Jamis678
Jun 24, 2013, 07:46 AM
Back in 2010 we had to stop paying the mortgage on my husband's house (I own a house we live in), the tenants had screwed us over and the neighborhood went to hell, we couldn't sell, it was a mess. My husband lost his job and we ended up filing bankruptcy in February 2011. Our bankruptcy discharged in June 2011.
In the mean time GMAC sold the mortgage to another bank, who then sold it to another bank, etc. I think it's been sold approximately six times at this point. We get a new letter every few months explaining who the new lender is. We call, explain the house was in the bankruptcy (Chapter 7) and discharged, they update their records and leave us alone.
The house is still in my husband's name. The bank won't foreclose on it. My brother-in-law was staying there for a few months while he waited for the house he bought to close (October 2012 to March 2013). He left a ton of trash at the property that we didn't know about, we just assumed he would clean up after himself. The city then sent a letter to that house (in my husband's name), which they said they only send those to the address on the tax bill, telling us we had 7 days to clean it up, even though no one was there to get the mail. They then went out, cleaned up the porch, trash in the yard and said the garage door was open, so they cleaned all the trash out of there. They then sent a bill to our house (funny they can only send notices to the abandoned house, but they can then send the bill to our home) for $336 and told us we have up to six months to make payments on this. Granted, I'll be making sure my brother-in-law actually pays that.
But the main thing I'm concerned with is, they city said that about 5 years ago the law changed and the homeowner is responsible for taxes (which all these mortgage companies keep paying) and upkeep until the bank does the foreclosure and files with the sheriff's department and this city in particular says that many banks are not taking the houses over because they don't want this responsibility. Even with including the home in the bankruptcy and it being discharged, they say we're still responsible.
I don't want to run into this mess again and want this house out of my husband's name, is there any way we can do this?
In the mean time GMAC sold the mortgage to another bank, who then sold it to another bank, etc. I think it's been sold approximately six times at this point. We get a new letter every few months explaining who the new lender is. We call, explain the house was in the bankruptcy (Chapter 7) and discharged, they update their records and leave us alone.
The house is still in my husband's name. The bank won't foreclose on it. My brother-in-law was staying there for a few months while he waited for the house he bought to close (October 2012 to March 2013). He left a ton of trash at the property that we didn't know about, we just assumed he would clean up after himself. The city then sent a letter to that house (in my husband's name), which they said they only send those to the address on the tax bill, telling us we had 7 days to clean it up, even though no one was there to get the mail. They then went out, cleaned up the porch, trash in the yard and said the garage door was open, so they cleaned all the trash out of there. They then sent a bill to our house (funny they can only send notices to the abandoned house, but they can then send the bill to our home) for $336 and told us we have up to six months to make payments on this. Granted, I'll be making sure my brother-in-law actually pays that.
But the main thing I'm concerned with is, they city said that about 5 years ago the law changed and the homeowner is responsible for taxes (which all these mortgage companies keep paying) and upkeep until the bank does the foreclosure and files with the sheriff's department and this city in particular says that many banks are not taking the houses over because they don't want this responsibility. Even with including the home in the bankruptcy and it being discharged, they say we're still responsible.
I don't want to run into this mess again and want this house out of my husband's name, is there any way we can do this?