by Nellie (RIP: Give to Life)
Member since:
November 25, 2008

Foreclosure on My Home

November 04, 2009 09:11 AM UTC
views: 0 | comments: 39

What a kick in the arse. I was going to pay rent last night when hubby came home with the newspaper and showed me something in the legals. Our landlords rentals are all going up for auction on Dec. 9, 2009: via foreclosure on all his property.

So I went and looked up court papers (easy to do and for free, just go to your states court site and you can do a search) and I found out that the paperwork had been filed in 2008, and just finally was finalized. He didn't even have the nerve to tell us, and this is one of my husband's oldest friends.

We are going to the bank involved with this later today. In all honestly, because we didn't receive any notice (which legally we were suppose to), we have a feeling he told them that we had moved out and he wasn't paying the bank money due, pocketing it instead.

Now, thank goodness for Obama's stimulas bill that went through in May 2009, that with foreclosure to rentals, the sheriff canNot show up the day after the auction and kick us out. They have to legally give us 60 days from the end of the month to find a new place. To read more of this new bill: http://tenantstogether.org/article.php?id=723 

 

Of course, we aren't waiting. We are going to start looking for places this upcoming week. There is quite a few places around here up for rent. I just don't feel like packing again. I finally had the last box unpacked last week from our big move...and now, got to start all over again.

Not a happy camper right now.

Comments: 39

Elizabeth O. Nov 4, 2009, 9:14am UTC
This is awful...what a jerk for not telling you. Stuff happens and too bad he's losing his property, but he had an obligation to tell you, especially being your husband's friend.
Nellie (RIP: Give to Life) Nov 4, 2009, 9:22am UTC
He is losing his own home, and two of his rentals. In ours there is three people who now have to find places to move in. We got a neighbor upstairs and one is a studio in front of us.
Jennifer W. Nov 4, 2009, 9:17am UTC
Wow, that is sad. I hope you find a new place soon.
Nellie (RIP: Give to Life) Nov 4, 2009, 9:25am UTC
I don't consider it sad, we were planning to move in the spring, this was just a temp. place because of us losing everything last year (thanks Bush)...and my hubby's friend opened up this place for us, no rent for first couple of months...but unknowing to us, this place was already filed for foreclosure, and he could have told us sooner when we could have moved in warmer weather. So not sad, pissed as hell.
Jennifer W. Nov 4, 2009, 9:46am UTC
I too would be pissed. It is just sad thta you have to pack everything up again and move. I know that is a pain in the behind to say the least. Good luck on everything though.
Rita B. Nov 4, 2009, 9:49am UTC
Sounds like he is losing as well. I think he meant well giving you a couple free months rent. Losing his own home, he is in the same spot as you.
Nellie (RIP: Give to Life) Nov 4, 2009, 11:27am UTC
Actually no he isn't. We and the other renters were paying our rent, he wasn't paying the morgages. Papers were filed in 2008, a year before we moved back here. He knew what was coming, and had made the decision not to pay property taxes or morgage payments. The house he is living in was originally one of the rentals, but when they foreclosed on his house out in the country in 2006, he kicked the people out living there and moved in. He knew what was coming and made his choice...so I don't feel for him. He has a great paying job...and decided to not pay bills.
Kimber L. Nov 4, 2009, 9:44am UTC
That sucks - any chance of you being able to take over payments directly on the place from the bank?
Nellie (RIP: Give to Life) Nov 4, 2009, 11:29am UTC
Not unless someone has four years of back taxes to pay for this dump, plus a year of non-paid morgage payments. The place is going up for auction in five weeks.
Kimber L. Nov 4, 2009, 11:58am UTC
Sorry to hear about that Nellie. Hope you find somewhere close and nice so that the moving isn't too big of a pain for you.
Katharyne T. Nov 4, 2009, 10:00am UTC
wow, what a real jerk, thank goodness your husband found it in the paper. Wish you all the luck finding a new place
Rae M. Nov 4, 2009, 10:08am UTC
That really is terrible. This is a great time to buy a house or a town house, maybe you should look in to buying instead of renting again.
Nellie (RIP: Give to Life) Nov 4, 2009, 11:33am UTC
No thanks. Don't have that kind of money...or credit. We lost everything up North and starting over (and I mean over) here in this town. Hubby still has no job. and besides there is No time, five weeks isn't long enough to find a home, come up with enough money for a downpayment (when hubby don't work and I am the only breadwinner in the house, no savings), do paperwork, ect.
Mooch -. Nov 4, 2009, 10:32am UTC
i'm sorry your scumlord did this to you, I am happy that you and your husband are rising above this.

