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The Valencian lawyer specialized in foreclosures María José Alamar, from the Aliter Abogados law firm, insists that the profile of the claimants of defaults has changed because the banks are committed to getting rid of the debt as soon as they begin to have problems to collect. “The vulture funds do not shake their hands when it comes to recovering property because they live disconnected from the social realities where they operate,” he says. The lawyer specifies that “90% of the mortgage claims for non-payment that go to trial are in the hands of vulture funds. The banks are only left with houses that have been renovated and have gained value on the appraisal and real estate that were owned by companies. In this way, they circumvent the laws passed in recent years to protect vulnerable families who signed the mortgage in good faith.
Lawyers point out that banks have been selling problem mortgages to investment funds for two decades, but now the profile of buyers has changed. “Those investment funds have resold the credit to vulture funds because they are aware that they are difficult debts to collect. There are mortgages that have been sold up to five times for a portion of their initial value. Those vulture funds know that they are not going to get anything without putting pressure on the debtors because many have nothing. They come to show up at work to pressure them, ”says María José Alamar, who is a doctor in law, collaborates with the Habitatge Chair at the Polytechnic University of Valencia and carries out 150 eviction procedures.
The lawyer insists that this type of funds based in tax havens “are doing good to the banks. In the end, you put a face on the banks, but that has changed. Such a fund may be in Luxembourg and it is impossible to meet with it. They represent investors who are looking for a return and are not aware of the reality of the person they are suing.
Despite the legal limits to protect consumers, these types of companies charge up to an interest rate of 29% for the delay. “I had the case of a mortgage of 147,000 euros for which they asked for 100,000 euros for late payment interest,” says Alamar.
Banks, according to the same sources, are selling problem mortgages for between 10% and 40% of the remaining debt. The Government approved a law in 2019 to protect consumers and from that moment on, legal proceedings can only be initiated against a debtor when he accumulates 12 unpaid installments in the first part of the life of the mortgage and 15 installments during the second part. However, the lawyer specializing in evictions points out that with the entry of vulture funds, these types of measures have become outdated. “They were rules designed to protect consumers from banks and now we have vulture funds in front of us,” he laments.
There are funds that have been made in C. Valenciana with entire farms from Sareb. Some want to convert the real estate of these buildings into tourist flats.
Lawyer María José Alamar explains that a law approved in 2013 “served to partially alleviate the bleeding of evictions and protected many people who were one step away from social exclusion. Eight years have passed since then and the stoppage of evictions of vulnerable people has been extended until May 2024. At Aliter Abogados we have been warning for some time, and nobody takes us into account, that we are facing a serious social problem ». «In Valencia alone I have seventy families in this situation. But at one point or another, suddenly, all these vulnerable consumers who are borrowing in homes that were theirs will end up on the streets. It is a problem that is not talked about and a solution is not sought, and it will eventually explode. Public housing policies are necessary to avoid these situations of vulnerability “, highlights Alamar.
The dream of entering the Playoffs at Charlotte Hornets last Tuesday when he was beaten to the Indiana Pacers in the first game of the Play-In. It is the fifth consecutive season they have missed out on making the postseason. In that sense, the owner Michael Jordan and the technical staff of the franchise began to point towards the weak points of the team.
A couple of them are point guard Devonte Graham, who has been a solid bet on the team, and edge Malik Monk, who has had a career rebirth in the past two seasons. On the other hand, the contracts of Bismack Biyombo and Cody Zeller, two centers that already have scrolls within the league, will expire.
On this last point, the team led by James Borrego will have a bet to make during the summer market: Daniel Theis. The German had a split season between the Boston Celtics and the Chicago Bulls.
In his senior year, he averaged 9.6 points and 5.5 rebounds in 24 minutes on the court, missing the postseason with the Bulls. The European was a valuable part of Boston’s gear in the past and still has a lot of fabric to cut in the NBA. Manage to convince him in the next few months?
Juan Ignacio Alburquerque
Pick and Roll
(ANSA) – NEW YORK APR 7 – An organization is placing sanitation units to wash hands and have access to clean water under bridges and in parks in Atlanta, Georgia, as a way to “foster a sense of dignity for the most in need “amid the coronavirus pandemic
The company Love Beyond Walls is in charge of installing the spaces to wash the hands for those who do not have access to a sink and water
“The coronavirus hit and the public places where they went to wash their hands (restaurants, libraries, stores, etc.) were closed,” said Terence Lester, who runs Love Beyond Walls, an award-winning Atlanta-based organization that has reinvented the way to help and advocate for the homeless
Lester spent almost half of his life helping people facing homelessness live with dignity
As the pandemic began to spread through large cities, where the “homeless” generally inhabit the most and push hospitals to their best capacity, Lester understood the existential challenges these people would face in trying to avoid contracting the deadly virus.
Something so simple and so essential in the pandemic, like washing your hands, would be impossible for the homeless
An idea occurred to his wife, Cecilia Lester, while she was in the family kitchen one night last year.
Place portable sinks throughout the city so that the homeless could wash their hands without problems
Soon after, they created Love Sinks In: portable sanitary units that hold several liters of water and include hand soap.
Lester found a vendor in Florida who built the sinks, which cost $ 100 each and were paid for primarily by donations.
Rapper Lecrae bought the first 15
Initially, 51 toilets were placed under bridges, in parks and other places around Atlanta where the city’s 3,200 homeless people gathered.
The concept was so well received that Love Sinks In is now in 52 cities, including Dallas, Chicago and Columbus, Ohio.
