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Keep Trump and Friends from Stealing Your House

 
 
The Anointed
 
  0  
Reply Sun 26 Jul, 2026 04:07 pm
@Zardoz,
Quote:
If God is speaking to people on earth through the bible, he would use a day on earth not a day on Venus.


There were no planets on the first cosmic day when God created the light of the massive first- generation hydrogen stars, in fact our solar system with its minor star (Our sun) and all its planets, was not created until the third cosmic day.

Now I realise that this would be too difficult for you to comprehend, so I won't waste time trying to explain it to you.
The Anointed
 
  0  
Reply Sun 26 Jul, 2026 04:43 pm
@steve reid,
Quote:
A question for The Anointed, what is the diameter of the Solar System


I will answer that, but first. . . . . . . . “One day is with the Lord as a thousand years.”
(Psalm 90:4, 2 Peter 3:8, Jubilees 4: 30.) A day is not defined by light alone — it is defined by a revolution. A planet turns once, that is a day. A planet orbits once, that is a year. So, if the heavens are giving a testimony, then the question becomes: Where in the heavens is there a body whose single revolution equals one thousand years? And the answer is astonishingly simple once you see it.

The “heavenly day” must be a revolution, not a metaphor. A day = one revolution of a body around its axis or around its centre. A heavenly day must therefore be a heavenly revolution. The text says one heavenly day = 1,000 earthly years. So, we are looking for: a real astronomical cycle, that takes 1,000 years, that governs the whole system and is visible in the “testimony of the heavens.” This is not symbolic. It is mechanical.

No planet in our Solar System has a 1,000 year orbit, let alone a 1,000 year revolution. Neptune: 165 years. Pluto: 248 years, Sedna, a dwarf planet beyond Pluto 11,000 years. Hypothetical Planet Nine: 10,000 to 20,000 years. Nothing in the planetary family gives you a 1,000 year revolution. So the answer must lie beyond the planets.

The only heavenly body with a 1,000 year cycle is the Solar System itself. This is the part most people never consider. The Solar System does not sit still. It rotates — not around the galactic center (that takes 230 million years = a galactic year), But around its own barycenter = one day.

The Sun does not sit at the centre of the Solar System.
It wobbles, circles, and loops around a shifting point called the barycenter — the true gravitational center of the Solar System. This motion is driven primarily by: Jupiter, Saturn, Uranus and Neptune. And the full barycentric cycle — the “great wobble” of the Sun — is approximately: nine hundreds and sixty to one thousand and fifty years depending on the alignment of the giant planets. This is the only astronomical cycle in the heavens that matches the biblical thousand year “day.” It is the heavenly day.

Why the barycentric cycle is the “day of the Lord”? Because: It is a revolution. It is cyclical. It governs the entire Solar System. It is visible in the heavens through the motions of the giant planets. It repeats approximately every 1,000 years. This is the only cycle that fits the definition of a heavenly day.

The ancients didn’t know the physics, but they saw the effects: climate cycles, historical cycles, rise and fall of empires, long wave solar activity, the thousand year rhythm of human history. They encoded it as: “A thousand years is as one day.” Because the heavens themselves complete a day like revolution every thousand years.

Our system: The Adamic week = 7 heavenly days = 7,000 years. Each heavenly day = 1,000 years. Each heavenly day corresponds to one barycentric revolution. This means: Adam’s birth begins Day 1 of our cosmic week. The patriarchal ages align with barycentric cycles. The seventh day (the Sabbath millennium) is the final barycentric cycle before the new creation. Our cosmology fits the astronomy perfectly.

In short: The “heavenly day” is not a metaphor. It is not symbolic time.
It is not mystical. It is astronomical. A heavenly day = one barycentric revolution of the Solar System ≈ 1,000 years. This is the testimony of the heavens.
0 Replies
 
Region Philbis
 
  1  
Reply Sun 26 Jul, 2026 06:27 pm
@steve reid,
Quote:
Leave the orange turd out of this
this thread's original intent.

maybe you should start a new thread about whatever the heck you're going on and on about...
steve reid
 
  1  
Reply Sun 26 Jul, 2026 11:33 pm
@Region Philbis,
Region Philbis wrote:

Quote:
Leave the orange turd out of this
this thread's original intent.

maybe you should start a new thread about whatever the heck you're going on and on about...

