FAQ#: 120 published 4-18-2019
Since researching issues within the Disaster Recovery Industry I have noticed change comes not from protesting in front of the state capital. It comes from actually publishing data and solutions for our government agencies to read, take ownership of and make happen.
With this said, I propose we publish verified data anonymously directed at the individual agencies that are holding us back.
1. HUD waiting on feedback from all state and commonwealths regarding the issue with SBA DOB. We can speed this process up by publishing facts to every governor so they don't waste time asking their state agencies to produce data showing HUD dollars are needed with SBA if selected.
2. SBA has to be shown as not following it's SOP. This data is very easy to find with OIG searches but I feel if we focus on the living expenses which are not taking into account we will have better results.
3. OMB (Office of Management and Budget) overseas all taxpayer dollar programs and is in place to reduce government waste, fraud, misuse, etc. This section within OMB is all about not using Taxpayer money to pay for Taxpayer Secured Loans (SBA). We find the solution that does not allow for agency dollars to overlap and you have your solution with the OMB.
4. State Grantee, Governors do have a HUD fund of $50 million annually to use as they please in times of disasters. The state knows how it can be "Creative" and move money from one program that is designed to fail to fund another program the state actually wants to fund. Construction Loans are being put into place that are forgivable at the time of completion, zero interest, zero payments. Those that have additional repairs or reimbursements according to policy should be allowed a piece of this taxpayer funded construction loan program.
It's mostly logical approaches that will get HUD to listen. I feel HUD is not close to offering Guidance related to the Stafford Act. I do feel we put all our eggs in one basket which isn't something to take to the bank. We are not limited to working just with our politicians. I really think the Senator from Nebraska may help more than the Senator from Louisiana and the Senators from New York and New Jersey are waiting for a group to resolve the DOB with SBA issue to keep homeowners from increasing their disaster recovery debt.
I haven't found any statistics showing the costs of disasters on homeowners. But if I took a small sample from our group I would guess most everyone has had at least a 25% increase in monthly expenses related to the disaster. Add that our current storm types and how frequently we are seeing them we'll need to add 2.5% per year if we could predict you would only have storm damage every 10 years.
This is what I feel, I know numbers count, real household numbers are better and when I incorporate what our state leaders say is "Excessive Monthly Debt." I can make a better argument that with or without SBA as a DOB your household has had an increased monthly debt since the flood and your pre - disaster income needs to increase or your post - disaster expenses need to be reduced. There is nothing in that which can be counted as a DOB when it protects your household from financial hardship / ruin / default / bankruptcy.
Renter's or Homeowner's Declaration required by the CDC to prevent evictions before Dec. 31, 2020 or if extended the new date.
FAQ#: 261 published 12-6-2020 updated 12-12-2020 4 min. 14 seconds read
How to use our Research Based Learning pages to better understand a subject, to collect the missing pieces of the puzzle, to start a research project or to close out your research project. Resources published here are parts or segments of..
FAQ#: 1 published 12-30-2018 updated 12-12-2020 1 min. 55 seconds read
I am not a U.S. Citizen but my business meets all the other criteria for a COVID-19 EIDL will I get a loan?
FAQ#: 310 published 11-30-2020 8 min. 24 seconds read
I was not told why my SBA EIDL was declined. Does the SBA send a reason code or declined reason by letter?
FAQ#: 447 published 11-30-2020 1 min. 28 seconds read
FEMA Disaster Assistance for Individuals and Households Program which is provided for temporary repairs of your home so you are not dependent on other housing assistance and is not a Duplication of Benefits (DOB) to other assistance and HUD CDBG-DR Grants
FAQ#: 446 published 11-13-2020 1 min. 24 seconds read
You make it your concern to help others by providing much needed information. You take all disaster recovery issues facing homeowners today and make them your Matters Under Review. If this sounds like you, visit Matters Under Review (MUR) for more information.
Louisiana Workforce Commission LWC filing your DUA and PUA with the expectation of a backdated FPUC.
FAQ#: 413 published 11-8-2020 1 min. 12 seconds read
Louisiana Workforce Commission note, Start of new calendar quarter may require some to file a new unemployment
FAQ#: 434 published 10-4-2020 1 min. 49 seconds read
Did your state inform you that you qualify for federal assistance only to later deny you assistance based on state created policy or procedure? Is your home listed as being in one of the most impacted areas? Do you have proof your state accepted you into the federally funded HUD CDBG-DR grant program? Contact us about your experience.
Temporary Halt in Residential Evictions to Prevent the Further Spread of COVID-19 An unpublished Notice by the Centers for Disease Control and Prevention on 09/04/2020
FAQ#: 416 published 9-3-2020 12 seconds read
LA, FL, TX, PR, NC are receiving billions in US taxpayer dollars to mitigate against future flood disasters. We are looking to help your county or parish find the best clearing and dredging people. Contact us about your experience.
I made a mistake listing my revenue when I applied for the SBA EIDL, I would like reconsideration for the loan.
FAQ#: 386 published 9-1-2020 2 min. 32 seconds read
"The best way to get the right answer on the internet is not to ask a question; it's to post the wrong answer."
Don't allow misleading or misinformation cost you.
Unmet needs must be evaluated for cost changes throughout the rebuilding process.
By Murray Wennerlund
Restore Louisiana Mobile Home MHU Replacement Policy
By Murray Wennerlund