emma1420
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Post by emma1420 on Mar 22, 2017 14:05:11 GMT -5
Can you try doing this in a different order? Has she shopped for the new place yet? If not, I'd figure out the equity on the guesstimation of what she'd get when an organized clean house sells and what she'd get from the house not done. Maybe the realtor could work the numbers up for you so she'd have a more objective view point (and may actually listen). Then I'd take her condo/house shopping for what that equity and her monthly income affords affords her. Maybe when she sees the crappy places she may end up with that will motivate her to do this. If it were my mother (thankfully mine wasn't like that at all but DH is) I'd just hire some people to clean all the crap out and take it to the and then hire a cleaning crew to come in. It would be cheaper than a storage unit to hold all her useless stuff. I'd advise the crew (after marking the items with bright pink stickies) to leave furniture and the boxes that I've marked and take everything else. I don't have patience for crap like that though. I'm a take charge "You WILL do this or I will. Your choice." kind of person. I think the word I'm looking for is "bitch" but it would get done in a timely manner. She has looked at other places to get a sense of what her budget will buy. However, the market here (especially in her new price range) is very hot, and so the realtor at this point feels that there is no point in showing her other things when she can't put in an offer. And she can't put in an offer until she has a contract on her house. Because ideally, I do think if she had another place lined up she would be more motivated. Although I'm not sure her expectations are in line with her budget. Her realtor told me she's being realistic about finishes, but perhaps not space. And I get that to some degree. I think until you have to find a place it's easy to dawdle. And a POD would be probably $200 a month. I could cover that for a couple of months. Having a company like 1-800-GOT-JUNK and cleaners would cost me thousands. I had a junk removal people out at my house before I listed my house last year, and it cost me $500 and I perhaps had a tenth of the amount of stuff that my mother has. I just can't afford it. And to be honest, it would just cause resentment. My mother would have a meltdown that I was taking her stuff, and I resent like hell I'd have to give up my vacation to see my family in the UK this year to pay for her house. At least with the storage unit, I still get to go on vacation! Which I'm going to need more than most years I think.
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giramomma
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Post by giramomma on Mar 22, 2017 14:19:34 GMT -5
<abbr class="o-timestamp time" title="Mar 22, 2017 14:05:11 GMT -5" data-timestamp="1490209511000">Mar 22, 2017 14:05:11 GMT -5</abbr> emma1420 said: And a POD would be probably $200 a month. I could cover that for a couple of months. Having a company like 1-800-GOT-JUNK and cleaners would cost me thousands. I had a junk removal people out at my house before I listed my house last year, and it cost me $500 and I perhaps had a tenth of the amount of stuff that my mother has. I just can't afford it. And to be honest, it would just cause resentment. My mother would have a meltdown that I was taking her stuff, and I resent like hell I'd have to give up my vacation to see my family in the UK this year to pay for her house. At least with the storage unit, I still get to go on vacation! Which I'm going to need more than most years I think. In your situation I would be clear about how much of the storage POD you'll cover for how long. You needn't give up your vacation. You are an adult, too. "No, that won't work for me." will be enough.
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Post by The Walk of the Penguin Mich on Mar 22, 2017 14:22:48 GMT -5
What is your mom getting SSDI for? Is she physically capable of doing this?
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Shooby
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Post by Shooby on Mar 22, 2017 14:27:57 GMT -5
Why does she need a house? I would advise her to move into an apt. Rent an apt, hire a mover and only take what she needs. Then call an Auctioneer to box up and sell the rest of the contents. Then, go clean the home and put it up for sale.
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Lizard Queen
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Post by Lizard Queen on Mar 22, 2017 14:30:24 GMT -5
Hmm, I should check to see if my MIL still has her storage unit. It's been nearly 5 years since she was forced to downsize after completely running out of money.
