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The Bank bought my house at Sheriff Sale

 
How long now?
User ID: 656366
United States
08/15/2009 12:46 AM
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The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.
Anonymous Coward
User ID: 748354
United States
08/15/2009 12:52 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.
 Quoting: How long now? 656366



The bank paid the deposit? 1rof1




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1 star
Anonymous Coward
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United States
08/15/2009 12:53 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.
 Quoting: How long now? 656366

A lock will be put on the door and a sticker affixed to the door, or front window and all contents in the home at that time these things happen belong to the bank, also you will be givin a trespass warning. Could be this morning when this takes place, could be monday??? One things for sure...Not much time now.
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:04 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.

A lock will be put on the door and a sticker affixed to the door, or front window and all contents in the home at that time these things happen belong to the bank, also you will be givin a trespass warning. Could be this morning when this takes place, could be monday??? One things for sure...Not much time now.
 Quoting: Anonymous Coward 748417



No way! I plan on staying at least 3 months...
They have 30 days to pay the remaining balance and then they will file for the deed.. which may take a month... and my deed is not clean! The only way to
get me out is an eviction which could take months...

They can't touch my stuff until I am evicted..so I say 3 months
confused
User ID: 748315
United States
08/15/2009 01:07 AM
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Re: The Bank bought my house at Sheriff Sale
The bank bought it from itself? That is strange?

Or do you mean another bank bought it from your lender?
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:08 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.

A lock will be put on the door and a sticker affixed to the door, or front window and all contents in the home at that time these things happen belong to the bank, also you will be givin a trespass warning. Could be this morning when this takes place, could be monday??? One things for sure...Not much time now.



No way! I plan on staying at least 3 months...
They have 30 days to pay the remaining balance and then they will file for the deed.. which may take a month... and my deed is not clean! The only way to
get me out is an eviction which could take months...

They can't touch my stuff until I am evicted..so I say 3 months
 Quoting: Anonymous Coward 656366

Laws vary from state to state. In most cases the ad/notice of sale placed in the newspaper is due service
Anonymous Coward
User ID: 748354
United States
08/15/2009 01:09 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.

A lock will be put on the door and a sticker affixed to the door, or front window and all contents in the home at that time these things happen belong to the bank, also you will be givin a trespass warning. Could be this morning when this takes place, could be monday??? One things for sure...Not much time now.



No way! I plan on staying at least 3 months...
They have 30 days to pay the remaining balance and then they will file for the deed.. which may take a month... and my deed is not clean! The only way to
get me out is an eviction which could take months...

They can't touch my stuff until I am evicted..so I say 3 months
 Quoting: Anonymous Coward 656366



You dont know much do you?


You cannot vote for this thread as you've exceeded your limit of 10 votes within 24hrs.



1/2 star if I could.
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:11 AM
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Re: The Bank bought my house at Sheriff Sale
The bank bought it from itself? That is strange?

Or do you mean another bank bought it from your lender?
 Quoting: confused 748315

the forclosure sale is open to the public, almost always the bank is the higest bidder(they only have to pay there selves) the debtor is responsable for the rest of the difference.
Anonymous Coward
User ID: 748354
United States
08/15/2009 01:12 AM
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Re: The Bank bought my house at Sheriff Sale
The bank bought it from itself? That is strange?

Or do you mean another bank bought it from your lender?
 Quoting: confused 748315



The bank bid its position. Did not put down a deposit. The only deposit is going to be from the OP with his 1st, last and sec.
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:14 AM
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Re: The Bank bought my house at Sheriff Sale
Opie, I would load up as much as I could in my car tonite. You know stuff you need/want the most.
Dr. Quibble

User ID: 744314
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08/15/2009 01:14 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.



The bank paid the deposit? 1rof1




bsflag


You cannot vote for this thread as you've exceeded your limit of 10 votes within 24hrs.

1 star
 Quoting: Anonymous Coward 748354


Its a good thing you can't vote more than 10 times a day... This is reasonable at the average and crap at the very least.
Dr., 1. To alter and make impure, as with the intention to deceive

Quibble, 1. To evade the truth or importance of an issue by raising trivial distinctions and objections.

Dr. Quibble
To alter and make impure the evasion of truth or importance of an issue with the intention to deceptively raise trivial distinctions and objections.

Not everything in this world is serious... some of it is a joke.

