my home is in forclosure,help?
608970
I would love to tell you that everything will be alright. But you are in a very tuff situation. It sounds like the pinnacle of either some hard times or poor choices are catching up to you. The first thing is look to a mortgage loan BROKER, not a bank.. A broker is going to work with a greater number of banks and lenders that will be able to offer you a mortgage if there is one available to you. There are loans out there up to 125% of your homes value that can be utilized in a refinance. However loans that high are often offered only to good credit high FICO score borrowers. IF you have not had a lot of lates since the Bankruptcy you might be in luck, however if you have had lates since.. you are really not in a good position to refinance. Antoher option is somehting called a "Short Sale" this is an option that you may know about from all the mailers you are getting from real estate agents and or investors that saw your home listed in forclosure... It is where you find a seller to your home, and the offer is presented to the lender (your real estate agent can do this) and the lender agrees to "forgive" the loan to whatever amount and sell the home for less than you currently owe.\n\nLet me tell you as someone in finance and mortgages this is one of the best options to you. Whatever the situation and however you got there, you want to walk away in the best situation you can. You bought a home once, and can again but don't let it go all the way to forclosure waiting for something magical to happen because it usually does not.. Sel it using a short sale and walk away from it without a forclosure.. It does not sound like you have any equity to lose and if you walk away without a forclosure on your credit and without the debt of mortgage balance on a home you longer own you will be in a better spot.\nOnce that is done you and your husband can focus on getting back on your feet. Best of luck to you!
933570
If you can afford to get the repairs done, do it and let things go. The time, worry and effort involved in getting anything back at all will probably not be worth it.\n\nTake the money, sign what they ask for and include a clause that they also consider the matter closed and they will take no further action etc..\n\nConcentrate your efforts on reletting the property and keeping it let. Learn a lesson and move on.
278560
I'm not sure what your asking here, but, forclosed homes are property that the bank or finacial institutions seize. IF someone files bankruptcy than it's a possiblity they may be able to keep their home on a repayment plan or some sort.  Hopefully, this helps.
937857
go to court n get a laywer.....best idea
248393
go to realtor.com to search if it is for sale.  Then go to forclosure.com and search for forclosures in the area.  These 2 sites have always worked great for me.
153527
Go to the RRA... Renters Rights Association. They will handle it! They eat that kinda crap up... I know cuz I have been an apartment manager b4 and the owners where total asses... there was so many things i couldnt do after the tentants were promised things by the owners then went back on em... good luck
704042
Goto your local court house or goto www.foreclosure.com(they give you a 7 day free trial too)
935489
call up the court I guarantee they got your case log they can tell ya right off the bat. they don't want to have to clog up the court room.
1002027
You are on the right path.  You have got to get as much homeowners involved as possible.  If you guys still have access to your old by-laws, they might give you a summary of the protocol you should follow after a property management co. has taken over.  If not, contact another homeowner's association office to ask for advise.  If that doesn't help, get online and find someone that can!!  I'd call Kens 5 - Five on Your Side!! Assuming you're in Texas (san antonio)
1008040
First of all, you do not want to stop paying rent without being advised to do so by an attorney.  If you make that choice, your landlord has more rights to evict you.  You need to protect your renters rights.  There should be a Legal Aid office in your county.  Those attorneys do pro bono work to protect renters.  You can get legal advice and find out exactly what your rights are and learn the steps you need to take to protect them.  The attorneys there can help you file the neccessary paperwork.  Best of all, this service is free to you, or based on a sliding scale.\n\nUnder most state and local laws, landlords must offer and maintain housing that satisfies basic habitability requirements, such as adequate weatherproofing, available heat, water and electricity, and clean, sanitary, and structurally safe premises.\n\nLocal building or housing codes typically set specific standards, such as the minimum requirements for light, ventilation, and electrical wiring. Many cities require the installation of smoke detectors in residential units and specify security measures involving locks and keys.\n\nYour local building or housing authority, and health or fire department, can provide information on local housing codes and penalties for violations.\n\nIf a tenant requests repairs and the landlord or property manager doesn't meet the habitability requirements, a tenant usually has several options, depending on the state. What can be done if a landlord won't make repairs?\n\nThese options include:\n\n1. Send a letter to the landlord listing all the problems. \n2. Ask the local housing inspector to visit and verify problems. \n3. Keep a copy of the letter and inspection report. \n\nIf repairs aren't made in 14 days, you can file a court action called a rent escrow. In rent escrow, rent is paid to court instead of to the landlord. \n\nIt's not a good idea to make the repairs and deduct the cost from rent unless a court order allows you to repair and deduct. These options below will also depend on what the attorney advises as well:\n\n4. withholding the entire rent until the problem is fixed \n5. paying less rent while the rental remains substandard \n6. calling the local building inspector, who can usually order the landlord to make repairs, or \n7. moving out without responsibility for future rent, even in the middle of a lease. \n8. A tenant can also sue the landlord for a partial refund of past rent, and in some circumstances can sue for the discomfort, annoyance, and emotional distress caused by the substandard conditions.
392496
Go to court house and ask for deparment that handles foreclosures, they can help you.
892743
Legally you are in the right. \n\nYou really have 3 alternatives:\n\n1. File an action in civil court, where you request the court to force the seller to perform per the terms of the contract (force her to sell you the house).  This will take a long time and since you probably can't buy another in the meantime; the wait could put a big damper on your life.\n\n2. Move on and find another house that fits your needs.  Once you purchase this home you can assess the damages and sue the first seller for your losses IE. similar house but had to pay more money, moving twice, etc... \n\n3. Get the seller to refund you any out pocket expenses IE. appraisal, inspections. etc. and chalk it up to learning experience.\n\nDon't forget lawyers fees aren't cheap; so unless your talking big bucks in losses your probably better off licking your wounds & moving on. \n\nGood Luck
266160
Take your contract to a lawyer and look for an opt out.  Homeowner associations are notoriously corrupt.  For instance they can force a sale of property by claiming they never got your money and then their friend buys it up at a forclosure auction that isn't advertised.
500881
Contact the housing authorities, or land lord tenant court....and good luck.
23750
The state that you live in should have Tenant/Landlord on their website.  It sounds to me that you may be able to put your rent money in Esgrow until the Landlord makes the repairs.  Be certain to keep a Journal and write everything.  Send certified letters to your Landlord...do it all in writing.
1162958
I would advise against changing the locks, keeping their valuables, etc.  This will only make the problem worse.  \n\nI would talk to the landlord about your problem- perhaps he/she will have better luck with the attorneys/courts.  Also, if the landlord can't help you, try finding another attorney.  They can't all be bad and they can help you with the eviction.\n\nIf all else fails, just call the cops if they show up.  The police will help you sort everything out.  Or, you could always move.
224949
The most important thing for you to do is find a reputable contractor to repair you house after it have been damaged severely.  \nIf anything else was potentially destroying your most valuable investment would you cut corners???\n\nSeriously, your being silly.  Call a professional.