Foreclosure Statistics and Foreclosure Defense Links

Foreclosure news is getting tiring, but since I'm joining the ranks of people with their houses in foreclosure and I haven't written in a while, I thought I'd throw up a post on foreclosure statistics to help those who are looking to find the latest foreclosure statistics. Personally, I'm just sick of reading about and dealing with foreclosure news and information. On top of my own foreclosure, I've had a few assignments writing articles on foreclosure and bankruptcy. No pity for me though, I'm looking forward to moving, my house is falling apart, and the house is in my ex-husband's name whom I haven't seen in four years. It'll be a weather shock though - we're planning on moving from NY to the Tri-cities area in TN. I'll be positioned right in the middle of my kids in PA, VA and NC. I'm tired of fighting winter and I have a low-tolerance for the cold, so I'll appreciate the above-zero no-shoveling-or-getting-stuck-in-the-driveway winters.

If you're looking for NY courts, forms and regulations, try the New York State Unified Court System website, and their page with a couple new 2008 foreclosure regulations. You can also find lots of court forms needed for foreclosure proceedings at the NY Bar Association website. A NY Times May 2009 article stated foreclosures are happening now more than ever in NY, so I don't feel all alone. The article has some easy to refer to charts and statistics as well. CNN reported that California is suffering from the most foreclosures, and also brought to light that the children suffer as a result of unexpected and financially difficult moves. Even as a mother of six, I hadn't given thought to the great impact foreclosure has on young children. Perhaps because my kids are going off to college anyhow (4 down, 2 to go), and the remaining two and I are looking forward to moving. I do think the effects of foreclosure on children is a topic that definitely deserves more attention, and likely more study.

Statehealth.org has foreclosure ranks and percentage changes by state. Virginia University has a 2009 report ccomparing foreclosure and housing statistics between states and metro areas. The Center for Housing Policy, a partner of the National Housing Conference, has a comprehensive state and metro comparison, drop down search option for statistics by metro area on their "Paycheck to Paycheck" analysis, and a list of housing and foreclosure reports.

If you need Federal data and statistics on foreclosure, the Federal Reserve Board has foreclosure maps and foreclosure trends, as well as a dedicated area for foreclosure resources. Docuticker is a "ticker" website of updated government news, and has updates of the latest foreclosure news from government agencies. You can always review the latest foreclosure search results from the White House website, or US Treasury search results on foreclosure,. The FDIC has some random foreclosure statistics, and if you want to browse through some 2009 foreclosure statistics in pdf files you can take a look at the FDIC's foreclosure search results. If you're looking for information on the banking industry, the FDIC also has links to banking data and statistics (obviously). The FDIC has a quarterly report in pdf form that you can view for 2009 statistics.

The Mortgage Bankers Association (MBA) gets quoted a lot in the news, but they don't have a lot of free statistics on their website. However, the Research Institute of Housing America (RIHA) is a trust 501(c) under the Mortgage Bankers Association, and is a good source for mortgage and housing data. You can also find the latest foreclosure statistics in news articles from websites like Market Watch.

Having a blog post on foreclosure statistics would be incomplete without mentioning HUD. First of all, they have datasets from the oft-referred to yearly American Housing Survey. HUD also has a research link with some housing data and statistics, and an "online library" to pursue HUD related topics a little further.

If you've gone to Realty Trac, take a look at this recent article examining the accuracy of foreclosure statistics reported by Realty Trac. I just found the Foreclosure Industry website, and it looks like it's keeping up with current foreclosure statistics, and the "Loan Audit" blog that is keeping up with mortgage and housing news.

You'll also find more data and recent news on foreclosure from a search result at the search engine in my blog.

For anyone wanting some legal resources on affirmative defenses to foreclosure, or just general legal information on foreclosure, I found the "Foreclosure Defense Group" website helpful, and I believe I used information from the Patriot's War website (although it was on their old website, they have a lot of info on their new one). NOLO is a publisher of legal books and their website is to promote their products, but they have a lot of links to free information, and I've often found their website very helpful in the beginning stages of research. They also have a useful page dedicated to foreclosure information and proceedings. You can also take a look at Kenneth M DeLashmutt's very nice article which includes easy to understand steps and defenses as well as a few case citations and useful foreclosure links. The Preventing Foreclosure blog has useful information, foreclosure defenses, and forms. If you haven't paid a visit to Scribd, they have tons of documents that people have uploaded to search. Try the search results for foreclosure or foreclosure affirmative defenses. There's also the Foreclosure Defense Nationwide blog with case citations and quotes from court foreclosure filings.