"Cursed with being wickedly british"
"Narcissist" - I wear it like a medal.
It is infact the sane that are weak with closed minds, only those outside the norm can see the truth.
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:15 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.

A lock will be put on the door and a sticker affixed to the door, or front window and all contents in the home at that time these things happen belong to the bank, also you will be givin a trespass warning. Could be this morning when this takes place, could be monday??? One things for sure...Not much time now.



No way! I plan on staying at least 3 months...
They have 30 days to pay the remaining balance and then they will file for the deed.. which may take a month... and my deed is not clean! The only way to
get me out is an eviction which could take months...

They can't touch my stuff until I am evicted..so I say 3 months



You dont know much do you?


You cannot vote for this thread as you've exceeded your limit of 10 votes within 24hrs.



1/2 star if I could.
 Quoting: Anonymous Coward 748354




OOOkay! I have emailed my sherrifs dept and they give me the info..
you are only trying to scare me.. they don't padlock you fool


to other poster..
What is due service? When the deed is tranferred?
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:17 AM
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Re: The Bank bought my house at Sheriff Sale
The bank bought it from itself? That is strange?

Or do you mean another bank bought it from your lender?



The bank bid its position. Did not put down a deposit. The only deposit is going to be from the OP with his 1st, last and sec.
 Quoting: Anonymous Coward 748354

Not going to be cheap or easy now his credit is shot.


Run Opie, Run!!
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:20 AM
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Re: The Bank bought my house at Sheriff Sale
OOOkay! I have emailed my sherrifs dept and they give me the info..
you are only trying to scare me.. they don't padlock you fool


to other poster..
What is due service? When the deed is tranferred?
 Quoting: Anonymous Coward 656366

Due Service = notice the property is to be sold on such and such day = after that sale Opie has no claim to the house.
mk?
Anonymous Coward
User ID: 748354
United States
08/15/2009 01:24 AM
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Re: The Bank bought my house at Sheriff Sale
OOOkay! I have emailed my sherrifs dept and they give me the info..
you are only trying to scare me.. they don't padlock you fool


to other poster..
What is due service? When the deed is tranferred?

Due Service = notice the property is to be sold on such and such day = after that sale Opie has no claim to the house.
mk?
 Quoting: Anonymous Coward 748417



You should have got a notice 30 -60 days ago before it went to the court house steps.
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:27 AM
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Re: The Bank bought my house at Sheriff Sale
The Bank is listed as the buyer.. My bank.. they paid the sale price (opening bid)
$82,000
they put down the deposit $6250..

its a good thing, I think.. its not like they are anxious to move in... they have to dump it on some property mangement or something
Anonymous Coward
User ID: 748417
United States
08/15/2009 01:28 AM
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Re: The Bank bought my house at Sheriff Sale
OOOkay! I have emailed my sherrifs dept and they give me the info..
you are only trying to scare me.. they don't padlock you fool


to other poster..
What is due service? When the deed is tranferred?

Due Service = notice the property is to be sold on such and such day = after that sale Opie has no claim to the house.
mk?



You should have got a notice 30 -60 days ago before it went to the court house steps.
 Quoting: Anonymous Coward 748354

Opie will soon find out. The samething happened to the house nextdoor to me and within 5 days after to sale the bank had contractors putting in new carpet, and all other kinds of stuff.
Anonymous Coward
User ID: 748354
United States
08/15/2009 01:30 AM
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Re: The Bank bought my house at Sheriff Sale
The Bank is listed as the buyer.. My bank.. they paid the sale price (opening bid)
$82,000
they put down the deposit $6250..

its a good thing, I think.. its not like they are anxious to move in... they have to dump it on some property mangement or something
 Quoting: Anonymous Coward 656366



All I can say is GOD BLESS YOU.
dabrute

User ID: 663873
United States
08/15/2009 01:30 AM
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Re: The Bank bought my house at Sheriff Sale
The Bank is listed as the buyer.. My bank.. they paid the sale price (opening bid)
$82,000
they put down the deposit $6250..

its a good thing, I think.. its not like they are anxious to move in... they have to dump it on some property mangement or something
 Quoting: Anonymous Coward 656366


What's it worth on the market?

