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Foreclosure in Stockton : Real Estate Advice

  • All457
  • Local Info49
  • Home Buying185
  • Home Selling17
  • Market Conditions14

Activity 86
Sun May 8, 2016
Veronica Ventrice answered:
In florida how long till i get kicked out of my passed away home missed 5 payment banks going to do foreclosure
0 votes 18 answers Share Flag
Tue Mar 8, 2016
Carellilp answered:
BANK OF AMERICA BLOWS! TAKE YOUR MONEY/ INVESTMENTS out now and tell them to KISS YOUR ASS...
0 votes 17 answers Share Flag
Tue Feb 23, 2016
Alexander Greer answered:
What property?

I do not check replies, so if you have a comment or question email me here:
AGreer@TheMortgageOutlet.com

Alex Greer
Loan Officer
408-352-5147
NMLS #1056079
http://www.TheMortgageOutlet.com ... more
0 votes 1 answer Share Flag
Tue Aug 18, 2015
Anabelmeo answered:
Craigslist in my opinion, while useful in some areas, has I think fallen so far behind in their security and profile management, that as a collective group, REALTORS should consider asking them to shut down, or dramatically improve their real estate ad vetting.
Reference: http://ForeclosureIQ.com
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0 votes 13 answers Share Flag
Mon Feb 23, 2015
RonS answered:
I think you've been watching too many infomercials. Of course you'd love to sue them but i'd wager that you don't plan on putting down a hefty retainer to do so would you. If you stopped paying your mortgage, lenders will typically foreclose. Because they sold your loan a dozen times doesn't mean it's a predatory loan. It means they sold your loan a dozen times and the final one foreclosed on you. Sure your pissed but, should you really be pissed at them?

You are flawed in your thinking about the tax payers paying off your loan. That's a common misconception.

karen't pretty much summed it up nicer than I did though.
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0 votes 2 answers Share Flag
Wed Aug 6, 2014
Sharon Felton answered:
Contact a local Realtor, and ask if he/she is an Accredited Buyers Representative. That Realtor should be able to also secure the condo complex's by-laws for you. You should review those by-laws before deciding to make an offer on the property. Good luck to you. ... more
0 votes 3 answers Share Flag
Wed May 21, 2014
Josh Barnett answered:
Tue Apr 1, 2014
Wilfredo Urbina answered:
Hello...I am a real estate broker in Stockton, CA. I am very familiar with 95215. I do have a few questions for you before we can begin the search. Call, text, or email me when you have a minute.

Thanks!
Wilfredo (Willy) Urbina
Urbina Properties
Real Estate Broker/ Realtor
CalBRE# 01911190
Notary Public Commission# 2029004
Unlawful Detainer Assistant (Evictions) #UN-38
Cell: 209-275-4192
Fax: 209-684-0099
Email: urbinaproperties@gmail.com
facebook.com/UrbinaProperties
... more
0 votes 5 answers Share Flag
Wed Sep 25, 2013
JR Thrasher answered:
Contact an attorney and ask if they violated the Fair Debt Collection Practices Act (FDCPA)

J.R. Thrasher
www.SanDiegoRealEstateVeterans.com
619-929-0105
0 votes 5 answers Share Flag
Sun Aug 18, 2013
shortylvta answered:
i am in a 4 bedroom 3 bath home i was pressured to sign a lease with a new owner for 1200 dollars which is over the rents in our neighborhood. i have only 1 working toilet which is broken but we can flush it. i have only flooring downstairs upstairs is all subflooring. in the one bathroom we can use the tile squares are all loose and coming off and subflooring is deteriorating along the tub and mold is on the subfloor directly infront of the toilet my grandson's miss the toilet sometimes so it smells. the master bathroom does not have a working shower or toilet their is a large hole in the dowstairs ceiling from the water leaking. It was bad we dont use the plumbing in that room. the water still leaks from the second bathroom but very little drops at a time. when we signed the lease the kitchen sink was broke and he promised to fix it asap but it took him 45 days. Under the sink there is alot of mold and damaged wood from the leaking. No heating in the master bedroom the vent is broken. one more bedroom has no working vent so there is no heat either and the third bedroom has a broken vent and some air come thru the the holes is dangerous i moved my boys downstairs in the dining room to accomade them becuase the vent works. the balcony wobble bad. What should this house rent for??? I am going to court on tuesday and i am being sued because i held rent for breach of habitability and i am coutering him for retaliation. his attorney came to my house and opened a windwow thinking we werent home and took pictures she threatened me they were never going to fix the house and they were calling cps becuase i havenot moved and i am leaving my kids in a dangerous atmosphere. someone please help stockton has no organizations or legal help at all at least help me with the amount this house should rent for. thank you so much ... more
0 votes 6 answers Share Flag
Thu Aug 15, 2013
Alexander Greer answered:
I was just looking through old post and I noticed yours. If you were not able to refinance at the time of the post, I can certainly help you out now. You can call me at 408-352-5147 or email me at AGreer@themortgageoutlet.com. You can check us out at http://www.TheMortgageOutlet.com. I will look at your situation and present you with some options.