Above all, if you know someone who has received a Summons and Complaint for a foreclosure, make sure they serve their legal Answer within 20 days, even if it's "pro se." It will stall the foreclosure for months, and they'll have time to either get an attorney, look into loan modification, arbitration and settlement opportunities, deed-in-lieu of foreclosure, short sales, bankruptcy, and other prevention strategies and foreclosure options, or even wait for upcoming help for homeowners. There's a lot out there, and if you serve an Answer in time, you'll have time to review those options. Shoot me an email at getanswerserved at gmail dot com if you need some help typing up an answer to serve "pro se" and can't afford an attorney.

Well, I'm still sick of reading about foreclosure but they're not going away any time soon. I know there are thousands of other resources out there, unfortunately I wasn't able to pinpoint them all. I'll keep updating my blog's search engine so you can always check for more foreclosure statistics.

It's time for me to pack up now (pathetic pun intended)...happy statistics hunting or happy house hunting!

P.S. How could I forget my dear friend Swivel? Don't forget to check out foreclosure statistics, graphs and charts created by the Swivel community!

International Relief and International Humanitarian Aid Resources and Statistics

International Relief and International Humanitarian Aid Resources and Statistics

Statistics on world disasters, hunger, health, disease and crime are staggering.   Poverty is the toxic element that is infused into all humanitarian catastrophic misfortunes.   Poverty ignites and is ignited by natural and intentional human indecencies and nature's wrath. Governments of many nations continue to offer financial aid to relief efforts, but politics often put basic human needs such as food and shelter on the back burner, while strategized political gain continues to roast into a succulent greedy feast.   When economies fail, international relief serving those who are far worse off than the statured decision makers is discontinued.  Funding remains to be decided by the face of a dollar sign, rather than the face of a poverty-stricken child, a homeless family, or a disease-ridden village.  Fortunately, all faces of devastation are not dismissed nor forgotten.

The faces of  those struck with the toxic energies of Poverty live constantly  in the minds of  International Relief Workers and Humanitarian Aid Workers around the world that trudge on inspired, exhausted and determined. Where the governments fails, International Relief Workers, Humanitarian Aid Workers and Private Humanitarian Agencies embark on missions for individual and group fundraising to raise money for transportation, medical costs, housing, food, and shelter.  Their funding efforts send them far away to the isles of Affliction, Corruptness, and Desperation that suffer from the epidemics of Poverty.  

Where governments fail, people must not fail.  Those of us not capable of  administering medicines, building houses,  training and educating the uneducated,  traveling to remote areas, and caring for dying babies in their arms, need to support those that are.  A volunteer International Relief Worker or Humanitarian Aid Worker does not receive a pass for a free around-the world trip.  They must pay for their desire to help the devastated.  Even those who receive a small compensation from a private funding source must still fund their own traveling expenses.  

During times of economic crisis, private funding deteriorates, and individuals must raise money on their own to quiet the cries of the helpless that infiltrate their minds at night, while sleeping in the arms of an almost sinfully-wealthy country.  These cries drive them to ask their churches, communities, businesses and educational institutions to help.  It is up to us, the believers, the dreamers, the neighbors, the business owners, and the educators, to support these individuals so that they can be the link on the chain to give to others what we can't give.  Only a strong chain of efforts can drag the toxic-ridden isles of poverty into a decent humanitarian state.  We must all become a part of that chain.  

High school students should be introduced to humanitarian efforts.  Colleges, universities, and even vocational schools should invoke International Relief and Humanitarian Aid training.  International majors that focus on people as well as politics need to grow exponentially.   Educational institutions offering majors for International Relief are far and few between.  Our educational system must step in to promote the end of global poverty and give rise to the efforts to extinguish the events that contribute to poverty's ignition.  

My daughter's continuous desire to become an International Relief Worker throughout her high school years, and our trying search for information on education and careers in International Relief Work over the years, drove me to choose this topic for my blog post on Blog for Poverty Day.  We can do more than contribute money, we can contribute our time.  Train, educate, contribute and build a desire to help others among our young people.  Teach young people the value of life, the value of living and the value of giving.  As parents, educators and humans with a heart - we can all step in to build the chain to pull the toxic elements of poverty out of human existence.  The chain may go on forever, but with every link, poverty's toxic elements are smothered just a little bit more.  

