Bill Mailed to: DEUTSCHE BANK
Then there is
1837 E 36th Street

Owner Name
Tax Bill Mailed to: DEUTSCHE BANK

Notice anything the addresses are all the same ( Deutsche Bank) –
they have been known to transfer to Kaja , Vision, and whomever. in this sordid property tale.

Oh! dear me and yes you can still purchase 1348 West Erie
Wurmser for lease rs 091015

Our new group of LLCs. LP Numbers ONE through apparent infinity is “Harbour Portfolio “ and their source of supply Fannie Mae aka Federal National Mortgage

This is not new to North East Ohio and Harbour Portfolio V11 of them was with their source Fannie Mae ( Federal National Mortgage ) the FEDERALLY backed mortgage company

fannie mae

Good old Fannie, she has been busy with Harbour Portfolio and all its numbers
Portfolio Harboures

There were 27 listed – Lorain- Elyria some after Lorain’s Point of Sale and every single one of the came from Federal National Mortgage – dumped on US( in my humble opinion).

We are not alone in this bank dump behaviours- Fannie has been “fannying” around with property and old neighborhoods in Cleveland as well
Predatory Carpet Baggers
the focus of an article in 2012 Cleveland

Fannie Mae, the government sanctioned lender of last resort, panders to predatory flippers by dumping zombie properties for chump change, writes Christopher Evans

What sets 3868 apart is the prior owner: Fannie Mae, that government-sanctioned lender of last resort, is back in the business of selling foreclosed zombie properties to predatory carpetbaggers.

Harbour Portfolio bought the property for $4,304 last February from Fannie Mae, according to the Auditor’s Office.

Fannie Mae did not disclose that the property had been condemned, Brancatelli says. Not that Harbour Portfolio would care, he adds. “They’ll find some buyer who’ll put lipstick on the pig and rent it out.”

The condemnation notice? “They’ll buy a key at Home Depot that’ll turn the water back on,” Brancatelli says.

………It also notes that Building and Housing has prepared 22 criminal charges against Fannie Mae for not obtaining certificates of disclosure on properties before they were transferred. An additional 38 charges are in the works, the email adds.

Not much changed then.

Where are the Feds when you need them? Oh that is right they back Fannie Mae.

September 17, 2015 at 10:48 pm 3 comments

The HOUSING Court- and YOU! Lorain Part One

2th and Hamiton

I have, for more years than I care to remember, bitched and moaned about the deteriorating homes and neighborhoods in this, Lorain’s oldest neighborhoods.
Beautiful large family homes , homes built for the entrepreneurs of Lorain’s past becoming cut up transient housing , bastardized by owners for more income.

I have written about the banks and what I consider to be bank dumps adding to the loss of value to the surrounding properties.
I have written about Point of Sale which came into being January 1st 2014.It was and is a program for which, I believe, will help other Lorain neighborhoods from falling into the desperate housing situation this old neighborhood faces every day.

Point of Sale “should’ve been ” about protecting the buyer of a home, making sure the home was safe for a family –

helping stabilize neighborhoods from frankly, becoming what we in “old Lorain have to deal with – rotting homes used and abused , sold on until they have to be torn down! BUT THERE HAS TO BE SOME ACCOUNTABILITY ON THE JUDICIAL END !
1223 W 6th
When Point of Sale is followed correctly the city benefits, the seller knows they are selling a home that is worthy and the buyer knows the home meets codes- no surprises!

I have written about the legacy left to Lorain by multi- property owners that are now deceased, literally hundreds of properties that were and are a disgrace now on the chopping block to be razed at taxpayers expense.
138 col

The theory of Point of Sale was, according to at least one newspaper account, The Chronicle

” Sales would be blocked until repairs are made and failure to make repairs could result in first-degree misdemeanor convictions and up to six months imprisonment, a $1,000 fine or both.”

That in fact is NOT what is happening when Point of Sale is not followed – Sales are NOT being blocked – those that do not go through Point of Sale have not had any of their “sales” blocked – they happen and the process is retroactive.

