G
Gmcclarine
Guest
- Jurisdiction
- Maryland
Not sure if it worth taking to court. I don't want to waste money and I am not sure what basis to file under; as well as, can I ask the HACF to pay my lawyer fees if I win?
The other worry is will a lawyer be willing to fight a case that is suing a City that they practice in or will they be bias?
Back Story- I purchased my home under the HOPE VI program which is a program (provide my the Housing of Authority of the City of Frederick (HACF) with HUD funds) that provides the difference of your home purchase that is not covered by your first mortgage. I have reached out to see how I can go about selling my home since the value has decreased since 2008. I can't rent my house until the market goes up because I must be the primary resident. My family as grown and there is no more for all of us to live here comfortably. I have reach out to every government official you can think of for help, the Senator's office took my case and finally I received a response from the HUD Field Office. I did some research and I found the following, but no one seem to be abiding by this rules (see below). Do you think I have a case to bring the HACF to court?
Based on my research my home liens should be either forgiven or reduced; however, several employees from the City and County of Frederick have told me that I must pay all of the funds back. Under the HOME regulations at 92.254 and Affordable Housing Training, issued under HUD those statements from the City and County employees are not accurate. For example, HACF employee, o stated in an email on January 20, 2016, that I must repay the whole amount of my loan ($13K). This loan was funded by Community Development Block Grant (CDBG) Program, which means that any loan under $15K should be removed and forgiven after 5 years per CDBG guidelines.Keep in Mind I have 5 other liens on my home with different values. I wish I would have understood all this when purchasing my home at the age of 24.
When HUD awarded the HOPE VI grant to the City and County of Frederick, housing program managers were supposedly received a training provided by HUD on how the funding and program should operate. I have obtained a copy of the HOME-CDCB Handbook and this handbook outlines specific duties and responsibilities as to how to execute the HOPE VI program.
I have asked on several occasions if someone can guide me in the right direction as to which government office, city or Federal, would be in the position to re-examine my case and I have only received a name for a Housing Counselor by the name of Joe Baldi, who was unable to assist me with my matter.
I have done excessive research regarding this situation
Below are some websites that I have found regarding HUD funded programs
REF: Pages 14-19 http://www.hud.gov/offices/cpd/affordablehousing/training/materials/building/ch05.pdf
Pages 16, 49-60
https://www.hudexchange.info/resources/documents/HOME-CDBGGuidebook.pdf
The other worry is will a lawyer be willing to fight a case that is suing a City that they practice in or will they be bias?
Back Story- I purchased my home under the HOPE VI program which is a program (provide my the Housing of Authority of the City of Frederick (HACF) with HUD funds) that provides the difference of your home purchase that is not covered by your first mortgage. I have reached out to see how I can go about selling my home since the value has decreased since 2008. I can't rent my house until the market goes up because I must be the primary resident. My family as grown and there is no more for all of us to live here comfortably. I have reach out to every government official you can think of for help, the Senator's office took my case and finally I received a response from the HUD Field Office. I did some research and I found the following, but no one seem to be abiding by this rules (see below). Do you think I have a case to bring the HACF to court?
Based on my research my home liens should be either forgiven or reduced; however, several employees from the City and County of Frederick have told me that I must pay all of the funds back. Under the HOME regulations at 92.254 and Affordable Housing Training, issued under HUD those statements from the City and County employees are not accurate. For example, HACF employee, o stated in an email on January 20, 2016, that I must repay the whole amount of my loan ($13K). This loan was funded by Community Development Block Grant (CDBG) Program, which means that any loan under $15K should be removed and forgiven after 5 years per CDBG guidelines.Keep in Mind I have 5 other liens on my home with different values. I wish I would have understood all this when purchasing my home at the age of 24.
When HUD awarded the HOPE VI grant to the City and County of Frederick, housing program managers were supposedly received a training provided by HUD on how the funding and program should operate. I have obtained a copy of the HOME-CDCB Handbook and this handbook outlines specific duties and responsibilities as to how to execute the HOPE VI program.
I have asked on several occasions if someone can guide me in the right direction as to which government office, city or Federal, would be in the position to re-examine my case and I have only received a name for a Housing Counselor by the name of Joe Baldi, who was unable to assist me with my matter.
I have done excessive research regarding this situation
Below are some websites that I have found regarding HUD funded programs
REF: Pages 14-19 http://www.hud.gov/offices/cpd/affordablehousing/training/materials/building/ch05.pdf
Pages 16, 49-60
https://www.hudexchange.info/resources/documents/HOME-CDBGGuidebook.pdf
