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ferdilverdil

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  1. This land isn't worth anywhere near that $60k, unfortunately. The property in AZ, from what an area realtor said, would list at $10k-13k each, but would most likely sell for less. In this market wouldn't sell now, maybe a year or so he thought. Another realtor offered to pay off the lien + $500 if we werent interested in redeeming the property. Decided to go ahead and try to save the land, sent a check out yesterday. Guess we'll wait a bit before consulting a lawyer, not in a rush now to transfer ownership. As long as the property is safe.
  2. The house my parents owned was transfered into my mothers name shortly before his death. Other then that there was nothing, except some CC debt. No will, no probate, no assets, except this land in AZ, which was almost forgotten about. I guess you're right about the lawyer, was trying to avoid it, but may be necessary.
  3. I just read somewhere that a spouse can get a copy of decedant's CR by requesting it in writing , I assume along with a copy of a death cert. So if a spouse can pull it, wouldn't CAs OCs JDBs be able to as well?
  4. Does anyone know if a tax lien will show up on a CR if the property owner is deceased? Trying to decide if I should pay off a tax lien that is about to go to foreclosure in days. There are 4 CA's looking to settle CC debt. My intention would be to hold the property long enough to either have enough to pay off the debt AND make a profit, or hold it long enough so the CAs stop trying to collect- after the SOL runs out. -thats a long way off though. If i pay off the lien and the CAs immediately jump on the property- I can't pay them off, or maybe just barely if it's sold now.
  5. Once paid, would the tax lien be reported to his CR (if it hasn't been already)? Does info get reported after death?
  6. If information is reported to the CRAs for a deceased person, what info is sent? Is it the same info as a living person?
  7. After my father's death I ran my mother's CRs with no problem. I also tried to run his report since some of his accounts which were then deliquent, were effecting her account as she was an AU. I was not able to run his reports. Is that because after your death, there is no more CR for you? I'm trying to find out because a tax lien was recently placed on property we just found that my father owned out of state. According to the CIC, tax liens stay on your CR for 7 years after they are paid. If we pay the lien off to stop foreclosure, will this bring attention to any CAs? Are they still able to run his CR? Can the force the sale of the property if they find it? Or can they just put a lien on it? I was told by an area realtor it would be better to wait and sell the property in a few years then to try to do it now. Once sold, if it went for what the realtor said other pieces in the area usually list for, we could pay off the debt. But if we can't wait, and sell it just for enough to cover the debt, then it wouldn't be worth paying off the lien.
  8. My father passed away a year ago leaving behind 4 credit cards with balances. The accounts are all in the hands of CA's who have been hounding my mother for the debt although she was only an AU, so we were fighting them based on that and the fact that there was no money left to pay this debt, and no estate, or so we thought... I just found out that my father owned some land out of state, but he had let the taxes go deliquent many many years ago (1986). It turns out a tax lien was bought in 88 at the county's tax lien sale. The investors could foreclose after 3 years which they never did, although I just found out from the county's treasurer's office they are in the process of doing so now. If we want to save the property from being foreclosed on we have to send the county a check and an affidavit of redemption BEFORE the judge signs the judgment. We don't have much time to act here. If we do that, and bring the taxes current and pay off the lien holder (actually the county pays off the lien holder from the payment we would send in), then the CA's or OC's would have assets of my father's to go after. IF we just keep paying the taxes and don't transfer ownership of the property until the SOL is up what are the chances this property might be discovered? And which state's SOL do we go by for the debt? Where my father lived? Or where the land he owns is?
  9. I just found out that my father owned some land out of state, but he had let the taxes go deliquent many many years ago (1986). It turns out a tax lien was bought in 88 at the county's tax lien sale. The investors could foreclose after 3 years which they never did, although I just found out from the county's treasurer's office they are in the process of doing so now. If we want to save the property from being foreclosed on we have to send the county a check and an affidavit of redemption BEFORE the judge signs the judgment. We don't have much time to act here. If we do that, and bring the taxes current and pay off the lien holder (actually the county pays off the lien holder from the payment we would send in), then the CA's or OC's would have assets of my father's to go after. IF we just keep paying the taxes and don't transfer ownership of the property until the SOL is up what are the chances this property might be discovered? And which state's SOL do we go by for the debt? Where my father lived? Or where the land he owns is?
  10. That is what I initially thought, and that's the impression you get from the infomercials they have on tv. However, what happens is after they purchase the tax lien, they now have the 1st lien on the property should it be sold. They also have the right to foreclose after a certain period of time which I suppose varies in each state. Arizona is 3 years.
  11. Property my father owned in Arizona was recently sold at a tax lien sale. Any suggestions on how to proceed to get back the property? Are you stuck paying the total + interest +fees+ penalties? Or is there any hope of settling for less? Any chance the lien holder will sell it back for what they paid for the lien or close to it? I believe the lien sale was less then a month ago.
  12. Since I'm doing this on behalf of my mother, who has a hard time hanging up on telemarketers, let alone not talking to CAs who call. Should I incorporate a CD notice into my letter? Here's what I was thinking... To Whom It May Concern: This letter is being sent to you in response to a recent notice sent to me. Be advised that the account referenced is not mine, there is no estate and no assets were left to pay for this debt. I am not responsible for the debts of others, and therefore I will not pay for this debt. REQUEST FOR CEASE AND DESIST OF CONTACT BY YOUR OFFICE: I would also like to request, in writing, no further contact, either in writing or telephone be made by your offices to my home or to my place of employment, unless it is to provide validation or release of liability of the debt. If your offices attempt telephone communication with me, including but not limited to computer generated calls and calls or correspondence sent to or with any third parties, it will be considered harassment and I will have no choice but to file suit. It would be advisable that you assure that your records are in order before I am forced to take legal action. This is an attempt to correct your records, any information obtained shall be used for that purpose. Your prompt attention is appreciated in clearing up this matter.
  13. ING Direct, and as far as I know, all other internet banks are linked to an existing checking account. Doesn't that make them vulnerable to being found assuming the original checking account is discovered?
  14. I used to have the task of overseeing the auction process for a self storage company. In doing so I would mail out certified letters, return receipt requested. Most people only sign and dont print their name or put the date. This is OK, as long as you get the green card back as proof of delivery, since it will have the date it was mailed stamped on it.
  15. Out of curiousity, I know you can get a free copy of credit reports once a year, which we did in October. What is the cost for others?
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