Should these home not go through Point of Sale the last step is Lorain’s Housing Court ! How many I wonder will be receiving the up to $1,000 fine and/or a possible 6 months in jail?

I attended two housing courts in a month- August 12th and September 9th to say I was, as a lay person, less than impressed with the system is an understatement. I will deal with the over all impression in Part two.

My concern in this post is the example of at least one group of holding, property companies that seemingly play the system and apparently “non- accountability”

1348 West Erie 2012

In the above post linked, you will see the Poster Child of Point of Sale and the cry by those in opposition to Point of Sale NO ONE WILL BUY THIS HOME BECAUSE THERE IS A RECORD AMOUNT ESCROW REQUIREMENT $45,750.00
HA!the house sat there owned by Fannie Mae until it transferred quietly to Kaja Holdings LLC .

You will see in that self- same post Kaja Holdings is part and parcel of a number of other LLC’s coming under an umbrella of Vision Properties .

Kaja Holdings LLC in and of itself has these properties listed on the Lorain County Auditors Site
Kaja Holdings Lorain

Of those properties ( which includes vacant land) 9 homes were purchased AFTER POINT OF SALE January 1st 2014. How many of those actually went through Point of Sale??? Certainly NOT our Poster Child House, 1348 West Erie.

After I wrote that post , on August 5th I noticed that one homeowner in Lorain was cited for his outdoor showroom. He was found guilty and the terrible punishment after 4 YEARS of citations and a plethora of lawnmowers $150.00 and court costs.

3200 Jaeger Road 01

That fact sent me finally to the last bastion of defense citizens have in this Inspection/ Citation/Court process. Lorain’s Housing Court!

The buck apparently stops with Judge Christopher Cook, of Lorain’s Housing Court .
Judge Cook is internationally known ( well at least in the UK) as to having his gavel stolen

The City of Lorain relies upon our Law Dept. to prosecute ( the two days I went, the Prosecutor was Joe La Veck ) the Lorain Building Dept. acts for the city ; for the most part defendants act for themselves. Groups and banks tend to have attorneys who go first on the docket – so it seemed to me anyway.

I initially went to the court on August 12th to watch the process and I will write about the “process of the court” in a follow-up post .

In the meantime on August 12th 2015 who was up front and center – Kaja Holdings 2

This is the list from Public Records from the Court. Court Docket and Violations :
kaja Aug12
Kaja a 2

Those discerning readers will see that of the 9 homes in Lorain owned by Kaja Holdings ( please note there is a back story to 4132 Fulton)

Source Auditors site

Source Auditors site

SIX of those properties listed as belonging to Kaja Holdings 2 on the County Auditors site were before the Judge on August 12th 2015 And of that same list of properties owned were purchased AFTER Point of Sale January 1st 2014.

1739 W. 19t – seller to Kaja Federal National Mortgage 11/12/2014
1348 West Erie- seller to Kaja Federal National Mortgage 2/3/15
2027 E 31st St – seller to Kaja – Deutsche Bank 9/30/14
4132 Fulton – seller to Kaja Federal National Mortgage-1/22/14
1719 Hamilton- seller to Kaja – Federal National Mortgage 11/12/14
700 W 17th- seller Bank NY Mellon Trust – 3/23/2015

SURPRISE! SURPRISE who sold these properties to Kaja Holdings OH YES!!! the BANKS!!!!!

I have yet to have confirmed if some of them received a Certificate of Inspection going through Point of Sale.

Although the Poster Child of Point of Sale was confirmed as not having gone through Point of Sale as well as 329 Hamilton Avenue( from yet another bank and a rent to own sign) which also shares the same address as Kaja Holdings/ Vision Properties – in fact they have any number of LLC’s and I just scratched the surface

Yes! that is correct another LLC using the same address as the purchaser of 1348 West Erie Address: RVFM 11 SERIES LLC

Two of Kaja Holdings properties ( August 12th) were lacking a Certificate of Inspection
purchased or transferred by those pesky banks – after Point of Sale
1719- Hamilton– (sold for ZERO dollars according to the Auditors site)

and 2027 E 31st Street.( sold for $6,450)
City  of Lorain
How do I know Kaja Holdings is Vision Properties because the court docket from another trial to be judged by Judge Chris Cook tells me so .

