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riley1p
183 Posts |
 Posted - 08/07/2008 : 08:55:02 AM
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| I am renting a home and the landlord is a nightmare. I am breaking my lease with 7 months left on it. I came eto find out that he bought this home as his primary, never moved in and put it on the market for sale after the closing. I came in and rented it, now I want out. He just bought this 7 months ago and his note says he must live in it for at least 1 year. I also found another note that he bought another property as a primary 4 months ago too... Do I have any rights here? He is trying to sue me for the remainder of the lease. Can I report him to anyone? |
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hoangad
2839 Posts |
Posted - 08/07/2008 : 08:59:08 AM
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why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud. |
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riley1p
183 Posts |
Posted - 08/07/2008 : 09:01:16 AM
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Well, lets see..Where do I start. No wall in the back like I was told, exposed plumbing pipes, blowing insulation, he stated he is in forclosure....What elsequote:
Originally posted by hoangad
why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud.
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hoangad
2839 Posts |
Posted - 08/07/2008 : 09:03:36 AM
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that still has nothing to do with him supposedly comitting fraud.
if the things you mentioned violated the contract, then you have a good case. |
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stewpot
126 Posts |
Posted - 08/07/2008 : 09:05:45 AM
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| What he said... |
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toddblue
1918 Posts |
Posted - 08/07/2008 : 09:05:56 AM
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How did you come to find out this info? I'm guessing you saw the note if you know it's terms.
Unfortunately, what occurred with the lender and your lease have nothing to do with each other. As far as using the info you have as leverage to break your lease, that is awfully close to extortion.
If the landlord is truly a nightmare, you can probably find a legitimate legal way of breaking your lease. You are critical of his wrongdoing of not living up to his contract with the lender. Don't travel down the same path and not live up to your word.
If you are inclined to turn your landlord in for mortgage fraud, start with the lender. But do this on it's own merits, not just because you're trying to break your lease. |
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darkstar
16000 Posts |
Posted - 08/07/2008 : 09:09:12 AM
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quote:
Originally posted by riley1p
I am renting a home and the landlord is a nightmare. I am breaking my lease with 7 months left on it. I came eto find out that he bought this home as his primary, never moved in and put it on the market for sale after the closing. I came in and rented it, now I want out. He just bought this 7 months ago and his note says he must live in it for at least 1 year. I also found another note that he bought another property as a primary 4 months ago too... Do I have any rights here? He is trying to sue me for the remainder of the lease. Can I report him to anyone?
I don't understand this thinking, seems totally slimy...You broke a lease and you're asking us how to get him?...You moved in with the conditions as they were, if you have it in writing that they should have been otherwise and can prove breach, than no need to worry about hurting him...Sounds like you're trying to punish him for YOUR bad decision, I would consider a person doing that very lame... |
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808
1965 Posts |
Posted - 08/07/2008 : 09:14:28 AM
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tell him that your aware of him getting his mortgage on the n/o/o property as a PR and if he pursues legal action on you w regards to the lease you'll have no choice but to drag him thru the mud on the occupancy fraud. The key is dont be a cocky, arrogant pr1ck when your talking to him. That'll make it personal then all bets are off concerning logical solutions. Just make it sound like 'it's time for both of us to move on, nothing personal' There should be no reason to have to narc him out about the occupancy fraud if the guy has half a brain.
I take it that your sole motive is to get out of the lease without being on the hook for the remaining 5mos.
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bramous
873 Posts |
Posted - 08/07/2008 : 09:19:58 AM
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quote:
Originally posted by riley1p
Well, lets see..Where do I start. No wall in the back like I was told, exposed plumbing pipes, blowing insulation, he stated he is in forclosure....What elsequote:
Originally posted by hoangad
why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud.
Send the landlord a certified letter citing the problems that make the home un-inhabitable. Reagrdless of the lease, the landlord is responsible to maintain a safe and sanitary environment for you to live in. Look up the statutes in your state, and follow them(ie-time to respond/remedy, your responsibilities, etc). You cannot simply break your lease and cite issues after the fact, you will be held liable if he takes you to court. As far as fraud, it won't matter in the case of your lease. Even if the owner is foreclosed on, you still owe him rent until the day the bank forces you to vacate. You will probably want to consult an attorney.
