foreclosure, homeless and estate issues

[groze]

I hope you can understand this. This is complicated. This is a long post.

 

My mother died in May 2017. I am writing this because I need some advice on what to do. My mom died without a will. I also have a disability. The house has been discharged under the old bankruptcy law & no refinance was done. Internal sam mortgage modification was done last year(2016).

 

So, I went to a local attorney for a free consultation. He told me not to open up my mothers estate because she was insolvent & had no other assets beside the house. So there is no administrator & no probate hearing was done. The house value is worth less. He told me I could live here tell it is foreclosed on. He said I could open up all mail & letter address to the estate or her, since I am next of kin. One thing he forgot. Is section 8 or hud housing takes up to 18 months & some landlords require credit checks which is causing some issues for me. There is small chance I could get one by October..

 

I talked to another attorney on the phone, he basically told me everything I could do to delay the foreclosure. He wasn’t pro bono. He said trying sending hardship request to Ocwen asking for a delay because of my disability & heart issues. The courts would see that you tried to do something, even though it may have been denied. I was asking this because of the phone call I got from Ocwen saying they would help me. There the ones that actually brought it up, that could possible forgive the mortgage or write it off, if not they could help me move. According to letters address to the estate, they cannot do it or extend the time of the foreclosure do to contract reasons. They also claim they would add attorney fees to the estate. Which is kind of dumb, they eventually going write off the debt eventually anyway. Let say they fix the place up & for some reason they make a profit. I would be entitled as next of kin to the profit minus there legal fees. This again was according to phone attorney,

 

I would hire a lawyer but I can’t afford one. I did find out that I could get a court appointed attorney at no cost to sue if I wanted to. I am not sure about Federal Court though.

 

Along the process I found out, my mother mortgage may be predatory. New Century Montage was the original mortgagee . I read the wikipedia site. If that wikipedia is accurate and from another site I read. The estate could be entitled to all payments made plus double the interest paid.

 

In Indiana, the bank will have to open up the estate & notify the next of kin about the hearing, That is the law. This is when I will ask to for a court appointed attorney & administrator that is independent from the bank. Can you counter sue at the estate hearing & Should I file a claim then & should I ask for a delay of the foreclosure at that hearing? Should I ask for a hardship delay?

 

 

The phone attorney said, not to pay them because it would make me responsible for her debt.

 

 

Should I contact U.S. bank trust department about my predatory mortgage claim before the foreclosure begins? I found out U.S. bank is the trustee to the mortgage. Should I asked them for hardship help?

 

I get Social Security Disability but it is a lot lower then a normal person would get.

 

Since, I get Social Security disability, should I have kept paying Ocwen until I got an apartment, If yes, can I sue the attorney for bad advice because it could cause me to possibly become homeless & possibly die to do my heart issues. I have chronic afib & possible heart failure,

 

Yes, I tried legal aid. I can't get in until after the foreclosure will start & I don't know if he even does this type of claim.

 

I was even willing to give them deed in lieu of foreclosure if they would give me up to 18 months to get an apartment. I would stay here till I found an apartment that I could afford.

 

I think I could live in a hotel room for awhile but that would be costly & use most of my check. I would have to put stuff in storage.

 

I have credit card issues as well, but with the new regulation it prevents the bank from freezing the checking account if protected funds are in the checking account. I am not worried about it.

 

Thank You for any advice in advance.

Edited August 20, 2017 by groze

[DollarDog]

I'm sorry you lost your mother.

 

Talk to your case worker to get legal assistance. Inheriting an asset will affect your disability benefits.

[groze]

DollarDog, I don't know what assets has to do with any of my questions. I didn't write a lengthy post to be told to see a case worker for legal assistance. There is no case worker & never was. I get SSDI not SSI. You are sort of wrong on the SSI assets its complicated to explain-short reason is they allow you time to spend the assets & allow you to keep the house. The only thing SSDI counts is earned income under retirement age, & certain type of pensions All other unearned income is not counted. One exception if your unearned income is over a certain amount, they will charge you a higher Medicare monthly Premium for a year, then it will go back to the normal rate.

