If you are still incurring HOA fees and are worried that the lender still has not taken the property, ask your attorney about filing a "Motion to Compel Possession or Transfer of Title." The purpose of the motion is to get a court order forcing the lender to finish the foreclosure, take the house, and transfer the title on time.
This is not a well-established motion nor is it routine. A few judges might grant it. Here's why some homeowners may want to force the bank to take the hous:
I partly agree with Mr. Hankins. What if you incur new credit card debts while you're still unemployed? There's no telling how long you'll be unemployed, and at this time you might have to take whatever job you can get. You can only do one Chapter 7 bankruptcy in 8 years.
On the other hand, if no job prospects are out there and you need to start your own business... you have old debt over your head.
First figure out what will be your next step. New job? or start a business?
You usually have two options in a Chapter 7 Bankruptcy when it comes to your house - A) Surrender the house and get the mortgage discharged or B) Reaffirm the debt to keep the house.
In Chapter 7 bankruptcy, you do NOT get to discharge the mortgage AND keep the house. That's two bites to the apple. At best you get a delay in the foreclosure by several months so you can put your life back together and get a fresh start, and at the same time discharge your debts.
The purpose of a Chapter...
Not enough pertinent information. You did not state whether your house has homestead status. You did not state whether the judgments are related to your home as a mortgage, construction loan, home improvement loan, etc.
If your house is a homestead, and if your judgments are not related to the purchase of the house, improvement of the house or taxes owed on the house, then Citi cannot file a lien against your house... as long as it remains to be your homestead. The minute it loses...
There is not enough precise information. When was the Ch 7 filed and when was the discharge? Last week or a couple of years ago?
I am unclear as to whether your 1099's were issued for being paid as an independent contractor or as a pensioner, or whether your 1099's were issued for forgiveness of debt.
If for forgiveness of debt, was the debt forgiven before the bankruptcy petition? Or was it new debt after a bankruptcy discharge a few years ago, and you were forgiven of those post-...
In Florida the exemption limits for married joint-petitioners are $1,000 per car for two cars, or if you have only one car then $2,000 for the car.
If after calculating everything, there is no equity remaining, the trustee cannot touch your car. If there is some equity left, then the trustee may make you pay an amount to cover any equity not already accounted for under the note and the exemption to let you keep your car. If you cannot make that payment, then the trustee may seize and...
Yes you can but you will need your witnesses to come with you to the police station. Make sure that the witnesses were reliable. You'll have a stronger case if the threat of physical violence was a credible threat, but let the prosecutor make that determination.