Okay, Ex got the house,it was foreclosed on but my name was still on it. They put a judgement on me which evidently greentree bought. I am ready to pay greentree but they cant release that judgement because they didnt put it there. I dont want someone coming after me years from now saying I still owe. My original lender was Irwin home equity but on court papers it says wells fargo bank minnesota as indenture trustee under the irwin home equity loan trust.So is the judgement from wells fargo or irwin home equity. My payments were always made to Irwin but now I dont know what this means. It would stink to pay greentree then have Irwin or wells fargo say I still owe them. What do I do? Does anyone know what this means? Thanks in advance.

I have been dealing with Denny Hecker in Blaine Minnesota for almost three months now. My husband and I went in to trade off my ’96 Ford Explorer and our 2000 Dodge Grand Caravan things started off great we were put into a 2002 GMC Sierra which we brought back because there was problems with that so we ended up with a 2004 GMC Sierra we had all the paper work signed and had the vechicle in our posseson for almost a month when the dealership called us telling us we needed to return the truck and they would have to find us something else (turns out they forgot what the actaul price was on the truck which was 4,000 more than what they had told us we just found that out las night. Anyway then they put us in a Dodge Ram Sport which we had for a little over two weeks then that deal wasn’t going to work either so they were putting us in their gaurentee program or to unwrap the entire deal I fianlly had enough at the point and said ok let’s unwrap the deal they come back into the office about 5 minutes later and say well we can’t unwrap the deal because we’ll face some legal issues with that and we have to get you into something right away so that we can pay the loan on your two vechicles that were traded in. I called my bank whom I have that loan with and asked what legal issues they would maybe face they couldn’t really tell me so I asked about the loan I had and they said it wasn’t in the system the continued to search and turns out the loan had been paid by Denny hecker about two to three weeks prior. Then this entire thing turned around they had lied big time to me and weren’t helping at all. We continued to look for a different car there and eventually it was going to be me on the loan only with $ 500 cash down and $ 300 equity from my loan as a down payment they found me one car which I took home and it broke down the next morning and I had to miss part of a day of work waiting for them to come get me with a different car they gave me yet another loaner and then found another car that some kid had just traded in about a week before it was a 1994 Ford Escourt 2Dr fine for the first day other than I couldn’t tell how fast I was going and later the vechicle started to die every time you stoped at a stoplight. They made me bring that back to the inver grove heights store last night because the other kids deal fell thru and he wanted his car back. ” they could give him his car back when the deal fell thru but they couldn’t mine?” did it any way. Now the other dealership is telling me they only show the $ 500 down they can’t get the paper work from the other denny hecker because of legal reasons so I’m out the $ 300 equity they told me last night they won’t find me another car unless it’s for $ 500 that’s it end of story. You tell me isn’t this wrong and a little fishy?

 

 I lost a home about 8-10 months ago. It was a construction loan no money down and just paid the interest on the property. I ended up loosing the property cause I could not refinance when I finished all the work. My question is wouldn’t this show up in my credit report? (cause nothing is there)

 

 The reason I’m asking is I just got married and we are trying to buy a home I talked to a lender and they shot me down right off the bat so I checked my credit it wasn’t the best but there was no foreclosure listed plus my wife has amazing credit she doesn’t make a hole lot a year but I do…..Are we hopeless?

 

On July 26, 2006 a tax lien was filed with the county court on a real estate property that my wife and her now ex-husband owned.

 

They were going thru divorce and so my wife transfered ownership to her ex on June 28, 2005 (this is not reported in the divorce papers but I have the transfer of ownership letter my wife wrote).  Her ex then sold the property on June 29, 2005.

 

The town claims that the 2006 taxes billed and filed as a lien were my wife and her exe’s responsiblility and therefore the lien is accurately placed against them and not the new owners (who acutally were the ones that paid the taxes in full and owned the proerty in 2006).

