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Foreclosure in Napa County : Real Estate Advice

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Activity 10
Fri Aug 27, 2010
William Frias asked:
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Fri Jul 16, 2010
Kamal Randhawa answered:
Hello Wensky,

The price you see on 3rd party listing sites is usually the amount that the owner is behind in paying. It's not the actual price of the property. If the owner pays the amount due, he/she will be able to keep the property but if not, the property may go into foreclosure. Once foreclosed upon, it will be listed with an agent at market value.

Kamal Randhawa
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Fri Jan 14, 2011
Craig Bassignani answered:
Call me at 707 9748970 with a client till 2:00
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Fri Jun 18, 2010
Anna M Brocco answered:
You may want to ask your question again and be more specific as to what phone number--in the meantime if interested in a property, any local agent can help you--contact any realty office(s) and inquire. ... more
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Tue Dec 15, 2009
Craig Bassignani answered:
Hi Hannah,

I was just going to email you about some credit repair clients
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Sat Jun 6, 2009
Eric H. Wong answered:
Man, this is a really tough question. Title is supposed to deliver the property to you free of any encumbrances and leins, but banks tend to act like little fiefdoms with little or no concern for commen practice and local ordinances. I wish I had a good answer for you. I will be watching as well to see what our community of agents comes up with.
If worse comes to worse, you could just walk away, let it foreclose, and then get it in foreclosure.
I wish I could be of more help.

Good Luck
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Wed Jul 30, 2008
The Meadows Team answered:
It depends on the situation, please keep in mind that you are dealing with someone that has just lost their home and this can become a dangerous situation. If you have a a disgruntled previous owner you may want to enlist the services of a real estate lawyer. If you feel that this is a peaceful situation then a real estate agent will suffice. Either way, evicting someone is a legal process and must be approached the same way whether it be an agent or a lawyer. ... more
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Tue Jul 29, 2008
Eric Bolen & Andy Paulson answered:
In the event that such unit is occupied by someone other than the Trustor, a 30 Day Notice to Quit is required.

Once served, such notice must expire before the commencement of any action in Unlawful Detainer. Once an Unlawful Detainer is filed, it must be served on the defendant/tenant. If personal service is available, such defendant has 5 days within which to respond to the complaint. If not able to serve personally, an order to post and mail such complaint must be obtained from the court. Such post and mail service will add a minimum of 15 days to the response period.

Once served, the matter can take two courses. One, being where the defendant does not respond to the complaint. In such an event, a default is requested and a judgment for possession should be available within 10 days of such default. Such judgment is than forwarded to the County Sheriff for execution.

If the Defendant does answer the complaint, a trial request is forwarded to the court and the trial in the action is ordinarily set within 20 days of such request. Once judgment is entered by the court, such judgment is forwarded, in a form of a Writ of Possession, to the Sheriff for execution.

Thus, an eviction that does not involve any delay tactics by the defendant should be completed within 30 to 40 days after the expiration of the Notice To Quit.

As indicated above, once a judgment for possession is obtained, it must be forwarded to the County Sheriff for execution. The Sheriff could take approximately three weeks to actually conduct the lock-out. Adding such additional time to the time necessary for an unlawful detainer action, an Unlawful Detainer action in which the defendant does not use any delay tactics takes approximately one and a half to two months to complete.
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Sun Jul 27, 2008
Jim Walker answered:
This is not even an apples and oranges comparison. It is more like apples and spaghetti.

Having the 2nd wipe out of lien position on the county records has absolutely no effect on the credit reporting system. - The county records and the credit repository are two entirely different data bases, een though some information in one data base may also be in the other. Such as some of the infromation about mortgage debts.

The answer is that there is no immediate effect on your credit score from the lien being removed from the 2nd debt. That does not get it removed from the credit record.

However, after the security has been removed from the debt, you may be able to negotiate wth the creditor who holds the second position deed of trust to ask them to report your obligation as something other than a bad debt.
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Sun Jul 27, 2008
Homa Moaddel answered:
Hi Mark,

Without seeing what you have purchased it is hard to give opinion. But a lien holder become the owner if he/she can foreclose. How about the first lien holder? If the first lien holder forecloses on a property the subsequent lien holder(second and on) will be wipe out.


Broker Associates
Prudential California Realty
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