BioHavens cleans the water, improves wildlife habitat and beautifies a waterscape.

You can do more harm than good.

The White Collar workers never really lived inside of Detroit's city limits anyway, so they neither helped or harmed our economy.

HR 1728 would be extremely harmful to thousands of your constituents.

While the owner of a property you are required to prevent waste to your property and can be arrested for ignoring or causing such waste.waste definition nPermanent harm done to real property by a person or persons in legal possession of that property (such as a tenant), such that the propertyÂ’s value to its actual owner or future inheritor is diminished.

HR 1728 would be extremely harmful to thousands of your constituents.It will exacerbate the problem OF foreclosure, as fewer sellers will be able to sell their homes to avoid it, and CAUSED BY foreclosure, as fewer buyers who have recently experienced foreclosure will be able to re-start the process of home ownership inexpensively and easily by negotiating owner financing.Thank you for your consideration;NAME Licensed Real Estate Broker license # Phone # email*IF YOU SELL HOUSES WITH OWNER FINANCING* Dear Senator [name];My name is Vena Jones-Cox and I am a life-long resident of Cincinnati.I am writing you to encourage you to vote NO on HR 1728, the "Mortgage Reform and Anti-Predatory Lending Act".While many of the provisions of the act are positive steps toward mortgage reform, the inclusion of private owners in the act (see section 101(3)(e)) will enormously reduce the housing choice of Ohioans and the ability of homeowners to sell properties in this already-slow market.As a professional housing provider, I sell several houses each year to home buyers on installment sale [or, if you have not purchased a property, add here: "I had planned to sell several houses this year on installment sale]--a practice that would become impossible under this law in its current form.

Even if the tenant gets appropriate insurance, you can STILL be held liable if the tenant's dog causes harm to someone else.

I've got a wildlife area to release them into so no worries.

Down the road, especially the way laws are changing, if you do a deal and fail and cause harm to Helen, you have alot more to lose than the house deal you did.

I know that no harm was meant.