what happens to your personal property when cleaned out after foreclosure?

Asked by Jozef1964, Saint Joseph, MO Thu Mar 28, 2013

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aftervince19…, , Greenville, NC
Sun Apr 13, 2014
Don't let a foreclosure stop you from buying a new home. See Comstock if you have a buyer in need. They have a flexible credit loan. This program assists homeowners who have recently been through a foreclosure, short sale or have recently emerged from bankruptcy.
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Dale Weir, Agent, Chesterfield, MO
Thu Mar 28, 2013
Depends on the lien holder. At the point of foreclosure anything that is still in the home or on the property belongs to the lien holder. In some cases when the sheriff arrives to evict the occupant, they have crews put everything in the yard before they change the locks and the occupant prays it isnt raining and no one steals anything before they can find someone to help them move it (though in some cases the occupant has no where to move it to, so its left in the yard.). In others, it it expected that the occupant has removed what they want, the locks are changed and the bank sends a company who cleans out the home (typically putting everything in a trash dumpster) a few days later. I've seen a few where the bank just left everything in place and made the next owner deal with it, but that is rare.
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Trisha Lee, Agent, Columbia, MO
Thu Mar 28, 2013
When an agent takes over a listing that has become a foreclosure, they hire companies that do what they call "trashing" the property. In other words, they take everything that has been left behind and remove it from the premises. Most of the time they just haul everything off and throw it away. If there is something useful that can be donated to charity, sometimes the company will take the initiative and give those to a charity that can use them (like the Salvation Army) but are under no obligation to do so. The previous owner should have been given ample opportunity to remove their personal belongings from the premises before the above takes place. It's unfortunate, but the lender cannot sell the property until it is empty and cleaned up to a fair extent.
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