Unfortunately, for one family I met in court on September 9th they had taken Kaja Holdings up on their offer as seen in an advertising sign put on the grass at 4132 Fulton – Lorain – This home was also one of those Fannie Mae ( Federal National Mortgage) transfers for Zero dollars.

You know the Rent to Own / Land Contract deals – 500 down and so much a month
Kaja lease to own

they can be found on the net easy enough

In the POS ordinance found here

it states :

Apparently a fact lost on the Shaffers who thought they were purchasing this home. The home had various violations cited before the court on August 12th

4132 Fulton – seller to Kaja Holding 2 Federal National Mortgage-1/22/14

( court complaint August 12th 2015)
307.1 accumulation of rubbish
302.7 Accessory structures
302.9 defacement of property
304.7 Roofs and drainage
304.13 window skylight and door frames

It was extremely difficult to hear either the attorney for Kaja Holdings,Jaing, Lei or Judge Cook on August 12th. In fact I was unable to hear the outcome of any of the properties brought forward from the previous month by Judge Cook.

As of writing, I have not had a reply to my query as the outcomes, but from what I was able to hear no one was found GUILTY from that grouping represented by Jaing, Lei .

Judge Cook – August 12th court– did raise his voice somewhat at one chap who was there for another of Kaja Holdings properties – about putting out a Bench warrant for the CEO of Kaja – can’t say what happened there either – he was given another month. What I can say is he wasn’t there on September 9th – Maybe that property was then being represented by Jaing, Lei- I couldn’t tell you.

jaing lei
From what I could gather that day of August 12th the attorney Jaing, Lei was given another court date of September 9th to remedy and or update the situation.

Back to 4132 Fulton and the Shaffers

PLEASE NOTE Attorney Jiang, Lei was representing KAJA HOLDINGS and in fact was still representing KAJA HOLDINGS ON SEPTEMBER 9TH.. for 4132 Fulton . The Shaffers ( whose water and garbage were cut off) are going through an eviction process – and it will be in JUDGE COOKS COURT -2015CVG01790 CASE IS SET FOR A F.E.D. HEARING ON Sep 14 2015 1:00PM IN FRONT OF COOK, D CHRIS !
Fulton Road 02 rs 091015
It seems “now” that Kaja Holdings now, has decided to evict the Shaffer family from 4132 Fulton-

You will see in this court docket Judge Cook the plaintiff is VISION PROPERTIES for 4132 Fulton NOT KAJA Holdings although the address is the same – Two courts- two different companies, same address and same attorney and the same Judge.


Can you say bring on the IFFY METER

On September 9th Attorney Jaing, Lei and presumably the contractor for Kaja Holdings were in front of the Judge AGAIN THE CONVERSATION WAS INAUDIBLE but it sounded as though the case for 4132 Fulton was “Dismissed “

No surely not – but as I have no confirmation from the Law Dept as to what happened at the time of publication I am left in the dark!
I did hear 1323 Lexington had nothing done (Kaja Holdings) – again I could not hear the outcome –

The “approach the bench” style of judgement was not conducive to this taxpayer’s ears and since no follow-up from the Law Dept as to out come – I am at a loss as to give any conclusions , apart from the Attorney Jaing, Lei getting a further month October 21st on a property on Hamilton could that be 1719 Hamilton – the one that is cited for No Certificate of Inspection
1719 H
How can there be a continuance from August 12 to October 21st – the penalty for non compliance is pretty clear ?