 

If you read my post. You would of known, my mom had no assets except the house. The house value is way less then the mortgage including after the sam inhouse modification & she didn't re-instate the debt. I am not on the title.

 

People please stick to answering my question thank you. I am 49 years old.

 

 

One additional thing, I just found out that Ocwen didn't inform my mom of The Mortgage Forgiveness Debt Relief Act when applying for assistance in 2015-2016. It also been extended to the end of this year(2017) I believe,

Edited August 21, 2017 by groze

[ICANHASMUNY?]

http://www.indianalegalservices.org/

 

Indiana Legal Services, Inc. (ILS) is a nonprofit law firm that provides free civil legal assistance to eligible low-income residents throughout the state of Indiana.

 

Indiana state bar association Pro bono services

 

http://www.in.gov/judiciary/selfservice/files/selfservice-probono-district-contact-info.pdf

 

http://www.inbar.org/?page=local_bars

[Kuuner]

No one is going to forgive the loan and no one is going to let you stay there and no, no bank has to "open the estate" to notice the heirs. All they have to do is send a letter "To the estate of..." and start the foreclosure.

 

You have right under the CFPB successor's in interest but with those rights comes responsibilities. If you can't or won't continue to service the debt (That is not yours), they will foreclose. You may be able to do a loan modification even though you aren't the borrower but again, that's dependent on YOU taking necessary steps to do so. I would suggest you start researching "Successor in interest" rules with the CFPB and go from there.

 

Regarding the predatory allegations...yeah...ok. I suspect that any lender/bank/servicer in business today has had enough litigation to launch a sufficient defense to predatory lending allegations. New Century was the biggest subprime lender out there but that doesn't mean the loan was predatory. It doesn't mean it isn't but I wouldn't put all of your effort into that rabbit hole of an allegation.

 

You appear to just want time to find a new place. Your situation sucks and sorry for your loss but I would focus on trying to stay with a loan mod and not go chasing the fleeting hope that someone at Ocwen cares you have a disability. Ocwen doesn't care and just being blunt here, there is no reason for them to care. They own a loan that has not been paid and the courts give them the right to foreclose. All of the disability...being intestate...and the other stuff is just superfluous. It doesn't negate that the mortgage hasn't been paid.

 

Finally, I'm hoping you misinterpreted what the phone attorney said because if they said that, they should lose their license. You can't be liable for a debt you didn't apply for by paying on it.

[groze]

Kuuner.

 

Thank you.

 

Why would Ocwen tell a disabled person on the phone will we work with you and told me not to worry you will be ok-they actually called me? In fact they are the ones that mentioned forgiving the debt or writing it off. If not, the claimed they would help me move.

 

You are incorrect about mortgages forgiving debt in hardship cases. Just do a search on google forgive mortgage debt. There was also mortgage debt forgiveness act.

 

I found out that the originally mortgage was closed for doing stuff illegally. Look at the New Century Mortgage Wikipedia page. My mom's mortgage maybe illegal and/or predatory..

 

 

All I am asking is time. They are still going to get the house & loose money eventually. I am still hopping for an apartments by Oct.

[Kuuner]

Kuuner.

 

Thank you.

 

Why would Ocwen tell a disabled person on the phone will we work with you and told me not to worry you will be ok-they actually called me? In fact they are the ones that mentioned forgiving the debt or writing it off. If not, the claimed they would help me move.

 

You are incorrect about mortgages forgiving debt in hardship cases. Just do a search on google forgive mortgage debt. There was also mortgage debt forgiveness act.

 

I found out that the originally mortgage was closed for doing stuff illegally. Look at the New Century Mortgage Wikipedia page. My mom's mortgage maybe illegal and/or predatory..

 

 

All I am asking is time. They are still going to get the house & loose money eventually. I am still hopping for an apartments by Oct.

