What things are best NOT to do with foreclosed home?
After received a foreclosure notice There are several things that you might think about doing is that, immediacy, They could also seem absolutely sensible or affordable.
Unfortunately in these cases it may also happen to be obstinate on one thing and quit evaluate any alternative, perhaps more viable and profitable, in fact eliminating any real possibility of solve the problem.
Many have lost precious time behind improbable solutions, if it used immediately in the right direction, would allowed out well from a situation that seemed unsolvable. Some of them, Unfortunately, they have well aggravated their situation instead of improving it.
With this article I want to help avoid some mistakes where it is easier to stumble, because the result of beliefs or rumors so deeply rooted in popular belief as to be considered infallible solutions.
Hoping that the foreclosure lapses
Maybe you don't know that, by law, the foreclosure decade HE After 45 days assignment or sale is not requested by the creditor.
Good, discard this hypothesis, because a creditor which sets in motion a long and expensive mechanism to get money back hardly “dimenticherà” to meet this deadline.
It would be like deciding to rely solely on good luck, I would avoid!
Make opposition
At foreclosure can be proposed opposition. In general you can oppose an act if you think that it was clerk an error in the content or if there are formal defects.
I want to warn you immediately against this practice, often exploited by some unscrupulous lawyers who, upon your payment, they keep your hopes alive with the hypothesis of one solution that almonst never reveals itself effective.
In fact, the foreclosure deed is unlikely to have any defects, since it will have been written by other lawyers, nor can you oppose the foreclosure on the merits because if you had obtained a loan or mortgage and, Unfortunately, at a certain point you were no longer able to pay it, I'm sorry but you won't be able to make excuses.
Don't oppose if you know you are at fault and put your money towards something different!
Ask for a loan, a loan or renegotiate the mortgage
I shouldn't even touch this button, but unfortunately there is always someone who wastes precious time that could be used in activities more useful to the cause.
Ask for a financing, o one loan, if you have a real estate foreclosure on your shoulders it doesn't make much sense, since the database in which the bad payers (like you right now, purtroppo…) it is accessible to everyone.
It would be like saying “you lend me some money to repay a debt I contracted with someone else but have never repaid?”. In fact it is not credible that anyone would listen to you.
If you have thought about renegotiating your mortgage, Unfortunately I have to disappoint you again. If you have been foreclosed because of mutual unpaid you can't renegotiate it, simply because now there is no longer any mortgage, the contract was terminated due to non-performance by one party (you).
Furthermore, un po’ come prima, don't you think it would be less credible that the bank to which you no longer paid the installments (nor fulfilled the injunction, né al precetto…) give yourself more credit?
Don't waste time on other loans, non puoi ripagare un debito facendo altri debiti!
Donare la casa
Togliti dalla testa quello che ti ha raccontato al bar un conoscente di un amico di un collega: non puoi donare la casa a tua moglie, non puoi darla in usufrutto a tua suocera, né puoi affittarla ad un tuo lontano parente.
Non puoi fare nessuna cosa finalizzata a sottrarre la casa alla vendita forzata perché il pignoramento “annulla” l’effetto di qualsiasi atto posto in essere sull’immobile.
In parole povere qualunque cessione del bene tu faccia, è come se non fosse mai avvenuta, then non potrai autonomamente vendere (o cedere in altro modo!) la tua casa pignorata senza il preventivo accordo con i creditori.
Questo significa anche che, in teoria, you could sell the house and repay the creditors if they authorize you to do so first.
Thinking they'll never throw you out of the house
This is it one of the most common beliefs e, Unfortunately, the most difficult one to eradicate.
They don't exist young children, they do not exist disabled relatives, they do not exist elderly people: when the house is sold at auction the new owner has all the rights, and certainly the interest, to let out whoever is inside.
You may have heard news on TV, or the usual acquaintance of your colleague's friend will have told them to you at the bar, ma There is no law that allows anyone who lives in a house that goes up for judicial auction to remain there after the sale.
sure, there are deadlines to respect to allow the old owner to move out, e forse potranno passare mesi prima che il nuovo proprietario attivi le procedure di sgombero.
Purtroppo per te, But, prima o poi qualcuno verrà a bussare alla tua porta, ti farà uscire insieme a tutti quelli che abitano con te e cambierà la serratura, anche con l’aiuto della forza pubblica.
Non potrai accampare alcuna scusa, d’altronde la casa non sarà più tua e non avrai alcun titolo per rimanervi.
È triste, lo capisco, ma devo aprirti gli occhi su questa cosa che inganna davvero tanti pignorati e li convince ad attendere passivamente l’asta senza fare nulla per risolvere la situazione, nella convinzione che nessuno potrà mai venire a buttarli fuori con la forza.
Contact for a free consultation and we will explain clearly how you can consolidate your debt position and return to live in peace.