Hi guys, just would like some quick friendly advice or to even vent with some other frustrated people out there!
I surrendered my property last year in my bk. I haven't paid on the property since April 2009. BK closed in September 2009. The bank filed for relief from the stay but did absolutely nothing with it. In fact, after my bankruptcy was closed they started collection attempts! They kept calling me asking when I was going to pay them... I'm like...umm never? It took about 2-3 months for me to get them to stop sending me late payment bills and stop calling. Finally, in January they sent me a letter saying hey we noticed your property is vacant, we're changing the locks... I'm like yay, they are going to do something now... nope... nothing. I have heard didly squat from my bank and not even a letter of default or anything.
My problems are now with the HOA and this stupid community propietary company. I tried to make arrangements with the HOA to pay them 50 bucks a month (all I can afford they weren't even in my ch 7 budget) till the property is foreclosed... they have been giving me some problems but haven't heard anything from them in the last few months. The monthly payment is supposed to be like 200 dollars... so, I'm quite behind with them.
The other problem is this annoying community proprietary thing... basically, my HOA changed companies as of 12/31/09 and apparently the old company was paying this community fee. Its like 90 bucks a month to pay for pools and stuff in the community. I didn't realize this was included and I've actually never signed up to use any of the community offerings. So, I sent them an email saying I do not feel that I should pay for something I'm not using bla bla...waiting for foreclosure...bla bla. They are sending me past due letters but I'm like totally ignoring it. I know I technically am responsible for it...but come on... why would I pay for swimming pools and things that I am not using nor is anyone related to my property. You have to sign up for these services and be registered and I have no one registered to use these things.
Uggg so I'm annoyed... anybody else in the same boat? Does anybody know what this community proprietary place has in the way of rights? Is it just like an HOA or is more like a standard bill collector?
I also saw another post where someone said that they stopped paying their HOA and just let them put a lien and push for foreclosure... would that be faster than waiting for my bank? Would calling my bank and asking them WTF is taking so long help? I hate calling them cause it always takes like 30 mins to get connected to someone who knows what the hell they are talking about.
I surrendered my property last year in my bk. I haven't paid on the property since April 2009. BK closed in September 2009. The bank filed for relief from the stay but did absolutely nothing with it. In fact, after my bankruptcy was closed they started collection attempts! They kept calling me asking when I was going to pay them... I'm like...umm never? It took about 2-3 months for me to get them to stop sending me late payment bills and stop calling. Finally, in January they sent me a letter saying hey we noticed your property is vacant, we're changing the locks... I'm like yay, they are going to do something now... nope... nothing. I have heard didly squat from my bank and not even a letter of default or anything.
My problems are now with the HOA and this stupid community propietary company. I tried to make arrangements with the HOA to pay them 50 bucks a month (all I can afford they weren't even in my ch 7 budget) till the property is foreclosed... they have been giving me some problems but haven't heard anything from them in the last few months. The monthly payment is supposed to be like 200 dollars... so, I'm quite behind with them.
The other problem is this annoying community proprietary thing... basically, my HOA changed companies as of 12/31/09 and apparently the old company was paying this community fee. Its like 90 bucks a month to pay for pools and stuff in the community. I didn't realize this was included and I've actually never signed up to use any of the community offerings. So, I sent them an email saying I do not feel that I should pay for something I'm not using bla bla...waiting for foreclosure...bla bla. They are sending me past due letters but I'm like totally ignoring it. I know I technically am responsible for it...but come on... why would I pay for swimming pools and things that I am not using nor is anyone related to my property. You have to sign up for these services and be registered and I have no one registered to use these things.
Uggg so I'm annoyed... anybody else in the same boat? Does anybody know what this community proprietary place has in the way of rights? Is it just like an HOA or is more like a standard bill collector?
I also saw another post where someone said that they stopped paying their HOA and just let them put a lien and push for foreclosure... would that be faster than waiting for my bank? Would calling my bank and asking them WTF is taking so long help? I hate calling them cause it always takes like 30 mins to get connected to someone who knows what the hell they are talking about.
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