reaffirm patio doors financing ???

[btbeme]

American General is pretty much a disparagement of two terrific words.

Unless their security interest is recorded, there is no security interest. If it is recorded, tell them to come get their custom-made doors...because they are worthless to anyone else. Remind them of the legal requirement to replace them with the originals, and tell them to hurry up before the pit bulls pee on them again.

I'd tell them to go piss up a rope. Actually, I'd say nothing and see what happens. Which is likely absolutely nothing.

Of course, $200 isn't much in the grand scheme of things. If they refuse the $$$, go back to Step 1, which I outlined above.

[porkchopcash]

As a wrap up to this saga;
Filed motion to redeem for $200. AG had 21 days to file response. They did not file response so judge signed redemption order. I mailed copy of order and check for $200 to AG. Therefore their security interest is null and void and I own doors free and clear.

Redemption motion was a great suggestion from my competent attorney and it worked well. I would recommend this to anyone else who has a unique situation with property and a potential security interest.

[sunshinepa]

Congrats on the solution!!!

[catleg]

Very nice (and they were bluffing all the way, but you handled it well).

[IamOld]

Congratulations!!!!!!!

[porkchopcash]

you are right, they were bluffing and did not want the doors but it was worth $200 to call their bluff.
When I called attorney he said "would you pay $200 to have this go away" and I said yes.

[BROKEDED]

Congrats! Isn't it nice when things work smoothly like that?

On a side note, I think I'll file a motion to redeem my house for $200. $150 to the first mortgage and $50 to the 2nd. You think that would tick the Trustee off a bit?

[justbroke]

Yes, congratulations. If your attorney didn't charge you anymore in fees for the Motion to Redeem, then I want to say kudos to your attorney. Many attorneys charge hourly rates to litigate a motion to redeem. I'm very happy that this worked for you!

A Motion to Redeem can be an excellent strategy if your District allows negative noticing and you feel that the creditor will never answer the motion anyhow! You basically will be able to Redeem secured property (under 11 USC 722) without even a hearing!

[debee]

you are right, they were bluffing and did not want the doors but it was worth $200 to call their bluff.
When I called attorney he said "would you pay $200 to have this go away" and I said yes.

I agree. If you ever wanted to sell the property (or leave it to your kids free of encumbrance) you would've had to pay something to get rid of the fixture lien (or mechanic's lien if they went that route). $200 is a good price for custom doors, installed.

[porkchopcash]

JB, attorney charged nothing extra for motion. Although he charged enough upfront because of complicated nature of the case.
He is competent but not personable. Always has an answer and it is usually spot on.