You're 100% right, as you have probably deduced I'm dim witted at times

To Zardoz my apologies


To The Anointed, you obviously saw where I was going with that question

The Anointed wrote:

A heavenly day = one barycentric revolution of the Solar System ≈ 1,000 years

the answer is astonishingly simple once you see it


Got it, I now see where you get the 1,000 years from, barycentric being the key, thankyou for your time and patience with me
Zardoz
 
  2  
Reply Mon 27 Jul, 2026 08:09 am
@The Anointed,
The bible was not written on the first day when God created light. It was written many millions of years later on earth. Each different culture developed a myth to explain creation. There is no end to the different myths and there will be no end to future myths. There is cottage industry that tries to resolve reality with the myths. As man's knowledge expands the area for the supernatural shrinks and the harder it becomes to resolve it to reality. You are bending over backwards to try and explain why the bible does not mean what it says when it says the world was created in six days. If you translated six days into sixty languages it would still be six days not 360 million years.

You want to believe so bad that any explanation seems reasonable to you. Reality will soon cheat you out of the ridiculous promise of eternal life and you can't accept it. Everything that lives dies no one escapes their death. It is a childhood fantasy.
0 Replies
 
The Anointed
 
  0  
Reply Mon 27 Jul, 2026 05:29 pm
@steve reid,
In response to Steve Reids question “What is the diameter of the Solar System?
Including the great heavenly vault (i.e., the full Oort Cloud), the Solar System’s diameter is about 100,000 AU, roughly 1–2 light years across.

Excluding that vault (i.e., stopping at the planetary system and Kuiper Belt), the diameter is about 63,000 AU, roughly 0.5 light years.

Diameter including the “great heavenly vault”
If by great heavenly vault you mean the outermost sphere in which the Sun was created and governs the motions of the Moon, planets, and the long period comets (i.e., the Oort Cloud), then astronomy gives a clear boundary: Outer edge of Oort Cloud: = 50,000 AU from the Sun, Full diameter: = 100,000 AU.

In light years: 1–2 light years (sources vary because the Oort Cloud is theoretical and diffuse)
This matches multiple scientific estimates: Vedantu: diameter ~100,000 AU when Oort Cloud included. CompleteEra: Solar System spans 2 light years when defined by Oort Cloud. So the Solar System with the heavenly vault is essentially a light year scale sphere.

Diameter excluding the “great heavenly vault”
If you exclude the Oort Cloud and define the Solar System only by the Sun, the planets, the Kuiper Belt, the region where the Sun’s gravitational and magnetic influence is still strong (heliosphere). Then the boundary is much closer: Heliopause: =120 AU from the Sun, Kuiper Belt outer edge: = 55 AU, Common astronomical definition (excluding Oort Cloud): 63,270 AU diameter In light years: 0.5 light years.

This comes directly from the same source: Vedantu: 63,270 AU diameter when Oort Cloud is excluded.

But Oort Cloud= “The Firmament of the heavens” the spherical cloud, was created on the second cosmic day, whereas the internal Solar System, ‘The Sun, Moon and planets, etc, were not created until the third cosmic day.

According to the Genesis narrative, it is on the second day that the Lord calls for a "firmament" to be in the "midst of the waters" to divide the waters:
"And God said, let there be a firmament in the midst of the waters, and let it divide the waters from the waters, (The Solar nebular cloud from the Galactic nebular cloud). And God made the firmament, and divided the waters which were under (or within) the firmament from the waters which were above the firmament: and it was so. And God called the firmament Heaven. And the evening and the morning were the second day." (Genesis 1:6-8 KJV)

The term "firmament" according to the Creation account, is taken from the Hebrew: רָקִיעַ raqiya` raw-kee'-ah, which is defined by many scholars as an expanse, or the visible arch of the sky:—firmament, but a primitive root; “רָקַע raqa` raw-kah” means, to pound, hammer, to overlay (with thin sheets of metal):—beat, make broad, spread abroad (forth, over, out, into plates), stamp, stretch.

The creation of the firmament is associated with the placement of some sort of structure, and in some modern Bibles and many modern scholars translate the Hebrew word raqia as a "dome" or "vault". The Hebrew language appears to imply that the firmament is a firm, fixed structure (FIRMament, which can now be seen as the spherical cloud of comets (Icy vault) in which our solar system was created from the solar nebula cloud that was divided from the greater galactic nebula cloud.

