• CREDIT – EVICTION AND CAR REPO?

      2 comments
    italiano627 asked:

    hi im a 23 yr old male i live in NY. back in 2006 i moved to florida and it didnt work out, a year after i moved i was evicted from my apt and i drove back home to NY with a car i was financing from a buy here pay here dealership in florida. i couldnt afford the payments on it and they hired somebody here to reposses it.

    my question is how does this eviction affect my credit? becuase i moved to a diff state can it still look bad? can they still make a judement against me althought i moved out of state?

    and my car repossession…i havnt recieved a notice in almost a year about money that i owe, do i still owe this money? can they make a judgment against me even though i moved out of state?

    i have a wonderful gf and i have never told her about this. i would like to marry her someday and im afraid that my credit will not allow me to buy a house and all that good stuff that married people do? does anybody out there have advice???

  • EVICTED AND CAR REPO?

      1 comment
    italiano627 asked:

    hi im a 23 yr old male i live in NY. back in 2006 i moved to florida and it didnt work out, a year after i moved i was evicted from my apt and i drove back home to NY with a car i was financing from a buy here pay here dealership in florida. i couldnt afford the payments on it and they hired somebody here to reposses it.

    my question is how does this eviction affect my credit? becuase i moved to a diff state can it still look bad? can they still make a judement against me althought i moved out of state?

    and my car repossession…i havnt recieved a notice in almost a year about money that i owe, do i still owe this money? can they make a judgment against me even though i moved out of state?

    i have a wonderful gf and i have never told her about this. i would like to marry her someday and im afraid that my credit will not allow me to buy a house and all that good stuff that married people do? does anybody out there have advice???

  • Commack Real Estate: It’s More Than Just a House

      0 comments

    When looking at real estate in Commack New York, you want to find the perfect new home. New construction in Commack, such as new houses built by Emmy new houses, you the chance to have a brand-house with beautiful layout that no family has lived in before.

    More than just a house, when you move to Commack it is a community. In the suburbs of Long Island, new homes in Commack give families a solid school district and a strong sense of community. With many parks, golfing, restaurants and beautiful property, Commack NY should be one of the towns on your shortlist.

    When you buy a home in Commack, you have a tremendous number of choices. There are more than 100 restaurants, museums, a dozen parks, and many activities for the family. Whether you like movies, bowling, sports, shopping or outdoor activities, the choices are yours.

    Within the town, there are many local communities. Manorwood Estates in Commack, a new development by Emmy new homes, offers a range of choices from 3200 to 4000 sq.ft. with a variety of floor plans. Whether you’re looking for a classic design, open layouts or traditional designs, you’ll find many options available. On 1 acre parcels, these new homes were spacious inside and out.

    As you look a Commack property, ask yourself these 5 things:

    1. is this a house layout or an old house? Many older homes have smaller rooms lower ceilings, lacking that open house feel.

    2. Does the kitchen need to be renovated? This can cost $50,000 or more; with new construction, you have the brand-house of your dreams built into the price of the house.

    3. Does the new house have enough bedrooms? Most people want at least one extra room for future family growth, visitors or a new house office. Make sure you don’t limit yourself with your buy.

    4. How big is the basement? A few decades ago, people used their cellar for storage. Today, many families can pick up up to 2000 extra sq.ft. of living space by finishing their basement. Ideally, you have high ceilings (8 to 9 feet) with as few piping and low hanging duct work as possible. Some new homes designed twenty years ago had high ceilings but duct work and other items hung from the ceiling throughout the basement, unfortunately creating a complicated maze that people are required to navigate around.

    5. Do you like the neighbors? You are going to be living there, so be sure these are the people you want to live near.

    As you choose your new house, keep in mind-you’re buying a new house, not just the home. Make sure that you choose your house in Commack – or any other area – that is a new home you will be happy in.

    Craig Axelrod is one of the partners with Emmy Homes. Emmy is one of LI’s most established real estate builders. Emmy’s Commack development features luxury homes in Commack. Visit EmmyHomes.com for information.

  • Would really appreciate your advice. Should I pay off old debt to buy a house?