 

We have spoken with several people at the town office and they don’t understand that even though the tax lien has been paid in full it still is being reported to the credit bereaus and negatively effecting my wife’s credit scores.  Not to mention that it should never have been placed against my wife.

 

Back on July 21, 2007 her ex-husband received a letter (which we have a copy of) stating that the 2006 taxes have been paid in full and that “A discharge for the 2006 tax lien will be filed.”  Now, ‘discharge’ does not mean ‘vacate’, correct?  So having the town ‘discharge’ the tax lien isn’t enough to get it removed from her credit files, right?  I just emailed the lady we’ve spoken with multiple times at the town office again.  This needs to come off and they aren’t budging!  The ONLY way to have this removed from her credit report is to have it vacated by the town, correct?

 

I am getting no where with this account that I have been disputing with the CRA and they keep telling me it’s valid. I used to leave in a apartment for three months, until my parents gave me this property that I have been living at for the last 5 years. When I rented it, it was a month to month agreement. I rented it from a guy and I paid him the first month’s rent–no problem. The second month he leaves his wife and she moves in downstairs and raises my rent, and strips the two car garage from me! He never lived at the property, so the tenants in the first floor got evicted, so she could have the space. So I didn’t pay her the two months before I left, and moved out before she could take me to court. So I had my gas turned on there in my name. I left and she refused to let the gas company in for months, until she lost the house due to foreclosure. Her daughter or son, couldn’t tell who was who, used my gas for 5 months! I call the CA a few times and they give me a hard time saying that I should of let them into the premises when I no longer had a key! Do I file for fraud? Take her to court? I don’t even know her name. Some of the $1,317 balance is mine though. What should I do???? Filing it as fraud requires a police report. If I take her to court, I am afraid that she will counter sue for the $2000 in rent. Can she do that since it’s been 5 years? I signed the lease with her ex-husband not her. Please help.

 

Need to make good on this to buy a home. I just had four accounts removed this week off my report. Nice, I can’t wait to see the boost in my scores, since they where all recent.

 

 

 
Real Estate
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More Real Estate Articles

 

I ask this, because an article written by Scott Burns (writer for Dallas News), believes that very few people can take advantage of the mortgage interest deduction.

 

http://assetbuilder.com/blogs/scott_burns/archive/2010/11/19/would-you-miss-the-mortgage-interest-deduction.aspx

 

 

I know that we are able to make use of the deduction, because of 2 things: Mortgage interest is under the standard deduction by a little more than $1,000/yr. This is even on a short term (15 year) mortgage. However, our property taxes are relatively high (slightly over $8k), which is just about 2.3% of the appraised value of our house. So, between the 2, we are easily able to make use of the mortgage interest deduction.

 

So, who else is able to use the deduction?

 

Real Estate Guide to Buy or Rent Whangarei Northland and Coastal Property in New Zealand

Real Estate Investment in Whangarei New Zealand

Real estate business may be focused in so many aspects as an investment and as a method to earn money from. You can be a real estate agent and enjoy earning money while on the other hand, there are those who have the capital to earn being an investor in the buy and sell arena for a real estate business. In Whangarei New Zealand, however, there is a lot of available real estate business investment that you can get in to if you want to earn a significant amount of income from it.

Whangarei Real Estate Agent Marketing Tips

A Whangarei real estate agent in New Zealand may earn through real estate business by selling real estate property in so many ways and methods but so far, there are a few tips that I would like to give you to be able to earn good in this business. To be able to market a real estate property, you have to know where you can make such move or where to post your for sale property using the internet because we all know that the internet is the best medium there is if you are selling anything today. A few good ways to seek refuge for your product are forums and classifieds. Today there are a lot of free classifieds that you can post your for sale product. Forums can also be a good way to sell real estate. You can also try to market your real estate property using social media sites where you can post to multiple people who might just be interested to buy a real estate property in Whangarei. So far these are just a few ways and I know that there are a lot out there.