Unlike the orbits of the planets and the Kuiper Belt, which are pretty flat like a disk, the Oort Cloud is a spherical shell surrounding everything in our solar system. It's like a bubble with a thick shell. The Oort Cloud is made up of icy pieces of space debris.
"And God said, “Let there be lights within the firmament or vault to divide the day from the night; and let them be for signs, and for seasons, and for days, and years: And let them be for lights in the firmament of the heaven to give light upon the earth: and it was so. And God made two great lights; the greater light to rule the day, and the lesser light to rule the night: he made the stars also."

(Genesis 1:14-16 KJV) This verse says that the Sun, Moon, and Stars=planets of our solar system, are "within" the firmament. Therefore, the waters that are "above the firmament=dome/vault" must be above the Sun, Moon and Stars=planets of our solar system, revealing that the waters which are referred to in Psalms 148:4; "Praise him, ye heavens of heavens, and ye waters that [be] above the heavens," belong to the greater galactic nebula cloud which has become our Milky Way Galaxy.

The Oort cloud, or the Opik-Oort cloud, which is named after Jan Oort, is a spherical cloud that surrounds our solar system, a cloud of predominantly icy objects such as comets that are comprised of mainly hydrogen, oxygen=water, ammonia and methane, and extends up to about a light year from the sun and defines the cosmographical boundary of our Solar System and the region of the suns gravitational dominance. Here is the Firmament, the great spherical vault within which is found the sun, moons and planets of our solar system, the dome of ice above and around us.

Knowing that the planets of our solar system were already created before the actual sun came into existence when the hydrogen nuclei within the condensing solar cloud started fusing together to produce helium nuclei and a lot of energy thereby creating our sun, we must now ask the question, “Did life on earth begin to evolve before the creation of the sun?” As is recorded in the Bible. And can life exist without actual sunlight? Proof of this is to be found in the darkest depths of our oceans, where life has evolved around the extremely hot and noxious gas vents over six miles beneath the surface where sunlight does not and cannot penetrate.

How thick is the wall of that vault that surrounds us? It is said that Voyager one will reach in the inner wall of the Oort cloud in 300 year and it will take another 30,000 years before it will exit the outer wall of the great Dome.
Zardoz
 
  2  
Reply Tue 28 Jul, 2026 07:53 am
The question is did God create man or did man create God. The evidence that man created God is indisputable. Man made God a malignant narcissist. A superior being would not need to be worshiped by millions each week. It would be like us requiring all the ants in the neighborhood to gather around you and worship you every Sunday. Do you know any healthy individual who would want that? So where did the model for the malignant narcissist come from. Kings were the model for God they were the closest thing to a God on earth. Kings were often malignant narcissist they demanded to be worshiped, and monuments be built in their likeness. Would you demand that your ants build monuments to you? If you are not a malignant narcissist, you would not need the ants to build monuments to you in fact you would not be impressed.

Next you grant the ants eternal life so they might worship you for all eternity. This would take one sick individual even if he were not a God. A superior being would not concern himself with whether you swiped a candy bar at the corner store you would let the ants go their own way. Next you demand human sacrifices be made to curry favor with you. What benefit to a God is human sacrifice? If one of the ants was sacrificed to you, how would you benefit?

God was built using a flawed model, in fact a sick model, a superior being would never have these human sicknesses.
0 Replies
 
Zardoz
 
  2  
Reply Tue 28 Jul, 2026 08:02 am
@The Anointed,
You are trying the reverse of the boy shoveling sh*t you are trying to bury everything in BS. You can include the length of my arm in your argument if you want, but when the dust settles the BS goes away and you will have to make a real argument that does not include day one of the universe.
0 Replies
 
Zardoz
 
  2  
Reply Tue 28 Jul, 2026 08:11 am
@Region Philbis,
I have one thread that has started in 2011 before Trump got elected but they tend to be free range.

Thought this has trended toward religion. It is the Christian right that voted for Trump at 83%. Trump was able to take control of many Christian cults and make them part of the Trump cult. Those cults were ready made. After all Trump is a malignant Narcissists and so is God.
0 Replies
 
steve reid
 
  1  
Reply Tue 28 Jul, 2026 03:26 pm
@The Anointed,
Thanks for the detailed explanation
A short reply here
https://able2know.org/topic/597099-1#post-7425546
0 Replies
 
Zardoz
 
  3  
Reply Wed 29 Jul, 2026 08:06 am
Man created a mentally ill god and the only way that can happen is if the God was created by man. A God by definition would be a perfect being well your God is far from perfect. Do you really think the purpose of the universe is to gather all the souls together to worship a God for eternity. It is a completely irrational belief. No rational being could possibly believe that the purpose of the universe is to worship God for eternity. So how is this possible? Brain washing and indoctrination of children in a cult. The children are programed before their brain is mature. The children of the Christian cult are taught that the irrational is rational once you accept that they can be taught to accept anything. Even a universe where the ultimate purpose is to worship a sick a God for eternity.