“The laws have created this framework that being poor or experiencing homelessness means that you are a criminal or that you have done something,” said Lester, 38. “So there has been this social isolation that they experience”
“Our work is deeply rewarding. We work primarily with African-Americans who confront systemic racism that leads to impoverishment,” he continued
The remarkable thing about the pandemic has shown the advancement of science, at a clinical and molecular level. With the new knowledge, the urgent obligation to intervene in the behavior of people, their mobility and the reduction of contacts, the increase of care for people with greater risk with the increase of family and community solidarity has been defined, observing a global recognition of public health. Think not only individually, but in the well-being of others, give more to those who do not have, understanding that illness and health reach us all. Spiritual values are increased over materials
Preserving life as the most important thing in existence, with an obligatory stop along the way for reflection, with the rebirth of good customs and hygienic-sanitary behaviors, highlighting hand washing, and cough and sneeze labels . I hope the cleaning of areas, surfaces and objects will become a permanent obligation for the benefit and better control of communicable diseases. The improvement in health knowledge with the participation of governments, leaders and a large number of citizens, around updated medical knowledge, with greater participation of unions, merchants, politicians and in general of almost all components of the communities is important. , for support in decisions and new regulations.
There has been a great improvement in record time in medical care, staff preparation, hospital facilities, staffing, mainly in intensive care areas. Although the response of some EAPB or EPS has been defective, for outpatient care, intense modifications are expected for the future.
Despite some controversial measures, the country shows some indicators that the pandemic has entered a decline in the cities where it was initially causing more damage. Decrease in deaths, although the number of infections still persists and grows in some populations.
The desire to reactivate activities does not seem to wait, due to the enormous economic and psychological damages, it is feared that, as has happened in other countries, the lack of self-care and non-compliance with the rules could lead us to a phase of regression to the epidemic Hence, the most important of the good is to restart activities with compliance with the rules. Preserving a health system armed by urgency, social distancing, epidemiological fences in growing sectors, reinforcing cities that are not properly strengthened, and having the hope of a vaccine in whose advanced phase we must participate.
Recognizing that health workers have been the heroes of this pandemic creates merit so that their work is finally rewarded with dignity.
The criticisms and mistakes made must be clarified and corrected so as not to commit them again, evaluating them is an obligation to guide the path of COVID-19 disasters.
A group of experts assembled by the World Health Organization examined the evidence on COVID-19 and its transmission in children, as well as the limited evidence available on child use of masks.
Based on that analysis and taking into account other factors, such as psychosocial needs and developmental milestones of children, WHO and the UN Children’s Fund (UNICEF) recommended that the use of a mask should not be mandatory for children under five years of age, for the sake of the safety and general interest of the child and given their inability to properly use a mask with minimal assistance.
The WHO and UNICEF recommend that children from 12 years of age use a mask in the same cases as adults, particularly when a minimum distance of one meter from others cannot be guaranteed and there is widespread transmission in the area.
Organizations advise, however, to always consult and respect the practices recommended by local authorities.
The masks that children should use
Generally healthy children can wear cloth or hygienic masks. In this way, it is possible to control the origin, that is, to avoid transmitting the virus to other people if the child is infected and is not aware that it is.
The adult providing the cloth mask should ensure that it is the correct size and sufficiently covers the child’s nose, mouth and chin.
Children with underlying health problems such as cystic fibrosis, cancer, or immunosuppression should, in consultation with their healthcare providers, wear medical or surgical masks.
Medical masks reduce the spread of the virus and protect the user and are recommended for anyone who is at higher risk of becoming seriously ill from COVID-19.
The correct way to use the mask
Children should follow the same principles as adults regarding the use of masks. This includes cleaning your hands before putting on the mask for at least 20 seconds if using a hydroalcoholic gel or at least 40 seconds if using soap and water.
Make sure that the mask is the right size to cover the nose, mouth, and chin. Children should be taught to use the mask correctly and, among other things, not to touch the front of the mask, not to pull it towards the chin or to put it in their mouth. They should keep the mask in a bag or envelope and not share it with anyone.
Masks for children with COVID-19
All children with symptoms suggestive of COVID-19 should wear a medical mask for as long as they can handle it. The child should be isolated and seek medical help as soon as she begins to feel ill, even if the symptoms are mild. Family members or caregivers who come within a meter of the sick child at home must also wear a mask.
Any household member who is ill or has tested positive for COVID-19 should isolate themselves from everyone else, if possible. If the child comes within one meter of a sick person at home, both the adult and the child should wear a medical mask during that time.
Masks and sports
It is not recommended for children to wear the mask while playing sports or physical activities, such as running, jumping or playing on the playground, so that it does not affect their breathing. When organizing these types of activities for children, it is important to apply the rest of the fundamental public health measures: maintain a minimum distance of one meter from others, limit the number of children who play together, facilitate access to facilities for hand hygiene and encourage their use.
Masks and visors as an alternative option
In the context of COVID-19, some children may not be able to use masks, either due to certain disabilities or in specific situations, such as speech therapy classes, in which the teacher needs to see their mouths.
In these cases, face shields can be considered an alternative to face masks, but they do not provide equivalent protection to avoid transmitting the virus to others.
If you decide to use a mask, it must cover the entire face, surround it on both sides and extend below the chin. In addition, care must be taken when using them to prevent them from breaking and causing injury to the eyes or face.
Adults should use a mask with children
In areas of widespread transmission, all adults under the age of 60 and in general good health should wear a cloth mask when they cannot guarantee a distance of at least one meter from others. This is particularly important for adults who work with children and who may have close contact with children and with each other.
People 60 and older and those with an underlying condition, such as heart disease, diabetes, or lung cancer, should wear a medical or surgical mask, as they are at higher risk of becoming seriously ill from COVID-19.
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