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prof9000
104 Posts |
Posted - 08/07/2008 : 09:21:32 AM
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| If he's in forclosure I don't think your lease is going to be much of an issue. If the place I was renting was in forclosure I'd be looking for somewhere else to live before the bank turfed me out. |
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mortgagemessiah
7907 Posts |
Posted - 08/07/2008 : 09:23:58 AM
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Unless, he lied to you about something on the lease, there is nothing you can do to get out of it. If he did lie to the lender thats between him and the lender.
Steve Dibert
MFI-Miami, LLC
www.mfi-miami.com
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WorldWideWayne
1976 Posts |
Posted - 08/07/2008 : 09:30:55 AM
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If he is in foreclosure, the mortgage may have language in it that any rents on the property are due to the bank. Read the mortgage. That should turn his crank.
While I don't advocate breaking your lease, if he is in foreclosure I would find a new home. His instability is now effecting you and yours.
Honestly, at this point in our country's history, I think every renter should add to their lease that if the land lord goes through foreclosure the lease between the two parties can be terminated by the renter. There are too many NOO's that are going back to the bank right now. |
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808
1965 Posts |
Posted - 08/07/2008 : 09:44:22 AM
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I didn't see anything in the original post stating the landlord is in foreclosure.
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WorldWideWayne
1976 Posts |
Posted - 08/07/2008 : 09:47:58 AM
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quote:
Originally posted by 808
I didn't see anything in the original post stating the landlord is in foreclosure.
It's in his 2nd post. |
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808
1965 Posts |
Posted - 08/07/2008 : 10:05:22 AM
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quote:
Originally posted by WorldWideWayne
quote:
Originally posted by 808
I didn't see anything in the original post stating the landlord is in foreclosure.
It's in his 2nd post.
thanks, I only read the 1st post. If that's the case the landlord is gonna be looking at some prison time. No wonder he wants the money, he needs to get a good lawyer. |
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ritabradley01
2316 Posts |
Posted - 08/07/2008 : 10:13:10 AM
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yeah better get the hell out of their before you're thrown out.
This happened to a friend of mine. They were renting a gorgeous home out here but one day my friend saw someone taking a picture of her house. Turned out it was a realtor because the home was being foreclosed! If they had stayed they would have lost their 3k deposit and had maybe just a few days to move. Better just get out of there. Renters seem to have very few rights under circumstances like this.
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FraudFighter
456 Posts |
Posted - 08/07/2008 : 10:20:16 AM
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quote:
Originally posted by riley1p
I am renting a home and the landlord is a nightmare. I am breaking my lease with 7 months left on it. I came eto find out that he bought this home as his primary, never moved in and put it on the market for sale after the closing. I came in and rented it, now I want out. He just bought this 7 months ago and his note says he must live in it for at least 1 year. I also found another note that he bought another property as a primary 4 months ago too... Do I have any rights here? He is trying to sue me for the remainder of the lease. Can I report him to anyone?
www.MortgageFraudWatchList.org
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1003s.com
3041 Posts |
Posted - 08/07/2008 : 10:42:36 AM
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It would be best to talk with a lawyer. A renters rights,
vary from state to state.
Without any of us knowing, what the landlord promised
in terms of future repairs, its hard to know how
reasonable bailing out on the lease is due to repair
issues.
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frank drigotas j
762 Posts |
Posted - 08/07/2008 : 10:45:36 AM
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riley1p,
It is not clear to me how you found the borrower/lender documents to review and draw your conclusions.
I hope you are not a LO or broker who arranged the loan, or obtained that confidential consumer info from another broker.
dollar |
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CreditRepGal
591 Posts |
Posted - 08/07/2008 : 10:57:39 AM
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He is required by law to make sure the property is livable..... and as a landlord he is required to address these issues in a timely manner, however trying to weasel out of your lease due to some clause in his private business is not up to you. He hasn’t defaulted on his mortgage although when he can't pay for it because you default on your lease due to issues that were most likely pre-existing prior to you moving in, I won’t blame him. Sounds like he has more grounds here than you do.
quote:
Originally posted by riley1p
Well, lets see..Where do I start. No wall in the back like I was told, exposed plumbing pipes, blowing insulation, he stated he is in forclosure....What elsequote:
Originally posted by hoangad
why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud.
