I have a mortgage on a house that was obtained through the USDA Rural Development?
and was unable to make my payments for 3 consecutive months thus far. I have received a notice of foreclosure from the USDA and I would like to know how this is going to affect me. I have had the house listed wtih a realtor for about a month now, without any offers. If foreclosure proceedings start, what do I tell my agent? What if the house sells for less than my current balance? I no longer live there (it has been empty for 6 months as I have had to move for a job); my initial plan was to finish rennovations to it and sell it for a good profit, but then I ran into pitfalls where I could not make the mortgage payment because I needed that check to pay for my rental. I would eventually like to buy another house again hopefully in the next 1-3 years and would not like to be penalized forever for this, as the case in the next 1-3 years will be that I WON’T have to be making a rental payment and a mortgage (estimating about $2000 in monthly housing payments)
It’s going to affect your Credit Score badly for sure BUT you still can stop the foreclosure depending on specific circumstances… Try this toll free number 877-925-6186 (Foreclosure Defense Cases) : they really help me through my foreclosure process (they stopped it and avoid damaging effects on my credit) and also my bankruptcy issues. Hope this will help and good luck.
According to this list I have OCD…?
I have all of these…
* Obsessive need for order or symmetry: An overwhelming need to align objects “just so.” Abnormal concerns about the neatness of one’s personal appearance or environment.
* Obsessions about hoarding or saving: Stashing away useless trash, such as old newspapers or items rescued from trash cans. The inability to discard anything because it “may be needed sometime.” A fear of losing something or discarding something by mistake.
* Nonsensical doubts: Unfounded fears that one has failed to do some routine task, such as paying the mortgage or signing a check.
* Compulsions about having things “just right.” The need for symmetry and total order in one’s environment. The need to keep doing things until things are “just right.”
* Checking compulsions: Repeatedly checking to see if a door is locked or an appliance is turned off. Checking and rechecking for mistakes, such as when balancing a checkbook. Checking associated with bodily obsessions, such as repeatedly checking oneself for signs of a catastrophic disease.
* Other compulsions: Blinking or staring rituals. Asking over and over for reassurance. A feeling of dread if some simple act is not performed. The need to touch, tap or rub certain objects repeatedly.
* Excessive list making.
Is this bad, I mean I feel happy in life and it doesn’t REALLY effect me…
If it doesn’t affect your don’t worry about it.
People are always trying to explain things and put themselves in little boxes. I notice you cut out a few things on that list. Just because you fit into a list doesn’t mean you have OCD.
It’s much more complex than that. OCD is an anxiety disorder and people feel terribly unwell if things are out of order. Their life is affected in a negative way.
I fit into quite a few things on that list too.
ex took money out of savings account she isnt signer on?
this was the question a few days ago – we have since filed a police report against her which would be a class a misdimeanor – but will the credit union give the money back with the police report?
ok so my boyfriend got a house out of a divorce with the said ex wife. he sent a check for 1,000 USD to the mortgage company. He found out a few weeks later the house was in foreclosure. He called the mortgage company and told them to send the check to the house address not the mailing address (was the ex wifes grandmothers house). he also went to the credit union where he is a member and stopped payment on the check. a few days ago he called the credit union to get the money out to make a payment on his new house. he found out that the ex wife had gotten the check (the mortgage company sent the check to the ex wife grandmas house) deposited the check back into his savings account and then had someone call to pretend to be him and make a check for the 1,000 USD made payable to her. the credit union did it (we have the paperwork from the credit union showing this). when he started getting upset about the missing money that he didnt authorize to be sent out they said they werent going to get involved because it had been past 90 days. how does he go about getting the money back? when he files charges against her it will only put her in jail. is the credit union responsible for the missing money? and if so how does he go about getting it back??
Thanks in advance.
4 days ago – 4 days left to answer.
the check wasnt cashed by mortgage company because the house was in foreclosure and they wanted to whole 5700 not just 1000. they sent the check back to the mailing address not his address. the credit union who issued the check got the check back from ex wife. she was the one who put it back after 60 days. the same dayshe put it back she called with someone pretending to be him. the credit union issued the check in her name. i have the paperwork on it to send to the police dept. the check was never cashed. the day after the cashiers check was issued it was cashed by her. not the credit union. there was a stop payment on the check. even if the mortgage company tried to cash it there was a note on it to not do so. he never made the payment.
4 days ago
he was in louisiana working and for the last 2 months has been listed as “pending” in the automated system. he figured it was because of the stop payment and they were still waiting for the check to come back or something. thats why he never seemed concerned.it was showing up in his automated bank teller and it never said the money was gone until a few days ago. when he called it would say account balance 5.00 with a pending balance 1,021.00. for more information press one. there was never anything saying that money was gone.
4 days ago
the credit union is not willing to give it back. they are stating that he had a 90 day window. he was basing everything off the automated teller. he gets his mail sent to his moms house and he hasnt been to his moms in about 6 months.
Most financial institutions allow 30 days from the date of the statement where the customer sees a discrepancy. They have all of the forms your boyfriend will need to file an unauthorized draft claim. Seeing as you already have a police report number, you should be good. If you can meet all of the credit union’s criteria and there is nothing you have left out of your scenario, you should not have a problem getting this money back.
Would this be considered theft?
I have (or had) an agreement with my soon to be ex wife. Instead of paying child support, I would cover the mortgage, which works out to $1800/ month. She would cover the bills and groceries for our 3 sons, although I’ve been buying about $300/ month in groceries for them.
We still have a joint bank account, so I would deposit the cheques from my separate account, with “mortgage/ child support” written in the memo space. I’ve been doing this for the past 7 months.
I checked the account balance the other day, and found out that she had withdrawn $500 cash, and used $1100 to pay the bills that were supposed to come out of her money.
When I asked her why she couldn’t cover the bills, she told me to mind my own business.
What I’m wondering is, would this be considered theft?
Its a joint bank account, so its not really theft.
Or should i say its hard to prove because it is a joint bank account.
Ultimately, if you are paying the mortgage, instead of child support, agreed upon by the ex wife.
Why are you not just paying the mortgage directly.
Instead your putting it in the joint bank account, making the money available to her to spend.
Furthermore, dont give her cash for groceries. She might spend the cash on something else.
Pay her in supermarket gift vouchers in equivalent. Then she has no choice but to buy food.
What is the best bank to use?
I need to open a joint checking account to carry an average balance of 2k and to receive monthly direct deposit from my tenant, while electronic bill pay to pay for mortgage and hoa. I do not want any fees and would prefer to get checks for free as well.
A local bank. Chose a bank that is conveniently located near you, where you can have a no-service-fee checking account, and go in frequently to get to know the bankers working there. Be sure they don’t charge you extra for using their lobby services or human tellers.
Developing a relationship with your bank is a wise thing to do, then when you need a loan product or special consideration (like that odd overdraft, etc.) they know who you are and that you are a reputable, established, reliable customer. This is especially important if you are a small business owner, and community involvement is important.
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