For the purpose of this subchapter, the following definitions shall apply unless the context clearly indicates or requires a different meaning.
CREDITOR. A federal or state chartered bank, savings bank, savings and loan association, or credit union, and any entity acting on behalf of the creditor named in the debt obligation including, but not limited to, servicers.
RESIDENTIAL PROPERTY. Real property with one (1) to four (4) dwelling units.
VACANT. A residential property with no legal resident or tenant. Evidence of vacancy includes any condition that on its own, or combined with other conditions present, would lead a reasonable person to believe that the property is vacant. Such conditions include but are not limited to overgrown or dead vegetation, accumulation of flyers, mail, or trash, disconnected utilities, the absence of window coverings or furniture, and statements by neighbors, delivery persons, or government employees.
(Ord. 2011-001, passed 1-10-11)