I am behind on my property taxes I received a letter from the county treasurer saying it was going into foreclosure and I am unable to pay the higher amount they want for the payment plan
We routinely file Chapter 13 cases for property tax debt since you can spread the arrearage out for 60 months, rather than the customary 12 months that the taxing authorities require. Find a good Chapter 13 bankruptcy attorney in your area for a free consultation. Good luck!See question
helping family out back in a bad place once again
Here are the waiting period rules on filing a Chapter 13 after a prior bankruptcy:
1. If you received a discharge in a prior chapter 7 case, you can file under chapter 13 case at any time. However, if you file the 13 within 4 years of the date you filed the 7, you will not receive a discharge. (Some do this anyway to catch up on a mortgage arrearage.)
2. If you received a discharge in a prior Chapter 13 case, there is a 2-year waiting period — but since nearly every 13 takes longer than 2 years to complete, this rule rarely applies.
3. There is no waiting period if you did not receive a discharge in the prior case.See question
how can i remove my name from the house so i can get section 8 but my dad be still on it i have no other income just ssi what should i do i really need help
Sounds like your dad might be the only one who is collectible on the loan. You may wish to see a lawyer with your dad to get a better picture of what your options are and whether you need to do anything at all. Good luck!See question
I just received a collection letter from an attorney, saying that I owe past due real estate taxes on a property I have no mortgage on. It states that unless I dispute this with in 30 days the debt is valid. I don't dispute the I owe the past d...
If the house was sold in a tax foreclosure, the taxes would have been paid first before any private liens. So this notice would imply that the sale price of the home did not produce enough funds to pay the tax bill.
If the property has no mortgage and the value is minimal and no sale has taken place, you should see an attorney right away. The taxing authority (or more likely Woods Cove, if the tax certificate has been sold) may have decided the property is not in marketable condition and they have decided to pursue you personally for the debt. This brings up other issues of potential financial exposure, including responsibility for the cost of demolition if the property has been, or is likely to be, condemned. If this is the case, an attorney may decide the Cuyahoga County Land Bank, one of the best in the country, is the best source for assistance. The land bank may take the property and deal with the taxing authority itself: http://www.cuyahogalandbank.org/
Good luck!See question
Auction property and condo association is the plaintiff and the bank had initially made claims on it but later filed "Volunteer dismissal with Prejudice:..we have talked with the condo lawyer and he told that the mortgage company would not come af...
If the property is in Hamilton County, you can go to the recorder's website and see what documents have been filed: http://recordersoffice.hamilton-co.org/ However, I would not proceed without a competent attorney well versed in local foreclosures and, I suspect, sheriff sales. Purchasing at an auction can be a foray into a minefield. I had a client attempt one of these on his own and ended up losing $10K. By the time he came to me, there weren't many options left.See question
We are in end state foreclosure, been frauded out of $1750.00, and now find out that they can't even practice in Ohio, and therefore can't represent us. We thought our case was close to modification and now find out we are closer to sheriff sale. ...
At this point, your probably need an attorney familiar with mortgage loan modification regulations, CFPB regulations, foreclosure defense, Chapter 13 bankruptcy and legal malpractice. Do not delay in reaching out since you may have to do it all pretty quickly. If not, you may only be left with a legal malpractice claim. In our experience, those claims are pretty difficult in Canton courts.See question
Dealing with foreclosure, due to past due condo fees. Today, I had a random individual come to my residence to ask me if I was the owner of the condo. He informed me that ownership has changed hands. I have received no documentation indicating thi...
Sounds like you were leasing the condo and all notices from the court and the condo association were received by someone else. Whatever led up to this point, I agree with my colleagues that time is of the essence here and that you should either hire an attorney immediately and redeem the property or just accept the loss and let it go. Good luck!See question
I have a commercial property and I'm delinquent on my mortgage payments. Foreclosure proceedings began 20 days ago (8 more days until my response). I'm in contract to sell the property so I can pay off the loan. How can I delay the foreclosure for...
Merely retaining an attorney to file an answer in the case will give you ample time. Good luck!See question
We divorced I was awarded the house which has 2 mortgages & was given 5 yrs to be it out of his name. I was able to do a loan modification on 1st loan (his name is still on it)but 2nd mortgage (in his name)hasn't been paid in 5+ yrs w/variable in...
The cleanest way out is to file a Chapter 7 bankruptcy, assuming you qualify under that chapter. This will wipe out all obligation on the house and you would not get the potential major tax hit from 1099 forgiveness income in a short sale. Good luck!See question
2 years ago I had to file bankruptcy chapter 7 because of dire times. I knew I also had to walk away from my home, my bankruptcy Lawyer advised me to leave the foreclosure out of the bankruptcy case for reasons I do not recall at this time, howeve...
I'm not sure why you moved out of your house when you could have lived in the residence for free during the pendency of your bankruptcy and foreclosure. However, I agree with my colleague that there is no real benefit to entering into a deed in lieu of foreclosure unless you are looking to have them take the property ASAP and be rid of the obligation to keep the place up. If you do want to deed the property immediately, have a qualified attorney review the documents before signing to make certain there aren't any surprises in there. Good luck!See question