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Shooby
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Post by Shooby on Mar 22, 2017 14:31:52 GMT -5
I wouldnt bother with storage. Get rid of stuff. There is a point in life where you have to quit hanging on to things. Now is that point.
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emma1420
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Post by emma1420 on Mar 22, 2017 14:46:37 GMT -5
What is your mom getting SSDI for? Is she physically capable of doing this? She's getting SSDI for having complications from diabetes. She does need some help. She can't physically lift heavy boxes, she can't move furniture, etc. But, she's physically capable of packing up boxes. Perhaps she can't do 8 hours solid, but she is more than capable of spending an hour or two unloading a cabinet and packing a few boxes, taking a break and then coming back to pack a few more. But, she's also the laziest person I know and she uses her illness as an excuse for why she can't do things.
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Gardening Grandma
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Post by Gardening Grandma on Mar 22, 2017 14:52:45 GMT -5
The storage unit would only delay the inevitable. You do know that emptying the unit will ultimately become your job, right? See if taking pictures of things (like the second unused flan dish) would suffice. Some folks attach memories and hopes to objects and need the objects as visual reminders. Pictures are visual, but fit on a hard drive, not a storage unit. I think everyone's aware that the storage unit is only a band aid. But it will solve the immediate problem of getting the house sold before foreclosure enters the picture. I can actually identify a little bit with the mother. I suck at packing when I move, I can't pack up the things that I won't need ahead of time, because everything then turns into "I might make a flan, and if I do I won't know which flan dish I'll need" (I don't claim there is logic to this kind of thinking). It doesn't have to be sentimental value, for me it's frustration that I don't have what I want to use in the moment I need it. So in my case I don't think the 'picture' would do me much good. In Emma's case it sounds like it's more control by her mother more than anything, be it conscious or unconscious. By moving the stuff into storage it eliminates the power struggle. it will solve the immediate problem of getting the house sold before foreclosure enters the picture. Exactly. You have to deal with things one step at a time.
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Peace Of Mind
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Post by Peace Of Mind on Mar 22, 2017 14:53:06 GMT -5
Can you try doing this in a different order? Has she shopped for the new place yet? If not, I'd figure out the equity on the guesstimation of what she'd get when an organized clean house sells and what she'd get from the house not done. Maybe the realtor could work the numbers up for you so she'd have a more objective view point (and may actually listen). Then I'd take her condo/house shopping for what that equity and her monthly income affords affords her. Maybe when she sees the crappy places she may end up with that will motivate her to do this. If it were my mother (thankfully mine wasn't like that at all but DH is) I'd just hire some people to clean all the crap out and take it to the and then hire a cleaning crew to come in. It would be cheaper than a storage unit to hold all her useless stuff. I'd advise the crew (after marking the items with bright pink stickies) to leave furniture and the boxes that I've marked and take everything else. I don't have patience for crap like that though. I'm a take charge "You WILL do this or I will. Your choice." kind of person. I think the word I'm looking for is "bitch" but it would get done in a timely manner. She has looked at other places to get a sense of what her budget will buy. However, the market here (especially in her new price range) is very hot, and so the realtor at this point feels that there is no point in showing her other things when she can't put in an offer. And she can't put in an offer until she has a contract on her house. Because ideally, I do think if she had another place lined up she would be more motivated. Although I'm not sure her expectations are in line with her budget. Her realtor told me she's being realistic about finishes, but perhaps not space. And I get that to some degree. I think until you have to find a place it's easy to dawdle. And a POD would be probably $200 a month. I could cover that for a couple of months. Having a company like 1-800-GOT-JUNK and cleaners would cost me thousands. I had a junk removal people out at my house before I listed my house last year, and it cost me $500 and I perhaps had a tenth of the amount of stuff that my mother has. I just can't afford it. And to be honest, it would just cause resentment. My mother would have a meltdown that I was taking her stuff, and I resent like hell I'd have to give up my vacation to see my family in the UK this year to pay for her house. At least with the storage unit, I still get to go on vacation! Which I'm going to need more than most years I think. That's not who I'd call. I'd call an employment agency that will send men for about $14/hr. (maybe a little more these days) to do the work. I also suspect you'd need more than one POD from the way you described the house. If there is an HOA they have limits on how long they can sit at the home and you'd need to pay for them to move and store the POD as well. I also wasn't saying she should make an offer or buy now. My point was to show her how little she would get if she doesn't do the work needed to be done. It may motivate her so she can get more money for a better place. Good luck!