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frank drigotas j
762 Posts |
Posted - 08/07/2008 : 11:13:11 AM
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Let me put it another way.
If the landlord finds out that riley1p is posting the terms of his consumer mortgage on an internet forum, however that info was obtained, the poster (Tim Ary) is in for a humungous amount of trouble.
It was a stupid thing to do, and the consequences could be severe.
dollar |
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DANIELGK
92 Posts |
Posted - 08/07/2008 : 11:18:57 AM
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is not that information public records?
just asking.
quote:
Originally posted by frank drigotas jr
Let me put it another way.
If the landlord finds out that riley1p is posting the terms of his consumer mortgage on an internet forum, however that info was obtained, the poster (Tim Ary) is in for a humungous amount of trouble.
It was a stupid thing to do, and the consequences could be severe.
dollar
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808
1965 Posts |
Posted - 08/07/2008 : 11:23:53 AM
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quote:
Originally posted by frank drigotas jr
Let me put it another way.
If the landlord finds out that riley1p is posting the terms of his consumer mortgage on an internet forum, however that info was obtained, the poster (Tim Ary) is in for a humungous amount of trouble.
It was a stupid thing to do, and the consequences could be severe.
dollar
the landlord is not named, nor the property address, nor does Orlando, DL exist as far as I know. And who's to say that copies of the notes weren't in plain sight for Riley1p to view. I think a 1st yr law student in the bottom 10% of his class could handle this aspect of any future litigation.
All of which has nothing to do w the landlords much bigger problem of multiple occupancy fraud which will come to light in the courts during discovery. With all that out there I'd rather be Riley1p than the landlord in this scenario, lease or not. |
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frank drigotas j
762 Posts |
Posted - 08/07/2008 : 11:26:05 AM
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Certainly the application (1003) for a OO mortgage is not public info.
If the county in question works like most in the country, the deed might not have been recorded yet. I don't know about notes in FL being public info.
Maybe someone in FL can help us out here.
Bottom line: it sounds to me that 1) Tim gained access to the info the wrong way 2) the issue of the lease and his landlord's situation are separate matters, and 3) publishing the situation/info on the internet may be a violation of privacy, maybe a crime in FL (I don't really know).
I beg to differ with 808. It is Tim who is in big trouble, plus, it looks like he has got to find a new place regardless. That is never fun.
I also think that Tim has shaded the facts. I'd love to hear the landlord's side of the story.
dollar |
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DANIELGK
92 Posts |
Posted - 08/07/2008 : 11:31:50 AM
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In FL the note is public records.
Danielgk
quote:
Originally posted by frank drigotas jr
Certainly the application (1003) for a OO mortgage is not public info.
If the county in question works like most in the country, the deed might not have been recorded yet. I don't know about notes in FL being public info.
Maybe someone in FL can help us out here.
Bottom line: it sounds to me that 1) Tim gained access to the info the wrong way 2) the issue of the lease and his landlord's situation are separate matters, and 3) publishing the situation/info on the internet may be a violation of privacy, maybe a crime in FL (I don't really know).
I beg to differ with 808. It is Tim who is in big trouble, plus, it looks like he has got to find a new place regardless. That is never fun.
I also think that Tim has shaded the facts. I'd love to hear the landlord's side of the story.
dollar
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bramous
873 Posts |
Posted - 08/07/2008 : 11:33:26 AM
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quote:
Originally posted by frank drigotas jr
Certainly the application (1003) for a OO mortgage is not public info.
If the county in question works like most in the country, the deed might not have been recorded yet. I don't know about notes in FL being public info.
Maybe someone in FL can help us out here.
Bottom line: it sounds to me that 1) Tim gained access to the info the wrong way 2) the issue of the lease and his landlord's situation are separate matters, and 3) publishing the situation/info on the internet may be a violation of privacy, maybe a crime in FL (I don't really know).
