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Thursday, March 28, 2024
"Navigating Tax Foreclosure: Your Path to Financial Freedom with Maryland House Pros, LLC"
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Hello, fellow homeowners! I'm Kerry Woods, founder of Maryland House Pros, LLC. We specialize in providing solutions for homeowners facing tax foreclosures and other situations. If you find yourself in a challenging financial situation and are considering your options, we're here to help. In this blog post, we'll explore the intricacies of tax foreclosure in Maryland and how our services can provide relief.
Understanding Tax Foreclosure vs. Mortgage Foreclosure
Tax foreclosure operates differently from mortgage foreclosure, although both involve accrued arrears. In a mortgage foreclosure, the property itself is sold, and the homeowner loses ownership. However, in tax foreclosure, it's the tax lien that's sold, giving the purchaser the right to request fee simple title to the property.
The Foreclosure Sale Process
The Collector follows a structured notification process, including sending notices to homeowners before the sale. Exceptions exist for certain properties based on value or homeowner status. The sale itself is a public auction, with bidding open to all interested parties. After the sale, the purchaser receives a Certificate of Sale (COS), which expires if no further action is taken.
Redeeming the Property
Homeowners have the right to redeem the property after a tax sale by paying all outstanding arrears. This redemption period is critical for homeowners seeking to retain ownership. However, if redemption doesn't occur within the specified timeframe, the purchaser can initiate a foreclosure action.
How Maryland House Pros, LLC Can Help
If you're facing a tax foreclosure and don't plan on redeeming your property, Maryland House Pros, LLC, offers a solution. We specialize in purchasing homes facing tax foreclosures, providing homeowners with a way out of their financial distress. Our streamlined process ensures a hassle-free experience, allowing you to move forward with peace of mind.
Conclusion: Taking Control of Your Financial Future
Facing a tax foreclosure can be overwhelming, but you're not alone. Maryland House Pros, LLC, is here to support you every step of the way. Whether you choose to redeem your property or sell to us, we're committed to finding the best solution for your unique situation. Don't let financial hardship dictate your future—take control with Maryland House Pros, LLC.
Thursday, February 8, 2024
FCC Decision: Ban on Robocalls Employing AI-Created Voices to Combat Scams
On Thursday, the Federal Communications Commission (FCC) declared an immediate ban on deceptive robocalls utilizing fabricated voices generated by artificial intelligence (AI), aiming to curb the misuse of "deepfake" technology that poses threats to election security and fraud acceleration.
In a unanimous decision, the FCC expanded its regulations against unsolicited AI deepfake calls, categorizing such voices as "artificial" within the framework of the federal law overseeing telemarketing and robocalling.
This move by the FCC empowers state attorneys general with additional legal tools to pursue those illicit robocallers employing AI-generated voices to deceive the public, according to the FCC's official statement.
FCC Chairwoman Jessica Rosenworcel emphasized the misuse of AI-generated voices in unsolicited robocalls, noting instances where bad actors exploit vulnerable individuals, impersonate celebrities, and disseminate misinformation to voters. She stated, "We're putting the fraudsters behind these robocalls on notice."
The decision to broaden the interpretation of the 1991 Telephone Consumer Protection Act (TCPA) to encompass AI-generated voices followed a recent incident where a fake robocall, impersonating President Joe Biden, targeted voters in New Hampshire, urging them not to participate in the state's primary.
This week, authorities linked the fake calls to a Texas man and two companies, suggesting an ongoing investigation that may result in civil and criminal penalties.
Under the updated regulations, individuals seeking to make robocalls must obtain explicit consent from the called party before using AI-generated voices. The FCC's announcement implies that scam robocalls featuring cloned voices will face the same fines and consequences as those without AI technology.
Violations of the TCPA can result in substantial civil penalties. In 2021, the FCC proposed a $5 million fine against right-wing operatives Jacob Wohl and Jack Burkman for allegedly employing illegal robocalls to discourage voting in the 2020 election.
While the FCC adapts its interpretation of federal law, some lawmakers propose direct revisions to further deter illegal robocallers. House Democrats introduced legislation this year aiming to double the TCPA's maximum penalties when AI is involved in robocall violations.
Senior Counselor at the Benton Institute for Broadband & Society, Andrew Schwartzman, praised the FCC's move as a significant step forward. He cautioned that it might not entirely prevent bad actors but acknowledged that it equips the FCC with tools to act promptly and discourage companies facilitating such practices.
The FCC has the authority to disconnect phone providers persistently facilitating illegal robocalls from the US telephone network, as part of a broader crackdown by state and federal officials on illegal robocalls.
MarylandHousePros.com
Tuesday, February 6, 2024
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