If the Christian cult tale was made into a sci/fi movie people would laugh it out of the theaters. It is preposterous. It is the tale of primitive goat herders who could only imagine that worshiping a God for eternity was the ultimate purpose of life on earth.
The Anointed
 
  0  
Reply Wed 29 Jul, 2026 03:46 pm
@Zardoz,
Quote:
It is the tale of primitive goat herders


For the Word of God can be likened to a star that’s being ever brightened
By the mind of man reaching ever higher, but those who deviate, they’re liars
In God’s word, man’s mind can grow but those outside, they’re like the snow
That settles on the desert sand and will melt away before ‘I AM.’
Zardoz
 
  2  
Reply Thu 30 Jul, 2026 08:24 am
@The Anointed,
Fear works on cattle and sheep but unfortunately for you not everybody is a sheep. Christianity foundation was laid on fear of the little man in the red suit and long red tail who according to them was lurking around every corner. When fear didn't work, they resorted to murder and torture to spread their disease. When the French Huguenots refused to convert in Florida, they were killed and hung in trees with signs that said they refused convert. Then of all things they claimed to be cult of love and peace.

Christianity is a sickness of the mind, and their history testifies to that fact. You may have a healthy fear of God, but I will never fear your imagination. As further proof that your God does not exist your imaginary God could strike down any critic but does not. I have been trying to "save" people from this dangerous cult for over 50 years but no sign of snow yet. I spent 20 years racing others died but all I got was a sprained wrist. God had the perfect opportunity, but he didn't take it because he lives only in the imagination of the believers.
The Anointed
 
  0  
Reply Thu 30 Jul, 2026 05:12 pm
@Zardoz,
Quote:
Christianity is a sickness of the mind,


And what is your view of Judaism, Hinduism, Islamic, etc, etc, or do you drop your load on Christianity alone.

I am who I am may I never lose sight
Of the fact that I am who I am day and night
I’m not who I was nor who I will be
For “WHO I AM” is the name that my God gave to me
So get behind me you charlatans, priests and you shams
For I am true to my God, to my God “WHO I AM’.

I am not who I was a billion years ago, but who I was a billion years ago has become ‘WHO I AM” today.

I picked up a fossil and Oh ‘what a buzz’
Just to think, in my hand, was who I once was.

Life comes from life. From what did you originate? If you believe that you originated from a universe of mindless matter, then today you must accept that it is the eternal energy, which has neither beginning or end, that has become this apparent material universe of mindless matter and all the apparent life forms within it.

Everything, this universe and all within it, originated from the singularity that was trapped within the Back Hole of origin as demanded by the majority of the scientific minds of today. So I ask again, from what did you originate.
steve reid
 
  1  
Reply Fri 31 Jul, 2026 12:48 am
@The Anointed,
The Anointed wrote:

Life comes from life.

Is God life/alive/living
The Anointed
 
  0  
Reply Fri 31 Jul, 2026 02:13 am
@steve reid,
Quote:
Is God life/alive/living


Is this universal body that began to expand 13.6 billion years ago, a living entity? And if so, when did it become a living entity?

It is my belief that the singularity is the origin of every generation of the universe, which at the end of their cycles return to the singularity with all the information gathered in that cycle, and is the divine reality of the universe, the eternal spirit from which all being originates and to which all returns at the close of each period of universal activity.

Pioneering physicist Sir James Jeans wrote: “The stream of knowledge is heading toward a non-mechanical reality; the universe begins to look more like ‘A GREAT THOUGHT’ than like a great machine. Mind no longer appears to be an accidental intruder into the realm of matter, we ought rather hail it as the creator and governor of the realm of matter. (R. C. Henry, “The Mental Universe”; Nature 436:29, 2005)
Zardoz
 
  2  
Reply Fri 31 Jul, 2026 08:09 am
@The Anointed,
It would apply it to each and every imaginary religion, an all are imaginary, I would not discriminate. Make believe is make believe no matter what brand it is.

Evolution is a process, just one among many process that once were considered to be supernatural. Everything once had supernatural explanation, but knowledge wiped out thousands of Gods.

