Geeeesshhh.... It's seems like it's been forever..... We were discharged in November and December was the holidays and well, just holiday crazy. We let everything go in our BK. We stopped paying our house payment in September. I am expecting to see our name published in a county newspaper soon but I haven't seen it yet. The last couple of weeks we have been painting and cleaning carpets and generally trying to declutter. Our house went on the market secretly (no sign in yard) and we got an offer after 3 days. We are going for a short sale. The mortgage company had their own guy come out and do an appraisal so hopefully we should know this week whether we are moving soon or not.
STILL waiting for the repo people to come get our truck. Have not paid since July.
We had a loan with Citi Financial. They had a security interest with our car. We really did some digging and phone tag playing with the "right" people and reaffirmed with them, outside of our bankruptcy for 50% of the loan to be paid over 12 months NO INTEREST!!! then they will release the title to us. I have to see if they will be reporting to the credit beauros but trying to call them and actually get acurate information takes about 45 minutes out of my day.
So that's what's going on in my crazy life right now... If I am not packing up nonessentials I am going through my filing cabinet which I save EVERYTHING! Time to toss half of it out. I threw out a stack of old CC statements and all the correspondence and bills we were receiving througout our BK and I swear it was about 3 inches thick. It felt so good to just drop it in the trash!!!
Anyways, on to my question. It's regarding the short sale. I know we are not to receive any money with the transaction. Our realtor said that she would give us 1% of her fee under the table. She normally would charge 5% but is doing it for 6%. I am just wondering if this is "technically" illegal? I know stuff like this happens often between buyer/sellers/realtors, but are we in a different ballgame because of our bankruptcy? I don't want to screw it up by getting $2,500 under the table and then get all that BK debt back. Anyone a realtor out there? Is this shady or is this common?
STILL waiting for the repo people to come get our truck. Have not paid since July.
We had a loan with Citi Financial. They had a security interest with our car. We really did some digging and phone tag playing with the "right" people and reaffirmed with them, outside of our bankruptcy for 50% of the loan to be paid over 12 months NO INTEREST!!! then they will release the title to us. I have to see if they will be reporting to the credit beauros but trying to call them and actually get acurate information takes about 45 minutes out of my day.
So that's what's going on in my crazy life right now... If I am not packing up nonessentials I am going through my filing cabinet which I save EVERYTHING! Time to toss half of it out. I threw out a stack of old CC statements and all the correspondence and bills we were receiving througout our BK and I swear it was about 3 inches thick. It felt so good to just drop it in the trash!!!
Anyways, on to my question. It's regarding the short sale. I know we are not to receive any money with the transaction. Our realtor said that she would give us 1% of her fee under the table. She normally would charge 5% but is doing it for 6%. I am just wondering if this is "technically" illegal? I know stuff like this happens often between buyer/sellers/realtors, but are we in a different ballgame because of our bankruptcy? I don't want to screw it up by getting $2,500 under the table and then get all that BK debt back. Anyone a realtor out there? Is this shady or is this common?
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