I beg to differ with 808. It is Tim who is in big trouble, plus, it looks like he has got to find a new place regardless. That is never fun.
I also think that Tim has shaded the facts. I'd love to hear the landlord's side of the story.
dollar
Florida doesn't record the note usually only the mortgage, but many times the lender will record the affidavit of occupancy(possibly to prevent fraud issues), or include the occupancy provision as part of the recorded mortgage.
Both of these counties cover parts of Orlando:
Orange County Public Records- http://www.occompt.com/disclaimer.html
Osceola County Public Records - http://198.140.240.30/or_web1/disclaim.asp
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hoangad
2839 Posts |
Posted - 08/07/2008 : 12:40:56 PM
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quote:
Originally posted by frank drigotas jr
riley1p,
It is not clear to me how you found the borrower/lender documents to review and draw your conclusions.
I hope you are not a LO or broker who arranged the loan, or obtained that confidential consumer info from another broker.
dollar
the documents are public records.
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oldmlb
127 Posts |
Posted - 08/07/2008 : 1:05:12 PM
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The portion of the clause in a standard DOT/Mortgage is called "Assignment of Rents" but my surmise is the bank will never get close to getting any of the rent.
If this guy has multiple properties it/he may be part of an Equity Skimming scheme that is really not new. These happen when bubbles are happening and homeowners are in trouble (CA/FL/NV/AZ are ripe for this). Multiple properties, inflated appraisals, cash back purchases, never make a payment, collect the deposits and rents until the bank forecloses, then zamoose outta town. Let's see, 20 properties @ $2500/mo = $50K/mo x 6mos = $330K + 20 x $5000 (first & last) = $100K = $430K plus any cash from the cash back purchases. Not a bad 6 months' work. |
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Agent_Mike
291 Posts |
Posted - 08/07/2008 : 1:07:22 PM
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Both loan fraud and breach of contract are serious no-no's. But in the order of prosecution, breach of contract would get first dibs.
From the sound of it, you'd be breaching your contract if all the items you outlined were in fact conditioned in the original lease and you're trying to black-mail the guy to get out of it.
You reporting him for loan fraud will come secondary to him suing you for damages from the breach. It's a cause and effect, you see. You reporting him will cause him to come at you harder for the breach of contract and will have the effect of a huge pain in your ass. |
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oldmlb
127 Posts |
Posted - 08/07/2008 : 1:17:22 PM
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P.S.
Live there until you find another place and then move. He's obviously not using your rent to make the payments. Tell me if I'm wrong, you've never seen this guy, right? Just an "Agent" who showed you the house and collected your deposit and 1st month's rent. Then everything is by phone and mail, right? Rent checks are probably hammered at your bank? I'd take my chances on being sued. Ef him. |
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Pat
577 Posts |
Posted - 08/07/2008 : 4:14:49 PM
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| Call the local building inspector. Tell them you're renting there and you have some concerns about the condition of the property (including it not being dry-walled). That'll give you some ammo if he finds it deficient. |
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kellamtom
610 Posts |
Posted - 08/07/2008 : 4:34:31 PM
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quote:
Originally posted by Agent_Mike
Both loan fraud and breach of contract are serious no-no's. But in the order of prosecution, breach of contract would get first dibs.
From the sound of it, you'd be breaching your contract if all the items you outlined were in fact conditioned in the original lease and you're trying to black-mail the guy to get out of it.
You reporting him for loan fraud will come secondary to him suing you for damages from the breach. It's a cause and effect, you see. You reporting him will cause him to come at you harder for the breach of contract and will have the effect of a huge pain in your ass.
prosecute who? you can't be incriminated for breach of contract
let me guess you've already told him that your moving if he won't make the repairs. If the property is in foreclosure he doesn't care if you pay him or not at this point, he knows his days are numbered and the property will belong to the bank. live there until you find another place. heck take a couple of months and force the bank to pay your deposit and 1st months rent on your new place |
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808
1965 Posts |
Posted - 08/07/2008 : 4:42:02 PM
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quote:
Originally posted by Agent_Mike
Both loan fraud and breach of contract are serious no-no's. But in the order of prosecution, breach of contract would get first dibs.
