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About Cottage Grove sentinel. (Cottage Grove, Or.) 1909-current | View Entire Issue (Aug. 22, 2018)
8A • COTTAGE GROVE SENTINEL • AUGUST 22, 2018 GOALS from A1 a bipartisan deal in the 2019 session in regards to the bud- getary issues facing local gov- ernments as well as the state- wide issue. “Cost increases are simply outpacing revenues — even in a booming economy — and there is no relief in sight. Revenue reform and cost con- DRAIN from A1 “It was officers we knew and they said ‘Rick, Teresa, you have to go.’ And they gave us 30 minutes to get everything,” Teresa said. It was the result of a Writ of Assistance that came after 11 years of back and forth be- tween the Heibs and Chase Bank over a mortgage the cou- ple says it never stopped paying until a misunderstanding over flood insurance and a foreclo- sure that the couple’s lawyer says is like nothing they’ve ever seen before. In 2006, just before nation- al attention would turn to the housing crisis and in the mo- ments before “under water” would become a universal phrase more associated with mortgages than swimming pools, the Heibs’ mortgage loan was transferred to Chase Bank. That’s when, according to Joe Shapiro, an attorney at Clarke Balcom Law in Portland, says the bank improperly assessed flood insurance charges against the Heibs’ account. “They were already paying flood insurance through their homeowner’s insurance,” Sha- piro said. Based on the alleged absence of flood insurance payments, Chase reportedly declared the Heibs to be in default and be- gan the process of a non-judi- cial foreclosure sale. “They told us if we gave them $2,500 it would make up those payments,” Teresa said, explaining that, rather than allowing the foreclosure to go forward, the couple opted to pay the $2,500 in December of 2006. However, Shapiro says Chase did not accept the pay- ment the couple tendered and the house was sold. A trustee’s deed was recorded on Jan. 23, 2017, transfering the title of the property to a new owner that the Heibs began renting from. According to a representa- tive of Chase bank, there was no payment made on the prop- erty since the deed was trans- ferred to Chase in 2008. When asked if the new owner made payments on the property af- ter purchasing it and owning it for several years, the Chase representative again noted that there had been no payments since 2008. When asked if the initial foreclosure was initiat- ed due to flood insurance, the representative said she was un- aware of anything to do with the flood insurance. And while Chase notes the tainment are needed…” the statement read. It went on to detail the proposed reforms including a request that the state’s constitution be altered in regards to property taxes. The proposed changes, as detailed by the league, would transition to a market-based property tax valuation system instead of the current system that allows taxing districts to calculate their own levy based on budget needs. Measure 50 created permanent rates and capped growth in assessed val- ue to three percent. In addressing its efforts to- wards PERS reform, the league wrote, “The league will seek legislation to modernize the PERS investment pool, en- sure proper financial controls are adhered to, and give cit- ies greater voice in how their monies are invested. Further, the league will advocate for legislation that calls for the risks and costs of the pension to be shared by employees, but in a manner that impacts em- ployees through an equitable calculation.” The league, which does not vote on legislation, will lobby on behalf of all six issues and proposed legislation during the 2019 season. deed of trust was not trans- ferred to them until 2008, on Feb. 27, 2007, a letter was sent to the new owner of the prop- erty from Chase stating that, “the Heibs were not in default at the time of the foreclosure sale. Accordingly, the foreclo- sure sale was not valid under Oregon law.” “Despite acknowledging the invalidity of the sale, four and a half years went by before Chase restored title to the property to the Heibs,” Shapiro noted in outlining a timeline of the fore- closure. “Throughout this peri- od, Chase continued to assess late fees and assessment, and to send statements to the Heibs, even though Chase’s mortgage on the Heibs house had been extinguished by the sale…” Teresa and Rick continued to live in the home, just a few blocks away from their daugh- ter and a short drive from Rick’s father, who has begun to suffer from dementia and doesn’t always understand why — after being placed in an as- sisted living care facility — he hasn’t been able to live with