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emma1420
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Post by emma1420 on Mar 22, 2017 15:04:57 GMT -5
Why does she need a house? I would advise her to move into an apt. Rent an apt, hire a mover and only take what she needs. Then call an Auctioneer to box up and sell the rest of the contents. Then, go clean the home and put it up for sale. She can't afford the rent on an apartment. Apartments start around $700 a month for a one bedroom apartment, that is about half of her income (and she wants a 2-3 bedroom place which would run closer to $1300-$1400 a month). But, the bigger issue is that once the equity from her home gets put into her bank account she will spend it on crap. That money will be gone within 5 years, and then I'll be stuck trying to get her into senior housing. I think it will just cause a lot more issues down the road. She is looking at condos and townhouses. And I do think it's a better long-term move for her (and me!). She's been claiming she's on the verge of death for at least the last decade. So judging by that she's probably going to be around for another 20 to 30 years. It's better for me if she's in a place that she owns, because she can cover those expenses with her income, and I don't need to worry about her running out of money. Between insurance, HOA, and taxes that would probably run her around $400-$500 a month for what she wants, leaving her enough money to cover the rest of her needs. Plus it helps that her credit is so horrible that she'll never be able to use the equity in that house as a piggy bank. So I don't need to worry about her being foreclosed upon in the future.
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emma1420
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Post by emma1420 on Mar 22, 2017 15:10:50 GMT -5
She has looked at other places to get a sense of what her budget will buy. However, the market here (especially in her new price range) is very hot, and so the realtor at this point feels that there is no point in showing her other things when she can't put in an offer. And she can't put in an offer until she has a contract on her house. Because ideally, I do think if she had another place lined up she would be more motivated. Although I'm not sure her expectations are in line with her budget. Her realtor told me she's being realistic about finishes, but perhaps not space. And I get that to some degree. I think until you have to find a place it's easy to dawdle. And a POD would be probably $200 a month. I could cover that for a couple of months. Having a company like 1-800-GOT-JUNK and cleaners would cost me thousands. I had a junk removal people out at my house before I listed my house last year, and it cost me $500 and I perhaps had a tenth of the amount of stuff that my mother has. I just can't afford it. And to be honest, it would just cause resentment. My mother would have a meltdown that I was taking her stuff, and I resent like hell I'd have to give up my vacation to see my family in the UK this year to pay for her house. At least with the storage unit, I still get to go on vacation! Which I'm going to need more than most years I think. That's not who I'd call. I'd call an employment agency that will send men for about $14/hr. (maybe a little more these days) to do the work. I also suspect you'd need more than one POD from the way you described the house. If there is an HOA they have limits on how long they can sit at the home and you'd need to pay for them to move and store the POD as well. I also wasn't saying she should make an offer or buy now. My point was to show her how little she would get if she doesn't do the work needed to be done. It may motivate her so she can get more money for a better place. Good luck! I think we could get away with one 2-3 bedroom house POD. At least for the stuff that cannot stay in the house while it's on the market. She can use a moving company for the rest of her stuff. The house doesn't need to be empty, it just needs to look like a house that is ready to go on the market. And the employment agency is a good suggestion. I don't mind paying for a bit of moving help to get things cleared out. And I really like the idea of putting the PODs in my mother's name, even if I pay for it.