And drum roll please our poster house 1348 West Erie , you know the one with the $45,750 needed for escrow and NO CERTIFICATE OF INSPECTION – well we will deal with that little matter on OCTOBER 21ST…….
This is the photo of the Historic Poster House of 1348 West Erie as of September 10th a day after another continuance By Judge Cook… YES! that is a Lease to Own sign from Kaja Holdings and another family enabled to live in Lorain by the lack of “JUDGEMENT!!!!
Wurmser for lease rs 091015
I am not holding my breath for that ( up to a) $1,000 fine at this rate…….
Kaja lease to own

Maybe we had better find a stronger “gavel”

To Be continued

September 11, 2015 at 1:39 pm 3 comments

The Other Lorain- The city OF IFFY???-

2015-08-23 08.16.03

IFFY = iffy: having many uncertain or unknown qualities or conditions may not pass the “sniff test

NOTE: The IFFY meter results are based upon information available through the situations as read in the media and elsewhere on line eg City of Lorain agendas)

At the risk of more “concrete criticism” coming through my window
Let us take a trip – to the other Lorain – the IFFY OF LORAIN and especially the happenings in Ward Two and how they stack up with the IFFY Meter
UPDATE: the result!!!!
There is such a confusion within my brain- I, for instance, cannot fathom why it has taken weeks and weeks to get a council person named for this Ward Two. Whatever the reason legally or politically – something sure looks iffy –
dennis FloresHorn, Ryan
This was a Democratic Primary – but since no one from the Republican Party or Independent Party is running in the General Election whom ever comes through this mess will be our Ward Two councilman.

The Democrats ( as they are who are the “front-runners” in all aspects of this ) will be deciding one way or another – The Judge Betleski ( he of CRA fame ) is a “big” Democrat) and stated in his in initial decision
Judge Mark A. Betleski ruled there will be no recount.

However Mr. Flores brought a civil suit and the Judge and the players had at it again. Mr. Flores , it has to be said, has fallen out of favour with his Democratic Party.

paul adams
The expert witness for the court Paul Adams is the Director of the Board of Elections AND the Chairman of the Lorain Democratic Party – Oh yes and the person who does the warning and writes letters to the newspapers –

In a news release Thursday, Lorain City Democratic Party Chairman Paul Adams wrote that the party was recommending all of the candidates running in his party’s primary except for Flores, who has previous convictions for solicitation, carrying a concealed weapon and drunken driving.

“Just as the records of exemplary community leaders in the party speak for themselves, Dennis Flores’s public criminal record speaks for itself,” Adams wrote

Bit of a reach there – Mr. Flores won his seat in the previous election after his legal violations ( much to the annoyance we are told of certain Democratic Party Officials) and the party recommendation failed to point our Mr. Horn’s exemplary behavior

Ryan Horn, one of two candidates challenging Flores, pleaded no contest to public indecency/reckless exposure in 2008, according to Lorain Municipal Court records.

Now I am just thinking out loud here This whole “fiasco”, because that is what this has become. Why did the same Judge that ruled there will be no recount then have to disallow a few week later 9 votes? Should have had that recount in the first place eh? What?
florestrialAnd Now

There are two concerns to this lay person- the Judge that ruled there would be no recount initially – had to then after a civil trial throw out 9 votes and ( to the iffy minded ) at least one more should have been disallowed. 9 votes in a Democratic Primary in a Ward of Lorain where 382 Democrats voted for the three candidates – 2.35 % of the vote disallowed and we are still hanging on waiting to hear the results. And the 2nd concern is how many times previously have votes been counted that shouldn’t have- in the last two elections there have been concerns in Ward Two – Robert Gilchrist comes to mind- you may be losing the voters’ faith in the process ?
meter oh boy

First Energy and the 15,000 dollar Donation


Joe Koziura
DeTillio, Frank
Last month, Mr. Joe Koziura Council at Large and Mr. Frank DiTillio also Council at Large were thanked publically and in emails for their support of a local event by receiving a $15,000 dollar donation from First Energy

We have a $15K presenting sponsor – First Energy. Joe Koziura and Frank DeTillio started working the circuit to round up sponsorships for the festival last week and landed us this. If you see them around town, thank them as well! They will keep knocking on the doors of their network — glad to have them on the team!

