Repossession

[Spatz]

What is the name of your state? Texas


I own a one acre tract of land that I am owner financing for a man. He financed a mobile home from Greenpoint Credit and put it on the land. He has abandoned the mobile home and is no where to be found. I am sure they will want to reposses it. I have not called them at this point as I am afraid they will try and make me pay for it. I do not want the home nor can I pay for it, I am disabled and on a fixed income. So my question is rather strange, but here goes, how much damage can they do to the property in order to remove the mobile home? It would be impossible to pull the mobile home out the same way it came in. They would have to cut down a lot of trees and destroy alot of landscaping. Thanks for the help.

 

[treefon]

Are you getting paid?

The mobile home company can't make you pay for the mobile home since it is not your debt. Unless you co-signed for it.

Is this person in default on your loan as well? If so, immediately foreclose on his loan and reclaim the lot. This way if the mobile home company damages the property in removing the mobile home you have legal recourse against them. Otherwise your only recourse for damages (if the property is not in in your name) is the guy who "runnd-oft" on you. Because he would be responsible for the condition of the property when you reclaim it.

Good luck.

 

[treefon]

Lien Possible

Greenpoint might place a lien on the property if they don't repossess the mobile home. I am not sure if they can do that if the lot has already been foreclosed on and is in your name before they file their paperwork. You'll need an attorney to foreclose anyway so ask about that when you go in, tomorrow.

 

[Spatz]

The land is in my name and is paid for. No, I am not receiving any money from the man I owner financed the lot for. No, my name is not on the loan with Greenpoint for the mobile home. My main concern is that they don't come in a destroy my trees while trying to get it out. They barely got it in five years ago and the trees have grown substantially since then. Plus I made the man plant two trees for every tree he cut down while moving the home in. Yes, I am a tree hugger. Thanks for the help.

P.S. I do not understand your "runnd oft" comment. Is this in reference to my grammar or are you assuming he and I were in a relationship?

 

[treefon]

Runnd Oft

The poor grammar was in reference to a scene in O Brother Where Art Thou, no slight intended to you whatsoever. Refers to people running off on their responsibilities.

Trees are a different issue. I would contact Greenpoint via certified letter and tell them to come and get the home, but mention they will be responsible for replacing and repairing the trees and landscaping they destroy in the process. Take before and after photographs and be prepared to go to small claims court if they refuse to pay for the damages. It all depends on their honesty.