Godlike Productions - Conspiracy Forum
Users Online Now: 2,257 (Who's On?)Visitors Today: 1,505,966
Pageviews Today: 2,186,128Threads Today: 478Posts Today: 12,028
08:25 PM


Rate this Thread

Absolute BS Crap Reasonable Nice Amazing
 

I just got notice of foreclosure, should I file bankruptcy instead?

 
Anonymous Coward
User ID: 300370
United States
04/14/2008 12:18 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
we have a friend here in FL, and his home with your same bank..and also had lost job & they getting ready to foreclose...the rep at the bank told him to get any job, even a walmart greeter (he previously had been in real estate for 40 years) and that they had program that would subsidize the REST of his house payment. ($2600 / month) not sure if program thru state of florida or bank, but is contingent upon income.
Anonymous Coward
User ID: 399681
United States
04/14/2008 12:21 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Is there a date for a sherrif sale yet.. have you received the notice.. In my county
you can check the website and you can see how far off it would be if not scheduled yet.. this will give you an idea of how much time you have left..
If you don't care about your credit.. File a chapter 7 .. to stall it.. I don't really know exactly where you are with the mortgage co.. call a chapter 7 lawyer..
a good one, they maybe able to give you a time frame.. I filed chapter 7 in Septemeber and i am still in my house.. I have no idea what is going on
my mortgage co.. doesn't either... I keep checking my sherrifs dept and the
sherrifs sale are allready up to June20, so i am thinking i have that long and
I've also learned that it takes maybe six weeks after the sherrif sale to kick you
out.. GOOD LUCK!
MissKitty (OP)

User ID: 412757
United States
04/14/2008 12:25 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Well it wasn't always a problem, before my husband was netting 6000 a month now we barely clear 3200. His new company is better to him, more job security but crappy wage. same industry though.
God never gives you anything that you can't handle. So buck up and handle your shit!
anonomous
User ID: 415003
United States
04/14/2008 12:32 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
try to find buyer who can qualify to assume all responsibly on note requirements.friends realatives gice flyer to all you kno.but be carefu who gets into your hoe.sell it as is no waranty tel buyer to get report on contion of everything.. hidden drefects ts.that you offer bo such warnity for any reason that the waiv e all future complaints against you concering any and all drefects.for this good deal they are recieving...lender may even drop interest rate to keep from being stuck wit house for probably months yrs.....house could sitting there geting vandalised.many lenders know this is, the only course to take now.lender might rush applicant through.. god bless i know you are worried.get release of all financial responsible fr everything from lender..credit worthy people only...
Anonymous Coward
User ID: 321697
Canada
04/14/2008 12:35 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
TPTB now have proof you are looking for an easy dishonest way out and you'll just end up with a kangaroo court instead of receiving the help you require by your own government.

I'd like leave the country and live as an illegal alien somewhere else. The only real cure to this increasing problem for many.
Anonymous Coward
User ID: 321697
Canada
04/14/2008 12:36 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
TPTB now have proof you are looking for an easy dishonest way out and you'll just end up with a kangaroo court instead of receiving the help you require by your own government.

I'd like leave the country and live as an illegal alien somewhere else. The only real cure to this increasing problem for many.
Anonymous Coward
User ID: 353013
United States
04/14/2008 12:39 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Take anything of value that you own and put it in storage with a trusted friend or relative, or have them rent a storage locker in their name. All your belongings can be seized when the sheriff finally comes knocking.

That being said, however, it takes a long time to get evicted.

Why haven't you spent some time researching this before now? Surely you have known you had a major problem looming.

You need to get up to speed on this, google is your friend, do as much research as you can and remember that the laws for one state are not the laws for another state.

Have you looked into your state's government-backed programs? California has huge programs in place with websites and personnel to help homeowners in trouble. Maybe your state has something similar.

