Foreclosure in San Diego>Question Details

Fred, Other/Just Looking in South Dakota

i upgrade all my appliances and the whole kitchen to the max including all cabinets. spend a lot of money

Asked by Fred, South Dakota Fri Feb 6, 2009

when i bough my house two years ago. now i'm loosing it to foreclosure. i would like to take the appliances only Ref,range oven, dishwasher, and microwave. its this wrong doing. this is legally mine right?

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Consult an attorney to be sure. You can take items that are not attached like refrigerator, washer and dryer as well as all of your personal items. I personally wouldn't damage the property or remove affixed items. Many folks are in this same boat. Cut your losses and move on.

0 votes Thank Flag Link Sun Mar 15, 2009
Ref. you can take however other items are attached. Bank could sue you for theft of property. I would be extremely careful in removing these items. Confer with attorney.
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0 votes Thank Flag Link Fri Feb 6, 2009
Hi Fred, I'm sorry to hear of your situation, and having remodeled my own home I have an idea of what you must be feeling right now.

I'm not a lawyer, and I do not know the particulars of your State law; however, in my experience your question boils down to whether the item is considered a "fixture" or not.

"fixture n. a piece of equipment which has been attached to real estate in such a way as to be part of the premises and its removal would do harm to the building or land. Thus, a fixture is transformed from a movable asset to an integral part of the real property. Essentially a question of fact, it often arises when a tenant has installed a lighting fixture, a heater, window box, or other item which is bolted, nailed, screwed or wired into the wall, ceiling or floor. Trade fixtures are those which a merchant would normally use to operate the business and display goods, and may be removed at the merchant's expense for any necessary repair."

I have heard of banks prosecuting owners who have stripped houses of fixtures, so it's best to make sure you know exactly what your options are legally.

Best, Steve
0 votes Thank Flag Link Fri Feb 6, 2009
Hi Fred,

I have to ask, what part of the "foreclosure" are you in? Have you put the home on the market and tried to sell it? Often people think they don't have time to sell it before the foreclosure and that's not always the case. If you are able to sell it as a Short Sale, you can write it in the contract that you're taking the appliances and not only do you have your appliances, but you also protected your credit.

Let me know,
0 votes Thank Flag Link Fri Feb 6, 2009

We are sorry about these difficulties..........

Dave's advice is solid advice. You don't want to make your bad situation worse by doing something that may create bigger problems for you. Because other people in the same situation are doing it doesn't make it legal.

Before doing anything, consult an attorney.

Good luck
0 votes Thank Flag Link Fri Feb 6, 2009
Good Morning Fred - I am sorry to hear about you losing your home to foreclosure. In answer to your question; The items that are built in and not free standing are considered part of the real estate and should be conveyed with the property. Anything unattached or lose is yours to take. I hope this helps.
Birgit Anglin
REO specialist, REALTOR
Windermere Exclusive Properties
San Diego CA
0 votes Thank Flag Link Fri Feb 6, 2009
Both of the answers below are good ones.

I don't like to anwer questions with questions but was wondering if foreclosure the only answer for you? Have you tried to avoid foreclosue by arranging a workout program with your lender? Have you tried to or considered selling your home before it goes to forclosure (a short sale)? Many homeowners are pursuing options like these to keep their homes (and appliances) and avoid foreclosure.
Best Regards, Woody
0 votes Thank Flag Link Fri Feb 6, 2009
it really depends on the law in your state. In Louisiana,the appliances are considered to be permanently attached to the property and may not be removed.The fridge is not considered to be permanently installed--it is a moveable.
0 votes Thank Flag Link Fri Feb 6, 2009
I would talk with a real estate lawyer before doing anything.
0 votes Thank Flag Link Fri Feb 6, 2009
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