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chiver78
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Post by chiver78 on Mar 22, 2017 15:45:23 GMT -5
Can you try doing this in a different order? Has she shopped for the new place yet? If not, I'd figure out the equity on the guesstimation of what she'd get when an organized clean house sells and what she'd get from the house not done. Maybe the realtor could work the numbers up for you so she'd have a more objective view point (and may actually listen). Then I'd take her condo/house shopping for what that equity and her monthly income affords affords her. Maybe when she sees the crappy places she may end up with that will motivate her to do this. If it were my mother (thankfully mine wasn't like that at all but DH is) I'd just hire some people to clean all the crap out and take it to the and then hire a cleaning crew to come in. It would be cheaper than a storage unit to hold all her useless stuff. I'd advise the crew (after marking the items with bright pink stickies) to leave furniture and the boxes that I've marked and take everything else. I don't have patience for crap like that though. I'm a take charge "You WILL do this or I will. Your choice." kind of person. I think the word I'm looking for is "bitch" but it would get done in a timely manner. She has looked at other places to get a sense of what her budget will buy. However, the market here (especially in her new price range) is very hot, and so the realtor at this point feels that there is no point in showing her other things when she can't put in an offer. And she can't put in an offer until she has a contract on her house. Because ideally, I do think if she had another place lined up she would be more motivated. Although I'm not sure her expectations are in line with her budget. Her realtor told me she's being realistic about finishes, but perhaps not space. And I get that to some degree. I think until you have to find a place it's easy to dawdle. And a POD would be probably $200 a month. I could cover that for a couple of months. Having a company like 1-800-GOT-JUNK and cleaners would cost me thousands. I had a junk removal people out at my house before I listed my house last year, and it cost me $500 and I perhaps had a tenth of the amount of stuff that my mother has. I just can't afford it. And to be honest, it would just cause resentment. My mother would have a meltdown that I was taking her stuff, and I resent like hell I'd have to give up my vacation to see my family in the UK this year to pay for her house. At least with the storage unit, I still get to go on vacation! Which I'm going to need more than most years I think. a 16' POD, stored at their site, was $200/month two years ago in MA. I was able to fit 95% of the contents of a 1250sf townhouse in there while I house hunted. obviously a smaller POD (they also have 7' and 12') will be cheaper, and it may be cheaper if you do not store it at their site. hope that helps
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raeoflyte
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Post by raeoflyte on Mar 22, 2017 16:22:53 GMT -5
Why does she need a house? I would advise her to move into an apt. Rent an apt, hire a mover and only take what she needs. Then call an Auctioneer to box up and sell the rest of the contents. Then, go clean the home and put it up for sale. She can't afford the rent on an apartment. Apartments start around $700 a month for a one bedroom apartment, that is about half of her income (and she wants a 2-3 bedroom place which would run closer to $1300-$1400 a month). But, the bigger issue is that once the equity from her home gets put into her bank account she will spend it on crap. That money will be gone within 5 years, and then I'll be stuck trying to get her into senior housing. I think it will just cause a lot more issues down the road. She is looking at condos and townhouses. And I do think it's a better long-term move for her (and me!). She's been claiming she's on the verge of death for at least the last decade. So judging by that she's probably going to be around for another 20 to 30 years. It's better for me if she's in a place that she owns, because she can cover those expenses with her income, and I don't need to worry about her running out of money. Between insurance, HOA, and taxes that would probably run her around $400-$500 a month for what she wants, leaving her enough money to cover the rest of her needs. Plus it helps that her credit is so horrible that she'll never be able to use the equity in that house as a piggy bank. So I don't need to worry about her being foreclosed upon in the future. Has she talked to a lender about a mortgage on a new house, or would the equity let her pay cash for the kind of place she's looking at? I'm concerned that if her credit may not be enough to get a loan and then you have another issue to tackle.
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haapai
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Post by haapai on Mar 22, 2017 16:30:58 GMT -5
You've stated that your mom has enough equity in her house to buy another, much smaller one, with the proceeds of the sale of this one. How sure are you of that? Have you ever seen paperwork from the current mortgage servicer?
