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bachar
Gym climber
Mammoth Lakes, CA
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Topic Author's Original Post - Dec 24, 2008 - 02:38pm PT
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Dear Beloved Mortgage Provider Person,
I hate to inform you I will be leaving my home soon due to foreclosure. I know you can't help me. I've tried hard to work with you and I can appreciate your uncompromising position. I also know this is tough for you so I am informing you that I will be doing some extensive remodeling in order to make it easier for you to sell this puppy.
I've got some great final touches in mind that I'm sure new home buyers will love.
If you have any new ideas about helping me with my mortgage and preventing foreclosure, give me a call !
Sincerely,
Your beloved mortgage customer.
P.S. My home insurance just ran out....
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klk
Trad climber
cali
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Dec 24, 2008 - 02:45pm PT
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Get a demolition permit, scrape up the loose change and rent a 'dozer for a three hours.
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cragnshag
Social climber
san joser
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Dec 24, 2008 - 02:50pm PT
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Don't forget to take the copper pipes, dishwasher and AC unit.
But leave at the house the following items: dirt, dander, pet hair, dooker in the toilet, personal responsibility, and pride.
I think the overall shabby condition of a forclosed property will make it even cheaper for the next family to buy the house.
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Jaybro
Social climber
wuz real!
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Dec 24, 2008 - 03:39pm PT
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I guess Bachar just looks better After that first cup of Coffee, especially with a chainsaw.
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bachar
Gym climber
Mammoth Lakes, CA
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Topic Author's Reply - Dec 24, 2008 - 04:09pm PT
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Rokjox,
"This technique was used in the rural South for quite a while with some success."
Really?
I was just kidding around but what the heck - if it could save the US housing market and the economy maybe we should implement it on a wide scale!
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bachar
Gym climber
Mammoth Lakes, CA
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Topic Author's Reply - Dec 24, 2008 - 04:22pm PT
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I think my house could use a little remodeling job now that I think about it. I'll start this week....
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T2
climber
Cardiff by the sea
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Dec 24, 2008 - 06:46pm PT
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It is funny that you bring this up John. I just saw a report this morning on how this is becomming quite an issue with foreclosers. People are "remodeling" their place so to say before they are evicted. They are taking all kitchen, bathroom, and electrical fixtures, some are even thrashing drywall and structural components. I can understand why people are doing this but the problem is that it creates issues for more than just the lenders. The "remodeling" brings down the value of the property which is good for future buyers (if they are handy at home remodeling) but for the guy that lives next door that is making good on his loan his property value is affected as well. The news report talked with a guy that had a few of these "remodel" foreclosers in his hood an now he is upside down on the value of his property because of it. What sad state of affairs our country is in.
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Roughster
Sport climber
Vacaville, CA
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Dec 24, 2008 - 07:16pm PT
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George Bush's message to U.S. Home Owners:
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rlf
Trad climber
Josh, CA
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Dec 24, 2008 - 08:52pm PT
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"if it could save the US housing market and the economy maybe we should implement it on a wide scale! "
Well, in some respects it has already started. Foreclosed home after foreclosed home have been left a total mess as a final f*#k you to the mortgage companies.
While I don't condone random vandalism, I absolutely understand why this is happening.
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noshoesnoshirt
climber
I don't even know anymore
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Dec 24, 2008 - 09:02pm PT
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What's random about it?
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rlf
Trad climber
Josh, CA
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Dec 24, 2008 - 09:27pm PT
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I was refering to random acts people commit because they think it's funny.
There's nothing funny about what is driving people to do this.
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Norton
Social climber
the Wastelands
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Dec 24, 2008 - 09:54pm PT
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Let's see, you want to buy a home so you ask for a loan and are given one, no one forces you to buy the home, it is all your decision. Then, things go wrong in your life, and for whatever reason you cannot keep up your end of the loan agreement.
So, you decide that since your credit will be ruined because of the foreclosure action, you are going to take out your anger on someone, anyone, so you trash your own home, just so the mortgage company has to pay some of their money to have it restored to sellable condition. Good thinking, like how a six year old acts out a tantrum? Is it the mortgage company's fault that you lost your job or beat your wife so she divorced you?
Why is it funny, or ok, to destroy property, any property?
What did the mortgage company do to you to "deserve" trashing?
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rlf
Trad climber
Josh, CA
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Dec 24, 2008 - 10:01pm PT
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I'm not losing anything since I don't own a house.
There's a hell of lot more to what's going on here than a few deadbeats losing their jobs and not being able to pay their bills.
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rlf
Trad climber
Josh, CA
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Dec 24, 2008 - 10:11pm PT
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That's great!
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bachar
Gym climber
Mammoth Lakes, CA
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Topic Author's Reply - Dec 25, 2008 - 08:10pm PT
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Is there any real help for people facing foreclosure?
I've been looking and can't seem to find jack.
Who is responsible for all this? ha ha ha....take a big fat guess.
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WBraun
climber
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Dec 25, 2008 - 08:14pm PT
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Jaybro --"I guess Bachar just looks better After that first cup of Coffee, especially with a chainsaw."
Hahahaha LOL
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bachar
Gym climber
Mammoth Lakes, CA
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Topic Author's Reply - Dec 25, 2008 - 08:23pm PT
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Werner,
Just wait until foreclosure to see what I look like!
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dogtown
climber
Cheyenne,Wyoming
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Dec 26, 2008 - 01:38am PT
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I Like how Greenspan turns the Hundred into a Zero!
F*#king Jackass.
Hang in there JB.
Bruce.
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couchmaster
climber
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Dec 26, 2008 - 01:47am PT
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If this is happening for real John, my advice is to:
A) Rent out your spare bedrooms for a short term sharing arrangement to increase your cash on hand.
B) Pocket that money, don't give a dime to the bank UNLESS you can get current and have an agreement that they will cease and desist on their efforts of foreclosure. Giving them half of it will get you nothing and you'll still be out. You'll have @ 9 months of non-payment before they can get you out if you have a mortgage, less if you bought on contract. Perhaps longer if the courts are backlogged. Use the time wisely in looking for new arrangements and building up a supply of spare cash, but don't leave until they've nailed it down legally.
Good luck!
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