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<div><FONT face="Arial, Helvetica, sans-serif">This is not construction law and should be opposed by the CLC.</FONT></div>
<div><FONT face="Arial, Helvetica, sans-serif"></FONT> </div>
<div><FONT face="Arial, Helvetica, sans-serif">BARRY KALMANSON</FONT><br>
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<div style="FONT-FAMILY: arial,helvetica; COLOR: black; FONT-SIZE: 10pt">-----Original Message-----<br>
From: Justin Zinzow <JZinzow@zinzowlaw.com><br>
To: RPPTL constructionlaw <constructionlaw@lists.flabarrpptl.org><br>
Sent: Fri, Oct 7, 2011 12:24 pm<br>
Subject: Re: [RPPTL-constructionlaw] Foreclosure-Related Bills Filed<br>
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<div class=MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">HB 145 should really be applicable to both banks and firms given that banks are generally the ones who re-take “possession” of property. I doubt law firms are actually themselves taking possession or hiring agents to do so. Further, while it may arguably be appropriate for a bank to take possession of an abandoned property in very special circumstances before judicial approval, it should not just be after 30 days of abandonment. What does abandonment mean? Must notice be given? What proof of abandonment must exist? </SPAN></FONT></div>
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<div class=MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">Current common law indicates that even upon entry of a foreclosure judgment, ownership of the property remains vested in the property owner until the certificate of title is issued. For consistency purposes lenders should not be permitted to take possession pre-judgment without judicial approval (i.e. due process) except in the most unusual circumstances. </SPAN></FONT></div>
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<div class=MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">When lenders take possession on these residential foreclosures, many drill out existing locks, break gate access and set new lock mechanisms, and even build large wooden cages over pools or other features. These actions damage and diminish the value of the property owned by the property owner. They also interfere with existing contracts for sale and brokerage efforts because access has been changed. Further, many of our clients have had personal property stolen from their homes by those anonymous bank or law firm representatives or agents who enter without notice.</SPAN></FONT></div>
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<div class=MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">I really do not believe it appropriate for a lender or law firm to access a property without court permission or written approval from the owner. Requiring court permission would not increase the burden on the lender or the court, as courts already routinely handle such requests. The court process would at least ensure due process, which is noticeably absent from the abandonment language in this house bill.</SPAN></FONT></div>
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<div class=MsoNormal><FONT color=navy size=2 face=Arial><SPAN style="FONT-FAMILY: Arial; COLOR: navy; FONT-SIZE: 10pt">At an absolute minimum, the bill should be clarified to define abandonment precisely for fairness, and indicate that the abandonment language is intended not to create new rights for banks or law firms, but rather, to clarify that re-taking possession of abandoned property is not a violation of FDUTPA; it may very well be a violation of other laws or contracts. </SPAN></FONT></div>
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<div style="mso-element: frame" class=MsoNormal><B><FONT color=navy size=2 face=Calibri><SPAN style="COLOR: navy; FONT-SIZE: 11pt; FONT-WEIGHT: bold">Justin R. Zinzow | Zinzow Law</SPAN></FONT></B><B><FONT color=navy size=3><SPAN style="COLOR: navy; FONT-SIZE: 12pt; FONT-WEIGHT: bold"></SPAN></FONT></B></div>
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<div class=MsoNormal><B><FONT size=2 face=Tahoma><SPAN style="FONT-FAMILY: Tahoma; FONT-SIZE: 10pt; FONT-WEIGHT: bold">From:</SPAN></FONT></B><FONT size=2 face=Tahoma><SPAN style="FONT-FAMILY: Tahoma; FONT-SIZE: 10pt"> </SPAN></FONT><FONT size=2 face=Tahoma><SPAN style="FONT-FAMILY: Tahoma; FONT-SIZE: 10pt"><A __removedLink__1275253865__href="mailto:constructionlaw-bounces@lists.flabarrpptl.org">constructionlaw-bounces@lists.flabarrpptl.org</A> [<A __removedLink__1275253865__href="mailto:constructionlaw-bounces@lists.flabarrpptl.org?">mailto:constructionlaw-bounces@lists.flabarrpptl.org</A>] <B><SPAN style="FONT-WEIGHT: bold">On Behalf Of </SPAN></B>Reese J. Henderson, Jr.<br>
<B><SPAN style="FONT-WEIGHT: bold">Sent:</SPAN></B> Friday, October 07, 2011 10:45 AM<br>
<B><SPAN style="FONT-WEIGHT: bold">To:</SPAN></B> RPPTL constructionlaw<br>
<B><SPAN style="FONT-WEIGHT: bold">Subject:</SPAN></B> [RPPTL-constructionlaw] Foreclosure-Related Bills Filed</SPAN></FONT><FONT size=3 face="Times New Roman"><SPAN style="FONT-FAMILY: ; FONT-SIZE: 12pt"></SPAN></FONT></div>
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<div class=MsoNormal><FONT size=2 face=Calibri><SPAN style="FONT-SIZE: 11pt">CLC Members,</SPAN></FONT></div>
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<div class=MsoNormal><FONT size=2 face=Calibri><SPAN style="FONT-SIZE: 11pt">We have been asked by the RPPTL Section leadership to provide comments on the attached proposed legislation, if we have any. Please let me have your comments no later than next <B><SPAN style="FONT-WEIGHT: bold">T</SPAN></B><B><SPAN style="FONT-WEIGHT: bold">hursday, October 13</SPAN></B>, so that I can incorporate them into a consolidated response.</SPAN></FONT></div>
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<div class=MsoNormal><FONT size=2 face=Calibri><SPAN style="FONT-SIZE: 11pt">Thanks,</SPAN></FONT></div>
<div class=MsoNormal><FONT size=2 face=Calibri><SPAN style="FONT-SIZE: 11pt">Reese</SPAN></FONT></div>
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<div style="MARGIN: 0in 0in 0pt"><STRONG><B><FONT size=3 face="Times New Roman"><SPAN style="FONT-SIZE: 12pt">Reese J. Henderson, Jr.</SPAN></FONT></B></STRONG><FONT size=1><SPAN style="FONT-SIZE: 9pt"></SPAN></FONT></div>
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