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State, US] consecutive years i've made my full monthly
Washington State, US] For 3 consecutive years i've made my full monthly mortgage payment to Bank Of America. I've never carried over a previous month's payment. Was 3 days late on the last payment, paid the late fee, and got a warning letter about foreclosure.I was late one other time this year, by 2 days, and payed the late fee. All of this i can validate on my online banking. I even called BOA when I paid the latte fee and asked if the late payment affected my account. The representative said earthing was showing as up-to-date on it. I've never received a letter like this before. It states:"IMPORTANT RIGHTS FOR HOMEOWNERSNOTICE OF PRE-FORECLOSURE OPTIONSYou must respond within 30 days of the date of this letter to take advantage of your rights.IF YOU DO NOT RESPOND within 30 days, a notice of default may be issued and you may lose your home in foreclosure.IF YOU DO RESPOND within 30 days of the date of this letter, you will have an additional 60 days to meet with your lender before a notice of default may be issued.YOU SHOULD CONTACT A HOUSING COUNSELOR OR ATTORNEY as soon as possible. Failure to contact a housing counselor or attorney may result in your losing certain opportunities, such as meeting with your lender or participating in mediation in front of a neutral third party. A housing counselor or attorney can help you work with your lender to avoid foreclosure."I'm suspecting it's a scare tactic. If so, it's working because they also sent a signature confirmation letter that I'm picking up at the post office tomorrow. I'm also going to call Home Loan servicing when they open tomorrow.Can you advise?
I am selling my condo in California and the management
I am selling my condo in California and the management company for the HOA sent me a letter regarding blocking escrow from closing if I didn't remove garbage that was already told to the board was not mine (even by a current homeowner who took responsibility), remove a vehicle that had already been moved for days, fix the sprinkler in front of my house back to broken (yes you read that correctly), and other petty items that belong to other households, not mine. I've had problems with this board and management company already, as I've tried to get them to spend wisely-- even joining the board. The board president even then tried to "block" me from participating by refusing to change the meeting days and the rest of board apparently agreed or had no opinion. Now my escrow close is being threatened. What can I do?
Does Chapter 22 of the Texas Business Organizations Code
Does Chapter 22 of the Texas Business Organizations Code override the existing HOA bY-Laws?Example: The By-Laws state that," The power to alter, amend, repeal or adopt new by-laws shall be vested in the members ( homeowners ) but such power may be delegated to the members of the Board of Directors if so empowered by a vote of a majority of the membership or Board of Directors if so empowered, present in person or by proxy before such a vote shall be valid, notification that said vote is to be taken must have been included in the notification required by Article IV, section 3 for the regular, special, or annual meeting at which the vote is being taken."My HOA has been amending the By-Laws in "pursuant to Chapter 22 of the Texas Business Organizations Code" and having them submitted to their lawyers who have them submitted to have them notarized by the county.No notices were sent out about a vote to provide them the authority to amend the By-Laws and no vote was held. They contend Chapter 22 overrides the amendment process stated in out HOA By-Laws.Are they correct?Thank you,M. Kelley
I closed on a house that i had inpspected. the day after
i closed on a house that i had inpspected. the day after closing the sellers agent shut the power electrical power but didnt shut off water and the water came into the house flooding the crawl space and laundry room hallway and two bedrooms. there is more but i cant type it. shoud i go after thr realtor for the seller? the inspector? i dont know what to do.
I have had a lien filed against my personal property by a
I have had a lien filed against my personal property by a homeowner whom I built a personal residence for. I was a sole proprietor business at the time I did the construction. The lien was filed 2 1/2 years after the construction was completed and we did not receive notification of the lien until it showed up during a refinance application on our part regarding our personal home.Is this lien a permanent thing or does it need to be renewed periodically?
Live in Florida HOA under Chapter 720. You know criminal
Live in Florida HOA under Chapter 720. You know criminal background checks are being done for renters in HOAs. I hear associations now are requiring criminal background checks for home buyers. This can't be after the homeowner signs a contract to purchase a home, can it? Also, doesn't a requirement to do a criminal check have to be allowed in the association documents ?
I am an investor in Sacramento, California and I want to
Hello, I am an investor in Sacramento, California and I want to start a direct mail marketing plan. My question is, is it legal to contact homeowners facing foreclosure through direct mail, e-mail, phone calls, or a knock on their door. Of course, I would try to be as sensitive to their situation as possible as this is a difficult time for the homeowner.
Several of us want to install solar panels on our
Several of us want to install solar panels on our condominium roofs, and the solar company tells us that if we sign to accept maintenance and repair responsibility in return for private use of the common property it should be sufficient. Also, our CC&R's already allow that agreement for the installation of satellite dishes on common walls, so I believe that is a defining precedent. But our HOA attorney insists that the HOA actually transfer ownership of the roof, which requires 2/3 vote by the homeowners in each and every case. We can't get that many to open their mail. Do you think it is possible to convince the attorneys that transfer of ownership is not necessary and that a one-time passage of a clause like we have now for the satellite dishes can apply to any homeowners who apply to the architectural committee and sign an acceptance of responsibility agreement?
Counselor at Law
Issue is regarding homeowners association dues. JustView more real estate law questions
Issue is regarding homeowners association dues. Just received notice that I owe late fees for 2013 and 2014. Was never previously notified of these fees. New management team came into place late in 2015 and now I received a bills for them. Did not receive any notice when I received my dues bill In January of 2016. Can they legally charge me for late notice more than a year later without previous notice?JA: Because real estate law varies from place to place, can you tell me what state the association is in?Customer: AlabamaJA: Have you talked to a lawyer yet?Customer: noJA: Anything else you think the lawyer should know?Customer: Not that I can think of.