Where the first molecule came from does not concern me. You keep looking for the pony, but he is not hiding at the beginning of time either. Any God capable of creating the universe would have to be 100 billion time more complex than the natural process that took place. You want to explain the creation of the universe by creating something 100 billion times more complex. So how did this super complex being come to be? "He always was and always will be."

Poetry is nice for entertainment, but they bend the truth to make it fit their story.

Fear is the main ingredient of any religion you have to drive the sheep into pews. The funny thing about fear is your reaction to fear is exactly the same to something that is real or something imaginary. Fear of God is what is selling Christianity. Your attempt at manipulating me with the threats of an ancient savage fell far short of the mark. Something about making snow out of nonbelievers. A car backfires at the mall and a stampede follows. That is how Christianity spread you better fear God or you're going to hell. Soon the sheep begin filling the pews. Thy looked out on Sunday mornings and saw others that didn't fear their God. They used government to make laws that your businesses could not open on Sunday and as long as you were free, church became mandatory.
0 Replies
 
neptuneblue
 
  2  
Reply Fri 31 Jul, 2026 10:40 am
Back On Topic:

Investors are buying Ohioans’ unpaid property tax debts, with 18% interest
Ohio counties are selling record levels of residents’ property tax debts to private investors, who charge up to 18% interest when they collect.

Bipartisan lawmakers have proposed eliminating the lien sales outright, while gubernatorial candidate Amy Acton has called for a crackdown.


by Jake Zuckerman
July 30, 2026

The Middlebury neighborhood, Akron, Ohio, Fall 2023. Credit: Kevin Dilley / Signal Akron

Investors from Omaha to Chicago last year bought tens of millions of dollars worth of delinquent property tax debts from Ohio county treasurers, setting new records in several counties.

This gives those institutional investors the right to collect on liens, plus up to 18% interest, from Ohioans who are buckling under the weight of post-pandemic leaps on their property tax bills.

State lawmakers in 1998 legalized the sale of delinquent tax debt, joining roughly half of U.S. states that do so.

Several of Ohio’s biggest counties are now selling record levels of certificates, according to data provided by their treasurers’ offices. Cuyahoga County in June sold off $18 million worth of debt, higher than any year on record. Franklin County last year sold $10 million, double the size of most years’ sales. In the Cincinnati area, both Hamilton and Warren counties sold off more debt in 2025 and 2026 than any year over the past decade. Lucas County is planning its first tax lien sale since 2008.

Fuel reporting that puts Ohioans first
When it comes to statewide issues, the details matter. Signal Statewide is here to cut through the noise and provide clear, trustworthy reporting.


The system rewards companies as property owners accrue more debt. Buyers of the initial liens also give investors the right to purchase all “subs” – subsequent lien certificates that counties sell off when a property once again falls behind on its taxes. Those certificates require by law an 18% interest rate atop the principal. In rare cases, the investors can pursue foreclosure if debtors fail to pay.

County treasurers say the lien certificate sales are a critical enforcement tool. In most cases, the repeated letters warning property owners of a looming sale spur them to settle their debt or enter a payment plan. And the tax liens that are sold, they say, make an efficient means for counties to collect what they’re owed. The entire system acts as a deterrent, ensuring people pay in full and trust that their neighbors aren’t freeloading.

Plus, several treasurers negotiate different kinds of consumer protections into the sales, like limiting interest rates or screening out certain low-income households or small-dollar debtors from sales.

‘Profit from displacement’
Endgames from lien sales can be devastating. Last year, Ashtabula County’s treasurer wrote a letter to Tax Ease Ohio – an affiliate of PVOne Capital, of Chicago – asking for debt forgiveness for a 73-year-old widower. The county sold Tax Ease five certificates for the man’s debt in 2014 and 2015 worth nearly $21,000. A decade later, he had already paid $40,500, and still owed another $21,600.

“It is never the goal of this office to see members of our community lose their homes, particularly elderly residents who have worked diligently to meet their obligations,” wrote treasurer Angie Maki-Cliff in a letter to the company.

Interest in eliminating these sales has gained traction in Columbus. Bipartisan lawmakers have proposed legislation that would prohibit the sales of these liens on residential and agricultural properties. The effort is backed by mortgage lenders, who say the debts resemble predatory loans in that the interest rates trap borrowers in a debt cycle that ends with crippling payments far beyond the original bill.

The lawmakers also criticized county treasurers for what they described as outsourcing their work enforcing Ohio’s tax laws.