[link to www.gov.ca.gov]

[link to www.yourhome.ca.gov]

Maybe you can get some ideas at their website even if you are in a different state. Try to protect yourselves from homelessness at all costs...it's a very hard climb out.
MissKitty (OP)

User ID: 412757
United States
04/14/2008 12:40 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
no I am looking for a legal way out. I want a better life for my kids and we can't afford the house. I will never buy a house again. Documents were changed at signing. Interest rate soared. they screwed us. We have tried everything that we could think of to keep the house, nothing has worked. So we want enough time to save up so that we aren't homeless, is that TOO MUCH to ask?
God never gives you anything that you can't handle. So buck up and handle your shit!
Anonymous Coward
User ID: 290624
United States
04/14/2008 12:41 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
God all these greedy losers buying houses and having no clue how they're going to pay for it, damn leeches shouldn't have been so greedy and let someone who could actually AFFORD it buy it. Now you've fucked over the country. Congratulations.
MissKitty (OP)

User ID: 412757
United States
04/14/2008 12:42 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
we hope to be in a moving truck before the sheriff comes knocking. I WILL NOT let my kids experience that!
God never gives you anything that you can't handle. So buck up and handle your shit!
MissKitty (OP)

User ID: 412757
United States
04/14/2008 12:44 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
God all these greedy losers buying houses and having no clue how they're going to pay for it, damn leeches shouldn't have been so greedy and let someone who could actually AFFORD it buy it. Now you've fucked over the country. Congratulations.
 Quoting: Anonymous Coward 290624

F U we could afford it quite well before the company let him and like 150 people go.
God never gives you anything that you can't handle. So buck up and handle your shit!
C.
User ID: 409911
United States
04/14/2008 12:47 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
loser

He probably lives off of his parents.
 Quoting: Anonymous Coward 403022


Yeah, but I have to admire him somehow. At least he knows how to spell the word "loser".
The Antichrist 666

User ID: 365261
United States
04/14/2008 12:52 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
I just got notice of foreclosure, should I file bankruptcy instead? I don't want our house, we are moving out of state anyway for a new job. We can't recover any money on our home so it is pointless to sell. We need a little more time before we move out to save up. Any advice?
 Quoting: MissKitty

Hey kitty, I'm a real estate invester i buy foreclosed homes! What you want to do is sell your house. If you run and ad: For sale forclosure house for less then appraised value!!! An investor in your area will know what to do see an investor can call your bank and make an offer directly to them for only 60% of what you owe and alot of investors will jump on that more than likely buying the property from the bank for that amount is way under the appraisal of the house! You will be able to save your credit by not having to file bankruptcy and your house won't foreclose! ;{>
Anonymous Coward
User ID: 290624
United States
04/14/2008 12:54 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
How the hell can't you get by making over $3K a month?

Did you buy a mansion or something?

How greedy can you get
MissKitty (OP)

User ID: 412757
United States
04/14/2008 12:56 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
How the hell can't you get by making over $3K a month?

Did you buy a mansion or something?

How greedy can you get
 Quoting: Anonymous Coward 290624

The house is up to 2100 a month now...adjustable rate have you heard of it...and where I lived that is not much!
God never gives you anything that you can't handle. So buck up and handle your shit!
Anonymous Coward
User ID: 392006
United States
04/14/2008 12:57 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
I would immediately Counter-Sue for the total sum plus emotional damage and Harassment. This is unjust and untoward.
C.
User ID: 409911
United States
04/14/2008 12:57 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
How the hell can't you get by making over $3K a month?

Did you buy a mansion or something?

How greedy can you get
 Quoting: Anonymous Coward 290624


Lots of people did that.
The Antichrist 666

User ID: 365261
United States
04/14/2008 12:58 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
How the hell can't you get by making over $3K a month?

Did you buy a mansion or something?

How greedy can you get

The house is up to 2100 a month now...adjustable rate have you heard of it...and where I lived that is not much!
 Quoting: MissKitty

So, did they threaten you with foreclosure, or it's in process of foreclosure, or it's forclosed already?
MissKitty (OP)

User ID: 412757
United States
04/14/2008 01:00 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
I just got notice of foreclosure, should I file bankruptcy instead? I don't want our house, we are moving out of state anyway for a new job. We can't recover any money on our home so it is pointless to sell. We need a little more time before we move out to save up. Any advice?