his son. “If the doctors say it’s ok, then after we get the roof fixed on his place and fix it up, we’ll be able to get him back there,” Teresa said. Rick, a veteran and man of few words, instead deferring to Teresa much of the time, added that the couple has taken over the mortgage of his father’s house, making the payments so he might be able to return if given the greenlight by his doctors. “It’s been very, very difficult but I saved every piece of pa- per they sent me,” Teresa said. “Something told me I better save everything and I did.” But according to Shapiro and the Heibs, “everything” did not include the “correction of er- ror” recorded to restore the property to the Heibs in July of 2011 — at least not until a few months later. “After title to the property was back in the Heibs’ name, Chase could not provide an accurate accounting of the mortgage,” Shapiro noted on his timeline. “Many improper charges, fees, and assessments had been added to the balance.” According to Shapiro, the Heibs were not given any cred- it against the principle for all the payments they had made in the interim, which would have reduced the principle balance if not for Chase’s improper sale. In July 2014, the Heibs reached an agreement with Chase to pay off the loan for $45,000. “The Heibs had qualified for a loan and made arrangements for the pay-off. However, the bank making the loan was unable to make the payment on time because of a delay by FEMA. Although this de- lay was no fault of the Heibs, Chase again refused to accept the payment,” said Shapiro. Another foreclosure pro- cess was initiated and on Dec. 1, 2014, Chase filed a judicial foreclosure stating that the Heibs owed $129,442.86. After submitting a response to the bank, missing a hear- ing because they did not have legal representation and were unaware of their required presence and having the fore- closure granted, the Heibs say they continued to communi- cate with Chase but were un- able to obtain an accurate ac- counting of what was owed on the property. On July 7, 2011, a sher- iff ’s sale of the property went through for $93,000 and, by April 4, two sheriff ’s deputies were at the Heibs’ front door. Shapiro said he expects a case like this to take years, not months; an unfortunate fact for a couple in their 70s. “It’s family but, you know, you feel like a burden,” Tere- sa said, sitting on the couch in her daughter’s living room while Rick leaves deals with the roofing team — a friend who agreed to give the couple a deal — for his father’s house. But before heading out he adds, “I don’t know what to say about it. I’m a veteran and they call these the golden years but you drive down the road and it’s hard not to turn down that street and just go home.” Shady Oaks’ Classic Car Show SAVE THE DATE September 8, 2018 Hope to see you this weekend at the antique pop-up! Shady Oaks Plants & Produce It’s the Place to Be!!! CAR SHOW REGISTRATION 77380 Hwy. 99 South Cottage Grove shadyoaksplantsandproduce.com NOW AVAILABLE! Heraej=bbkn`]^haHqtqnu Assisted Living and Memory Care Apartments Our beautiful community is designed for those who need assistance or have memory impairments. You can be assured that you or your loved one will receive the best in care along with compassionate personal attention from our well trained staff. Call or stop by for more information and a personal tour! We are available 7 days a week! 1500 Village Dr., Cottage Grove, OR 97424 T 541-767-0080 www.MiddlefieldOaks.com EARTHLINK INTERNET HIGH SPEED INTERNET Enjov big-time Internet speeds without spending big bucks! Get Connected for as low as Get Connected for as low as 14.95/mo. $ first 12 months HyperLinkh Satellite Internet High-Speed Internet CONTACT YOUR LOCAL AUTHORIZED RETAILER 49.99/mo. For the first 3 months (Offers varv bv speed & location) Connection speeds up to 75 Mbps* What you get with HughesNet Satellite Internet: ! 50X faster than DSL!!** ! High speed with fiber optic technology ! Fast speeds up to 25 Mbps ! Available everywhere ! Fast download time for streaming videos, music and more! ! Larger data allowance (up to 50 GB per month) 855-977-9436 Speed performance allowing vou to stream & download shows, music, photos, large files and more on multiple devices HughesNet is a registered trademark of Hughes Network Systems, LLC, an EchoStar company. The HughsNet Gen5 service plans are designed to deliver download speeds of 25 Mbps and upload speeds of 3 Mbps, but individual customers may experience different speeds at different times of the day. Speeds and uninterrupted use are not guaranteed and may vary based on a variety of factors including: the configuration of your