From the sound of it, you'd be breaching your contract if all the items you outlined were in fact conditioned in the original lease and you're trying to black-mail the guy to get out of it.
You reporting him for loan fraud will come secondary to him suing you for damages from the breach. It's a cause and effect, you see. You reporting him will cause him to come at you harder for the breach of contract and will have the effect of a huge pain in your ass.
yeah but bailing on your lease wont get you prison time, multiple counts of occupancy fraud will espc w a foreclosure involved. In this pointing the finger, play the blame game enviroment we have going on you can be sure that the landord will be doing 18-36mos at a minimum and if he embellished other parts of his 1003 you can 2x-3x those months.
And I don't know how they do things in Freemont but in FL the occupancy fraud perpetuated by the landlord will get the DA's attention 1st not somebody skipping out on a lease from a soon to be inmate at FDC. |
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mykal5
1082 Posts |
Posted - 08/07/2008 : 5:26:55 PM
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quote:
Originally posted by riley1p
Well, lets see..Where do I start. No wall in the back like I was told, exposed plumbing pipes, blowing insulation, he stated he is in forclosure....What elsequote:
Originally posted by hoangad
why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud.
At the risk of sounding like a jerk, you have to have the worst foresight I have seen in a long while. You moved into a place with a missing wall, exposed plumbing and blowing insulation and somehow expected this to be a good experience?
Call the owner and negotiate a settlement. |
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Mandyvilla
2755 Posts |
Posted - 08/07/2008 : 5:57:44 PM
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| Please tell us you did not originate any of these loans or have any knowledge of the loans when they closed. |
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frank drigotas j
762 Posts |
Posted - 08/07/2008 : 6:07:16 PM
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I basically asked the same thing, Mandy. No rersponse from him.
I also asked how he came across the 1003 and other docs indicating it was to be OO.
My insinuation was that he got the info by violating privacy LAWS, among other things.
No answer or explanation from him.
Others here are defending him like brotherhood. Let me tell y'all something, there is no bro' hood if you defend a lawbreaker.
dollar
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Jkatz
248 Posts |
Posted - 08/07/2008 : 6:20:15 PM
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he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months |
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CreditRepGal
591 Posts |
Posted - 08/07/2008 : 6:32:19 PM
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Where in this post did it say the landlord was for sure in forclosure? A sherriff would not come by the house and tell you the house is in forclosre. The owner would be notified by the bank and when the forclosure was finalized they would move to evict...
Lie in court? What kind of advice is that? Truthfully the entire broker outpost knows (if they have half a brain) that most forclosures are taking months and in some cases years. FACT a home owned by a co-worker has had no payments made in nearly 9 months on it and forclosure proceedings have not even started! The bank is not going to waste time going after a guy for an occupancy issue unless he defaults on his mortgage in which case they will audit the file and find this out themselves rather than waste their time on some whinning tennant who runs to tattle just so he can get out of his lease. I doubt this guy is in forclosure and it's just an excuse for this guy to justify getting out of his obligations... wow if ever there were a pot calling the kettle black... this guy wont own up to his obligations and wants to go tattle on the guy for not owning up to his obligations because he thinks that will help him get out of his.... I hope this guy doesnt do loans..... geeez!
quote:
Originally posted by Jkatz
he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months
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Mandyvilla
2755 Posts |
Posted - 08/07/2008 : 7:26:58 PM
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Frank - I see now, it really makes sense. See in Virginia, all the instuments are public record, but guess what? It's a REAL search to find the actual document in courthouse records.
Looks like you were getting the same smell....just a different way of discribing it.
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Tsnyder
7921 Posts |
Posted - 08/08/2008 : 09:56:41 AM
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riley1p...
After all that's been written in this thread... including
a whole lot of monumentally bad advice that you should completely
disregard... I have only one question for you...
Why the h.ell are you looking for legal advice on a mortgage forum?
I assume (always dangerous) that you're in the mortgage business.
You deal with complicated real estate issues and their attendant
agreements on a regular basis. Do you not recognize the serious
nature of your problem?
Stop wasting time and call your lawyer.
