I'm not entirely sure what your reference is to an"unfunction" home. However, if the conditions are as bad as you describe the residence may not be legally "habitable" or even compliant with local housing code requirements.
Unless there is no other housing or unless this is the only rental in your price range, I would look at other properties
Additionally, you may want to put a call into your local city hall to discuss your concerns about the habitability of this residence. As...
Forensic Mortgage Analysis usually involves examining the mortgage and note to determine whether the mortgage lender and/or mortgage servicer complied with federal law by making required disclosures under the Truth and Lending Act (TILA) and or other federal statutes.
In a foreclosure context, the Truth and Lending Act usually only applies to non-purchase loans secured by residential property, eg. Home Equity Lines of Credit (HELOCS) or second mortgages.
Required disclosures usually...
If you file a Chapter 13 Bankruptcy, all this will do is allow you to make current payments, and an extra amount to pay off any arrearages. In other words you'd have a higher monthly payment than you do now.
Another option would be to look into the mortgage you took out, to see if there was any lender irregularity, fraud, or any other defenses you had to foreclosure.
The last fall back position would be to seek a "short sale", that is getting your lender to agree to accept less...
If the tenant hires me to defend him or her, it will be very difficult for you to evict the tenant
Just an FYI, I have a pretty decent track record, and you can research that fact by looking at a few cases of mine starting with US Bank v. Ibanez
I AM LICENSED in Massachusetts.
While my sister in the law is technically correct in that if the auction has not been held, technically the property is still yours, I would not advise "cutting the locks off" of the property.
A better approach would be to contact the Realtor immediately, and explain your situation. Any reputable Realtor would help you retrieve your personal property asap.
If you are still having trouble with this visit my website for more information.
Unfortunately, as you and the ex-wife are listed as co-debtors, yes the lender(s) can "go after " both parties.
As far as what the previous attorney who answered was referring to bankruptcy, I believe it was in reference to a Chapter 13 re-organization.
With a chapter 13, you continue to make your current mortgage payment and additionally an amount per month to make up any arrearages. I agree this may not be the right solution to your problem.
Another avenue to potentially...
If the ring was given as a birthday, christmas or other holiday gift, it could POSSIBLY be considered as evidencing a donative intent (gift).
But the usual case in Massachusetts, were the donee (one whom ring was given to), breaks off the engagement, the ring must be returned to the donor (the giver).
Therefore as my brother in the law, who answered your question before me rightly stated, I'd need more information as to when the ring was given, and more importantly who broke off the...
They would be premitted to enter with reasonable notice to you, however when they enter without notice they are trespassing, and potential engaged in a constructive breaking an entering.
You are paying rent, and while still a tenant you have the exclusive right to the interior of your arartment.
Explain this to your "friendly" Realtor, or contact me, and I will explain it him/her that under no uncertain terms will he/she EVER show up in your apartment ever again....
While having an owners title insurance policy probably is better than not having one, just because you have an "Owner's policy" won't magically put humpty dumpty back together again.
An owner's title policy is a policy of "indemnity" not insurance and therefore most times the title ins co will try to "resolve" the issue, and can tell you that's "good enough"
IF THE FACTS ARE AS YOU STATE, YOU ABOSULETLY HAVE AN AFFIRMATIVE ACTION AS AGAINST BofA for selling property without marketable...
It depends whether you are being evicted for non-payment of rent,.
If you haven't been paying your rent the landlord can expedite your evicition in some jurisdictions, you should check with a licensed atttorney in your state.