kilativ (kilativ) wrote,

И о частной собственности, которая священна

Tax deeds are issued after the owner of the property has failed to pay the taxes. Tax deeds are issued in connection with auctions in which the property is sold outright. The starting bid is often only for the back taxes owed, although the situation may vary from one county to another.
Tax deed states are Alaska, Arkansas, California, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Kansas, Maine, Massachusetts, Michigan, Minnesota, Nevada, New Hampshire, New Mexico, New York, North Carolina, North Dakota, Ohio, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin

Tax lien certificates are issued immediately upon the failure of the property owner to pay. These forms describe a lien on the property. The liens are generally in first position over every other encumbrance on the property, including liens secured by loans against the property.
Tax lien states are Alabama, Arizona, Arkansas Colorado, Florida, Illinois, Indiana, Iowa, Kentucky, Maryland, Mississippi, Missouri, Montana, Nebraska, New Jersey, North Dakota, Ohio, Oklahoma, Oregon, South Carolina, South Dakota, Vermont, West Virginia, and Wyoming. The District of Columbia is also a tax lien jurisdiction

О чем это? А о том, что в случае неуплаты налога на недвижимость, который в США рассчитывается из коммерческой стоимости и в некоторых случаях (Нью Джерси, к примеру) доходит до 3.5% от всей стоимости недвижимости, собственность просто захватывается государством в лице штата или федералов и продается с молотка, причем начальная стоимость - это величина неуплаченного налога. Также стоит заметить, что после продажи собственности, государство первым взымает недоимки, а потом уже деньги получают заимодатели (банки).

И пример из жизни как это выглядит:

Movers carted out his easy chair, his clothes, his television. Next came the things that were closest to his heart: his Marine Corps medals and photographs of his dead wife, Martha. The duplex in Northeast Washington that Coleman bought with cash two decades earlier was emptied and shuttered. By sundown, he had nowhere to go.
All because he didn’t pay a $134 property tax bill.
The retired Marine sergeant lost his house on that summer day two years ago through a tax lien sale — an obscure program run by D.C. government that enlists private investors to help the city recover unpaid taxes.
But under the watch of local leaders, the program has morphed into a predatory system of debt collection for well-financed, out-of-town companies that turned $500 delinquencies into $5,000 debts — then foreclosed on homes when families couldn’t pay, a Washington Post investigation found.
As the housing market soared, the investors scooped up liens in every corner of the city, then started charging homeowners thousands in legal fees and other costs that far exceeded their original tax bills, with rates for attorneys reaching $450 an hour.

Бывший морпех, старик (привет ветеранам от любящего государства!) задолжал 134 доллара налогов и был выкинут из дома, который был в свое время полностью выплачен за наличные. И выселили его по сути коллекторы, которым государство, столь заботящееся о пенсионерах и ветеранах, не то что... ну сами знаете где, просто продало его долг. Ну а коллекторы накрутили проценты в десятки раз - и вот оно.
Tags: Америка, жулики и воры

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