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/ | |
| Civil Court Civil Court. Civil Filing processes all civil court cases, subsequent documents and orders filed in the Fourth Judicial District Court, along with ... www.mncourts.gov/district/4/ | |
| Lawsuit - Wikipedia, the free encyclopedia A lawsuit, or "suit in law", is a civil action brought before a court of law in which a plaintiff, a party ... courts offer alternative dispute resolution in all civil actions ... en.wikipedia.org/wiki/Lawsuit | |
| New York City Civil Court The Civil Court of the City of New York has jurisdiction over civil cases involving amounts up to $25,000 and other civil matters referred to it by the Supreme Court. ... www.courts.state.ny.us/courts/ | |
| Philadelphia Courts: First Judicial District of Pennsylvania Adoption • Child Custody • Child Support • Civil • Community Court • Criminal • Divorce • Emergency Protection From Abuse • Juvenile Delinquency ... courts.phila.gov | |
| New York City Civil Court: Motions To view or print a free civil court form, you may refer to Notice of Motion. ... You may download the appropriate free civil court form at Affidavit of Service. ... www.nycourts.gov/courts/nyc/ | |
| 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/ | |
| Civil law (common law) - Wikipedia, the free encyclopedia This article is about civil law within the common law legal system. ... Civil law courts provide a forum for deciding disputes involving torts (such as ... en.wikipedia.org/wiki/ | |
| Miami-Dade County - Clerk of Courts Welcome to the Clerk of Courts Website ... your needs in an efficient, cost-effective and secure manner. Civil. County Recorder. Criminal. Family. Jury Service. Juvenile. Probate ... www.miami-dadeclerk.com/ | |
| Civil Limited Civil cases are heard at the following courthouses: ... Fresno Superior Court provides interpreting services to all trial court proceedings in ... www.fresnosuperiorcourt.org/ | |