Jill' starting over...

well, ive gained two pounds, one pound a week, im going in the wrong direction! LOL
 
I can't believe the bank won't deal with you. They would be much better off financially to sell it to you than to go through the foreclosure process. I find that rather bizarre, and I deal with banks and foreclosures/short sales rather frequently these days. I hope you can buy it back if that's what you want. Once it goes to the Sheriff's sale, your friend will have a 6month redemption period. In fact YOU DO NOT HAVE TO VACATE THE PROPERTY UNTIL THE REDEMPTION PERIOD IS UP. This is fact. So you should stay in the house until then. The reason being, if you vacate the property now, it will be considered abandoned, and the bank can take it back almost immediately, and your friend will lose the redemption period. So don't move out. Once it's gone to the sheriff's sale, the bank will "buy" it and then the 6 months start. Until then, you can remain there. I'm a licensed realtor in a high foreclosure rate state, so I know all about this. IMO, it's worth bugging the bank about this. Tell them you know your rights. Your friend has every legal right to sell the house up until the time the redemption period is over. And if it hasn't gone to the sheriff's sale yet, she can sell it to whomever she wants. I hope this was helpful to you. :) It would be worthwile to consult a local realtor who deals with foreclosures or a real estate lawyer about this. They can help you purchase the home from your friend. As long as you pay at least what's owed on it, there shouldn't be any trouble. :)
 
hey Kimberly! Thanks!

apparantly the house was up for sale in January, which she didnt tell me about.

A new bank bought the mortgage but he didnt pay them either.

She owes like 76K plus $12K for taxes fees, etc... the houe isnt worth that much.

Im HOPING to buy the house when it goes for auction....but my credit needs a little help, any tip on quickly getting my credit up?

I have paid off all my credit cards except I still owe on the car that was repoessed during my last custody trial (argh my ex!!!)
 
ps. I did have a realtor friend call the bank, I guess it just gone way past being able to buy it, the bank is DONE....

she (my friend) still maintains that I have to be out by May 31st... it want even a full months notice which is mandatory in this part of New York...
 
oh, I forgot, im here for weight los! hee hee

Breakfast smoothee:

banana, fresh strawberries, milk, whey powder, tbsp peanut butter
(ewwwwwwwww when looking up my foods in fitday, HUMAN MILK was an option! hahaha)
 
If it's already gone to auction you will need to get out now. Your best bet is to wait for it to come on the market again. I'm sure you'll get it for a good price at that time.

Re your credit, I would try to pay off what you owe on your repo'd car. If you paid off your credit cards and closed the accts, I would get one or two credit cards--charge things that you have to buy like food and gas, then pay them off every month so they don't charge you interest. That will help your credit. What about your new van? Do you have a lease or loan on it? That is considered debt if you do, and could hurt your debt to income ratios. The best thing to do is to talk to a lender. They can tell you how much you can get a mortgage for, and what your credit score is. :)
 
It hasnt gone for autction yet, the bank still owns in, Im betting that shes trying to do a deed in lieu of foreclosure....
 
you said the same thing as my brother about the repo'd car! and credit cards...

okay, thats the next step....
 
oh, BTW Mondays weight in was 206.2, another pound gained! If I wanted to gain a pound a week, id be doing awesome!!!!
 
When a foreclosed house goes to auction, it's technically called the sheriff's sale. What happens then is that the bank that holds the mortgage buys it back. It's strange, I know. So even after the auction, the bank will still own it. Your friend's 6 month redemption period begins after the sheriff's sale. After that 6 months is over, the bank takes the house back and puts it up for sale. However, if the house is vacant during that time, the bank can claim abandonment and take the house back sooner. So if the house is currently in the redemption period, and you vacate, then they'll have it on the market sooner for you to buy..lol

As to your weight, are you keeping with your exercise? Even if you let the food go a bit, if you continue to exercise it'll help keep the gains at bay--and exercise is also great stress relief--and I'm sure you could use some of that! :biggrinjester:
 
This whole thing is so confusing!! LOL

as for my weight, no exercise, I do need some, does packing and throwing away stuff count!!??
 
I just wish my daycare business wasnt tied in with the house, ugh..
 
okay, heres my breakfast.. better get back on track!!

breakfast:
bite of english muffin (whole wheat) 1/2 cup 100 % grape juice, cup skim with protein powder
 
Im so mad my pedometer broke! Gotta find the receipt so I can take it back! It really did help keep me moving!
 
Just stopping in reallly quick to say HI.

I started this program called FA for food addicts...

anyways, I started 2/22/09 and as of today, I have lost 56 pounds and went from 203 to 147.

Deleting sugar and flour from my diet is working (with the help of a sponsor) Im so thankful...

I hope everyone is doing well. xoxox

Jill
 
oh wow! I was 206 when I came here..so that makes 59 pounds lost!
 
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