I can't speak for Ocwen...just for servicers in general. Not saying that is the case here but in general, what the servicer says and what the borrower hears are often in conflict. It's not the borrowers fault. We use this language and have this conversation every single day. The borrower is in shock usually when they hear it for the first time in their lives, and aren't writing as fast as we talk so, again, while I'm not saying that is the case, I am saying maybe there is some misunderstanding going on between the two.

 

No one with a senior lien is going to forgive and write off a debt. No one...unless they are hoping you didn't catch their fraudulent loan. The mortgage debt forgiveness act has NOTHING to do with what we are talking about. Your misguided reference is exactly what I'm saying about you misunderstanding what we are talking about. The mortgage forgiveness debt relief act was for taxes on deficiencies on foreclosed properties. Nothing more. Nothing less. don't mix apples and oranges.

 

New Century was NOT closed for doing illegal loans. I'm sorry to spoil the fun but that's just bullcrap. I worked there. New Century was a $5 Billion dollar per month (In production) animal that got shut down due to margin calls on their crap loans. The investors called the notes due and they didn't have the money to pay the margin calls, and they filed bankruptcy. They were the tip of the iceberg for the meltdown but again, what you are saying or believing or interpreting is not what happened.

 

I'm on Wikipedia. I can guarantee what they wrote about me isn't true. Just because its on the internet doesn't mean it's true! I'm not trying to be a debbiedowner but you have to let go of this emotional endeavor and think about it from a practicality standpoint. Not an emotional standpoint. Apply for a loan mod. Read about successors in interest. Quit spinning your wheels on MERS and New Century. It's a losing battle. Take it from someone that has been foreclosing on property with situations just like yours, for the last 25 years. I always win with situations like yours. I'm not trying to be a jerk about it, I'm just trying to slap you into a sensible course of direction. If you want to stay, try and apply for a loan modification as a successor in interest. Its a federal rule. it's a protection you may be able to utilize if you quit focusing about your disability and the missing trust and stuff.

[groze]

Kuuner, I am sorry but I am not sure I can trust your advice now. I read about predatory mortgages online from bankrate & other reputable sites. I still believe she was a victim of a predatory mortgage and always will. She got a loan, she shouldn't have gotten through a mortgage broker. I do know this as a fact, the mortgage broker was shutdown for getting people loans they couldn't afford. How do I know, my mom was friend with a person who worked there, unfortunately, this friend passed away several years ago.

 

So, you think I should of keep paying on the house till I found the apartment. I would of paid but I took an advice of a local attorney not to do that & let the foreclosure. I can't come up with the money now. This reason I did, is the way I think. I went to the lawyer because of my disability. I think differently. I still can take care of a checking account, take myself, take care of the house. get groceries, do laundry, drive and sign some legal stuff. I am also dealing with my mother death on top of all this. I really hadn't have time to mourn. Yes, I applied for a least 2 place for hud. It takes awhile in most cases to get an apartment & some still require credit checks. I am sure the bank doesn't want a headline mortgage kicks a disabled resident out that. The lawyer, told me I could stay here until its foreclosed on, he claims it would take about a year. In the meantime, I contacted another attorney & he told me ways to several ways challenge it. I just got a response from U.S. bank there just the trustee, they don't own the trust. I contacted them again asking how to find out, who the note owner currently is. I am going to ask for a court appointed attorney at the hearing to appoint an administrator & ask for a delay. Under Indiana law, next of kin is required to be notified of that hearing, they have 30 days to reposed. Another reason he probably didn't mention succession, is that would make me responsible for the loan. The reason for that is then I couldn't get a hud or section 8 apartment ever.

 

I am not going to live much longer anyways with having chronic afib & heart failure. If I have to live in a crappy motel & pay for storage so be it. Its better then being homeless. You need to keep in mind, the house was never reinstated even with the sam modification. I am not on the title.

