Hi everyone. We will be walking out of our house shortly in CA. I am selling everything that can be remove and one of the item is the garage door which I paid for about over two years ago. Is there any legal issure with the bank after we walk out?
Thanks
On the slight chance this isn't a troll, yes, there is an issue. Anything attached to the house is considered a fixture, part of the real property, and belongs to the lien holder. If you added an electric opener, you might be able to take that, but to leave a gaping opening will no doubt piss off the bank, and could make them more likely to remember to totally trash your credit for walking away. If you HAVE to walk away from the house, best to be up-front about it with the bank, keep them informed of the schedule, leave the place clean and lockable, and drop off the keys on the way out of town. Ask them what they want you to do with the utilities- switch them off, or let the bank switch the billing to their in-house or outsourced people that take care of bank-owned properties. If you live where it freezes, and you turn off the heat, and the pipes burst and cause a flood, the bank will not be happy.
-- aem sends...
Why not ask the bank or your lawyer? Will you be putting back the door that was there when you moved in? Will you also be taking any roof shingles, bathroom tiles, or plumbing fixtures that you might have replaced during your stay in the house?
Folks, I think this is a good example of why trying to make everybody a home "owner" was such a bad idea.
Yes, as best it would be negligence on your part to leave the opening. Could be much worse so consult a lawyer before you take the door. For the few buck you may get, a law suit or even a criminal charge is not worth it.
A garage door is not personal property once it is attached to the house. Some non-permanent fixtures like drapes can be removed with approval of the owner but I'm sure you would be liable if you removed the garage door.
why would you put on a garage door if you can't pay the mortgage. mortgage comes first.
My thoughts too. "Walking out" also does not dismiss debts like mortgage, home loans or liens.
Thanks, everyone for your input. It's not for a few bucks, nor do we care of our credit either. Before we decided to walk out, we tried to talk to the bank, they either are not interested or do they care. They make it impossible to communicate with them. So why should we care now? Don't forget they are making tons of $$$$ and paying off the TARP so their Managers or whatever get huge bonuses and the Obama's administration is full of Wall Streets greedy lobbyists and tax cheaters. Where are the CHANGES?
My legal advice would be to see a professional. [lawyer- not psychiatrist, necessarily]
It could turn out ok if the bank has been as uncooperative as you say. Hopefully you'll get a judge as agreeable as this one on Long Island, NY-
Sent me to the dictionary- but they are all in there.
You've got a hard row to hoe no matter what you do. don't make it worse and go on advice you get on Usenet. If you can't afford a lawyer find out how to get free *real* legal advice. It is out there.
Jim
Steve wrote in news: snipped-for-privacy@mid.individual.net:
I totally remodeled the house I am in. If I were in your shoes can I take?:
The exterior paint trimboards roof vents lattice
4x4 posts interior paint interior lights two prehung entry doors carpet vinyl tiles ac unit furnace ductwork wiring outlets bathroom ceiling dishwasher garbage disposal drainpipes for all sinks sink fixtures ...plenty moreHow is this any different than garage doors?
How old are you?!
You say you don't care about your credit, so where are you planning on living after you leave. Your credit rating dictates everything from the cost of your car insurance, acceptance by a landlord for rental or any future mortgages.
Not old enough to own a house apparently.
Might change when folks carry only affordable debt and don't buy doors for homes they can't afford to pay for.
President O Debacle wrote in news:4b2576bf$0$8234$ snipped-for-privacy@read01.usenetall.se:
Very good point.
Wonder if it was put on plastic that was also defaulted on.
ACORN may be able to help.
Don't potential employers also run credit checks and such?
is this a great country or what?
THe only thing I see a problem with you taking is the bathroom ceiling and the plenty more. I don't have any of them plenty mores. Were they expensive?
On the other hand, if you have installed the rest of those items then you just screwed the pooch. They'll have to stay along with the plenty mores.
Are those plenty mores available in different colors?
Gordon Shumway
Our Constitution needs to be used less as a shield for the guilty and more as a sword for the victim.
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