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Robinson Sean Rowe
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Robinson Rowe’s Answers

94 total

  • Our home sale just fell through on our upside down mortgage. We've moved to a rental. What could the bank seize in a short sale?

    Husband bought the house in 2007 for 280k. We now owe about 208k. Sale price was 194k. We were bringing the difference to closing. Home prices in our neighborhood are nosediving. We attempted loan modification prior to listing the house, but were...

    Robinson’s Answer

    Yes, you NEED to start thinking DEFENSE. Try to short sale the house - and hope that the lender either agrees to forgive the overrage or does not pursue it. If the attempt to pursue this debt, look into bankruptcy to protect your retirement funds and what assets you can shield in bankruptcy.

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  • Hello. I am trying to get a default judgement vacated in the state of Maryland for medical bills I am not sure are actully mine

    I was never served, and was completly unaware of the court date until it showed on my CR as a judgement. The address that is in the court documents I have not lived at since 2001. The wage garnishment information shows a Job that I never work...

    Robinson’s Answer

    If you were never served, check the records to see if they were there was "service by posting or publication". If not, check the court file for the affidavit of service.

    Use that false affidavit to vacate the judgment - sue the process server for damages.

    What was the date of medical treatment?

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  • Can you be sued twice for the same debt from the same debt collector?

    Just won my case against the debt collection company due to them not having enough information that they bought the account (i.e. billing of sale). So the ruling was for the defendant.

    Robinson’s Answer

    No. You get one "bite at the apple" so to speak. Great job !

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  • If a house has been sold with a lien on it, who should I go after?

    In 2003 my friend defrauded me for 20,000 dollars. I took her to court and the judge put a lien on her house. She died three years ago, I was not notified,. The house was given to her son and has been sold without my knowledge to someone else....

    Robinson’s Answer

    Judgment liens are only effective against real property in the county where judgment has been entered. The only way to place a lien on property out-of-county is to enroll it by filing it with that county court's clerk. The first issues is whether or not you have a valid lien on property.

    The second issue, would be that an administrator of the estate should have cleared all debts prior to distribution of assets... when a property is transferred, an abstract automatically runs a lien AND judgment search... so you need to investigate what went wrong in this process. You may have a claim against title insurance too, but consult with an attorney asap.

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  • Can my apartment refuse to pay a towing bill they verbally agreed to pay?

    When moving into our current residence the leasing agent instructed us that we may park in any space that was convenient even though the lease stated we had an assigned parking space. They then took down our make/model/license plate for identifica...

    Robinson’s Answer

    No, they cannot refuse to pay it. If you relied on their statements to your detriment, it is their responsibility. To take it a step further, you can even sue the complex itself for hiring workers who were negligent in their duty (the lease agent owes you a duty of care to either PROPERLY inform you of move-in information... or not offer it at all).

    In reality, this would all be overkill for a few hundred bucks - which may not be worth your time. But if you want to pursue this, this is the typical type of small claims matter that you would file in district court. It will cost you half a day in the end. Make sure you have witnesses as to the statements made by the lease reps, and subpoena all employees who gave you bad information.

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  • I need to stop a foreclosure sale for September 14, 2012. How can I stop this.

    I filed bankruptcy in 2010 (chapter 7) and the bank is stating i need to reaffirm the debt. the bank did not respond to the reaffirmation and now they are selling the house. could i file a chapter 13.

    Robinson’s Answer

    Yes. A chpt.13 would be a good idea. It will stop the foreclosure, give you some room to negotiate and explore other options, and possibly help you catch up on the arrearage.

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  • At what point can a landlord stop collecting the rent on a foreclosed property?

    Is it AFTER the sale and BEFORE the ratification? Or is it just AFTER the ratification? If it is after the sale, how do you find out who the new owner is? And since the lease is month-to-month, and being allowed to stay an additional 90 days, who ...

    Robinson’s Answer

    It is AFTER the ratification. The new purchaser after ratification is entitled to the rents proceeds.

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  • Can a deed be back dated to show when the home was actually sold at a foreclosure sale?

    My home was purchased back by the bank at a foreclosure sale in August 2010. I moved out but kept the yard maintenance up until the deed was out of my name. Trying to get a VA loan but told that I have to wait two years from the date of the deed t...

    Robinson’s Answer

    No. New deeds are not required at the point of foreclosure, which is why the Deed currently reflects your name.

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  • How can I protect my wages and home while paying off a judgment against me by my HOA?

    My HOA filed suit against me for unpaid fees and a judgment was entered. The lawyer also filed a notice of lien against me in my county Prince George's and also recorded the judgment in Baltimore County, where their office and the HOA is located....

    Robinson’s Answer

    Once you have proof of payoff, they must release the lien and judgment. That would be an immensely stupid move for any lawyer/law firm to refuse to acknowledge satisfaction of judgment - inviting lawsuit.

    Once you pay everything off, send a letter for a release and satisfaction - if they don't offer it to begin with.

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  • How I can save my MPDU house if my name is not in loan and I'm in separate my husband don't want help ?

    my husband name on loan and I'm just in deed he didn't pay morge from jan 2010 .we r in separated .he didn't share it with me .i got the protection order from court .hes not living in my house I want save my house but bank not gaving me ant inform...

    Robinson’s Answer

    If you are on the deed, is it safe to assume that you were part of the MPDU qualification process? Or did you add it on after you settled on the MPDU?

    If you were on from the beginning, you are a qualified party. Your attorney should manage the property through divorce, and you can continue making payments until you refinance the property.

    Are you able to afford the current mortgage on your own?

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