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emma1420
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Post by emma1420 on Mar 22, 2017 16:31:52 GMT -5
She can't afford the rent on an apartment. Apartments start around $700 a month for a one bedroom apartment, that is about half of her income (and she wants a 2-3 bedroom place which would run closer to $1300-$1400 a month). But, the bigger issue is that once the equity from her home gets put into her bank account she will spend it on crap. That money will be gone within 5 years, and then I'll be stuck trying to get her into senior housing. I think it will just cause a lot more issues down the road. She is looking at condos and townhouses. And I do think it's a better long-term move for her (and me!). She's been claiming she's on the verge of death for at least the last decade. So judging by that she's probably going to be around for another 20 to 30 years. It's better for me if she's in a place that she owns, because she can cover those expenses with her income, and I don't need to worry about her running out of money. Between insurance, HOA, and taxes that would probably run her around $400-$500 a month for what she wants, leaving her enough money to cover the rest of her needs. Plus it helps that her credit is so horrible that she'll never be able to use the equity in that house as a piggy bank. So I don't need to worry about her being foreclosed upon in the future. Has she talked to a lender about a mortgage on a new house, or would the equity let her pay cash for the kind of place she's looking at? I'm concerned that if her credit may not be enough to get a loan and then you have another issue to tackle. She has. Her credit is too poor to qualify for a mortgage of any sort. Luckily she does have enough equity to let her pay cash for something far more modest than what she has now. In many ways I'm relieved her credit is so bad. It means she can't over spend on a new house. She will always have financial issues to some degree, because she will always want to spend more than she brings in. But, if I know she can't use her home as a piggy bank, and she will at least have a roof over her head, I can let go a lot of the rest.
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GRG a/k/a goldenrulegirl
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Post by GRG a/k/a goldenrulegirl on Mar 22, 2017 16:35:56 GMT -5
I don't know anything about SSDI, so disregard this if not applicable, but the sale of her home and the purchase of a new one won't trigger any loss of benefits or any clawback provisions, will it?
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emma1420
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Post by emma1420 on Mar 22, 2017 16:46:50 GMT -5
You've stated that your mom has enough equity in her house to buy another, much smaller one, with the proceeds of the sale of this one. How sure are you of that? Have you ever seen paperwork from the current mortgage servicer? I'm pretty sure. I'm not 100% sure, because my mother lies, and I haven't seen the mortgage payoff statement, but I'm fairly sure she's telling the truth as everything else I know about her situation adds up to that amount. I also know that she's never made more than about $15 an hour at anytime during her working life. Thankfully, that limits the amount of money she's ever been able to borrow. And I also know that she hasn't been able to qualify for any sort of loan since the 08 crash. I believe she tried to refinance in 2010 and was denied.
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Post by The Walk of the Penguin Mich on Mar 22, 2017 16:50:49 GMT -5
I don't know anything about SSDI, so disregard this if not applicable, but the sale of her home and the purchase of a new one won't trigger any loss of benefits or any clawback provisions, will it? No, SSDI is not means tested.
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973beachbum
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Post by 973beachbum on Mar 22, 2017 17:05:51 GMT -5
I have to do this with DH. If left to his own devices our home could star on an episode of hoarders. Well that doesn't work for me. So I let him know "we" are cleaning up and getting rid of stuff. He hears the deadline but somehow never actually does anything. So after that I do it when he is out. Most of the time he notices the house is clean but doesn't notice any actual things are gone until at least a year later. I'm seriously not kidding. It takes him a year to ask about something that was thrown out at least a year before. In this case if she is agreeing that she needs to pare down I would take her at her word and say I will get the storage unit and help here pick stuff to put in storage so she can sell her house. This is where I am mean/devious. I would have Aunt Jane take mom out for the afternoon and shove as much stuff as I could possibly get done in the time she was out. When she comes back she will probably like the way it looks. If not then I would promise to bring it back for her as soon as I could considering all that needs to be done with selling her house.
