2 years ago i moved out so my daughter and her family could live in a house and kids have a back yard to play..they recently moved out, trashed the place and its in forclusure under my credit score.. i did write a letter back then letting them pay for all cost involving the house. september 7 th i had shoulder operation and she informed me the house was being forclosed on.. i personally cant get the letter from the people who have it but a suphoena could..
also, three years ago my son-in-law co signed for it and he took the car that i payed 300.00 a month since march 2003
2006-10-01 12:28:44 · 13 answers · asked by charmaine c 1 in Family & Relationships ➔ Other - Family & Relationships
It depends on what state you live in; I'm sure the laws are different from state to state.
My guess is that you allowed your daughter and son-in-law to make the payments, which is why the property is now in foreclosure.
1. Call your bank and see if you can make payment arrangements with them. If you have the ability to bring the payments current, do that first. Where the bank is concerned, they don't care who was supposed to be making the payments. They just want their money.
2. Make sure the bank has your correct mailing address and contact information so you can get any additional notices about the property.
3. Talk to a lawyer; if they have not served YOU properly - and YOU, not your daughter, is the property owner - they may have to delay the sale because of improper service.
4. Make sure your insurance is current; if your daughter was responsible for making the insurance payments and didn't, the bank may have put on a "forced placement" policy. The premium for that kind of policy is extremely high and is added to your loan, so you're paying interest on that as well.
5. Did you have your daughter and son-in-law sign a rental agreement, or some kind of agreement concerning the property? Take that to your lawyer as well.
6. Go through your records and find out what other obligations you have made with your daughter/son-in-law and do what you can to get out of them or at least take control of them.
7. If you haven't taken pictures of the house to show it's condition, you should. If you're going to go after your daughter for damages, you'll need some kind of proof. Again, whatever agreements you have between would be helpful.
I'm sorry to hear this has happened to you. It's always been my policy not to do business with friends or family. And, if I do, there's always a written agreement so there's no doubt about what everyone expects and what the consequences are, if any.
2006-10-01 12:58:23 · answer #1 · answered by Le_Roche 6 · 1⤊ 0⤋
It seems to me that if your son inlaw cosinged for the house, he's liable to pay for it if you can't. Thats why you have a co signer. It's insurance for the bank to make sure it gets paid. Your credit score sounds like it doesn't matter if you go bankrupt or not.
If you can't afford a lawyer, there is legal aid availabe for you. I hope you kept some kind of written evidence to back up your story. The co signed paper should be a big help.
2006-10-01 12:50:55 · answer #2 · answered by Amy Beware 4 · 1⤊ 0⤋
That sucks. sounds such as you're doing each and every little thing real already. Small claims courtroom, or only ask an coverage agent they'd have some innovations. Get a replica of the misdemeanor rules on your city, and easily permit the mum and dad understand what he would desire to be to blame for, harm sensible Scare them somewhat. a super outdoors dogs a pretend digital camera. community association. Fingerprint the stuff he's touched - my sons into secret agent gadgets, so think of you may get those kits somewhat low-priced. She doesnt have faith him, yet isnt going to allow you understand that. you additionally could have an option to bypass to the owner then, if the tenants are bringing the community down. Dont understand the legalities/rights here, yet additionally some thing that would desire to be an determination.
2016-10-18 07:58:38 · answer #3 · answered by ? 4 · 0⤊ 0⤋
If your daughter and son-in-law thought it was ok to do this to you, they are first class deadbeats. You could sue them, but even if you win, they probably wouldn't pay you, just like they didn't pay the note on the house. Sounds like they like to live on other peoples' money. If I was you, I wouldn't spend the time,the money or the heartache it will take to persue them. Build a new life without them.
2006-10-01 12:41:51 · answer #4 · answered by middle sista 1 · 1⤊ 0⤋
yes you can sue them but the question is what will be the out come?? will they be able to pay??will you lose your daughter for it??will you get to see the kids???My suggestion is do what you feel you need to do but think twice..and stop paying for a car they can use public transportation..they must have the $if your paying for their responsibilities!
2006-10-01 12:33:30 · answer #5 · answered by Alli 3 · 1⤊ 0⤋
Get a good lawyer and take them to court. Never trust them again
2006-10-01 12:31:03 · answer #6 · answered by Pantherempress 7 · 1⤊ 0⤋
Unless you had some kind of signed lease stating they cant trash the place then too bad for you.
2006-10-01 12:31:25 · answer #7 · answered by julia4evert 4 · 0⤊ 1⤋
Talk to a lawyer.
2006-10-01 12:30:14 · answer #8 · answered by janicajayne 7 · 1⤊ 0⤋
I would talk to a lawer about that since they do free consultations.
2006-10-01 12:36:52 · answer #9 · answered by Casey M 1 · 0⤊ 0⤋
You can, but you will lose them. I know someone who was sued by her mother, they have cut off all ties and she will never get to see her grandkids again.
2006-10-01 12:32:22 · answer #10 · answered by Fleur de Lis 7 · 0⤊ 1⤋