Many websites are available to see first hand the staggering statistics.  And since collecting statistics is a difficult, and almost impossible endeavor in many remote areas, these statistics, as dramatic as they are, often under-represent the realities of humanitarian needs.

One of the most noted resources for data on Global Poverty Issues is the World Bank.  The World Bank Statistics Page has data on international statistics for poverty related issues, current and needed funding, trends on poverty related issues and trends on development programs.  There is also a search engine query page for indepth research and an online poverty computational calculator designated as Povcal Net which can be improvised by countries. The World Bank website is a very comprehensive and reputable source for information and statistics. The World Health Report is one of their most considerable publications. 

The World Food Programme website, the World Health Organization with numerous health statistics on international issues, Doctors Without Borders, Oxfam, and
UNICEF, need little introduction and are primary sources for research and statistics on international statistics on poverty and global issues.  On a smaller scale is US Aid, an independent US government website with information on budget for foreign assistance programs funded by the United States and  US Overseas Loans and Grants.  There is also a page on Missions of US Aid.

Disaster areas are often recipients of international funding.  There are many websites available for research on disaster funding, histories, trends, costs, causes and effects.  The International Strategy for Disaster Reduction has detailed data on the impact of natural disasters for many countries throughout the years.  The Natural Hazards Center at the University of Colorado at Boulder has a list of links to statistics on natural disasters, including many valuable government resources for information and statistics.  This is a must visit website for substantive research on natural disasters.  If you're looking for some global play-by-play disaster reports by month or year, check out the NCDC (National Climatic Data Center).  NASA is has astronomical amounts of information on disasters and shouldn't be left out of the list of resources.   The Asian Disaster Reduction Center has several pdf downloads on disaster statistics and analysis.

Talking ITGlobal Issues Page is not limited to IT issues, in fact, it is a non-profit website that promotes global issues to youth, and even  includes a page on educational games for global issues.  I haven't tried any of these yet but I'll definitely pay a visit later. Educational games on peace and global issues aren't easy to find!

I haven't compiled a list of universities and colleges that offer International and Humanitarian majors, (not merely courses), but it's on my list of things to do.  But there are some great websites for teenagers and young adults (and their parents and counselors of course!) to examine as they explore their career options.  Many of these also include links to listings to International Jobs, International Relief Jobs, and Humanitarian Aid Jobs around the world.  

The United Nations has a page dedicated to United Nations Volunteer ism, and a Fact Sheet on UN Volunteers and a Poverty Network Web Portal if you're interested in including your website.

The Human Rights Interactive Network has a long list of links from around the world on current news, newspapers, journals and websites related to human rights.  I just took a look at the All Africa website since my daughter is interested in International Relief work in Africa, and it's a wonderful news and research resource information on current events and even statistics. Unfortunately, its "premium search engine" is only available at a price.  However, it does provide many other sources for information. When I was doing research for my daughter I stumbled on the UN's Africa Renewal Online Magazine, formerly called "Africa Recovery." (The new name does sound more optimistic doesn't it?)  I really enjoyed reading it, and it's a wonderful source for current news and renewal efforts in Africa. UNICEF has a pdf file on Central Africa statistics and relief efforts. (1 in 5 die before their fifth birthday is particularly disheartening.)

 Blogspot blogs get in on the action in Africa too.  The Business Action for Africa blog is a blog to subscribe to if you're interested in humanitarian efforts in Africa, or have business connections willing to work for Africa, or are lucky enough to be in a position to recommend business action opportunities.  This is a professional business networking website with many valuable links and references.  There is also a social networking website for Businesses Fight Poverty around the world.

 This group is looking for volunteers to help deaf children in Africa if anyone is interested! The ad is posted in the website Network Learning, which has nothing to do with digital networks, but networking for humanitarian aid.  There are many free pdf files, career advice, and links for humanitarian aid career, learning, and organizational development and fundraising information. Network Learning is non-profit and has a vast array of information for NGO's.  But I still haven't figured out what NGO stands for. I'll have to look it up when I'm done. But if you know what it is - pay a visit to Network Learning.  