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giramomma
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Post by giramomma on Mar 22, 2017 17:15:43 GMT -5
I've got nothing else but hugs, emma1420This is a hard thing to deal with...
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Tiny
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Post by Tiny on Mar 22, 2017 17:19:58 GMT -5
Storage Units: where things go to die.
If you just pack up everything without going thru it (atleast alittle bit!) - you will STILL need to go thru it when you unpack it. I can't image having to pull boxes and boxes of "kitchen stuff" and attempting to go thru it after the fact. If you are going to take the time to write an "inventory list" on each box (so that when it comes time to unpack you have some clue as to what you will have in each box) you might as well cull your mom's stuff BEFORE it goes in a box.
If your mom is like my mom was there's probably things that no longer work (my mom had 4 broken toasters! and one still working antique toaster (that was an electric fire hazard) neatly stored in the basement - just in case). It felt 'bad' to be throwing away the broken toasters - maybe someone would want them? NOT!! - but it had to be done. I know the 'pain' of having to decide what to do with duplicates of stuff. I had 12 wooden spoons... some were decades old and never used some that were burned/icky and you'd never use again, a handful were the "use everyday' ones. I had the hardest time getting the wooden spoons down to the 3 that were actually useful (and used). Our minds are tricky things some times.
The thing is... the work will probably fall on YOU and not your mom.
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haapai
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Post by haapai on Mar 22, 2017 17:22:07 GMT -5
I hope that you understand why I asked about the current mortgage amount. If she managed to refinance (i.e. draw out more) prior to 2008, or has already defaulted, it would explain a lot of her paralysis and inaction.
The same would also be true if she has somehow acquired non-mortgage debt, especially if she has filed for bankruptcy in the last seven years.
It should not be hard to get some type of verification of the current mortgage principal. A formal payoff amount is unnecessary. The monthly mortgage statement that most lenders send should suffice. If she's somehow managed to go paperless, the account information should be accessible online.
Getting some sort of assurance that she does not have other debt that would have to be paid off with the mortgage proceeds is trickier but it would probably appear on a credit report.
I'd definitely want some assurances that the sell this house and buy another plan could work before shelling out anything for movers or storage.
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emma1420
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Post by emma1420 on Mar 22, 2017 18:31:21 GMT -5
I hope that you understand why I asked about the current mortgage amount. If she managed to refinance (i.e. draw out more) prior to 2008, or has already defaulted, it would explain a lot of her paralysis and inaction. The same would also be true if she has somehow acquired non-mortgage debt, especially if she has filed for bankruptcy in the last seven years. It should not be hard to get some type of verification of the current mortgage principal. A formal payoff amount is unnecessary. The monthly mortgage statement that most lenders send should suffice. If she's somehow managed to go paperless, the account information should be accessible online. Getting some sort of assurance that she does not have other debt that would have to be paid off with the mortgage proceeds is trickier but it would probably appear on a credit report. I'd definitely want some assurances that the sell this house and buy another plan could work before shelling out anything for movers or storage. My mother won't share that information with me. I asked her to get the payoff amount and provide it to the realtor. Which I think she will have to provide when she's puts in an offer on a new place. I'm fairly sure she has a lot of credit card debt she defaulted on years ago. I know she was behind on her property taxes at one time, but I checked the public records and she is caught up on that. It's one more reason that it's better that the equity from her current home goes into a new one versus her bank account. Keep in mind my mother has just turned 61. She's still got all her faculties, well if you don't count her cashing out her state pension. She's not elderly. She just loves to act as if she's in her 90s.
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swamp
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Post by swamp on Mar 22, 2017 19:07:38 GMT -5
You really need to check for liens and get the payoff amount from the morTgage. She may not get money from the sale if the credit cards went to judgement.
