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ยป VISIT US ONLINE @ DSNEWS.COM 85 Georgia RANK: 35 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 2.39% 0.85% 6.3 YEAR AGO 3.00% 1.09% 7.3 YEAR-OVER-YEAR CHANGE -20.5% -21.5% -1 Top County UPSON COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 5.09% 2.68% YEAR AGO 4.45% 1.74% YEAR-OVER-YEAR CHANGE 14.4% 54.4% Top Core-Based Statistical Area THOMASTON, GA 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 5.09% 2.68% YEAR AGO 4.45% 1.74% YEAR-OVER-YEAR CHANGE 14.4% 54.4% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Kentucky RANK: 24 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 1.78% 1.48% 5 YEAR AGO 2.29% 1.68% 7 YEAR-OVER-YEAR CHANGE -22.0% -11.6% -2 Top County PERRY COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 4.04% 6.51% YEAR AGO 5.42% 6.09% YEAR-OVER-YEAR CHANGE -25.5% 7.0% Top Core-Based Statistical Area LONDON, KY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 2.54% 2.92% YEAR AGO 3.00% 3.40% YEAR-OVER-YEAR CHANGE -15.4% -14.1% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Louisiana RANK: 22 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 3.13% 1.55% 6.6 YEAR AGO 3.42% 1.90% 5.7 YEAR-OVER-YEAR CHANGE -8.3% -18.2% 0.9 Top County MOREHOUSE PARISH 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 8.25% 3.57% YEAR AGO 7.48% 2.67% YEAR-OVER-YEAR CHANGE 10.3% 33.8% Top Core-Based Statistical Area BASTROP, LA 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 8.25% 3.57% YEAR AGO 7.48% 2.67% YEAR-OVER-YEAR CHANGE 10.3% 33.8% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. Mississippi RANK: 21 90+ Day Foreclosure Unemployment Delinquency Rate Rate Rate APRIL 2015 4.66% 1.56% 6.6 YEAR AGO 5.21% 1.76% 7.8 YEAR-OVER-YEAR CHANGE -10.5% -11.6% -1.2 Top County WINSTON COUNTY 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 5.90% 5.19% YEAR AGO 9.61% 3.15% YEAR-OVER-YEAR CHANGE -38.6% 64.8% Top Core-Based Statistical Area CLARKSDALE, MS 90+ Day Foreclosure Delinquency Rate Rate APRIL 2015 7.00% 3.33% YEAR AGO 7.80% 1.94% YEAR-OVER-YEAR CHANGE -10.3% 72.2% note: The 90+ day delinquecy rate is the percentage of outstanding mortgage loans that are seriously delinquent. The foreclosure rate is the percentage of outstanding mortgage loans currently in foreclosure. State rank is based on the March 2015 foreclosure rate. All fi gures are rounded to the nearest decimal. The unemployment rate refl ects preliminary March 2015 fi gures released by the Bureau of Labor Statistics. All other data courtesy of LPS Data & Analytics. from foreclosure," CFPB Director Richard Cordray said. "e false promises made by these companies lured struggling homeowners into scams that led to greater financial hard- ship. We are working to protect consumers from illegal predatory practices by holding bad actors accountable for their actions." According to the CFPB, the Hoffman Law group was set up to give the appearance that it would give specialized legal help to distressed homeowners who were either seek- ing mortgage loan modifications or trying to avoid foreclosure. Harper and Willcox ran the affiliated companies, which were set up to market the scam. e CFPB and the attor- ney general of Florida obtained a temporary restraining order and asset freeze against the companies and against Harper, Hoffman, and Willcox, and a receiver took control of all the assets flowing from the alleged scheme per court order. e lawsuit charged the defendants with violating Regulation O, which was formerly known as the Mortgage Assistance Relief Services (MARS) rule, and Florida state law. Regulation O requires consumers to be given certain disclosures and prohibits the charging of advance fees for mortgage loan modifica- tion services. "Scamming homeowners worried about losing their homes is not only illegal, it is despicable, and thanks to the great work of my consumer protection division and the Consumer Financial Protection Bureau, these defendants will pay for preying on Florida homeowners facing foreclosure," Florida Attorney General Pam Bondi said. "Foreclosure rescue scammers cannot evade the law by hiding behind a law firm. It is discouraging that there are attorneys out there that will allow their licenses to be used by shady companies to target people facing foreclosure." The percentage of home sales in March 2015 in Florida that were distressed sales, which ranked second among states behind only Michigan (22.1 percent). Source: CoreLogic STAT INSIGHT 22%