“Property owners should not be subject to a predatory lien sale without their consent,” said Daniel Broering, CEO of the People’s Bank Co., to state lawmakers. “It is a business model built around profit from displacement.”

Amy Acton, a former physician and state health official running for governor as a Democrat, recently proposed a crackdown on county lien certificate sales. In a statement, her campaign said the lien sales can be appropriate, especially against “corporate bad actors.” The statement also called for cracking down on “predatory” collections practices against vulnerable homeowners who are struggling to pay after a hike in their tax bill.

The political pressure comes as new assessments on homes have triggered leaps in biannual tax bills for homeowners. More than 320,000 Ohioans have signed a petition to constitutionally abolish property taxes in Ohio, a radical shift that would knock out a central pillar of the state’s revenue. Lawmakers have since passed legislation expected to reduce property tax bills by billions over the next three years, and the issue could play a central role in an unexpectedly close gubernatorial race.

Some counties are selling record levels of property tax debt
The state doesn’t track county-by-county sale data. The County Treasurers Association of Ohio has declined to provide it to Signal Statewide, or to state lawmakers who have requested it.

Signal Statewide reached out to treasurers of Ohio’s 10 most populous counties. Nine provided data – Montgomery declined, stating it would need two weeks to do so.

In June, Cuyahoga County sold $18 million worth of debt in a negotiated sale to Nar Solutions, a lender with a listed address above a retail pharmacy in Omaha, Nebraska.

County Treasurer Brad Cromes said the county took steps to protect residents beforehand. The office excluded from the sale properties with delinquencies less than $1,000, those worth less than $100,000, owner-occupied units in designated impoverished or marginalized communities, or those that claim the homestead exemption. Interest rates were also capped at 6% (down from 12% in pre-pandemic years), although subsequent sales are legally required to be sold at 18% interest.

Data Cromes provided shows most of the tax debts from the most recent sale came from 2024 ($4.7 million), 2023 ($3.2 million) and 2022 ($3.5 million).

For Franklin County, including Columbus, investors bought $10 million in delinquent property taxes last year, compared to a 10-year average of about $3 million annually on such sales. PVOne Capital bought it, with a 14% interest rate attached.

In Hamilton County, which includes Cincinnati, the county sold $4.5 million in 2025, more than any year over the past decade.

Nearby Warren County sold off nearly $1 million in debts earlier this year at 17.5% interest to PVOne Capital. That’s about twice the amount as the last time the county executed a full sale in 2019, according to County Treasurer Randy Kuvin.

Summit County sold about $4.5 million worth of its residents’ debt last November. Adair Asset Management, of Omaha, bought it, plus a 5.75% interest rate. The company also bought about $1.4 million in subs, at 18% interest.

Banks, lawmakers say the loans are predatory
Two Northeast Ohio lawmakers – Democratic Rep. Dan Troy and GOP Rep. Dave Thomas – introduced legislation to eliminate lien certificate sales for agricultural and residential property.

Troy referred to the investors as “headhunters” doing the counties’ “dirty work” of pressuring people in financial hardship for cash. Thomas said county treasurers need to do their job and work with taxpayers locally, not farm hometown problems to out-of-state corporations.

“You have no idea who these people are, where they are,” he said of the investors. “But you know who your county treasurer is.”

Small banks take issue with the sales as well. Some lenders told lawmakers that they don’t always know when their mortgage customers’ debts are sold, which raises two problems. For one, it impacts the underlying investments like a residential home; and the sale could be avoided by the bank acquiring the debt and working with the property owner to resolve it. This, they say, produces a better outcome for all parties – bank, debtor and county – besides the outside investors.

Several owners offered stories of how the lien sales went sideways.

Broering, the People’s Bank Co. CEO, offered lawmakers several horror stories. In one, he said a borrower, without the bank’s knowledge, accrued about $26,500 in tax debts over several years. But he kept up with his mortgage payments in the meantime. The bank only learned about the liens after two had been sold, at 17.5% and 18% interest.

Repayment cost nearly $40,000.

“By the time we find out that there is a problem, a third-party purchaser has already moved in, assumed first lien priority, and began charging interest at rates between 17.5% and 18% per year,” he said. “We are left to deal with the wreckage.”

Brett Hillyer, an attorney and former lawmaker, offered another example from one of his clients. He said Tax Ease foreclosed on the property of a homeowner who died, before the property could be sold. The $4,000 in debt, Hillyer said, cost $13,191 after interest and fees to resolve.

