I was told by my real estate agent that if I did a short sale or foreclosure on my home in Arizona, that both the first mortgage and Home Equity Line of Credit (taken out 9 months after home purchase) would both be relinquished in a short sale or foreclosure. Because the house had dropped significantly in value and half the lots were vacant from owners doing the same thing, I decided to proceed with the short sale. It wasn’t approved and went into foreclosure. Now the bank is pursuing judgment against me to garnish my wages. Unfortunately, I can’t afford to retain an attorney. Is this a case I can win, even if I represent myself in a civil suit against this realtor? I also have email documentation asking him specifically how both loans would be treated. He responded with "Don’t worry, I have it!" I also have a witness to him telling me this verbally. According to the anti-deficiency laws, the second loan is not forgiven because it’s Non-Purchase Money, is this correct? Also, I’m wondering if I have a strong enough case to pursue this in civil court, representing myself.
Posts Tagged ‘civil court’
Foreclosure…bank seeking judgment on Home Equity Line of Credit?
Monday, November 23rd, 2009I have a credit card that I don’t want to pay off. Too much. I’m in Texas, what can they do to me?
Thursday, July 2nd, 2009First, about me.
I’m 32.
I own my home outright. 100% deed in hand
I pay cash for cars.
Next is Texas Law:
No wage garnishments for consumer debt
No liens can be placed on your homestead or its equity
I don’t care about my credit score. I’ve never taken out an auto loan in my life. I will never need to. Since I own my home outright, I won’t be needing a home loan either. In fact, I don’t take out loans (other than credit cards)
I no longer want to jack with repaying my credit card. Not even minimum payments.
I’m wondering what the bank can do to me. As far as I know all they can do is take me to civil court and get more added to the debt…. Of course I wouldn’t show up because I don’t give a crud. It’s civil court and they’ll win by default judgment. Oh well, I just don’t pay it. (For the record, civil courts are not criminal courts, you don’t go to jail for civil matters).
I’m not looking for a morality lesson here. The way I see it is it’s the banks faults anyway that this inflation situation (bailouts) has bankrupted us all. I don’t want a lecture. I’m just wanting to know what they can do to me?
Thanks
Rick B. : I’ve already paid my dues in bail outs thanks.
Also it’s not my fault the government is full of corporate buddies who vote to bail each other out. They are idiots.
Related ‘civil court’ sites :
| Civil Court Description Civil Court home page. This page provides a general definition of civil cases, including the various types of cases heard in Civil Court. ... www.scselfservice.org/civ/ | |
| Lawsuit - Wikipedia, the free encyclopedia "Civil action" redirects here. For the film of the same name, see A Civil Action. ... A lawsuit is a civil action brought before a court of law in which a plaintiff, ... en.wikipedia.org/wiki/Lawsuit | |
| New York City Civil The Civil Court offers speakers to schools, community and governmental agencies to provide information on the Court and legal information. ... www.nycourts.gov/courts/nyc/ | |
| Harris County District Courts General Civil Court Information. Click on any of the links below to get more information ... Harris County Administrative Offices of the District Courts 2006 ... www.justex.net/Courts/Civil/ | |
| Civil Civil. The Civil Division is comprised of the following civil courts and offices: Conciliation Court, Probate Court, Housing Court, Civil Comitments, ... www.mncourts.gov/district/2/ | |
| New York City Civil Court If you are not able to come in to court your case will be postponed. ... The Civil Court of the City of New York has jurisdiction over civil cases involving ... www.nycourts.gov/courts/nyc/ | |
| Travis County Courts The Civil Courts are located in the Heman Marion Sweatt Travis County Courthouse: ... Effective immediately, the Civil Courts will accept applications of attorneys ... www.co.travis.tx.us/ | |
| Travis County Civil Courts Welcome to Travis County Civil Courts, Texas. ... Criminal Courts documents and forms are listed on the left, including Criminal Courts E-Filing documents ... www.co.travis.tx.us/courts/ | |
| WebCivil Local WebCivil provides online access to information about cases in Local Civil Court in New York State. ... of courts are available - see the list of Available Courts for ... iapps.courts.state.ny.us/ | |
| Civil Court - eHow.com Learn about Civil Court on eHow.com. Find info and videos including: About Filing a Lien, How to Sue Someone for Breach of Contract, What Is a Copyright Statement? ... www.ehow.com/civil-court | |