The Checklist #2

Posted November 13th, 2007 by Joe Kaiser

Foreclosing on a property when foreclosure could have been easily avoided is not an error?

Dear Rob,

As it turns out, Rose Bowman has an axe to grind.

We’d sent her pizzas earlier to express our thanks for all the work her office does during tax sale time, and having decided we were scam artists, she concluded it was some sort of pepperoni bribe.

You may remember the letter we received from Lewis County Deputy Prosecuting Attorney Doug Ruth concerning the criminal bribery allegations.

So, when we attempted to pay taxes and stop a foreclosure in Lewis County, we used our checklist to make sure it got done right.

It didn’t.

We’d failed to consider the Bowman Factor.â„¢

Tuesday, February 20th

Tuesday, February 20, 2007 – My staff calls to get reinstatement figures and advises treasurer’s office staffer Lynne to be on the lookout for our tax payment being overnighted that day.

Wednesday, February 21st

Wednesday morning, February 21, 2007 – My staff confirms via online FEDEX package tracking the package has been delivered.


Wednesday morning, February 21, 2007 – My staff calls treasurer’s office, asking to confirm receipt of overnight package and to inquire if there are any problems, leaving a voice mail message.

Wednesday afternoon, February 21, 2007 – My staff again calls and again leaves a voice mail message.

Wednesday, unknown time, February 21, 2007 Lewis County Treasurer staffer Michelle Travis drafts a letter and therein advises us of problems.

Wednesday, February 21, 2007 – Lewis County Treasurer’s Office does NOT return our phone calls.

Thursday, February 22nd

Thursday morning, February 22, 2007 – My staff calls again to confirm package has been received and is satisfactory, leaving another voice mail.

Thursday around noon, February 22, 2007 – My staff calls yet again, this time connecting with an actual person, Michelle. We are advised the package was received but there are problems. The deed was not an original but mistakenly, a copy, and the $12 check for fees was a business and not a certified check. We are informed they intend to foreclose.

Thursday, afternoon, February 22, 2007 – I call Deputy Prosecutor Doug Ruth and leave a voice mail, letting him know of the issues, that we will be overnighting the original deed immediately, and asking he use his common sense to take charge and prevent the needless loss of our property through an ill-advised foreclosure.

Friday, February 23rd

Friday morning, February 23, 2007 – My staff confirms Lewis County treasurer’s office receives our FEDEX containing the original deed.


Friday morning, February 23, 2007 – My staff calls and leaves another message, attempting to confirm the property will be pulled from the sale.

Friday morning, February 23, 2007 – Lewis County treasurer Rose Bowman and Doug Ruth decide foreclosure is appropriate and sell my property at the Lewis County tax sale.

Friday afternoon, February 23, 2007 – My office receives this letter dated Wednesday (!) February 21, advising they have not processed our recording. Enclosed are our documents and checks.


Monday, February 26th

Monday afternoon, February 26, 2007 – I call and speak with Doug Ruth who advises they’ve foreclosed on my property. I ask why no one called us on Wednesday when we’d have had adequate time to handle it. He suggests our FEDEX package wasn’t delivered until Thursday. I advise it was signed for on Wednesday. He suggests it probably went to the wrong department.

Tuesday, February 27th

Tuesday, February 27, 2007 We receive the below fax, stating they did not process (record) our deed and cancel the sale because “the funds to record were not included” adding, “the parcel was sold today at our foreclosure sale . . .” Unbeknownst to us at the time, they’d returned our checks.


Not possible

Rather than telephone us on Wednesday, the 21st, Lewis County Treasurer Rose Bowman decides the better approach is to write us a letter, knowing full well her tax foreclosure auction is scheduled in less than 48 hours.

And not only does she not call, she ignores our voice mail messages asking her office to confirm receipt and confirm there are no problems.

Not calling on Wednesday is inexcusable.

On Thursday, her office again fails to return our voice mail message.

It isn’t until my staff calls at noon that we’re first advised of a problem. Now, we’re told we’ll need to drive to Lewis County to deliver the original deed by that very afternoon.

Not possible.


This, Rob, was done intentionally.

Had Rose or Doug cared about doing the right thing, my property would not have been lost at a tax sale.

Had Rose or Doug been dealing with anyone other than me (or perhaps a handful of other tax foreclosure investors), they’d have made sure this got handled and foreclosure was avoided.

But they didn’t.

Complete and utter contempt for investors, a sadistic need to use any and every excuse imaginable to prevent investors from successfully transacting in tax foreclosure properties. — Joe Kaiser, describing
The Bowman Factorâ„¢

Instead, they intentionally made certain my property was lost at their foreclosure sale and, I’m sure, probably got a good laugh out of it as well.

Nothing wrong?

We’d done the best we could, all things considered.

Sure, we’d made a mistake by not sending the original deed, but once we’d left messages on Wednesday and again on Thursday to confirm we’re good to go (that’s why use a checklist), it’s no longer a matter of our mistake.

Now, it’s a matter of theirs.

And by writing us a letter on Wednesday rather than simply returning our phone calls, Lewis County guaranteed there would be little chance of us averting the sale.

I choose not to remove the property since we had not made any errors in processing the property for the final sale. — Rose A. Bowman
Lewis County Treasurer

Foreclosing on a property when foreclosure could have been easily avoided is not an error?

Perhaps not, Rob, but it is most certainly the very definition of vile.

“Not made any errors” as justification for Lewis County Treasurer Rose A. Bowman’s malicious foreclosure of my property?


In the arena,

Joe Kaiser

4 Responses to: “The Checklist #2”

  1. David Alexander responds:
    Posted: November 13th, 2007 at 12:00 pm

    Sadly, this is how most government offices are handled…. just collecting a paycheck…… with little regard to the fact that they are dealing with real peoples lives……

    If the government were to privatize each of it’s businesses and instead sort of broker out the jobs… wow… businesses would actually have to perform a service…. and make a profit…..

    Talk about needing to provide a good and valuable service….

    Just doing your job comes before that is ever performed by a company….. so, that a good and valuable service can be provided……

    What a laugh….. seems they might need to look into the mirror….

  2. Loya responds:
    Posted: November 13th, 2007 at 5:22 pm

    Ahemmm…….business interference………….

  3. Luke responds:
    Posted: November 14th, 2007 at 3:25 am

    From all I’ve seen, there appears to be a conspiracy involved by the state to take properties to tax sale and cash in the proceeds, all to the detriment of the homeowner.

    Have you considering notifying your local FBI regarding this? Since the State is unwilling to fix this likely criminal scheme, it seems the feds should get involved.

  4. shari responds:
    Posted: April 14th, 2008 at 7:14 pm

    If you had paid the taxes when it was due you would have avoided alot of trouble!!

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