Home Owner's Association - Past dues.

[awayalways]

I was in the same situation as the OP. I am 2-1/2 years behind on my HOA dues because the lender still has not foreclosed. so I personally filed a Quit Claim Deed with the florida county clerk deeding the home to DH after my BK discharge. The clerk registered it as a Quit Claim for $20 and my name was taken off the deed. Dont know what may happen in the future but for now the HOA bills only have DH's name on them.

[DeadManCrawling]

Was it 2 1/2 years since you made a mortgage payment as well? That is a very long time for foreclosure, even by slow standards.

Just curious, and thank you.

[awayalways]

Was it 2 1/2 years since you made a mortgage payment as well? That is a very long time for foreclosure, even by slow standards.

Just curious, and thank you.

Yes, no house payments, no HOA payments for 2-1/2 years so far. Still no foreclosure. I finally qualified for a USDA mortgage and purchased another house in March 2009. So Im going to rent the other house out as a pre-foreclosure home on a month to month basis until its gone. I will start a new post with all the details after this whole ordeal is over.

[HHM]

Yes, no house payments, no HOA payments for 2-1/2 years so far. Still no foreclosure. I finally qualified for a USDA mortgage and purchased another house in March 2009. So Im going to rent the other house out as a pre-foreclosure home on a month to month basis until its gone. I will start a new post with all the details after this whole ordeal is over.

That is just crazy. Seems like your mortgage simply fell through the cracks.

[denisejohn65]

That is a very long time to forclose! My condo is in Colorado...but the mort company is in FL... I just missed my first pymt this June 09. OMG...please tell I won't have to wait to forclose that long????

[awayalways]

That is just crazy. Seems like your mortgage simply fell through the cracks.

The Lenders attorney moved twice for summary judgment but I filed my BK7 right before the hearing and then DH filed before the 2nd hearing. So its taking a little longer to foreclose. I just wanted to hang onto the house until I could get a new home.

[moneytrouble]

Yes you will have to wait a long time. Life stinks and so does this Chapter 7 and surrendering your home process. I have not made a payment since December of 08, and it was a partial payment. I have informed them by phone and online that I have moved out in May. Both times they stated they would note my account and thats it. Still no foreclosure. I told them I would send a certified letter, but they basically said "What is that going to do? We already noted your account." So however long they take, we are stuck paying HOAs. Last year they started foreclosure proceedings after the 4th month of non-payment. This year it has been 7 months and nothing.

[moneytrouble]

In response to awayalways statement, does anyone know if registering a quit claim deed with the city clerk actually works? I thought the bank had to approve and sign it also. How can you just walk away from a deed?

[awayalways]

That is a very long time to forclose! My condo is in Colorado...but the mort company is in FL... I just missed my first pymt this June 09. OMG...please tell I won't have to wait to forclose that long????

Im not sure about Colorado foreclosures but in Florida it always goes through the courts. So I did everything I could think of to hang on to the house until I could get a new house. Im sure you can speed things up if you want to.

[awayalways]

In response to awayalways statement, does anyone know if registering a quit claim deed with the city clerk actually works? I thought the bank had to approve and sign it also. How can you just walk away from a deed?

In my case I quit calimed to DH. He is the owner of the property until the foreclosure.

[moneytrouble]

Who is he DH? The mortgage company?

[denisejohn65]

Yes...who is DH?

[BKOnce]

DH = dear husband, DW = wife, DS = son, DD = daughter, DA = Adopted, etc