Youre wasting your time.
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Shooby
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Post by Shooby on Mar 22, 2017 19:21:36 GMT -5
I dont understand saying she cant afford an apt but she can afford a house? Houses have a lot of expenses. Keep it simple.
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zibazinski
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Post by zibazinski on Mar 22, 2017 19:38:20 GMT -5
She can't get a rental due to her poor credit so buying a house outright is the only way. She can afford taxes and utilities on her income. I'd be a bit worried that there might be maintenance on a house she can't afford or that since it's free and clear, she'll remortgage it to buy more stuff or whatever but you can only do so much. Rent the pod and put the stuff in it that clutters the house and good luck. You're going to have to be the one to do it I'm afraid.
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NastyWoman
Senior Associate
Joined: Dec 24, 2010 20:50:37 GMT -5
Posts: 14,893
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Post by NastyWoman on Mar 22, 2017 19:39:20 GMT -5
I hope that you understand why I asked about the current mortgage amount. If she managed to refinance (i.e. draw out more) prior to 2008, or has already defaulted, it would explain a lot of her paralysis and inaction. The same would also be true if she has somehow acquired non-mortgage debt, especially if she has filed for bankruptcy in the last seven years. It should not be hard to get some type of verification of the current mortgage principal. A formal payoff amount is unnecessary. The monthly mortgage statement that most lenders send should suffice. If she's somehow managed to go paperless, the account information should be accessible online. Getting some sort of assurance that she does not have other debt that would have to be paid off with the mortgage proceeds is trickier but it would probably appear on a credit report. I'd definitely want some assurances that the sell this house and buy another plan could work before shelling out anything for movers or storage. My mother won't share that information with me. I asked her to get the payoff amount and provide it to the realtor. Which I think she will have to provide when she's puts in an offer on a new place. I'm fairly sure she has a lot of credit card debt she defaulted on years ago. I know she was behind on her property taxes at one time, but I checked the public records and she is caught up on that. It's one more reason that it's better that the equity from her current home goes into a new one versus her bank account. Keep in mind my mother has just turned 61. She's still got all her faculties, well if you don't count her cashing out her state pension. She's not elderly. She just loves to act as if she's in her 90s. Holy sh*t. Here I was thinking about how to help an old person and you deal with this, only to find out the "old person" is four years younger than I am. Now I've got nothing... The storage unit for her stuff may be your only option but it doesn't look like she is willing to do anything like that, or move for that matter...
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emma1420
Senior Member
Joined: Jan 28, 2011 15:35:45 GMT -5
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Post by emma1420 on Mar 22, 2017 19:45:14 GMT -5
You really need to check for liens and get the payoff amount from the morTgage. She may not get money from the sale if the credit cards went to judgement. Youre wasting your time. How do I do that? I don't have her social security number, and she will not willingly share that informafion with me.
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swamp
Community Leader
THEY’RE EATING THE DOGS!!!!!!!
Joined: Dec 19, 2010 16:03:22 GMT -5
Posts: 45,622
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Post by swamp on Mar 22, 2017 19:52:51 GMT -5
You really need to check for liens and get the payoff amount from the morTgage. She may not get money from the sale if the credit cards went to judgement. Youre wasting your time. How do I do that? I don't have her social security number, and she will not willingly share that informafion with me. Go to the county clerk/recorder of deeds and look it up. You can look up her mortgage on there too and estimate the amount owed. They're public record.
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emma1420
Senior Member
Joined: Jan 28, 2011 15:35:45 GMT -5
Posts: 2,430
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Post by emma1420 on Mar 22, 2017 19:56:41 GMT -5
How do I do that? I don't have her social security number, and she will not willingly share that informafion with me. Go to the county clerk/recorder of deeds and look it up. You can look up her mortgage on there too and estimate the amount owed. They're public record. Thanks. I'll head down to the courthouse on Friday.
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