And whatever you do... do NOT threaten to rat the guy out if
he doesn't let you off the hook... unless, of course, you'd
rather face the possibility of spending the next several years
in jail.
Tsnyder |
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CreditRepGal
591 Posts |
Posted - 08/08/2008 : 10:34:01 AM
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| I agree. I cant belive soeone advised him to lie in court?? |
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CoolMtgGuy
2023 Posts |
Posted - 08/08/2008 : 10:37:54 AM
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This is the best advice yet. Heed it and move on with your life.
quote:
Originally posted by Tsnyder
riley1p...
After all that's been written in this thread... including
a whole lot of monumentally bad advice that you should completely
disregard... I have only one question for you...
Why the h.ell are you looking for legal advice on a mortgage forum?
I assume (always dangerous) that you're in the mortgage business.
You deal with complicated real estate issues and their attendant
agreements on a regular basis. Do you not recognize the serious
nature of your problem?
Stop wasting time and call your lawyer.
And whatever you do... do NOT threaten to rat the guy out if
he doesn't let you off the hook... unless, of course, you'd
rather face the possibility of spending the next several years
in jail.
Tsnyder
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Jonas
287 Posts |
Posted - 08/08/2008 : 10:40:43 AM
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quote:
Originally posted by riley1p
Well, lets see..Where do I start. No wall in the back like I was told, exposed plumbing pipes, blowing insulation, he stated he is in forclosure....What elsequote:
Originally posted by hoangad
why dont you just man up to your lease?
you signing your lease has nothing to do with him supposedly comitting fraud.
How is this stuff a surprise to you. Did you even see the place before you signed the lease? |
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riley1p
183 Posts |
Posted - 08/08/2008 : 10:41:39 AM
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Dude...Do you know that mortgage notes are public information? Go to your assesors web site and look up you or your friends notes....IT'S PUBLICquote:
Originally posted by frank drigotas jr
Let me put it another way.
If the landlord finds out that riley1p is posting the terms of his consumer mortgage on an internet forum, however that info was obtained, the poster (Tim Ary) is in for a humungous amount of trouble.
It was a stupid thing to do, and the consequences could be severe.
dollar
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Jkatz
248 Posts |
Posted - 08/08/2008 : 10:48:04 AM
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for sure in foreclosure? Like for sure dude?
Read the OP's 2nd post as it states the owner is in foreclosure.
The foreclosure status is on PUBLIC RECORD, and the OP won't need to lie about it.
I have had 2 borrowers in FL where the sheriff was sent to the property to see who was currently living in it. Sheriff was sent from two different banks.
Go back to your day job before you start considering mortgage or foreclosure talks.
I'm speaking from EXPERIENCE. You're speaking from what you 'heard' just like credit repair. Most loan officers go to credit repair because they couldn't handle closing loans. Then they become the Mortgage AND a Credit repair expert. Good laugh
Another laugh is when you get this 'perfect attitude', and you're doing credit repair.
You know the items are legitimate, but yet you still dispute them to be removed.
The date or amounts maybe wrong, but you dispute them to be REMOVED WHEN THEY'RE LEGITIMATE. Why not just dispute to 'update' the items? Why dispute to 'validate' when you know they belong to the borrower? Follow your own advice hippo
quote:
Originally posted by CreditRepGal
Where in this post did it say the landlord was for sure in forclosure? A sherriff would not come by the house and tell you the house is in forclosre. The owner would be notified by the bank and when the forclosure was finalized they would move to evict...
Lie in court? What kind of advice is that? Truthfully the entire broker outpost knows (if they have half a brain) that most forclosures are taking months and in some cases years. FACT a home owned by a co-worker has had no payments made in nearly 9 months on it and forclosure proceedings have not even started! The bank is not going to waste time going after a guy for an occupancy issue unless he defaults on his mortgage in which case they will audit the file and find this out themselves rather than waste their time on some whinning tennant who runs to tattle just so he can get out of his lease. I doubt this guy is in forclosure and it's just an excuse for this guy to justify getting out of his obligations... wow if ever there were a pot calling the kettle black... this guy wont own up to his obligations and wants to go tattle on the guy for not owning up to his obligations because he thinks that will help him get out of his.... I hope this guy doesnt do loans..... geeez!
