Bought house... get Notice of Auction

[RockinZ28]

wow, that pic is amazing.

Out of focus though, can't tell how pointy her elbows are.

 

[Iron Woode]

Before any title transfer can occur, a search is performed on the title to see if there is any lean or claims on it. All outstanding fines and stuff are supposed to be paid off before money is transferred from lawyer to seller.

your title insurance should take care of that. Though I question your county's competency when they don't even have current owner name.

They also do search on the buyer and seller. And if your name is deemed similar enough so some unsavoury character you have to sign afrodavit to say you are not that person.

[size=+2]afrodavit[/size]

is this some kind of subliminal racism?

 

[sdifox]

[size=+2]afrodavit[/size]

is this some kind of subliminal racism?

It's a typo you goof.
affidavit.

 

[lupi]

wow, that pic is amazing.

nah, she's way too out of focus.

 

[Iron Woode]

It's a typo you goof.
affidavit.

LOL

I was just messing with you.

 

[Eug]

 

[IEC]

lolno. What is racist/drumpfian in pointing out that populations from former/current communist nations have a much larger tendency towards small/large forms of corruption because that is simply how things operate in those systems?

This has nothing to do with race or xenophobia--it is an acknowledgement that acquired behaviors gained within corrupt systems, imported to more regulated, law-based systems, receive strongly negative reactions from the local community and legal system.

These type of imported social norms are more strongly seen where such communities congregate in stronger numbers, and therefore remain highly insular--there is a communal shared history of social norm that tends to survive well enough without a daily need to assimilate. Of course those kind of practices will conflict with the local customs and laws when the two interact.

Yeah, whatever, racist. Lumping all the Asians together like a typical Democrat.

 

[dr150]

I wonder if the attorney presiding over the auction is pissed because he's not going to get paid now?

What % did you put down as a down payment?...

 

[Dr. Zaus]

Yeah, whatever, racist. Lumping all the Asians together like a typical Democrat.

On all sorts of measures cultures lead to differences in means while having greater variance within them than between them: that's not racism it's sociology.

 

[zinfamous]

Yeah, whatever, racist. Lumping all the Asians together like a typical Democrat.

No I didn't. I daresay you barely read what I posted. The same perspective is generally perceived by all cultures when it comes to immigrating Russians, unfairly-so or otherwise--particularly those of older generations that exclusively grew up in rather lawless communist systems where corruption was simply the norm/expectation to survive. It would be the same of any human that grew up in that system.

I haven't said one thing about race, but about large communities that grew up in a specific, shared, socioeconomic sphere that engenders acquired habits that are essential to survive within those environments. When such communities grow in number and are able to live as expats without ever abandoning these habits, they simply become more insular and openly, blithely accepting that those old-world behaviors are perfectly acceptable in their current community. If you call this racism, then you are stupid.

 

[ElFenix]

Update 6-7:

just so long as your business lawyer feels he/she can do this in time, including being ready to go down to the courthouse to get injunctive relief a few days beforehand if this doesn't get resolved by july 1. you do not want that sale to happen.

*not your lawyer i do not practice in your jurisdiction this is neighborly advice*

 

[Carson Dyle]

*not your lawyer i do not practice in your jurisdiction this is neighborly advice*

LOL. Gotta love the disclaimer.

 

[edro]

LOL. Gotta love the disclaimer.

I think it's pretty safe to say ALL advice on ATOT should be taken with a grain of salt.

 

[poofyhairguy]

LOL. Gotta love the disclaimer.

Yup, honesty is a good policy.

 

[Eli]

Update 6/8:

Received call from Title Company saying they were sending documentation to the court and auction Attorney to dismiss the case. Forwarded documents to our attorney as well, just in case it doesn't exactly happen like that. Think they'll really just be like "Oh well..." and write off almost 300k?

Seems to be all under control and rather anti-climactic though, so far. In this case, I'll consider that a good thing.

 

[Eli]

Respond to the auction notice explaining you are a sovereign citizen and the laws of a country do not apply to the person whos name you have.

Funny. During my 3 years in New Mexico, I had the unfortunate experience of renting from someone who believed they were a sovereign citizen.