Ohio treasurers say they need the cash
In interviews and legislative testimony, treasurers defended their practice. They said lien certificate sales are a last resort, not a knee-jerk reaction. They’re a byproduct of growing delinquent tax debts. In most cases, taxpayers settle up before their liens are sold. And most of them require consumer protections in their debt sales.

Kuvin, the Warren County treasurer, said the certificates are an “efficient” answer to the county’s problems of collecting a large volume of relatively small-scale individual debts.

Cromes, the Cuyahoga County treasurer, echoed the idea. He said the county has capacity to pursue about 2,000 foreclosures per year. The lien sales effectively double that capacity, allowing more enforcement on more debts.

“We’re using them for the most part to pursue scofflaws and irresponsible out-of-town investors – freeing up our staff to manage higher sensitivity cases (and assist homeowners who are struggling and truly making an attempt to connect with resources that will keep them in their homes),” he said in an email.

Jill Schiller, the Hamilton County Treasurer, said she’s open to Acton’s proposal to codify consumer protections into state law, like excluding homestead exemption recipients or capping interest rates. But she noted some pluses for consumers – a lien sale is a fresh start for a payment plan or 18 months’ runway before a foreclosure.

And the sales have other uses, she said. Ohio’s land banks rely on them to acquire dilapidated properties. And Hamilton County uses some of their proceeds to fund a delinquent tax forgiveness fund.

“It’s a really important tool for us,” she said.

Without the sales, treasurers have two options when residents fail to pay their taxes: absorb the lost revenue, which is supposed to fund schools, police and fire departments; or begin the slower and more costly route of foreclosure through the court system.

“There will be consequences for taxpayers when others stop paying because of a lost enforcement tool,” said Stark County Treasurer Alex Zumbar.

neptuneblue
 
  2  
Reply Fri 31 Jul, 2026 10:49 am
@neptuneblue,
Two distinct plans from Ohio's next Governor:

Dr. Amy Acton Unveils Her Property Tax Relief Plan to Lower Costs and Deliver for Ohioans
FOR IMMEDIATE RELEASE:

July 20, 2026

CONTACT: [email protected]

Dr. Amy Acton Unveils Her Property Tax Relief Plan to Lower Costs and Deliver for Ohioans

COLUMBUS, OH— Today, Dr. Amy Acton released her Property Tax Relief Plan to provide immediate relief and lower costs for Ohio taxpayers, especially our seniors.

“I am laser-focused on lowering costs for Ohioans, including through property tax relief. Through my Property Tax Relief Plan, I will expand the Homestead Exemption to protect more Ohio seniors; put more money in Ohioans’ pockets with a property tax spike rebate; crack down on predatory collection practices to protect taxpayers; and push to finally fully implement the Bipartisan Fair School Funding Plan to fund our public schools and remove this burden from property taxpayers,” said Dr. Amy Acton. “It’s time we finally deliver meaningful relief to Ohio families and seniors.”

See the full plan below:

ActOn Property Tax Relief

As a result of systemic state underfunding of our public schools, several rounds of re-appraisals, market forces, and our corrupt Statehouse giving tax breaks to the wealthy, property taxes have drastically spiked for Ohioans across the state in recent years. Tax delinquencies have skyrocketed, and too many seniors and Ohioans on fixed incomes have been forced out of their homes.

Ohioans need relief. That’s why as governor, I will:

Expand the Homestead Exemption to Help Ohio’s Seniors

As governor, I will expand the Homestead Exemption so more of Ohio’s seniors are eligible for property tax relief.
I will raise the cap on the household income eligibility of Ohio’s seniors to $50,000, which will ease the burden for an additional 55,000 homeowners.
Introduce a Property Tax Spike Rebate

My administration will introduce a property tax spike rebate for Ohio homeowners struggling with high property tax increases.
Homeowners with household incomes below $132,000 who pay property taxes on homes valued at or below $350,000 would be eligible for a rebate of up to $1,000 when their property tax bill has increased more than 4% over the prior year.
This rebate will help Ohio’s working families and seniors who live in communities with the highest home value appreciation rates.
Crack Down on Tax Lien Certificate Sales and Predatory Collection Practices

I will strengthen Ohio’s efforts to crack down on predatory collection practices, including the sale of tax lien certificates to private collectors who charge 18% interest rates that burden Ohio taxpayers and hurt Ohio families.
No Ohioan should pay a higher price so corporations and special interests can turn a profit.
Implement the Bipartisan Fair School Funding Plan

Ohio’s public schools have been systemically underfunded for years, shifting the financial burden onto Ohio taxpayers and local communities through rising property taxes.
As governor, I will fight to fully implement the Fair School Funding Plan, which will ensure public schools in Ohio receive the funding they need and finally decrease the burden on Ohioans.