No problem there except there is a resolution going before council Tuesday night (the 8th of September) resolving the support of First Energy for their stand before the Public Utilities Commission
“Stated Scott Gerfen, Ohio Consumers Counsel spokesperson:

“1.9 million consumers paid billions of dollars to FirstEnergy for its transition to deregulated power plants, under a 1999 Ohio law. Fifteen years later, FirstEnergy is again asking consumers to pay charges related to the power plants. FirstEnergy’s requests include asking the government (the PUCO) to guarantee profits for what are deregulated power plants whose profits should instead be determined by the electricity market. Needless to say, we are concerned for consumers…”

Now there are pros and con arguments for this Power initiative- and they can be found in the links in this post ( 2nd subject)
Ironically this resolution passed word for word by our Law Director Pat Riley –

is word for word from the resolution sent by First Energy to Council at Large. ( Mr. Given declined to propose the resolution) and it was hanging around in the offices for months since April 22nd and with no takers!( see handwritten note on the First Energy Page) WHY NOW?????

First enegery  proclamationres

Usually resolutions are just passed as a support, such as the other one on the agenda re the Salvation Army, BUT this one can effect the citizens and our wallets – I hope those voting will have done their homework as to just what this resolution means – and heaven forbid it isn’t tied to the $15,000 donation –No! surely not that would be a cheap trade off The IFFY meter results
Brewers and A BRIDGE SO FAR!
I would hope the behavior alluded to on line and elsewhere in this latest “entertainment Lorain” in Lorain’s Entertainment District is just a mashing of facts. Judge for yourself:

Early in August ( 7th and 9th) the Bascule Brewing
folk started generating excitement with a new micro Brewery they plan to open in the old Eagles Building – they had a logo,
original logo
a place to carve out the brewery and a name Bascule Brewing so what happened because on September 5th a new logo and name change?

From their facebook page
Our New Operating Name, Bascule Brewery and Public House
September 5
2nd logo

Well it seems, according the chat on various facebook posts the “originators” of the Bascule Brewery met up with a hiccup – they had neglected in their excitement to register their LLC . Well who would have thought that people, who proclaim to want to help business in Lorain, would then go and register that very name, along with another on August 20th – just to be on the safe side???? The LLC’s registered by one whom, it can be surmised acts as legal representation for another individual who also apparently plans a micro brewery on Broadway a few buildings up. The LLC and other name was activated August 20th 2015 three weeks after the original Bascule Brewery was announced. If that it the case certainly not Cricket gentleman!!!

tony takes the name

For the sake of clarification The Original Brew Masters made this statement
Please be advised, any news or business you hear being conducted under anything other than our newly REGISTERED name, BASCULE BREWERY and PUBLIC HOUSE is NOT affiliated with my partner and VP Fred Lozano or me, Chris Kambouris. We are Bascule Brewery and Public House’s sole proprietors. We have no plans of operating anywhere else but 573 Broadway.

and from their face book post :

Friends, opening a brewery is fraught with troubled waters. In every community already choked by economic hardship, there are those, who it seems, exist solely to demonstrate their former strength, those who would rather use their influence to prevent others from success, than to take noble efforts to promote it. Those who cannot conceive of original concepts but would rather swoop in like vampires to feed off of any fresh pulse they detect. It is these very same forces that jeopardize what is at stake in Lorain. The crooked hands that won’t let go of an obsolete mentality still try and grasp at the opportunities they failed to embrace in their own time. This brewery is more than a name. It’s about you. We hope you will stand by YOUR brewery Lorain.

If this is the case the name tying- to protect a client- is accurate then this situation is not only pathetic but problematic to Lorain ( in my considered opinion based on what I have read)
meter oh boy

NOTE: Please don’t hurl concrete through my windows- all you have to do is ask for an OP ED or Guest Post to state your case ;) I will post it unedited

September 7, 2015 at 5:19 pm 4 comments

The Case of the Curious Lorain Neanderthal

downspout two
So poor old Don was found ripped from his roof damaged but not broken ! Now I wonder why poor old Don was targeted for victimization and who could have been irate with regard to his postings??? The clues are piling up- he has after all only been a guest blogger once

and the subject of a post once
Certainly your average Neanderthal doesn’t have it in for “donspouts” as their modus operandi. Will a complaint to the Building Dept. follow ???
The case of the Curious Neanderthal…….. to be continued – hopefully not … but watch this space.


August 24, 2015 at 3:20 pm Leave a comment

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