Alex Greer
NMLS #1056079
... more
0 votes 11 answers Share Flag
Fri May 3, 2013
Ron Thomas answered:
This is really on your Agent:
He has two avenues that he can pursue:
He should have already consulted with his Broker; I'm assuming that he hasn't.
He could also talk to the CAR Legal Hot Line: He should know that too.
You could also have your Attorney draft a "letter"; everyone hates to get a "letter" from an Attorney: This may cost a couple hundred, but probably worth it.
What is the wording on your PURCHASE AGREEMENT concerning remedies and solutions?
... more
0 votes 3 answers Share Flag
Tue Apr 16, 2013
Rocky G.H. Hawrysz answered:
http://www.sjgov.org/Treasurer/dynamic.aspx?id=9517 Read and click on I agree and type in the address. It's public record, but as Randy indicates the county takes a while to update these records. If all else fails, you can visit:

44 N San Joaquin Street
Suite 230
Stockton, CA 95202
Phone: (209) 468-2630
Fax: (209) 468-8383
Office Hours: 8:30 - 4:30

I hope this helps,

Rocky G.H. Hawrysz
Prudential California Realty
(209) 444-6610 Direct
(209) 433-2000 Fax
rocky@prucalifornia.com
www.TeamHawrysz.com
License No. 01468373

Without Question, Committed to Your Success!
... more
0 votes 2 answers Share Flag
Fri Apr 12, 2013
Cindy Davis answered:
What are we talking about here? Are we talking about major appliances or something small? Have you talked to your landlord?
0 votes 3 answers Share Flag
Fri Apr 12, 2013
Randy Elliott answered:
When they show you proof that they're the new owner.
0 votes 2 answers Share Flag
Fri Apr 12, 2013
Rocky G.H. Hawrysz answered:
I would reach out to your Land Lord for clarification on the issues and perhaps let them know that you do not want to fix or repair anything else. Perhaps it's a misunderstanding and they are assuming you'd like to continue the remodel.

I again hope this helps.

Rocky G.H. Hawrysz
Prudential California Realty
(209) 444-6610 Direct
(209) 433-2000 Fax
(209) 915-6209 Mobile
rocky@prucalifornia.com
www.TeamHawrysz.com
License No. 01468373
... more
0 votes 3 answers Share Flag
Tue Apr 2, 2013
Joseph Finnerty answered:
Unless you have something in writing telling you when you need to be out, I would be pro-active and start working on getting everything out now. The banks have strong legal representation and you might not have anyone working on your behalf.

If the sheriff shows up and tells you that you need to leave and going back on the property will be trespassing, what are you going to do? I saw this happen to someone years ago. Of course, all the rules have changed since then and other agents have commented that you have at least 30 days.

If you can afford it, you should seek legal advice.

Best of luck,

Joe Finnerty
Prudential Patt White Real Estate
Lehigh Valley, PA
610-865-0033
www.lehighvalleyhomesonline.com
... more
0 votes 4 answers Share Flag
Wed Mar 20, 2013
Jennifer Bristol answered:
Real Estate Laws vary from State to State. It is best to ask a Realtor in that state for your answer.
0 votes 1 answer Share Flag
Tue Mar 5, 2013
V Kumar answered:
This is not legal advice. Please consult with an attorney for you take any steps towards making a concrete decision.

There are two types of bankruptcy filings and I'm going to try to explain that to you briefly.

CHAPTER 7 BANKRUPTCY
Banks are very aware that many homeowners are filing Chapter 7 Bankruptcy to delay their foreclosure. When filed, a Ch 7 will put an automatic Stay on all of your debts. That means that no creditors can proceed with debt collection. Therefore, immediately after the bank is notified of the filing they send their legal team to court to file a motion to lift the stay. Most banks are doing this so fast that the stay only keeps the homeowner in their house a few months. As soon as the stay is lifted, your house is back on the auction block and you now have a bankruptcy on your record.

CHAPTER 13 BANKRUPTCY
Similar to Chapter 7, when a Chapter 13 is filed it will stop creditors from collecting debts immediately. The difference is that Chapter 13s are the reorganization of debts. This will buy the homeowner a few more months, but the banks will still file a motion to lift the stay. Homeowners who are this delinquent are at a disadvantage in court against a valid creditor who has not been paid in an excessive amount of time. Again, as soon as the stay is lifted your house is back on the auction block and you now have a bankruptcy on your record.

FINANCIAL BENEFITS

CHAPTER 7 BANKRUPTCY
Chapter 7 Bankruptcy wipes the slate clean for people who qualify (qualifying for a BK is now tougher than ever). When approved, most debts can be released. This is a good choice for homeowners with a lot of unsecured debt (credit cards, personal loans...). Your mortgage is secured by your home, meaning that even after bankruptcy is filed they can still take your property. So the financial benefits only include removing unsecured debt.

CHAPTER 13 BANKRUPTCY
Chapter 13 is reorganization of debts. The judge is going to work with yourself and your creditors to plan out an acceptable repayment plan to all of them. Often the property will be removed from the BK as the delinquency is extreme and it is a secured loan. This is not a great option for homeowners looking to buy time.

CREDIT DAMAGE INCURRED
Bankruptcy: Filing any type of bankruptcy will have very strong consequences. Homeowners who file just to prolong the sale of their house disqualify from filing again for 7 years (in a Ch. 7). Therefore, you are vulnerable for that entire period. What happens if there is some medical emergency that incurs tremendous bills? You will not be able to protect yourself against getting your wages garnished. No matter what the debt or situation, you are no longer allowed to protect yourself because you used your 'free pass' on your foreclosure, which could have been handled much differently.Also, many companies pull credit and might not hire a candidate with a Bankruptcy on their record. In today's job market, can anyone afford such a big disadvantage?

However you do have other options to help you postpone your trustee sale without having to file for bankruptcy.

If you're looking to buy time in your house, you have a few options And you don't necessarily have to file for bankruptcy. Some of those options would include:

1) File a civil action and get a Temporary Restraining Order.
2) Develop a pro-active foreclosure litigation strategy.
3) Challenge/Subpoena the Trustee – Trustee Sale Verification.
4) Check if your loan has been Securitized and if it is, consult with an attorney who completely understands it.
5) List your property for a Short Sale.

If you need any assistance in this regard, please contact me by phone or email and I will do my best to help you or guide you in the right direction.
... more
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