The website Aid Workers Network is another non-profit website for Humanitarian Aid Workers with career advice for Humanitarian Careers. I received a wonderful pdf file for my daughter from Dr. Bryan Walker, whose two sons are international humanitarian workers. The 83 page pdf file is entitled "Better Ways to Find Humanitarian Employment" and has too many valuable links and statistics to mention.  Dr. Walker has extensive experience in humanitarian aid. His free pdf book is a fluent read despite being chock full of valuable information, and can be downloaded at this link at the Network Learning Website.  If anyone can upload this document to encourage humanitarian workers, Dr. Bryan Walker can be contacted at this address on the Aidworkers Network.   I would also encourage high schools and guidance offices to promote this career advice to students interested in International Work.  As Dr. Walker stated in his email, "There are many people who struggle to get into humanitarian work so the more opportunities for readership, the better."  This pdf also includes a case history from his son now in the DR Congo with the International Rescue Committee.  I really enjoyed the read, but my daughter has to finish her research paper on the death penalty before she can get around to it.  Maybe her and I with gather up the youngest and head overseas after the rest of the clan are settled...

Career resources also exist at this US Aid page on Careers, and this free pdf on Private Volunteer Agencies and Opportunities for Humanitarian Aid and International Relief.   Relief Net is still my favorite resource after all of my investigations.  It includes interactive maps, professional resources,  International Relief Job and Humanitarian Aid Positions available, (including descriptions), data, statistics, and more.  This is positively one of the best networks to use if you begin a quest for information on international humanitarian relief work.  

I've been lucky my youngest is entranced with Magic School Bus, and I could go on forever with this post, but it's time to make dinner or lunch or whatever it is we're eating now.  (I like to avoid mirrors, calendars and clocks!) And, I think Blog for Poverty Day is almost over! Eeek...I've never been on time for anything.

Enjoy the day, enjoy your life, and build a little link to help end global poverty.

Buffalo's Bash the Grass Cuts Grass and Leads to Quicksand

Statistics are often muddled by city officials hoping to promote their faltering city - or themselves. (Take a look at this New York Times article on Rudolph Guiliani, Hillary and Obama for starters.) Journalists and corporate interest groups get in on the act, and before you know it, the muddled statistics are worshipped with biblical reverence. Buffalo's recent publicising on their "Quality of Life" efforts - increasing tickets on overgrown lawns, indoor furniture on outdoor porches, and unregistered vehicles in a yard - is a prime example. (Junk car removal services surely have financial interest!)

The article starts out with:

Crime in the neighborhood “took a nose dive,” said Police Commissioner H. McCarthy Gipson. Assaults, robberies, burglaries and rapes dropped by double-digit percentages last month compared with a year earlier. Motor vehicle thefts dropped 39 percent. Even larceny dropped slightly.

Mentioning only briefly

"While a special robbery detail likely contributed to the drop in crime, city officials give much of the credit to the quality-of-life squad,"

before going on and on about the benefits of ticketing people for overgrown grass. (Buffalo limits grass growth to ten inches). The "special robbery detail" isn't expounded on at all. But - giving Buffalo the benefit of the doubt (not really) - it is possible they didn't have all the statistics since apparently the mayor had to ORDER the police to give crime access data to the media.

Since I live in a safe rural area, amongst fields and unregistered cars and haven't locked my door in five years and people park in "town" with their keys in their car - I found this methodology absurd. (Long grass raising crime?) Since I am disabled and raised my kids as a single parent working full time most of their lives - I found it even more absurd. (Hmmm leave the kids alone in the house, feed the baby, or cut the lawn? Buy diapers, pay the babysitter to work, pay bills, take the kids out for ice-cream, or pay someone to cut the lawn? Ice-cream wins every time.) Looking out the window and realizing we haven't gone even a week without rain turned the absurdity turned to infuriation.

"Don't sweat the small stuff" is a mantra I've lived by long before the book came out. In fact, when I read it I thought "I already know all this." (Raising six kids you learn REAL quick not to sweat the small stuff! And sorry about the overused cliche but it's repeatedly used in the Buffalo News related articles.) I've also learned "nip it in the bud" is an equally important cliche. Are my kids going to stay away from crime if my lawn is cut? Will the kids in school stop offering them drugs if my lawn is cut?

I've seen more than a few coke-induced and alcoholic mothers with impeccable homes and yards over the years. (Outside appearances are important to police - and many of them know that.) Health, education, economy and loving relationships impact crime a hundred fold over long grass. If you want to start small - start with health, education and economy - then move to drugs. Violent crimes and murders would likely be reduced from there. Invest in free health care. Invest in education. Invest in small businesses and lower taxes. Don't add stress to struggling residents. Everybody's working for gas to get to work now. Who can afford a ticket?