computer, the number of concurrent users, network of Internet congestion, the capabilities and content of the websites you are accessing, network management practices as deemed necessary, and other factors. When you connected to HughesNet service using Wi-Fi, your experience will vary based on your proximity to the Wi-Fi source and the strength of the signal. *Speeds may vary depending on distance, line quality and number of devices used concurrently. Subject to availability. Some prices shown may be introductory offers. Equipment fees, taxes and other fees and restrictions may apply. **Speed comparison based on 1.5 Mbps DSL. PRICES VALID NOW THRU TUESDAY, SEPTEMBER 4TH, 2018 Hours: Mon-Fri 8:30am-6:00pm, Sat 9am-6pm, Sun 11am-4pm 118 Gateway Blvd., CG (Next to Bi-Mart) 541-942-7377 Worship Directory DRAIN: HOPE U.M.C. 131 W “A” St. Drain, OR 541-315-1617 Pastor: Lura Kidner-Miesen Fellowship & Song: 11:30am Potluck Lunch: 12:00pm Worship: 12:30pm Delight Valley Church of Christ 33087 Saginaw Rd. East 541-942-7711 Pastor: Bob Friend Two Services: 9am - Classic in the Chapel 10:30am - Contemporary in the Auditorium COTTAGE GROVE: 6th & Gibbs Church of Christ 195 N. 6th St. • 541-942-3822 Pastor: Aaron Earlywine Summer Service: 9:30 am Christian Education: Pre-K through 5th www.6thandgibbs.com First Baptist Church 301 S. 6th st • 541-942-8242 Interim Pastor: Reed Webster Sunday School 9:30am Worship Service 11:00am Youth Wednesday 6:30pm cgfi rstbaptist.com Calvary Baptist Church 77873 S 6th St • 541-942-4290 Pastor: Riley Hendricks Sunday School: 9:45am Worship: 11:00am The Journey: Sunday 5:00pm Praying Thru Life: Wednesday 6:00pm First Presbyterian Church 3rd and Adams St 541-942-4479 Pastor: Karen Hill Worship: 10:00am Sunday School: 10:00am www.cgpresbynews.com Calvary Chapel Cottage Grove 1447 Hwy 99 (Village Plaza) 541-942-6842 Pastor: Jeff Smith Two Services on Sun: 9am & 10:45am Youth Group Bible Study Child Care 10:45am Service Only www.cgcalvary.org Hope In The Grove 700 E. Gibbs • 401-855-5668 Pastor: Wayne Husk Sunday services: Worship: 9am Coffee Fellowship: 10:15am Bible Study: 10:30am Center for Spiritual Living 700 Gibbs Ave. (Community Center) Rev. Bobby Lee Meets Sunday 3:00 p.m. cslcottagegrove@gmail.com Church of Christ 420 Monroe St • 541-942-8565 Sunday Service: 10:30am Cottage Grove Bible Church 1200 East Quincy Avenue 541-942-4771 Pastor:Bob Singer Worship 11am Sunday School:9:45am AWANA age 3-8th Grade, Wednesdays Sept-May, 6:30pm www.cgbible.org Cottage Grove Faith Center 33761 Row River Rd. 541-942-4851 Lead Pastor: Kevin Pruett www.cg4.tv Full Childrenʼs Ministry available Service: 10:00am Hope Fellowship United Pentecostal Church 100 S. Gateway Blvd. 541-942-2061 Pastor: Dave Bragg Worship: 11:00am Sunday Bible Study: 7:00pm Wednesday www.hopefellowshipupc.com “FINDING HOPE IN YOUR LIFE” Our Lady of Perpetual Help and St. Philip Benizi Catholic Churches 1025 N. 19th St. 541-942-3420 Father: Joseph Hung Nguyen Holy Mass: Tue-Thu: 8:30am; Sat:5:30pm Sun: 10:30am Confession: After daily mass, Sat. 4-5pm or by appointment St. Philip Benizi, Creswell 552 Holbrock Lane 541-895-8686, Sunday: 8:30am St. Andrews Episcopal Church 1301 W. Main • 541-767-9050 Rev. Lawrence Crumb “Church with the fl ags.” Worship: Sunday 10:30am All Welcome Seventh-day Adventist Church 820 South 10th Street 541-942-5213 Pastor: Kevin Miller Bible Study: Saturday, 9:15 am Worship Service: Saturday, 10:40 Mid-week Service: Wednesday, 1:00 Trinity Lutheran Church 6th & Quincy • 541-942-2373 Pastor: James L. Markus Sunday School & Adult Education 9:15am Sunday Worship 10:30 am Comm. Kitchen Free Meal Tue & Thur 5:00pm TLC Groups tlccg.com United Methodist Church 334 Washington • 541-942-3033 Pastor:Lura Kidner-Miesen Worship: 10:30am Comm. Dinner (Adults $5, Kids Free) 1st & 3rd Monday 5-6:00pm umcgrove.org Non-Denominational Church of Christ 1041 Pennoyer Ave 541-942-8928 Preacher: Tony Martin “VICTORY” Country Church Sunday Bible Study:10:00am Sunday Worship:10:50am & 5:30pm 913 S. 6th Street • 541-942-5913 Pastor: Barbara Dockery www.pennoyeravecoc.com Worship Service: 10:00am Message: “WE BELIEVE IN Old Time Gospel Fellowship MIRACLES” 103 S. 5th St. • 541-942-4999 Pastor: Jim Edwards CRESWELL: Sunday Service: 10:00am Join in Traditional Christian Worship Creswell Presbyterian Church 75 S 4th S • 541-895-3419 Rev. Seth Wheeler Adult Sunday School 9:15am Sunday Worship Service 10:30 am website www.creswellpres.org Worship With Us! Our Worship Directory is a weekly feature in the newspaper. If your congregation would like to be a part of this directory, please contact the Cottage Grove Sentinel @ 541-942-3325