Help! I have a Zombie Deed and I don't know how to kill it!

[Ohiogal]

Ah...its MY state...yep, there are all kinds of weird things going on here. However, I can verify that normally a Sheriff's sale is for unpaid property taxes.

Sheriff's sales also happen after foreclosures. And the property taxes -- that would have required a lawsuit as well to foreclose. They can't just send the Sheriff to sale the house without a lawsuit (known as a foreclosure).

 

[OHRoadwarrior]

Sometimes, I believe what happens is the property does not sell at the first sale and they just let it sit.

 

[DonCram]

so... does anyone have any useful advice that could help me overcome this unfortunate situation?

Or do you all just come on here to argue with each other?

Just wondering...

 

[LdiJ]

so... does anyone have any useful advice that could help me overcome this unfortunate situation?

Or do you all just come on here to argue with each other?

Just wondering...

Unfortunately I don't. You can try to be a squeaky wheel with the mortgage company but they are going to do things in their own time...if they do it at all.

 

[OHRoadwarrior]

Instead of being a deadbeat and relying on the system to get you out of the situation you created, put on your big boy panties, pay off the loan company and other encumbrances, then live in or sell the property.

so... does anyone have any useful advice that could help me overcome this unfortunate situation?

Or do you all just come on here to argue with each other?

Just wondering...

 

[FarmerJ]

Ive come to the opinion that banks delay foreclosure sales in order to hide from the public what is going on with a bank chain since many of them also had their hands in that trough of fees that every one and their aunty made money off of from so many many bad mortgages that they all helped create and push off onto the system. Not finishing foreclosures in my opinion is a way of putting it off so bank investors and public do not see true numbers of what they all did. BUT I agree with the others who have all said the bank cant be forced to take action. Some of my friends here the house they let go sat for 2 years before it was formally foreclosed on ( Country wide was the lender)

 

[LdiJ]

Sheriff's sales also happen after foreclosures. And the property taxes -- that would have required a lawsuit as well to foreclose. They can't just send the Sheriff to sale the house without a lawsuit (known as a foreclosure).

Seriously OG, Sheriff's sales are not typical in Indiana for foreclosures...and tax sales are not considered to be "foreclosures". The whole legal process is completely different.

 

[LdiJ]

Instead of being a deadbeat and relying on the system to get you out of the situation you created, put on your big boy panties, pay off the loan company and other encumbrances, then live in or sell the property.

Ok, this is a prime example of when you chime in with "pronouncements" that have no basis in legal reality.

The OP has been through bankruptcy. The house has been relinquished in bankruptcy. The OP no longer has the option to do any of what you suggested that the OP do.

Despite the fact that the mortgage company has not filed the necessary paperwork to transfer the deed to themselves, the OP no longer owns the property and would be stupid to do anything that you suggested.

 

[DonCram]

Instead of being a deadbeat and relying on the system to get you out of the situation you created, put on your big boy panties, pay off the loan company and other encumbrances, then live in or sell the property.

Wow OHRoadwarrior,

I hope for your sake that you never go through the financial downturn that I have. I honestly do not think that my personal finances are your business... however since you felt the need to get personal, I will tell you a little about what I have been through...

At the beginning of 2008 I was working in a factory that builds R.V.'S Making roughly $27 per hour. My wife and I spent the majority of our savings on the down payment for our first house (now the zombie deed). when the economy went down the tubes, the R.V. industry was one of the hardest hit. unemployment in the county that I live in hit 28%. Yes, I was one of those workers who was let go... it took over three years for the county unemployment rate to climb back to 12%... that means that there were no good paying jobs, and if you happened to find an opening there were at least 250 applicants per position. Did I rely on the government to pay me unemployment?... NO!!! I did whatever I could, deliver pizzas, take part time jobs at retail clothing stores, at one point as a last ditch effort to try to save our house I even joined the army. (that didn't work out because I found out that I have a medical condition caused by the hard physical labor I had done building R.V.'S)...

After all this time I have finally found a job that pays a fair wage ($12 per hour) and my wife and I are finally starting to get back on our feet... (that's right, My Wife is still with me. Do you think that if you lost everything, your wife would stick by your side OHRoadwarrior?)

it has been a long and very tiresome road, but I thank God for it. I feel that through all of this I have learned what is truly important... I guess that I can't be mad at you OHRoadwarrior, because if this hadn't happened to me, I might be a judgmental douche just like you.

 

[Zigner]

Did I rely on the government to pay me unemployment?... NO!!!

It is unfortunate that you hold the (incorrect) belief that unemployment is a form of welfare. It is not. You may have had the option to supplement your lost income with unemployment, even while working other (presumably) lower paying jobs.

 

[justalayman]

You're from a very north and kind of central county, aren't you? Like maybe one Obama visited and it made national news as having the fastest or greatest rise in unemployment ( or something similar regarding the numbers) in the entire country, aren't you?


If so, I completely understand what you are talking about. I am quite familiar with that area. There was a huge number of businesses that simply closed their doors and and many that made such extreme cutbacks there were left with little more than skeleton crews. Don't let ohioroadwarriir get to you about it. You were one of thousands, if not 10's of thousands that suffered through that

 

[justalayman]

It is unfortunate that you hold the (incorrect) belief that unemployment is a form of welfare. It is not. You may have had the option to supplement your lost income with unemployment, even while working other (presumably) lower paying jobs.

If op is from where I think he is from, there were no jobs to be
He had at any pay rate. It was an extreme situation

 

[DonCram]

It is unfortunate that you hold the (incorrect) belief that unemployment is a form of welfare. It is not. You may have had the option to supplement your lost income with unemployment, even while working other (presumably) lower paying jobs.

When I watch my neighbors sit on their butts through 2 years of unemployment extensions and refuse to get a job because it doesn't pay as well as the unemployment, yes it feels a lot like welfare to me.

Sorry Zigner, I don't vote Democrat, I don't take handouts, and I don't expect anyone else to take care of me!

 

[DonCram]

You're from a very north and kind of central county, aren't you? Like maybe one Obama visited and it made national news as having the fastest or greatest rise in unemployment ( or something similar regarding the numbers) in the entire country, aren't you?


If so, I completely understand what you are talking about. I am quite familiar with that area. There was a huge number of businesses that simply closed their doors and and many that made such extreme cutbacks there were left with little more than skeleton crews. Don't let ohioroadwarriir get to you about it. You were one of thousands, if not 10's of thousands that suffered through that

Yes I am from Elkhart, Indiana... The R.V. capital of the world. and yes Obama visited here 3 times while he was campaigning.

 

[Zigner]

When I watch my neighbors sit on their butts through 2 years of unemployment extensions and refuse to get a job because it doesn't pay as well as the unemployment, yes it feels a lot like welfare to me.

Sorry Zigner, I don't vote Democrat, I don't take handouts, and I don't expect anyone else to take care of me!

Again, I'm sorry that you hold the erroneous belief that it is a handout. It, quite simply, is not. I won't go any further with this as it is largely irrelevant since you can't turn back time.