Foreclosure in 31419>Question Details

Savannahsgra…, Renter in Savannah, GA

is there help with moving expenses ?

Asked by Savannahsgrannie, Savannah, GA Fri Nov 19, 2010

i am a renter .living here for 4 years never late on my rent. a lawyer sent me a letter home going up for auction on dec.7th.landlord wont return my calls .i live paycheck to paycheck hard to save for a new deposite and other moving expenses.dont want to be kicked out days before christmas for something but have to take it by dec.1st'.local social service agencies wont help unless i was being evicted for non payment of my rent .mortage company who holds the nortage says because i am a renter and not the owner i dont qualify for the cash for keys program .is there any help for otherwise im terrified that we are going to end up in a homeless shelter

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First, calm down you will not be on the street December 8th. This is a long process. Once the lender owns the property, then cannot just put you out. They must go through an eviction process. This requires the file a law suit against you seeking possession of the home. In Georgia this is typically a relatively quick procedure, in more normal times could be completed in a month. Now with so many foreclosures and evictions, the system is clogged and the period from filing for eviction to execution of the writ of possession, being moved out by the sheriff is 2,3,4, maybe 5 months in some area.

Yours is not an uncommon situation, so common in fact the Federal Government passed a law in May 2009 to protect tenants. "Protecting Tenants at Foreclosure Act of 2009" You can research the full benefits to you on line. This legislation provided that leases would survive a foreclosure -- meaning the tenant could stay at least until the end of the lease, and that month-to-month tenants would be entitled to 90 days' notice before having to move out.

As a broker, I have represented over 200 banks. All they want is the tenant to move out, leave the property in decent condition and sell the property as quickly as they can. In these representations, the longest period it took to evict an uncooperative occupant was two and a half years. They moved back in two times. Cash for keys is a popular way for lenders to speed the process, save legal fees and get the property quickly and in decent condition. Cash for key is typically a minimum of 500. As a general guideline, expect 1-2 times your rental payment. The most I have ever offered was $5000, which the resident turned down. At a broker meeting the question was asked what the most offered was, and in a state with long delays and high prices, the highest amount was $50,000.

Most attorneys will not take your case, because you cannot afford the fees, and the cost relative to the benefit they could get for you does not justify the time and effort. Your best bet is to work with the lender, research your rights. Judges that hear eviction cases have tended to favor the tenant and even when the Landlord has an immediate valid right to possession of the property, a sorry story from the tenant will sometimes get them 10, 15, 30 days to move.

When you find a new place, and there are plenty to choose from, check the public record and make sure the landlord does not owe more than the house is worth. Keep your spirits high, this may be good news for you and your family.

Bruce Ailion,
RE/MAX Greater Atlanta
Certified Residential Specialist
Certified Real Estate Broker
Accredited Buyers Agent
MS Real Estate and Urban Affairs
Certified Distressed Property Expert
Certified Internet Professional
2050 Roswell Road
Marietta GA 30062
770-973-9700 Office
404-978-2281 Direct
0 votes Thank Flag Link Sat Nov 20, 2010
Contact the attorney that sent you the letter and explain your situation. Tell him you want cash for keys as a tenant. I wish you the best and hope it works out for you and your family!
0 votes Thank Flag Link Fri Nov 19, 2010
along with the other agents, I agree totally that you get in contact with an attorney. Unfortuanately there are many people who are put into the position you are in. Have you tried contacting the lawyer you sent you the letter? Did they only give you a couple of weeks notice? I would certainly be calling that initiating attorney until you get some answers... even if it means walking into his/her office to plead your case and see what they can offer you in way of assistance. Good luck. Everything will work out for you, but as they say "the squeaky wheel gets turned' so try calling until they direct you for help. robin
0 votes Thank Flag Link Fri Nov 19, 2010

If you have a lease, I would recommend contacting Atlanta Legal Aid and asking if you can be forced out regardless of whether property is going to auction or not. You may have a legal ground for staying put for the remainder of your lease.

Solomon Greene
REALTOR® Keller Williams Realty Atlanta Partners
(678) 775-2677
0 votes Thank Flag Link Fri Nov 19, 2010
You may want to find an attorney that will give you a free consultation. I know several renters that have used the cash for keys program.
0 votes Thank Flag Link Fri Nov 19, 2010
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