The Arizona State Legislature, under Governor Jan Brewer recently passed a new law amending the Arizona Anti-Deficiency Statute. This law generally had served to protect borrowers by prohibiting mortgage lenders to sue a homeowner for the difference between the amount of goods sold in an auction for the foreclosure and the amount owed to the lender. This law only protects homeowners in certain circumstances. In general, a landlord can not be sued by your lender if the property in question is located on 2.5 acres or less and is a single family residence or duplex. However, this law only apply if the diminution in value is not due to negligence of the owner.

The new law now requires that a homeowner must have "used" the property for six consecutive months and a certificate of occupancy must have been issued. This new requirement is aimed primarily at non-resident investors, however, could adversely affect investors. Arizona Arizona residents who are living at home and handle their primary residence is still facing foreclosure being protected under the new law.

This new requirement of the law against the deficiency shall enter into force on 30 September 2009, which could have ramifications significant outstanding performances and short sales.

Does my property qualify for the anti-deficiency law?

1. Is your house is on 2.5 acres of land or less?
2. Is your house a home for one or two families?
3. Is your home built fully and have received a certificate of occupancy?
4. Do you live in the litter at home has done for 6 consecutive months?
5. Is the decline in property values because of the market (as opposed to negligence on their behalf)?
6. It was the mortgage (s) used for the purchase original house, or at least for the improvements on the property?

If you answered yes to all these questions, you can still be able to protect itself against Arizona-deficiency status. Ii you meet the criteria established in the new law, your lender may be prevented from pursuing you for their losses from foreclosure. However, every situation is different. their individual factors can influence the outcome of its implementation. To find if you're protected under the Terrorism Act Arizona-deficiency status, contact an attorney to explore all its legal options and discuss your foreclosure pending or possible.

(Note: Although informative, these posts are not intended to be formal legal advice and are not fully authorized and should not be only considered as a fundamental basis for legal action.)

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A proposal in Arizona could change the way solar energy is sold.

Typically, solar energy companies install solar panels, or matrices, at a given site and the owner (company or owner) buys or leases the installation program, use electricity, and sell the surplus to the local or regional company that supplies power to the facility.

In Scottsdale, Foster City, Calif.-based SolarCity Corp. wants to install panels solar roofs on two schools, essentially, for free, and allow the district could buy the electricity generated.

This regional service has Public Salt River Project (SRP) in arms. Arizona Public Service Company, the regional (and other larger customers and 600,000 MW 3998) has raised no objection, although both will be forced to testify before the Arizona Corporation Commission, the Arizona equivalent of a public utility commission.

The schools in question are Coronado and Desert Mountain high schools. At issue is: can a manufacturer of solar cells function as a utility? Supporters of the proposal see it as a great incentive for solar energy, releasing the owners of the initial costs of installing solar panels sometimes huge. Opponents argue it would allow manufacturers of solar panels to sell electricity without the supervision of the state-regulators, leading to conflicts pricing of electricity and abuse.

Turning to the issue of solar energy start-up costs, some have noted that, while the people and even companies can offset these incentives with any number of federal, regional and local government buildings and schools are not eligible for many of them, especially since these properties are financed with tax-exempt private activity bonds and federal, state or local grant financing (Article 48 of the tax credit for investment).

SolarCity argues that these constraints are slowing the growth of solar energy, and many educators and officials public agree. Equally important, SolarCity, and installer and the registered owner can take advantage of these incentives, which means that no loss and reflected in the way of cheaper installation costs across the board as profits cut cost of solar panels.

That benefit alone, at a time in continuous recession, it's tempting. Under SolarCity, schools could save 4.7 million U.S. dollars in energy in the next 15 years by adopting the process.

SolarCity is not the first to make this proposal, either. In October 2008, Solar Alliance, a state based support group for Designers solar manufacturers, installers and financiers, asked the Corporation Commission to approve similar proposals. In fact, third party property by agreement power purchase agreement (PPAs) were discussed as an option in the Energy Eshone blog.

Arizona Corporation Commission has yet to return to them, because the decision process challenges paradigms of value to many that there are no parallels or precedents to draw on.

This is especially true as customers still be connected to the local utility for electricity needs beyond the capacity of individual solar systems. It also weighs much measurement equation are Arizona's renewable energy mandate, requiring utilities to get 15 percent of its energy from renewable sources solar and wind by 2025.

SolarCity has so far refuted by saying that SRP challenge, since it is not a monopoly, it is unnecessary Corporation Commission regulation.

As President of the Corporation Commission Kris Mayes said, the entire solar community (and nation) is awaiting a resolution of these issues difficult. Tom Alston, Solar Alliance leader in Arizona, confirms that, and notes that more than half of recent applications for solar installations in the state have coordinated through a service agreement for solar energy as offered SolarCity.

Clearly, if the proposal is rejected, solar energy will suffer a huge defeat on sunny Arizona.Â

blogging ethics in the APS

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