Hey kitty, I'm a real estate invester i buy foreclosed homes! What you want to do is sell your house. If you run and ad: For sale forclosure house for less then appraised value!!! An investor in your area will know what to do see an investor can call your bank and make an offer directly to them for only 60% of what you owe and alot of investors will jump on that more than likely buying the property from the bank for that amount is way under the appraisal of the house! You will be able to save your credit by not having to file bankruptcy and your house won't foreclose! ;{>
 Quoting: The Antichrist 666

will that buy us time?
God never gives you anything that you can't handle. So buck up and handle your shit!
MissKitty (OP)

User ID: 412757
United States
04/14/2008 01:02 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
It's been recorded that the account is in default with the county recorder.
God never gives you anything that you can't handle. So buck up and handle your shit!
The Antichrist 666

User ID: 365261
United States
04/14/2008 01:06 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
I just got notice of foreclosure, should I file bankruptcy instead? I don't want our house, we are moving out of state anyway for a new job. We can't recover any money on our home so it is pointless to sell. We need a little more time before we move out to save up. Any advice?

Hey kitty, I'm a real estate invester i buy foreclosed homes! What you want to do is sell your house. If you run and ad: For sale forclosure house for less then appraised value!!! An investor in your area will know what to do see an investor can call your bank and make an offer directly to them for only 60% of what you owe and alot of investors will jump on that more than likely buying the property from the bank for that amount is way under the appraisal of the house! You will be able to save your credit by not having to file bankruptcy and your house won't foreclose! ;{>

will that buy us time?
 Quoting: MissKitty

Heck yah 30, 60, and some times 90 days! Call your bank and tell them you have a buyer even if you don't! They'll be happy with that! Either way it will buy you more time even if you don't, and prolong the foreclosure!

They don't want it to foreclose as much as you don't and in most cases with these arm loans, people are able to call their banker and negotiate their rates down by threating foreclosure but your deal may be beyond that point usually it with people who are still making thier payments on time!
C.
User ID: 409911
United States
04/14/2008 01:07 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Pay attention, Miss Kitty. It won't buy you time.

Someone will buy your house and you will have to M-O-V-E.
Get it? That adjustable rate prolly killed you all. Dam.
The Antichrist 666

User ID: 365261
United States
04/14/2008 01:08 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
It's been recorded that the account is in default with the county recorder.
 Quoting: MissKitty

yah! It may be too late! I would still call the bank and find out! Tell them you have a buyer! If they said it not to late then you can work it out!
Anonymous Coward
User ID: 357422
United States
04/14/2008 01:44 AM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Are there any ways to stall a couple months?
 Quoting: MissKitty


It'll take more than 2 months for them to evict you if you do nothing.

If you want to live there without paying, insist on them presenting the ORIGINAL signed loan agreement and note in court. They can't get ownership of the house in court if you insist on them presenting it unless they have it.
The Antichrist 666

User ID: 407434
United States
04/14/2008 06:42 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
It's been recorded that the account is in default with the county recorder.
 Quoting: MissKitty

Never hurts to try!
Anonymous Coward
User ID: 330512
United States
04/14/2008 06:44 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Write your bank and request a SHort Sale or Deed in Lieu...
Do it now.

Stall the foreclosure.
Anonymous Coward
User ID: 389793
United States
04/14/2008 06:54 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
Call an attorney NOW!! He/she will explain what you need to know.
Anonymous Coward
User ID: 408750
United States
04/14/2008 06:55 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
the guy who replied"loser" is probably a bankster or a reatwhore.
They don't like it when the slaves smell freedom.
Anonymous Coward
User ID: 12306
United States
04/14/2008 06:55 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
The roof is on fire.

bdance
Anonymous Coward
User ID: 408750
United States
04/14/2008 06:56 PM
Report Abusive Post
Report Copyright Violation
Re: I just got notice of foreclosure, should I file bankruptcy instead?
sorry that would be "realtwhore" as in sales agent of the banksters.

News








Proud Member Of The Angry Mob