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.”
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Hours: Mon-Fri 8:30am-6:00pm, Sat 9am-6pm, Sun 11am-4pm
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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