 

You also forgot the estate is insolvent. She owns no other assets. Any joint were put in my name only or closed down. The house is worth way less then mortgage, so there is going to be a loss there. Another words, they are eventually going to have to write off the debt anyways. Under Indiana law, let say they fix it up & sell it for a profit, which I doubt the will. Guess what as next-of-kin I get the profit minus any legal fees from the foreclosure.

 

I was and still am willing to give them deed in lieu of foreclosure if they give me time to get an hud apartment. I would still live here till I got an hud/section 8 apartment & I would keep the utilities on.

Edited August 22, 2017 by groze

[ICANHASMUNY?]

Have you contacted any of the legal aid site I posted?

 

please do that

[Kuuner]

Kuuner, I am sorry but I am not sure I can trust your advice now. I read about predatory mortgages online from bankrate & other reputable sites. I still believe she was a victim of a predatory mortgage and always will. She got a loan, she shouldn't have gotten through a mortgage broker. I do know this as a fact, the mortgage broker was shutdown for getting people loans they couldn't afford. How do I know, my mom was friend with a person who worked there, unfortunately, this friend passed away several years ago.

 

So, you think I should of keep paying on the house till I found the apartment. I would of paid but I took an advice of a local attorney not to do that & let the foreclosure. I can't come up with the money now. This reason I did, is the way I think. I went to the lawyer because of my disability. I think differently. I still can take care of a checking account, take myself, take care of the house. get groceries, do laundry, drive and sign some legal stuff. I am also dealing with my mother death on top of all this. I really hadn't have time to mourn. Yes, I applied for a least 2 place for hud. It takes awhile in most cases to get an apartment & some still require credit checks. I am sure the bank doesn't want a headline mortgage kicks a disabled resident out that. The lawyer, told me I could stay here until its foreclosed on, he claims it would take about a year. In the meantime, I contacted another attorney & he told me ways to several ways challenge it. I just got a response from U.S. bank there just the trustee, they don't own the trust. I contacted them again asking how to find out, who the note owner currently is. I am going to ask for a court appointed attorney at the hearing to appoint an administrator & ask for a delay. Under Indiana law, next of kin is required to be notified of that hearing, they have 30 days to reposed. Another reason he probably didn't mention succession, is that would make me responsible for the loan. The reason for that is then I couldn't get a hud or section 8 apartment ever.

 

I am not going to live much longer anyways with having chronic afib & heart failure. If I have to live in a crappy motel & pay for storage so be it. Its better then being homeless. You need to keep in mind, the house was never reinstated even with the sam modification. I am not on the title.

 

You also forgot the estate is insolvent. She owns no other assets. Any joint were put in my name only or closed down. The house is worth way less then mortgage, so there is going to be a loss there. Another words, they are eventually going to have to write off the debt anyways. Under Indiana law, let say they fix it up & sell it for a profit, which I doubt the will. Guess what as next-of-kin I get the profit minus any legal fees from the foreclosure.

 

I was and still am willing to give them deed in lieu of foreclosure if they give me time to get an hud apartment. I would still live here till I got an hud/section 8 apartment & I would keep the utilities on.

I'm not asking you to trust me or my advice. I read about predatory mortgage on line too! Not sure what that has to do with anything considering your situation. Too often people read something and think it applies to them and then spend all of their energy and money chasing a pipedream down a rabbit hole. Go for it if you think you have a case. I'm just cautioning you that there might not be gold at the end of that rainbow.

 

I promise you the bank doesn't care about a headline for kicking someone out. If you don't pay, they get to take the house. The days of news trucks standing in front of the headquarters of a bank for foreclosing are over. They are all over at Trumps house and Justin Beiber's house now, instead of your house. I get those threats daily. I find them almost amusing. I'm not discounting the fact that sometimes, people do wrong things but when I get a threat to "Bring the news" down on me, I simply ask them to spell my name right in the papers because, I don't foreclose until and unless I have my ducks in a row and have my paperwork all ready to go. Most institutions (99.99%) are in the same boat so...good luck with that.