They bought the house, not your stuff.
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:33 AM
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Re: The Bank bought my house at Sheriff Sale
Geez... why did i start this thread... they can not boot me out just yet... the deed must be transferred... these jokers are gonna try to get me to buy it back.
this a process.. they have to evict me thru the courts!
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:34 AM
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Re: The Bank bought my house at Sheriff Sale
The Bank is listed as the buyer.. My bank.. they paid the sale price (opening bid)
$82,000
they put down the deposit $6250..

its a good thing, I think.. its not like they are anxious to move in... they have to dump it on some property mangement or something


What's it worth on the market?

They bought the house, not your stuff.
 Quoting: dabrute


maybe $120,000 there is also a $11,000 lien on the property for 2nd mortage
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 01:42 AM
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Re: The Bank bought my house at Sheriff Sale
The Bank is listed as the buyer.. My bank.. they paid the sale price (opening bid)
$82,000
they put down the deposit $6250..

its a good thing, I think.. its not like they are anxious to move in... they have to dump it on some property mangement or something



All I can say is GOD BLESS YOU.
 Quoting: Anonymous Coward 748354


Thank-you!
everyone is flipping out...I knew it was coming... I have no many saved..
i have time! I will keep in touch with what is going on! They are not throwing
my out yet..They need a writ of possession... this thing takes a while..especially
with lawyers and such
Dirtfarmer

User ID: 745825
United States
08/15/2009 01:42 AM
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Re: The Bank bought my house at Sheriff Sale
Just today it happend! All I know is the bank bought it and they paid the
deposit... How long do you guys think til I move... So may things could happen.
 Quoting: How long now? 656366

Who else would buy it, unless you came in and paid it off in gold or silver?
How fortunate for governments that the people they administer don't think.
Adolf Hitler

When the government fears the people there is liberty; when the people fear the government there is tyranny.
Thomas Jefferson

"Expose yourself to your deepest fear; after that, fear has no power, and the fear of freedom shrinks and vanishes. You are free." Jim Morrison
*~*Faithful*~*

User ID: 726572
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08/15/2009 02:09 AM
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Re: The Bank bought my house at Sheriff Sale
OOOkay! I have emailed my sherrifs dept and they give me the info..
you are only trying to scare me.. they don't padlock you fool


to other poster..
What is due service? When the deed is tranferred?

Due Service = notice the property is to be sold on such and such day = after that sale Opie has no claim to the house.
mk?
 Quoting: Anonymous Coward 748417



In some states, there is a redemption period. Where I live, it is 365 days from the point of foreclosure. But if you owe $100,000 on your home, and are unable to keep it from going into foreclosure, then odds are that in 1 years time, you'll not have the $100,000 to redeem it.
Joh 4:23 But the hour cometh, and now is, when the true worshipers shall worship the Father in spirit and in truth: for the Father seeketh such to worship him. 24 God is a Spirit: and they that worship him must worship him in spirit and in truth.
Anonymous Coward
User ID: 585225
United States
08/15/2009 02:15 AM
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Re: The Bank bought my house at Sheriff Sale
OP don't be silly it does not take them long to throw you out at all it just depends on how quickly they want it done.
If they are lazy and couldn't care then 30 days.
But honestly they could have you out tomorrow if they really wanted to.
laundrybag

User ID: 722015
United States
08/15/2009 02:21 AM
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Re: The Bank bought my house at Sheriff Sale
after you leave i would burn the place down
if it happens in politics, it was planned that way
Hannah
User ID: 749049
United States
08/15/2009 02:32 AM
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Re: The Bank bought my house at Sheriff Sale
How long you have depends upon where you live. You should be able to get free or low cost legal assistance. Sometimes it is easier to let go of the past and start fresh. I hope everything turns out well for you.
XLR8

User ID: 737344
United States
08/15/2009 02:34 AM
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Re: The Bank bought my house at Sheriff Sale
Laws vary state to state, I think. I don't know, OP. If I were in your situation I'd pack up all the good stuff in life; Important documents, pictures, family movies, and get them stored away in a safe location. That's how I roll. I'd much rather err on the side of caution than leave things to chance.

In any case, I wish you much luck. Too many Americans are in the same predicament.

I'm not sure about the 3 months thing - however hopefully you will get enough time to formulate a plan. Life has taught me it's foolish and short sighted to count on anything pertaining to BANKS.

And even if you do get three more months, that puts your move out date right in the middle of November/The Holidays.

