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    Seller Disclosure: Re: What Steps Should Be Taken Realtor and Seller Did Not Disclose Major Issue

    I am not one to say "go find a lawyer" as most people come onto this site for information.

    However, you need a lawyer NOW. This is not something you should handle on your own. You have multiple...
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    Re: Indiana Home Judgment

    In Indiana the SOL is 10 years and yes it can be renewed. Here is a link;
    ...
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    Change of Ownership: Re: Notice of Trustee's Sale

    You have to pay your landlord rent while they are the owner of the property. They may very well be doing a refinance right now. The day of the trustee sale if it does take place is the date you...
  4. Foreclosure: Re: Fl Judge Ordered Lender to Produce Note How Lomh Do the Have

    The loan is in MERS as it was assigned to Chase. It does not have to be recorded as MERS to be in the MERS system. Mers primary function is to handle paperless transfers.
  5. Chapter 7: Re: Deficiency After Voluntary Repossession and Bankruptcy

    In a chapter 7 bankruptcy your auto loan deficiency will be discharged. Auto loans are not like credit cards. You can kiss the deficiency goodbye at discharge. You will not owe the lender anything...
  6. Foreclosure: Re: Fl Judge Ordered Lender to Produce Note How Lomh Do the Have

    Every mortgage that WAMU owned is in the MERS system. Therefore, yours is in there as well.

    For the assignment to be found will only take a few seconds and can be produced easily. However, The...
  7. Collection Lawsuits: Re: Filing Date, Court Date, and Statute of Limitations

    Here is a link to SOL's;

    http://www.suzeorman.com/igsbase/igstemplate.cfm?SRC=MD012&SRCN=aoedetails&GnavID=84&SnavID=20&TnavID=&AreasofExpertiseID=24
  8. Foreclosure: Re: Fl Judge Ordered Lender to Produce Note How Lomh Do the Have

    Since all WAMU mortgages are in the MERS system all Chase has to do is a pull of docs from MERS. MERS has all the assignments and it only takes a few seconds for them to produce it. It is not a stall...
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    Foreclosure: Re: Sheriff's Sale in Michigan

    That is not how it works.

    The lender will post the property for a low price as what happend in your case. If somone bids the lender will continue to bid up against the person up to the amount you...
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    Foreclosure: Re: In the Foreclosure Process

    You will be fine as far as the IRS is concerned. If you do get a 1099-C or A just file a form 982 so you will not have to pay taxes on it.

    Here is a link to the law;
    ...
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    Foreclosure: Re: RESPA and TILA Violations

    I would suggest that you do not spend the money for this with your attorney. CA is a NON JUDICIAL foreclosure state. Who would you plead your case to ? the trustee? I think not.

    I suggest you...
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    Repossession: Re: Repossesion in New York

    Yes, that is how it works in NY
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    Credit Reports: Re: Error in Credit Report

    You can contact the credit bureaus and have the account that is NOT yours deleted as it is a fraud account.

    You need to pull all of your credit reports to see exactly what is on them. The bureaus...
  14. Thread: Quit Claim Deed

    by OhMy
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    Deeds - Quitclaim: Re: Quit Claim Deed

    A will can be changed at any time.

    To prevent this the husband needs to quit claim his share to "(wifes name AND childs name AS JOINT TENANTS WITH RIGHT OF SURVIVORSHIP)"

    Then if the wife dies...
  15. Thread: Credit Report

    by OhMy
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    Debt Collectors: Re: Credit Report

    You need to check all 3 credit reports. Just because it is not on one, does not mean it is not on another. Usually collections will only report to one of the three bureaus.

    You can access all 3...
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    Mineral Rights: Re: What to Ask for Before Signing

    If you have all the details of the land you can check the value of it on this site;

    http://www.zillow.com/
  17. Thread: Foreclosure House

    by OhMy
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    Re: Foreclosure House

    Here is a link to the law;

    http://turbotax.intuit.com/tax-tools/tax-tips/home-ownership/5512.html
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    Foreclosure: Re: Names on Title Versus Names on Mortgage

    If her name was never on the mortgage it will not go onto her credit report.

    Only the actual mortgage signers will have the FICO score hit.

    As far as her name on the deed, that will just be...
  19. Foreclosure: Re: Forclosure in California with HELOC, Deficiency Law

    If you signed a "power of sale clause" then the loan can only be foreclosed as non judicial.

    As aaron stated you need to read your original loan docs. If the second was recorded with your...
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    Foreclosure: Re: Judicial Foreclosure in Texas

    I am confused. TX is a non judical foreclosure state. All loans in TX are foreclosed under a power of sale clause, unless the loan was orginated prior to 1983.
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    Foreclosure: Re: Buying a Foreclosure

    It sounds like you where not told the truth. If you where not told it was a short sale and that it was a foreclosure you where lied to. I would sue for specific performance. Just be sure that the...
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    Foreclosure: Re: Charged Off My 2nd Mortgage

    The second mortgage can foreclose and you can lose the house. A charge off is nothing more then the debt being taken off on the lenders taxes.

    You need to contact the second mortgage and work out...
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    Repossession: Re: Repossesion in New York

    They can come onto property and repo a vehicle. They can cut a lock off a fence etc. If you have the car in a garage, they can come with a sheriff with a court order for the garage to be opened.
  24. Thread: Michigan Repo Law

    by OhMy
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    Repossession: Re: Michigan Repo Law

    I am sorry to hear of your problem.

    They can repo a vehicle when it is one day past due. There is no law that states that they have to wait 60 days.

    When there is a history of late payments...
  25. Thread: Grand Theft Auto

    by OhMy
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    Theft and Larceny: Re: Grand Theft Auto

    It is not up to you. Once the person was arrested it is up to the state to prosecute. You have no say at this point.
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