Electricity?

[truckerswife]

Alright our home is going into foreclosure (the stay was lifted 9/18). We are moving 10/18. I know I have to keep insurance on the house until it is sold. What about electricity? Do I have to keep that on as well? I am hoping to be able to transfer my deposit over to my new residence.

[BKParalegal]

No, but send a letter to your mortgage company letting them know when you will no longer be in the home and for them to secure it.

Good Luck

[justbroke]

I agree with BKPara... always right! When I left my home, I then filed for Bankruptcy. The mortgage company never "secured" the home despite my declaration of surrender. The electric company was "included" on my schedules and they actually created a new account for me and took care of the other account with my deposit (which covered most of it).

What they didn't do, was cut off the service. i was being billed about $230 a month since then! So, make sure you turn it off if the Bank is not taking over.

Or, you'll have a nice bill.

[domaingamer]

You should check on water, sewer and garbage as well - might as well make sure that's not still in your name.

[StartingOver08]

True for everything but water in our area - the water company will keep billing the owner of record weather the water is on or off the balance accrues.

[AngelinaCatHub]

True for everything but water in our area - the water company will keep billing the owner of record weather the water is on or off the balance accrues.

Who bills the water, the City? I would contest that big time. Water and sewer means, if you flush, you use water and the sewer uses it.

If no one is there, write a certified letter and include the bk statement in it and that you would not accept nor pay a bill of that sort. 'Hub

[StartingOver08]

In our area we have water utility authorities. They go after the owner of record all the time. You can discharge the past with the BK, but if you surrender the house you have to have the water paid up to the date of transfer to the new owner.