if it were me?
I'd have a lot of 'choice' words for my landlord.

I would also check your laws, because some states have laws that you can't be evicted in the middle of the winter.

Mooch
Nellie (RIP: Give to Life) Nov 4, 2009, 11:33am UTC
but it is different via foreclosures....already spoke to lawyer.
Katie R. Nov 4, 2009, 10:35am UTC
Wow I can't believe he would do this to you, especially since he is a friend of your husband.
Chuck Larlham Nov 4, 2009, 10:41am UTC
Damn shame. You deserve better from friends.
Annmarie B. Nov 4, 2009, 11:30am UTC
Nellie, I am so sorry, I know things are tough right now but he could have let you know sooner. Better days are ahead. Hang in there!
Nellie (RIP: Give to Life) Nov 4, 2009, 11:34am UTC
That was my point also..if he could have told us when we first moved here...we moved over 700 miles on one week of unemployment...we could have found a place over the summer instead of a five week search.
Annmarie B. Nov 4, 2009, 4:55pm UTC
Sometimes friends screw you the worse. I will pray that good news comes your way. Don't pay the rent! I know how you feel. We hopefully will be moving again but I hate the packing.
Laura C. Nov 4, 2009, 12:06pm UTC
that really sucks! I can't believe a "friend" would do that! I hope you find something you like even better.....wish I could help
Nellie (RIP: Give to Life) Nov 4, 2009, 12:15pm UTC
Know any zombie landlords? At least they be too braindead to cause me problems..haha
Laura C. Nov 4, 2009, 11:05pm UTC
you'd only have to pay them in brains! just feed them people who bug ya LOL
Good luck.

You may be able to stay with no problems. Many years ago my landlord defaulted on her mortgage. The holder of the second mortgage got the property and turned out to be a very reasonable landlord. Your situation is more iffy than mine was because of the auction.

In CA it's been illegal to evict tenants in foreclosed buildings without cause for several years. Leases and rental agreements apply regardless. It's popped up in local news periodically since the housing market collapsed.
anne ( way 2 crazy of a life ) c. Nov 4, 2009, 1:36pm UTC
that is horrible, is there anything you can do legal wise since you have been paying your rent??
The Fine Art of C.C. Miranda Nov 4, 2009, 3:23pm UTC
if you have a lease, they can't evict or move you until the end of the terms of the lease. doesn't mean the new owner has to renew you or charge you the same amount once the lease is up, but they can't kick you out if you have that contract.
Linda T. Nov 4, 2009, 3:35pm UTC
I assume he did not inform you because he believed you would begin looking for a new place and he would end up losing out on the rental money. It was a very shallow thing to do. Good luck finding a new place. Maybe you will find one that is better than what you have now.
Cholette W. Nov 4, 2009, 5:08pm UTC
I hope you can find a nice place to move in to.
Renee K. Nov 4, 2009, 7:43pm UTC
Hi Nellie, wishing you the best and wondering if the three tenants might get together and buy their building at the sale?
Sounds like a great Slumlord, indeed.
Shirley ♡ ☮ M. Nov 6, 2009, 2:13am UTC
Good luck on a rental search.
Angel sent from God Secret Sisters Nov 9, 2009, 11:27pm UTC
Nellie
That is crappy !! He s no friend...
Well the house we are in , is up for sale because the landlord does not want to lose it to the bank , this way us and the other tenants will still have a place to stay.
But what happened to you is just plain crap!! Nellie why dont you come here and live... it will be crowded but at least it would be fun

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