quote:
Originally posted by Jkatz
he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months
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hpmfinancial
1451 Posts |
Posted - 08/08/2008 : 11:07:32 AM
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quote:
Originally posted by Jkatz
he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months
Great Idea JKatz, go to court, and commit perjury. If you get cross-examined it is not like the judge could not confirm with the sheriff that he was there, I mean police don't make reports or anything
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Jkatz
248 Posts |
Posted - 08/08/2008 : 11:11:12 AM
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Hey Hayden aren't you the guy that said you would dispute legitimate items on a credit report so the person can get a mortgage?
Hmm isn't that a mortgage fraud aka felony?
BTW do you honestly think people get in trouble for perjury in SMALL CLAIMS COURT?
another good laugh
quote:
Originally posted by hpmfinancial
quote:
Originally posted by Jkatz
he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months
Great Idea JKatz, go to court, and commit perjury. If you get cross-examined it is not like the judge could not confirm with the sheriff that he was there, I mean police don't make reports or anything
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hpmfinancial
1451 Posts |
Posted - 08/08/2008 : 11:12:11 AM
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quote:
Originally posted by Jkatz
for sure in foreclosure? Like for sure dude?
Read the OP's 2nd post as it states the owner is in foreclosure.
The foreclosure status is on PUBLIC RECORD, and the OP won't need to lie about it.
I have had 2 borrowers in FL where the sheriff was sent to the property to see who was currently living in it. Sheriff was sent from two different banks.
Go back to your day job before you start considering mortgage or foreclosure talks.
I'm speaking from EXPERIENCE. You're speaking from what you 'heard' just like credit repair. Most loan officers go to credit repair because they couldn't handle closing loans. Then they become the Mortgage AND a Credit repair expert. Good laugh
Another laugh is when you get this 'perfect attitude', and you're doing credit repair.
You know the items are legitimate, but yet you still dispute them to be removed.
The date or amounts maybe wrong, but you dispute them to be REMOVED WHEN THEY'RE LEGITIMATE. Why not just dispute to 'update' the items? Why dispute to 'validate' when you know they belong to the borrower? Follow your own advice hippo
quote:
Originally posted by CreditRepGal
Where in this post did it say the landlord was for sure in forclosure? A sherriff would not come by the house and tell you the house is in forclosre. The owner would be notified by the bank and when the forclosure was finalized they would move to evict...
Lie in court? What kind of advice is that? Truthfully the entire broker outpost knows (if they have half a brain) that most forclosures are taking months and in some cases years. FACT a home owned by a co-worker has had no payments made in nearly 9 months on it and forclosure proceedings have not even started! The bank is not going to waste time going after a guy for an occupancy issue unless he defaults on his mortgage in which case they will audit the file and find this out themselves rather than waste their time on some whinning tennant who runs to tattle just so he can get out of his lease. I doubt this guy is in forclosure and it's just an excuse for this guy to justify getting out of his obligations... wow if ever there were a pot calling the kettle black... this guy wont own up to his obligations and wants to go tattle on the guy for not owning up to his obligations because he thinks that will help him get out of his.... I hope this guy doesnt do loans..... geeez!
quote:
Originally posted by Jkatz
he can't sue you and win
if he takes you to court you can tell them that a sheriff came by to notify the home was going to be in foreclosure.
how is the guy going to prove that's a lie?
also, the status of a home going into foreclosure is in the county records.
the guy is already breaching contract if he's not fulfilling his duty of making the home habitable. (I'm not speaking of the damages, but him not keeping current with his payments)
Technically, he would need to get the sheriff to get you out of the house.
Let's see him do that when the home is going into foreclosure.
A lot of ppl in FL are renting homes that are about to go in foreclosure.
Talk about rentfree home for 8-9months
Jkatz, after suggesting people commit a serious crime court, you are the last person to comment on anyone else's business ethics. Since you are just ignorant to how credit restoration works, it is worthless explaining it to you. I'll give you a hint. You keep saying "Legitimate" can you proof that anyone here disputed a "legitimate" item? After all there is the law called the FCRA and Americans have | |
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