      5 comments
    nnlow asked:

    My husband’s car was repossessed six years ago. It has since passed the SOL and it will fall off his credit report in one year. Mistakenly he may have reset the SOL by talking to the collection agency and acknowledging the debt. Maryland law is a little confusing in regards to resetting SOL. When his car was repossessed he owed the original creditor about $7000 the balance has now gone up to $39000. We REFUSE to pay that amount on a repossession. They were willing to settle for $13000 which still seems like a lot for a old debt. My questions are, Did he rest the SOL by acknowledged debt, we have not sent off any payment or put anything in writing all communication has been over the phone? Since this is the only thing on his credit should he settle in order to buy a house now? Or should we play the waiting game and wait a year for it to fall off his credit report before buying a house? The main motivation in buying a house now is that the market is good for buyers and we have the money now to buy a house. Any answers would be helpful.
    Good Advice so far and to Cat Dad it seems that sometimes during the day are more active than others. So that is why I asked the question again, hoping to get more responses. I really don’t see the problem with wanting to reach more people for more advice : )
    Just because I repost does not mean you have to REspond. But Thanks!!!

  • How do I pay the difference on a repossessed truck?

      2 comments
    kaycee asked:

    Here is the situation. My boyfriend is about to buy a house, we will be signing the papers sometime this week. He has a $406.00 a month truck payment. needless to say, that money going toward the truck will need to be used for the house payment. now- he is going to sign for the house, and right after, get a voluntary repossession on the truck. when he does this, the truck goes to auction, correct? and after the auction, he will need to pay the balance that is left, right? Now the main question is… how does he go about paying off the remaining balance on the truck? does he still have to make the 406 dollar a month payment until the balance is payed off?! OR is there a special credit card that he can get beforehand ( to make sure he has a good intrist rate before his credit goes down the drain due to the repossession) that he can put the balance on, and make smaller monthly payments?!?!?! someone with actual knowledge or experience in this situation PLEASE HELP! =(…. THANKS!

  • I am about to lose my house to foreclosure. I am looking for a 1-stop source for foreclosures or great deals.

      5 comments
    africanbfly asked:

    Even though I am about to lose my house, I am very fortunate that my mother has agreed to buy a house for me – I would pay the mortgage and expenses. But we are looking for a foreclosure or any great deal. Is there a one stop source to find these properties in my area?

    aristotle truth

  • How long does it take to buy a house on Foreclosure?

      4 comments
    bob asked:

    My dad has got a loan accepted for the foreclosure house. the house is in horrible condition. But i just wanted to no about how long will it take untill we can actually get the keys n start fixing it. We’ve been waiting about 4 months for them to call us. I really dont no what is going on, or what process this is, can someone please help me. Thank you

    drug addiction resources

  • House Purchase but could be issues?

      4 comments
    jetfan2 asked:

    We wish to buy a house and found a bank repossession on the market, when I had the water turned on for the house inspection and I was called and told that there was a water leak probably due to the fact that the house was not winterized soon enough. And that we needed to put the inspection off for now. We have now rescinded our offer because I am afraid that even if the leak is fixed that there will be other leaks popping up down the road. This will make me fearful and worried while we are at work or on vacation. I am also worried that there is a compromise in the plumbing and that there could be a very slight spray coming from a joint in the pipes and cause mold before I discover it. My realtor AND Mortgage broker do not seem to agree, but we are not willing to take a risk at this.
    What are the thoughts of the Yahoo community?

    Bud1%  @? @? @? @ E%DSDB`? @? @? @

  • Should I use my student loan money on useless/fun stuff, or a buy a house out of foreclosure?

      4 comments
    PlasticTrees asked:

    I have always used student loan $ to live on, drinking and traveling etc. This semester I’m taking out a hefty loan in hopes of getting a great deal on this foreclosure. I no longer want to pay rent when I could buy a house for 2 years worth of rent. I also have dogs that need a yard!

    Should I go broke, buy the house/make the repairs and live off what my fiance and I make (like we are now)? Or spend the money on a much needed new car and a trip to Egypt?
    I only have 10k of student debt as of now and I graduate in a year. This student loan will put me up a few 10s of thousands.

    real estate

  • Exactly how do you buy a house that is in foreclosure?

      1 comment
    married2nalien asked:

    I see all these ‘foreclosure’ websites (realtyTrax, foreclosures, etc) that list a ton of houses that are in pre-foreclosure, auction and REO but then don’t really do a good job of explaining what these different stages are, what happens in each one and which stage is best to try and purchase a property.

    One thing-I don’t want to ‘cold call’ people who are in danger of foreclosure to try to convince them to sell me their house at a cut rate price.

    Thanks for your help!

    mega yachts for sale