That's the worst time of year to ask anyone for moving help because everyone is busy doing family stuff in preparation for the holidays. To add more shit to the pile, November's weather is cold, wet and all around miserable.

Just my 2 bits. The good news is you'll survive and get through this bump in the road. Take care.
XLR8

Last Edited by XLR8 on 08/15/2009 02:38 AM
Czar: 1) An unelected person given substantial authority over a particular policy; 2) sometimes used to refer to monarchs of imperial Russia.
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“A government big enough to give you everything you want, is big enough to take away everything you have.” - Thomas Jefferson
9teen.47™

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08/15/2009 02:39 AM
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Re: The Bank bought my house at Sheriff Sale
OP,

You need to do a serious internet search for your state...like now.

There will be plenty of other people who have/are been in the same situation and there are ways to delay this for quite a few months.

I hope something works out for you. hf
Zec 12:3 And in that day will I make Jerusalem a burdensome stone for all people: all that burden themselves with it shall be cut in pieces, though all the people of the earth be gathered together against it.
Psa 9:17 The wicked shall be turned into hell, [and] all the nations that forget God.
Jer 6:2 I have likened the daughter of Zion to a comely and delicate [woman].
STOCK UP NOW. You should have at least 6 months worth of basics for every member of your household. Stay away from crowds when trouble starts, do not forget water storage, tobacco is worth more than gold or silver, and be kind to hungry children.
XLR8

User ID: 737344
United States
08/15/2009 02:52 AM
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Re: The Bank bought my house at Sheriff Sale
I sincerely hope this is helpful information for you, OP.

For Example: Here Are Ohio Laws:


[link to www.foreclosure.com]

How long does it take to foreclose a property in Ohio?

Depending on the court schedule, it usually takes approximately 150-180 days to effectuate an uncontested foreclosure. This process may be delayed if the borrower contests the action, seeks delays and adjournments of hearings, or files for bankruptcy.

In order to effectuate a foreclosure in Ohio, the following procedures must be followed:

1. A foreclosure complaint is filed in county court where the defendant has 28 days to file an answer otherwise a default judgment is entered. If an Answer is filed the case is adjudicated by summary judgment or trial. Once adjudicated a foreclosure decree is entered and the sheriff is directed to sell the property by foreclosure sale.

2. Three disinterested freeholders must provide an appraisal or estimate of the value of the property being foreclosed. The property cannot be offered for less than 2/3 of the appraisal or appraisement as it is commonly known.

3. The foreclosure sale must be advertised thirty (30) days in advance of the sale and such advertisement must occur once per week for three (3) consecutive weeks before the sale.

4. The Sheriff handles foreclosure sales in Ohio and these sales take place at the county courthouse. After the sale the sheriff will return a writ of execution indicating the sale has taken place and the court will determine if the sale has been undertaken legally which is called a confirmation. Once a confirmation takes place any right of redemption is extinguished and a deed is issued to the purchaser.


Is there a right of redemption in Ohio?

Ohio has a statutory right of redemption, which allows a party whose property has been foreclosed to reclaim that property by making payment in full of the sum of the unpaid loan plus costs. There is a time limit to undertake such redemption which must occur before confirmation of the of the foreclosure sale by the county court.


Are deficiency judgments permitted in Ohio?

Yes. A deficiency judgment may be obtained when a property in foreclosure is sold at a public sale for less than the loan amount which the underlying mortgage secures. This means that the borrower still owes the lender for the difference between what the property sold for at auction and the amount of the original loan. There is a two (2) year limit on the enforceability of any deficiency judgment unless the borrower agrees in writing to extend the time to enforce the same.


What statutes govern Ohio foreclosures?

The laws that govern Ohio foreclosures are found in §2323.07 of Ohio Revised Code.

[link to onlinedocs.andersonpublishing.com]


Last Edited by XLR8 on 08/15/2009 02:55 AM
Czar: 1) An unelected person given substantial authority over a particular policy; 2) sometimes used to refer to monarchs of imperial Russia.
----------
“A government big enough to give you everything you want, is big enough to take away everything you have.” - Thomas Jefferson
Anonymous Coward (OP)
User ID: 656366
United States
08/15/2009 10:07 AM
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Re: The Bank bought my house at Sheriff Sale
Thanks XLR8 I am in Ohio.

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