Needless to say, he was batshit crazy insane. Turns out, he hadn't been paying his mortgage for quite a long time(because, you know, as a sovereign citizen, you don't have to...). So I started getting foreclosure notices and stuff in the mail. When judgement was about to come down and I tried to move, he came into the house unannounced while I was at work and stole all of my stuff that was left - was about a day from being done.

Good times...

 

[Ns1]

thanks for keeping it updated; don't goose us bro.

 

[Carson Dyle]

Funny. During my 3 years in New Mexico, I had the unfortunate experience of renting from someone who believed they were a sovereign citizen.

Needless to say, he was batshit crazy insane. Turns out, he hadn't been paying his mortgage for quite a long time(because, you know, as a sovereign citizen, you don't have to...). So I started getting foreclosure notices and stuff in the mail. When judgement was about to come down and I tried to move, he came into the house unannounced while I was at work and stole all of my stuff that was left - was about a day from being done.

Good times...

Good story. What happened?

 

[Humpy]

Funny. During my 3 years in New Mexico, I had the unfortunate experience of renting from someone who believed they were a sovereign citizen.

Needless to say, he was batshit crazy insane. Turns out, he hadn't been paying his mortgage for quite a long time(because, you know, as a sovereign citizen, you don't have to...). So I started getting foreclosure notices and stuff in the mail. When judgement was about to come down and I tried to move, he came into the house unannounced while I was at work and stole all of my stuff that was left - was about a day from being done.

Good times...

Good or bad, NM is essentially the Mos Eisley of the U.S.

Not far from Albuquerque you can find one of the several land-grant communities where people will take shots at you if you take the wrong path.

 

[Darwin333]

Update 6-7:

Went to the Sheriff's Office. The Writ of Execution was dated January 5th 2016, so there is really no reason this shouldn't have been caught by the time we were going through the process in March. Total Judgement: $292,370.29.

Wow, you paid 300ishK for the house and there is a foreclosure on it for $292K?

And someone who knows more than me chime in here please but if the writ of execution was dated on Jan 5th of this year how old can the debt possibly be? Isn't there a statute of limitations or something?

Definitely a crazy situation, hope everything works out well for you and the lawyer fees don't get to high.

 

[Darwin333]

Insurance pays off county.

Really? How does that work since its an auction? What if there is a buyer willing to pay more than what is owed? I guess I always thought the insurance company would pay the homeowner and the bank for whatever they lost and they would be stuck looking for another place to live. However, I am completely ignorant of how any of this works.

 

[Darwin333]

I think it's pretty safe to say ALL advice on ATOT should be taken with a grain of salt.

No it isn't safe, at least not on his part, sadly disclaimers like that are necessary in this day in age.

 

[TheGardener]

Really? How does that work since its an auction? What if there is a buyer willing to pay more than what is owed? I guess I always thought the insurance company would pay the homeowner and the bank for whatever they lost and they would be stuck looking for another place to live. However, I am completely ignorant of how any of this works.

He's from Canada. Probably applying his local law to this situation.

 

[sdifox]

Really? How does that work since its an auction? What if there is a buyer willing to pay more than what is owed? I guess I always thought the insurance company would pay the homeowner and the bank for whatever they lost and they would be stuck looking for another place to live. However, I am completely ignorant of how any of this works.

Auctions can be cancelled. The last thing insurance wants to do is to pay buyer full purchase price.

I think in op's case it's the county goofing up and not updating their record. There is no way you can transfer title twice without paying off lienholders.

 

[Eli]

Good story. What happened?

Admittedly, that's not really the whole story. It was all fucked up; my brother and I had just moved a few months prior, were super poor, didn't have enough to move again - it really screwed us. So we didn't pay him rent/give 30 days the last month. Desperate people do desperate things. So stealing our stuff was his way of retaliating.

It took us some months to get our stuff back, after paying him the rent we skipped out on, even though what he did was completely illegal. We filed police reports and stuff but they considered it a civil matter for some reason, and of course we had no money for attorneys and the like at the time.

I actually posted about it at the time(2008), but the thread devolved into a total trainwreck and was deleted.