Different Real Estate Property Investment and Sale

In a real estate investment, there are a lot of different types that you can sell for interest of those who might be looking for the perfect type of property. Different people have different preferences for a real estate property that they wan to buy or rent or even lease for a period of time so to be able to allow your target clients to get a glimpse of what is there in the real estate industry in Whangarei Nez Zealand, you must have access to the different types of real estate properties being sold in the market today and make a list of them all. This is for the purpose of having each type under your profile just in case you have to present a client the different types of real estate property that you sell for choosing.

To get you an idea of what is in store if you are looking to sell real estate these are a few types. Coastal real estate, farmland real estate, northland real estate, beach real estate, resort real estate, ridge real estate and more. So far these are just a few but always feel free to make it more appealing and diverse for your clients. We all know that selling a real estate property either if it is for rent, lease or total sale depends on the choices that you can offer for your clients.

 

Is a loan from a relative to purchase property tax deductable?
I am about to ask a relative for a loan to purchase a land parcel for a future home site. I am going to pay back the loan plus interest just as if it were from a financial institution. Is the interest tax deductible? What paperwork would we have to draw up? What forms would be required? Would he/she have to pay income tax on the earnings?

Best answer:

Answer by botygy
The interest could be deductible–it depends. If the land is deemed investment property, you may be able to deduct it as investment, assuming you have investment income. If it is to be income-producing property, it would be deductible once rental property were constructed and placed on the rental market. No particular paperwork needed in these instances. If, however, you intend to use this for your personal residence or vacation home, the interest is deductible, again once construction is done. You’ll need to have a note and deed of trust recorded at the local register of deeds office for the interest on the loan to qualify for deduction.

Add your own answer in the comments!

Nov 112010
 

Hello,


I’ve split your thread off to start a new one. All I’ve done is change the title. If you want to change it to something else you can edit your own post. Go to the post. To the right you’ll see “Options.” Click on “Options” and select “Edit Message” from the drop-down menu. If you need any help with anything, let me know. Thanks for contributing to the forums


–marinevietvet, myfico moderator

 

 

 

This is about several leins that were placed on my property from old judgements when I purchased my home in 2009.  Prior to closing I had to pay the judgements and get a “release of judgement” from the courthouse.  I did all this prior to purchasing my property and closing on my mortgage last year.  Fast forward to this year…….we applied for a streamline refinance.  The title company came back to us and stated that needed to prove again that all of these items are paid.  No problem, I had all the paperwork stamped by the courthouse in my file box.  Lender told me that the way to get them off my title is to have creditors “release the judgement:”  Several of them already have those words on the paperwork, the other states that the “judgement is vacated.”  Don’t think that you can get a release from a judgement that has been vacated, hence ceasing to no longer exist.  Know that we’re now cleared for closing on the refinance, but is there any way to permanently get these items off the title.  I don’t think they ever should have been put there in the first place.  (they were all cleared and released prior  to the original purchase date).

Oct 162010
 

 I broke a lease back in Feb. 2008. I good reason to do so. I even hired a lawyer before moving to make sure I was doing things right. I actually had 2 good reasons to move.  I made a deal with the property management (Oct. 2007) , that I would stay until Jan. 2008 and then leave hassle free. Of course after I moved, I started getting bills for the remaining 6 months on my lease. Then a Law firm started threating me with lawsuits if I dont pay. I had my lawyer deal with them. My lawyer responded with my side of the story and  we were quite prepared to take our case to court if they choose that route. The law firm avised the property management not to try and take legal action because our case was very strong. The decided not to pursue the matter any further.

 

  Fast forward to Sep. 2009, I find out the law firm reported to all three CRA’s. I sent a letter to the law firm demanding that they withdraw the collections charge off or else. The only thing is, I don’t know what “or else” is.  What can I do about it? I wanted them to try and sue me, but they decided not to. Can I sue a CA  to force them to remove the collections?  I am not looking to sue for any money damages. I rather not have to go file a law suit and deal with it as a plantiff at all. But I will if thats possible.  Seems to me this is not legal. They know they have no case, but do I? 

 

 Thanks