For the last few years, a woman in Georgia has been living in her condo and paying her local tax bills — except for one $94.85 city tax bill she never received because the address on the notices was incorrect. But that error didn’t stop the city from auctioning off her home. [More]
Here in Philadelphia, buildings with multiple apartments must hire private trash collectors to haul away residents’ garbage or face fines. But one family says it’s been having a dilly of a time trying to convince the city that they are the only tenants of the building and that they shouldn’t face a lien over $1,197 in fines that should never have been assessed. [More]
We’ve written several articles over the years about how a small unpaid property tax or public utility bill can result in homeowners losing their homes to foreclosure, but a new investigative report from the Washington Post shows how systemic ineptitude in Washington, D.C., city offices has repeatedly left homeowners fighting against liens that shouldn’t exist in the first place. [More]
Philadelphia Gas Works apparently doesn’t care who you if you’re not paying your utility bill. Just ask Philadelphia Mayor Michael “Yes My Last Name Is Actually” Nutter, who saw PGW place a lien on his home after his gas bill apparently went unpaid. [More]
Every day, people in America get married. Some of them change their last names. Evidently, though, no one in the history of Chase Bank has ever done this while they were in the middle of paying off their car loan. See, until the loan is paid, the bank has a lien on your car’s title. If you want to change the name on your car title and the loan hasn’t been paid off yet, Chase won’t let that happen. This isn’t a problem unless you have to move and register your car in a different state after your name change but before the car is paid off. That’s what happened to Michael’s wife, and how she ended up in a loop of bureaucracy sending them back and forth from Chase to the Maryland Vehicle Administration.
When you’re buying a home, you fork over some cash to pay for title insurance to cover your butt in case there are any existing liens on the property. But what do you do when your home ends up in foreclosure because the company that’s supposed to be providing that insurance screws up royally and then tells you not to file a claim?
At first, this woman thought her used car, financed through Wells Fargo, had been jacked from the front of her house. She reported the car as stolen and filed a claim. It was a bummer because she had been only two years away from paying off the five year loan. Then she got a call from Chase Auto Finance who said they had repo’d the car because the previous owner didn’t finish his payments. Whoops! Chase had taken the car without securing a lien on the title!
Repossessing a car or mobile home is one thing, but a furnace?
Feuds between homeowners and homeowners’ associations can get pretty intense, as BoingBoing pointed out twice last week. One feud in Ogden, NC, was so bad that the man’s house was sold by the court to pay for dues and fines levied by the association. The house was sold earlier this summer, reports the Star-News, and last month the man doused everything in gas and set the place on fire.
The Aqua Pool & Spa company in California had been building pools for over 20 years and had built up a good reputation, but after a bank went under and called in a $3 million loan, the company abruptly laid off everyone last week and shut its doors. Now everyone who was in the process of getting a pool built is stuck with torn up yards and half-finished pools. What’s worse, subcontractors are now dunning those customers for payment for services or supplies, even when the homeowners already paid (through Aqua Pool & Spa) months earlier.
Terry Hoskins, the guy in Ohio who bulldozed his home earlier this month to prevent it from being taken back and auctioned off by his bank, is now the subject of a song. Someone else made t-shirts and caps–they feature a bright yellow bulldozer and the words, “Take ‘Er Down”–that are being sold to raise money for him. WLWT says Hoskins didn’t break any laws by dozing the home, but as he puts it, “I still have a mortgage of ($160,000). I still (have) to pay that.”
A man in Ohio grew so angry at his bank for refusing to work with him to keep his home that he bulldozed it. He told WLWT News, “As far as what the bank is going to get, I plan on giving them back what was on this hill exactly (as) it was. I brought it out of the ground and I plan on putting it back in the ground.”
Maybe there are no more debtors’ prisons, but that doesn’t mean your life can’t be screwed up by unscrupulous collection agencies.
The photo at left is an actual photo of the damage done to this lady’s hair and head. Lane writes:
I’m sure you get hundreds of complaints about salons, but have any of the salon owners in question put a lien on the car of the injured party? Mine has.
Last week we wrote about how if your contractor doesn’t pay his sub-contractors, you can find them coming after the value of your house, a process called a mechanic’s lien.