Who ever said......

They transfered her to a rehab near home yesterday, so I will be there today to se her. She just wanted to come home but after a few words she went to the rehab, which she really needs!!
 
Jeez Joe, sorry to hear bad things keep on happening but it's got to look up at some point.

My wife had a heart valve replaced a couple years ago and hasn't been the same since and hasn't been able to go back to work and likely never will. We went thru some dire straights financially and at the time a call to my state rep and the state attorney general got me some breathing room and got the mortgage company to get off their butts and do something for me.

Call your state rep and ask their office to call and write the mortgage company. I bet they have a direct line to Joe for Oil too. I'd tell the AG you think you were a victim of predatory lending and you need some relief. I found these two offices did the most for me.

I hope things start to look up for you and Mrs. MJ.

All the best,

Steve
 
saw the wife today at the rehab, the nurse said she no get up or eat today, i said thats changing right now!! by the time i left she was up wrent to bathroom, eat a muffin drank coffee, let nurse change bandages, and tonight eat supper. i no screw around when i am there!!
 
macojoe said:
saw the wife today at the rehab, the nurse said she no get up or eat today, i said thats changing right now!! by the time i left she was up wrent to bathroom, eat a muffin drank coffee, let nurse change bandages, and tonight eat supper. i no screw around when i am there!!
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Yep. People are just like horses... let a sick horse lay around and they never get better. Same with people. You must get and keep her moving. It's the
same with machines... actually, it's universally the same with everything.

I know that it's not quite the same thing, but Newtons first law (the law of inertia) applies to all moving things... An item at rest tends to stay at rest. an item in motion tends to stay in motion unless acted upon by an outside force.

Keeping her moving and active actually is speeding up the healing process. Good work!!
 
Hey Joe, why don't you rent out your house.... Might as well draw from it as long as the bank doesn't take it... then if they finally foreclose, eviction is their problem
 
the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?
 
macojoe said:
the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?
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A friend of mine went through this on his house. He lost his job when the market fell out, and lost his place. The bank kicked him out, then let him move back in so the house didn't sit vacant. After teh house went to auction 3 times after he was kicked out again, the bank purposely messed up some of the foreclosure papers so the house didn't go to them legally. Then when the property taxes and cleanign fees piled up from the county and city, they turned around and said it wasn't theres but his, and they came after him for over $15K in fees on a house they had forclosed on 2 years before. It is all a game to them, and they are playing it hoping to worm out of liability and fines in case something happens to the house.
 
macojoe said:
the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?
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MJ - Why did you ask for a key? That just slowed down the process.
 
I'm not up to date on this stuff but have you heard of or looked into giving the bank a "deed in lieu of foreclosure" to get rid of the other house? You need to get competent advice on the subject - if there are any active Realtors on the site or if you know one, they might be familiar with the process. Where I am the local Realtor association has a lawyer who gives seminars on that kind of stuff - a Realtor might be able to tell you if it seems like a good idea and maybe get you a little free advice from their lawyer.

Another possible source of help is your federal senator or congressman. A friend of mine was getting jerked around badly by the bank, trying to get his loan modified and one of our senators was very helpful slapping the bank upside their head. If your old lender is dragging their feet, this might be a way to get them moving.

You and your wife are in my prayers and you know you have a bunch of guys here who are on your side and wishing the best for you and your family. I wish I had more concrete help to offer.
 
all you guys are great!! i wish oi had known this was going to happen, i would have stayec there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on
 
macojoe said:
all you guys are great!! i wish oi had known this was going to happen, i would have stayec there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on
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MJ - I stopped by your old place yesterday . . . . the old house/barn/yard is full of someones furniture . . . you could have a giant yard sale with all that stuff and make some money.
 
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smokeonthewater said:
By giving him a key haven't they given it back?.... seems he could now change the locks again.
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Yes, he could change the locks again, but it would be illegal. The difference being that if he were to change the locks, it would be without their permission to do so. When Joe gave them the keys, it was understood that he was giving them control of the property and the ability to legally change the locks. Whereas, by giving Joe the keys, they have implicitly given him permission to visit/enter the premises, but they have not given him control.
 
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macojoe said:
all you guys are great!! i wish i had known this was going to happen, i would have stayed there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on
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Joe, I own 3 houses. I live in one, and rent out the other two. All utilities in the 2 rentals are paid for by the renters. It's understood to be the norm, and is spelled out in the lease. My point being that lack of utilities should not prevent you from renting the house, if you can legally do so.

If the bank has foreclosed on the property, then they are the legal owners of the house, and the only ones that can legally rent it out. Just because a house is not occupied does not mean the bank doesn't want it. Understand, because of the present economic situation in this Country, a lot of banks are just sitting on houses they own right now and are not trying to rent or sell them. They are waiting on the economy to improve so they can get a better return on their investment.
 
Was there today, tim i don't know what you saw?? cause there is nothing there! meet with a realtor today and he said if i get the title 5 done and empty the barn of all the trash we can put on the market and pretty sure will not have to go short sale. says the new roof addition and barn and the lot size should sell it. thats the good news, bad is i have 0 cash to get the title 5 or a dumpster to clean the crap out.
 
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