USVI-On-Line

This must be on your mind constantly. You just have to do it Pip, get them out of there (no kicking butts).

You need some peace in your home and it sounds like you're all walking on eggshells.

Believe me, your not the only family member or friend that they have. They'll find a way.

i second what jim said (change the locks) and also waht Wugie said (first round on me--for you and your wife)
It sucks that all this is happening--particularly when your work is so stressful. Maybe tonight will afford you an opportunity to ask them about their plans and tell them what your expectations are.
best of luck.

Pip-
You were right on- last night was not the right night. You were too wired and things would've turned out bad.
Hope all works out in the end.
In the meantime, if the dogs pee/poop in the house, hand them a bottle of cleaner and s roll of paper towels. If their laundry piles up, point them toward the washer/dryer.

DCphoto wrote:Jorge,
Not to be a downer, but you really need to protect your privacy online, do not give personal information like your phone number, maybe a private message. Ask anthony to remove it for you. I hate for you to get wierd phone calls in the middle of the night, or maybe your into that kind of thing

Not to worry there. It's probably the telephone number of his Thai Massage Therapist.

That is funny, the reason I said something, I just had a conversation with my 21 year old step daughter about myspace and facebook. Not putting anything there that potential employers might see. It's amazing what people can find out these days! scary. Sorry if I stepped over the line.

No ass kicking required. Just sending some more support for what will be a hard conversation. Good luck!

California Girl wrote:My question here is, if they cannot pay their mortgage or afford an apartment, etc., how can they afford a lawyer???

I was kinda thinking the same thing?

As a lawyer, I was definitely wondering the same thing. In GA, real estate lawyers aren't really taking clients unless they've got a retainer. Is the attorney an acquaintance? The other possibility is that this attorney really thinks these people got screwed and have a good case (?) and is trying to get attorney's fees from the lender.

Who knows. I still think they ought to get their stuff. Pip, I hope you grab that cookware.

I was wondering how they even qualified to buy a house in the first place. I know that PPCE (pre pre-crap economy) lenders were a little bit looser, but credit history, job history, down payment etc.....?

I agree, last night was not the right night for YOU to have the conversation. But trust me (from experience) these people know how they make you feel, and they know how to avoid the boot! Hiding in their room, maybe doing one good deed around the house every now and then, shedding a tear now and then. Don't forget...they are at the least, novice con-artists! BE STRONG!!!!

Cass, some lenders were so "loose" it wasn't funny. There are many sub-prime lenders who never did employment or salary verification as part of the approval process. Isn't greed beautiful?

Lawyer: as far as I understand, it's on contingency. contingency of what? Beats me.

Mortgage: They gave anyone a mortgage in 2007. They applied and keyed M's SSN incorrectly. When they fixed it, they saw that his credit number is a negative number. They told her that they could take him off the application and find her a mortgage. Anyone wanna know why your 401k sucks so bad?

They're still hoping to get the whole thing somehow reversed? How does one un-sell a house?

That's what I want to know.

In any event, M needs to hang for 2 more days. We need to build up some cabinet support for the kitchen.

pipanale wrote:Lawyer: as far as I understand, it's on contingency.

Hmmm? Sounds fishy, but I will defer to the real estate lawyers.

Perhaps, since the house has been resold, the objective is to get some cash out of the lender as a settlement. That is where the lawyer will get his/hers.

JIM

Yeah, Jim's right. The lawyer may believe that the notice and right to cure provisions or certain other requirements under the default section of the mortgage were not strictly complied with. He's probably trying to get damages out of the lender and will take a portion of that... but still, reversing the foreclosure? With what money? What would it buy these folks - another 90 days and then they'd been delinquent again?