Birmingham Council Presented with Law to Allow Foreclosure on Nuisance Properties

One Community Update
September 2, 2025

Source: Birmingham Watch

The Birmingham City Council on Tuesday heard about a proposed ordinance that would give city officials the power to seek foreclosure on nuisance properties in certain cases, with the goal of revitalizing the city’s neighborhoods.

“This is a judicial process that targets the property and not the person,” Katrina Thomas, director of the city’s Department of Planning, Engineering and Permits, told councilors attending a Committee of the Whole meeting.

Birmingham officials can issue liens on nuisance properties to help offset the costs of demolishing or abating the issues with the structure. But Thomas said that the current system doesn’t give the city much power to enforce the liens, so the expenses are often unrecoverable.

“We issue liens, but those liens often sit unpaid. They sit for years, and those properties continue to decay and then, meanwhile, neighbors that live next door to these unsafe structures and overgrown lots and repeat nuisance activities, they want answers,” she told the council.

A state law passed within the last year gives cities such as Birmingham more options in terms of enforcement. If the council were to pass the ordinance Thomas presented on Tuesday, city officials could petition judges to grant foreclosures on nuisance properties.

Thomas stressed that the properties would have to meet several criteria to qualify for this enforcement process — the chief one being that it can’t be an owner-occupied dwelling.

“It ensures that owner-occupied properties are exempt so that families will not lose their home through this process,” she said.

The city can foreclose if liens remain unpaid for more than six months. Other key triggers for foreclosure include if the property:

Has liens that exceed $1,500.

Has had three nuisance abatements within 36 months.

Is needed for public use.

Is not tax delinquent. Thomas said this would help the city avoid paying the extra costs of tax liens.

Thomas said that if the council approves the ordinance, the city would start with a pilot of 100 properties to test the process and scale appropriately. Public education and community engagement will be crucial, she said.

For their part, the council members expressed support for the ordinance, voting to move the measure forward for a full council vote.

“I think it’s wonderfully written and it sounds like you and the people in your department have really thought this through,” Councilor Hunter Williams said.

 

For full report, please click the source link above.

x

CEO

Alan Jaffa

Alan Jaffa is the Chief Executive Officer for Safeguard Properties, steering the company as the mortgage field services industry leader. He also serves on the board of advisors for SCG Partners, a middle-market private equity fund focused on diversifying and expanding Safeguard Properties’ business model into complimentary markets.

Alan joined Safeguard in 1995, learning the business from the ground up. He was promoted to Chief Operating Officer in 2002, and was named CEO in May 2010. His hands-on experience has given him unique insights as a leader to innovate, improve and strengthen Safeguard’s processes to assure that the company adheres to the highest standards of quality and customer service.

Under Alan’s leadership, Safeguard has grown significantly with strategies that have included new and expanded services, technology investments that deliver higher quality and greater efficiency to clients, and strategic acquisitions. He takes a team approach to process improvement, involving staff at all levels of the organization to address issues, brainstorm solutions, and identify new and better ways to serve clients.

In 2008, Alan was recognized by Crain’s Cleveland Business in its annual “40-Under-40” profile of young leaders. He also was named a NEO Ernst & Young Entrepreneur Of The Year® Award finalist in 2013.

x

Esq., General Counsel and EVP

Linda Erkkila

Linda Erkkila is the General Counsel and Executive Vice President for Safeguard Properties, with oversight of legal, human resources, training, and compliance. Linda’s broad scope of oversight covers regulatory issues that impact Safeguard’s operations, risk mitigation, strategic planning, human resources and training initiatives, compliance, insurance, litigation and claims management, and counsel related to mergers, acquisition and joint ventures.

Linda assures that Safeguard’s strategic initiatives align with its resources, leverage opportunities across the company, and contemplate compliance mandates. She has practiced law for 25 years and her experience, both as outside and in-house counsel, covers a wide range of corporate matters, including regulatory disclosure, corporate governance compliance, risk assessment, compensation and benefits, litigation management, and mergers and acquisitions.

Linda earned her JD at Cleveland-Marshall College of Law. She holds a degree in economics from Miami University and an MBA. Linda was previously named as both a “Woman of Influence” by HousingWire and as a “Leading Lady” by MReport.

x

COO

Michael Greenbaum

Michael Greenbaum is the Chief Operating Officer of Safeguard Properties, where he has played a pivotal role since joining the company in July 2010. Initially brought on as Vice President of REO, Mike’s exceptional leadership and strategic vision quickly propelled him to Vice President of Operations in 2013, and ultimately to COO in 2015. Over his 14-year tenure at Safeguard, Mike has been instrumental in driving change and fostering innovation within the Property Preservation sector, consistently delivering excellence and becoming a trusted partner to clients and investors.

A distinguished graduate of the United States Military Academy at West Point, Mike earned a degree in Quantitative Economics. Following his graduation, he served in the U.S. Army’s Ordnance Branch, where he specialized in supply chain management. Before his tenure at Safeguard, Mike honed his expertise by managing global supply chains for 13 years, leveraging his military and civilian experience to lead with precision and efficacy.

x

CFO

Joe Iafigliola

Joe Iafigliola is the Chief Financial Officer for Safeguard Properties. Joe is responsible for the Control, Quality Assurance, Business Development, Marketing, Accounting, and Information Security departments. At the core of his responsibilities is the drive to ensure that Safeguard’s focus remains rooted in Customer Service = Resolution. Through his executive leadership role, he actively supports SGPNOW.com, an on-demand service geared towards real estate and property management professionals as well as individual home owners in need of inspection and property preservation services. Joe is also an integral force behind Compliance Connections, a branch of Safeguard Properties that allows code enforcement professionals to report violations at properties that can then be addressed by the Safeguard vendor network. Compliance Connections also researches and shares vacant property ordinance information with Safeguard clients.

Joe has an MBA from The Weatherhead School of Management at Case Western Reserve University, is a Certified Management Accountant (CMA), and holds a bachelor’s degree from The Ohio State University’s Honors Accounting program.

x

Business Development

Carrie Tackett

Business Development Safeguard Properties