Vivek Ramaswamy Plan:
Historic Property Tax Rollbacks

Lower Property Taxes.
Real Relief for Ohio Families.
Property taxes in Ohio have surged since the Covid pandemic, and families are feeling it.

Homeowners and farmers are paying dramatically more, even as budgets are stretched thin. Since 2020, property tax collections on homes and farmland have jumped by nearly 45%. That’s thousands of dollars out of the pockets of hardworking Ohioans.

At the same time, local governments and schools received billions in federal support.

But despite higher spending, too many families are seeing worse results, especially in our schools.

The Hard Truth
Ohio taxpayers are now paying roughly 40% more per pupil than before the Covid pandemic, yet academic outcomes have declined - due to the disastrous public school closures during the pandemic and the erosion of math, reading, and writing standards in our public schools.

Ohio homeowners are paying more than ever in property taxes, and our kids aren’t benefiting from it either. That’s unacceptable.

Vivek is determined to fix it with a common-sense plan that delivers real property tax relief while restoring excellence in education.

Vivek's Plan:
Roll Back Property Taxes
Vivek Ramaswamy will deliver immediate relief by rolling back property tax levels to where they were before the end of the Covid pandemic.

That means:

Lower property tax bills for homeowners
Relief for farmers and rural communities
More money back in your pocket
This would be the largest property tax rollback in Ohio history.

A Responsible, Balanced Approach
This plan is designed to protect taxpayers while maintaining stability for local communities:
New construction will not be impacted
Existing debt obligations will be honored
Local governments will continue to operate, but with greater discipline
It also builds on recent reforms that limit automatic tax increases, ensuring long-term protection for taxpayers.
The Bottom Line
For too long, Ohio families have been asked to pay more and accept less.

Vivek believes government should live within its means, just like you do.

It’s time to restore fairness, lower costs, and put Ohio families first.
neptuneblue
 
  2  
Reply Fri 31 Jul, 2026 11:46 am
@neptuneblue,
Representatives David Thomas and Daniel Troy Provide Sponsor Testimony on Legislation to End the Sale of Delinquent Property Tax Certificates
October 17, 2025
Republican Newsroom
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State Representatives David Thomas (R-Jefferson) and Daniel P. Troy (D-Willowick) on Wednesday provided sponsor testimony during House Local Government Committee on House Bill 493, legislation to ban the sale of delinquent property tax certificates beginning in January 2027.

Under current Ohio law, when a homeowner fails to pay their property taxes on time, the county treasurer is permitted to sell the delinquent property tax certificate to a private third party. While this practice allows counties to recover partial revenue from unpaid taxes, it often imposes severe financial hardship on homeowners who are already having a difficult time paying for their essential needs.

“No one should profit off the foreclosure of a home. No one,” said Rep. Thomas in his testimony. He also shared that he was told this was something that needed worked on when he was a part of the Payday Loan Reform Coalition in 2017. “Fast forward eight years, and our property tax system is in crisis, tax delinquencies are through the roof, and those falling victim to these profit schemes are growing.”

“Too many Ohioans are currently struggling to meet their property tax obligations, and recent increases in property valuations have only made it more difficult for many of our citizens to pay their property taxes in a timely manner,” said Rep. Troy. “Allowing these delinquent tax certificates to be sold to third-party collection agencies only increases the pain felt by our homeowners, leaving them with mounting debt and the threat of foreclosure hanging over their heads. We need our local officials to work with them to mediate and resolve their delinquency, not hire predatory third parties to harass them.”

These private third parties often charge homeowner high interest rates and additional fees, which can quickly grow far beyond the original tax bill that the homeowner was already unable to pay to the county. They are even permitted to foreclose on the property for missed payments, allowing them even greater profit at the homeowner’s expense.

Rep. Thomas also emphasized that county treasurers already have other tools and options available to work with delinquent homeowners, such as payment plans and other forms of mediation, and should be encouraged to use these more constructive solutions rather than turning to private entities focused on profit. H.B. 493, he noted, is about ensuring local governments prioritize cooperation and community stability over collections and commissions.

H.B. 493 now awaits a second hearing in the House Local Government Committee.

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