Is $60 and $150 fines for grass growing more than ten inches the key to stopping crime? Crime across the nation has decreased steadily - even without intense "bash the grass" police parties. (Decrease in crime humorously correlated with an increase of wine consumption on swivel.com.)

According to the Bureau of Justice Statistics property crime rates have nationally been on a steady decrease since 1993. "Property Crime" can have many definitions. But if we look at the FBI data from 2007 we see that property crime in Buffalo increased. Property crime in these sets include burglary, larceny, motor-vehicle theft and arson - exactly the crimes that the Bash the Grass (my name) Quality of Life program is meant to deter. Statistical relationships? In 2007, the same year, they bragged about "record number of tickets for Quality of Life being issued."

"Causation" and "Statistical Correlation" are two different things. Factcheck.org brings up an interesting point when considering handgun ownership to violent crimes. Statistical correlations don't take into consideration WHY a person buys a gun. A comparison of gun ownership in a rural area to crime would vary significantly from the same comparison to urban areas. Has anyone compared those who purchased a gun for hunting purposes against those who purchase guns for protection and the correlation to violent crime? (Personally, I have the Bambi syndrome and don't like guns - but they are a significant part of our constitutional rights - and you never know when you may need to exercise that right. God forbid WWIII is in the works.)

If Buffalo thinks cut lawns are going to increase newcomers to Buffalo - they have another thing coming. I would bet that people look at crime rates and educational standards before taking a ruler to the grass in the neighborhood. Buffalo wouldn't get past the crime and educational evaluations.

Looking for Outliers had a great post on Journalism and Auditors and makes a valid point that an audit can "increase public confidence." Having run my own business and being the sort of owner that keeping receipts in a shoebox would be a step up - auditors make me nervous. But "AuditorPOV" make an auditor seem - well - almost human.

Most people are smart enough not to believe everything they read. Fact-checking is a time consuming process. Journalists and auditors frequently serve the public to protect us from political and corporate influences. Unfortunately, many journalists and auditors also have political and corporate motives to manipulate information and statistics. (Hmmm, maybe I should add bloggers to that list...)

While searching for statistics, I found (surprisingly) that short search terms fared better than "long tail" search terms for statistics.

Having vented enough - and spending too much time looking at statistics I have no use for - I'll leave some links for crime statistics:

FBI Uniform Crime Reports for Nation, State and Region

Bureau of Justice Statistics

USA.gov State and Local and lots of other links!

US Census Bureau 2008 Abstract

Lots of Law and Crime Links including statutes, statistics and journals.

Listing of Encyclopedias and Links on Crime

Buffalo Fights Crime Report 2008

Mayors' Action Forum on Crime

• Buffalo, NY: Gangs are in almost every neighborhood. This has led to more violence in
schools. Youth are committing more street crimes, such as robberies and shootings.

White House Social Statistics Briefing Room


I'm not doing this list "justice" (no pun intended until after I wrote that) - but I'll keep adding to the list in the future. If you need more stats - try the search engine in this blog - it's set up to search only websites with statistics. (The database increases regularly so if you can't find the information you need now - it may be there at another date.)

Guess I'll go watch the grass grow now...



Book to for Serious Sleuths:
The Technology of Policing: Crime Mapping, Information Technology, and the Rationality of Crime Control


Or try these:

Community Data Websites and Data on Communities

Found a great blog by Ben Warner that has links to some other Web 2.0 communities that share statistical data and even work together to merge data sets. Ben (even though I don't know him) introduced me to Data 360 which is really worth exploring if you are looking to merge some data sets. Data 360 is chock full of statistics on the US Government, Energy, Global Issues and all that fun stuff. On a lighter side is My Visuals which prides themselves in their pretty pictures. If you look through the hubs and datasets you'll find data on population, education, labor, fuel, deaths and even cereal bars. There's over 500 so you will probably find something useful - or at least interesting.

If you are an advocate for community reform, pay a visit Ben's Blog Community Indicators. You will find links that are useful for every facet of community development research. I'll be adding his useful links to our future blog post with a list of free statistics.

Take a few minutes to explore these three data filled websites and you'll be thrilled that you did.

Then take a break and do some shopping!