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Foreclosure in Plymouth : Real Estate Advice

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Activity 27
Tue Jan 3, 2017
Laure8929 answered:
If the foreclosure is a fraudulent one where evidence has been fabricated and you have woken up to the fact that the banks are given free reign to lie forge and fabricate and the judges are bought and paid for and care not if fraud upon the courts is the norm with the greedy banksters. ..then take everyrhung you can possibly take ..take the cabinets the light fixtures the toilets the windows the doors the siding and before you walk away have a demolition party in honor of the demons who run this pathetic little world. And always keep in mind that one day they will meet the True Keeper of Justice and they will rot in their conscience for 1000 years. ... more
1 vote 11 answers Share Flag
Thu May 19, 2016
Hiddentreasires answered:
Ok my had did a reverse mortgage about 2010. In 2012 she passed away. We stayed in the household. Paying on the taxes. Of all these years the mortgage people came out to the home . And put no trespassing. Can they do that .. Even tho we were paying on the taxes and keeping up the property. ... more
0 votes 84 answers Share Flag
Mon Nov 30, 2015
Julcastelo answered:
our house forclosed and sold to the bank how long do we have to get out in ca
0 votes 6 answers Share Flag
Fri Aug 14, 2015
thinz answered:
I'm sorry to hear about the deal going south....You should review the following link for information on the foreclosure process in VA....Good luck Tom Hinz www.shortsaletosell.com

http://www.foreclosurelaw.org/Virginia_Foreclosure_Law.htm ... more
0 votes 1 answer Share Flag
Wed Feb 11, 2015
Thescribners answered:
not after the sale. It's called theft after the sale. before the sale you can bulldoze the thing but after the sale, you no longer own it.
0 votes 2 answers Share Flag
Thu May 15, 2014
Brian Kurtz answered:
If you are saying that the home went to sheriff sale and the bank instructed their rep at the sale to start the bidding low and it was not bid up significantly and thus here is now equity between the real value of the property and the redemption payoff....

The answer is that the 2nd mortgage company has no rights to it - unless you actually redeem the property. In which case the 2nd mortgage company becomes the 1st mortgage company.

If you are looking to sell the property, then you can negotiate a short sale of the 2nd mortgage. You can basically tell them to take $1,000 or you'll let the home go back to the 1st mortgage holder. They'll usually take something over nothing.
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0 votes 3 answers Share Flag
Sat Aug 31, 2013
Haig Istamboulian answered:
Hello,

Technically anything "attached" to the home is supposed to stay, like ceiling fans, fixtures, dishwashers, etc. But if you are going to take the ceiling fans, I would replace them with a light fixture or a cheaper ceiling fan. The appliances are not "attached" so if that is your property, then take them with you.

Also, if you can find out who the agent or company is that will be handling the property management or eventual sale of the home is, you can explain to them that you are a tenant. Tenant's have rights as well and that way the management company the bank hires, won't lock you out of the home thinking the home was abandoned.

Do what you can to find out who the home has been assigned to, the company or agent, and open a line of communication with them, it is the best thing that you can do. That way there won't be any unexpected surprises. Your sitiation is not unique and has happened to many renters the past few years.

Good Luck !

HAIG
(248) 379-6547
realtorhaig@aol.com
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0 votes 1 answer Share Flag
Sun Apr 14, 2013
Pam Bava answered:
Have a discussion with the landlord before planting and come to terms with it and put it in writing. If he or she agrees to pay for them you probably won't be able to.

Good luck
0 votes 3 answers Share Flag
Thu Aug 30, 2012
Eric Michael answered:
Once the bank takes possession of the house you were foreclosed on, you don't have any rights to the contents.

They'll hire a company to clean the place out. Sometimes they put everything at the curb for trash pick up, sometimes they bring in a trailer or dumpster. A lot of times, anything of value, they keep for themselves and sell.

Good luck.
... more
0 votes 3 answers Share Flag
Thu Aug 9, 2012
Jim Olive answered:
I've seen some ugly things in the face of foreclosure, but taking the heat/ac?? That's pretty low. You could still protect yourself by shining the spotlight on him before the bank starts asking questions. ... more
0 votes 7 answers Share Flag
Thu Aug 9, 2012
Eric Michael answered:
You had no prior notice? What about not making the payments on the house? I'm sure you knew that wasn't happening, right?

They paste big notices to your door and send you letters letting you know that it's going to happen.

The bank or government agency that backed the mortgage is who purchased it.
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0 votes 5 answers Share Flag
Sun Jul 1, 2012
James Gordon ABR SFR SRS answered:
You need to contact you divore attorney to review you divorce decree. I am not an attorney so this is not legal advice. Did the decree say that he was to make the payments? Did the decree spell out what would happen if he did not? Did the decree give you the right to market and dispose of the property if he failed to keep current on the mortgage?

I have run into people where they have a divorce and need to short sell the property, However a quit claim deed has been signed and the damaged party has no rights to the property. Good luck and I hope everything works out.
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0 votes 6 answers Share Flag
Wed Feb 1, 2012
Allison Fishwick answered:
furniture is considered persoal property and unless it is built into the home can be removed
0 votes 5 answers Share Flag
Wed Dec 28, 2011
Lostinmd70 answered:
ive been in my home for all but 2 months of 4 yrs without paying one payment, the banks dont want these houses, stay until the fat lady sings, so far she hasnt made a peep for us.
0 votes 4 answers Share Flag
Sun Nov 13, 2011
Maureen Francis & Dmitry Koublitsky answered:
0 votes 4 answers Share Flag
Fri Jun 10, 2011
Daryl & Briget Urban answered:
I am sorry to hear of your unfortunate circumstances. The bank cannot make you complete the kitchen. You can keep your house out of/ or remove it from your ch.13. You do not need to go into ch.7. Before you let the house go into foreclosure you should consider the "short sale option". We can find a buyer for you that will be willing to purchase your home as is. Then we will negotiate with your bank to allow the home to be sold short of what you owe. This option will help you re-build your credit standing faster, and protect you from the bank coming after you for the shortage in a foreclosure situation. (keeping you out of Ch.7). I would be happy to meet with you for a consultation to discuss your options.

Daryl Urban 734-968-0939
The Urban Team "committed to your dreams"
Vision Realty Centers, Livonia, MI
www.TheUrbanTeamHomes.com
email: theurbanteam@visionrealtycenters.com
... more
0 votes 3 answers Share Flag
Thu Oct 7, 2010
Kevin Olson, Jessica Laude answered:
Tee,

It's hard for any one of us to give advice on this one because of liabilities, and we are not attorneys. Things that aren't finished just leave as-is, there isn't an explaination needed. You don't want to damage the house in any way, but if you replace things with less expensive things are you saving/making yourself money in the long run? Those things take time and more money, so just be sure it's the way you want to go. I understand your hand made bookshelf and wanting to take it. If it is screwed into the wall it can be viewed as a fixture and it could come back to haunt you. Have people done the sorts of things you are asking about? Without a doubt, even things much worse. Have they gotten in trouble? Some have, and some have not. If it can be proved that you intentionally devalued the property it opens a whole other can of worms. I would honestly see if you can get an attorney to guide you on what to do, as it is the safest route.

Good luck to you
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0 votes 2 answers Share Flag
Mon Sep 6, 2010
Andy Hargreaves answered:
It also really depends on which bank.

The that I list for requires me to do a number of updates on occupancy in the home -- basically they want to know that you're well aware of what is going on before they do any sort of step to lock the home up or anything related to that.

If you want a more accurate update on your probable timeline, feel free to shoot one of us an email and we can check the public record data to see where you are in the whole scheme of things.
... more
0 votes 4 answers Share Flag
Sun Sep 5, 2010
Scott Miller answered:
Hi Meeka. I'm with Debbie and David, wishing that all homeowners were as thoughtful as YOU.

Scott
0 votes 6 answers Share Flag
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