 

Another fact that you have mixed up is...they don't have to give you any "profit" if they foreclose, then fix it up and resell it. If the lender takes it back because no one else bid, it's theirs to do with what they want. Clarifying your continued misunderstanding of how it works....IF the lender forecloses and IF someone else besides the lender bids and IF the bids are in excess of ALL costs of the loan, THEN surviving heirs or the estate would get those excess proceeds. Per your own statements, it's not worth what the loan is so, that fantastical scenario of yours doesn't have a lot of validity to it.

 

My suggestion would be to go look for an apartment during the time you have left and quit spinning your wheels on this merrygoround. If you don't have long to live, don't you think you should try to enjoy what time you do have left instead of working yourself up into a frenzy over your gross misunderstanding of how the process works?

 

Just a thought.

[groze]

Have you contacted any of the legal aid site I posted?

 

please do that

 

Thank You. Yes, I have. I don't see that lawyer until Oct 3, 2017 after the pre-foreclosure starts. I don't know if he does this. As I said above, I talked to 2 lawyers & cpa all free consultations by phone or in person. That were I am getting my advice from. When the estate gets that fake pre-foreclosure notice. Do I need to respond to that? or Do I need to wait on Ocwen to open up the estate to select the administrator for the insolvent estate? There suppose to under Indiana law notify the next-of-kin about the estate hearing to choose administrator. I will be offered to be an administrator but I am not going to do, do to my disability but I will ask for an Independent administrator to investigate the predatory mortgage claim my mom wanted me to pursue. Also. during the process trying to get help or a delay. I found out its not owned by Ocwen or even by U.S. bank. U.S. bank is just the trustee who holds the note. They just said the trust is the actual owner. I can't find out who actually owns the trust. They won't tell me. New Century mortgage was closed down for allegedly doing stuff. So, they don't own it. There is at least two ways I could go about it. This is why I came back credit boards. 1st way is challenge the mortgage as illegal (Predatory mortgage). Second way is to prove they didn't transfer the loan properly. All lawyers have said Predatory mortgage is a good foreclosure defense. Which should I do or could I do both?

 

I read something about Hud, maybe I can get hud foreclosure reinstatement to start paying again at the normal $3xx.00 if it won't make me responsible for my moms debt. I am checking into that as well.

 

What kuurner doesn't get. I need time to move & find a place. & I want honor my mom wishes even if I move.

[groze]

Kuuner,

 

A little off topic post.

 

Just some friendly advice. You don't tell someone who just lost their mother & is poor to enjoy life that just common sense. I lost my purpose in life-my mom.

 

If you are wondering how I am affording the internet, I canceled the tv part of my service. I have internet only.

[Kuuner]

Kuuner,

 

A little off topic post.

 

Just some friendly advice. You don't tell someone who just lost their mother & is poor to enjoy life that just common sense. I lost my purpose in life-my mom.

 

If you are wondering how I am affording the internet, I canceled the tv part of my service. I have internet only.

I'm not trying to be a jerk. I'm just blunt. I'm not just saying enjoy life. I'm saying if you don't have long, (as you stated) maybe you should focus your time that you have left on someone or something more positive. I've been doing what I do for 25 years and I've seen way too many times, people in similar situations, spend their last days chasing a rabbit down a hole that would have been better spent putting their affairs in order. Watching a sunset. Making someone else smile.

 

You don't have the time, the support, the money, or anything else needed to fight this. You might have a clear cut and compelling and convincing case. You might but...is this what you want to do for the time you have left? Really? yeah...I get that you just want time but it sounds like even you acknowledge, that isn't a luxury you have.

[groze]

Kunner, I also read where people have won as well. Not just a small amount. Yes, its worth my time & it will honor my mom wishes. I do not want to sit around twiddling my thumbs. If something happens to me along the way death or medical issue that require me to stay in a nursing home permanently, I have the pro-bono attorney continue the case and winnings will be donated to a no kill shelter that has low funds minus hes/hers fees. It won't be me donating it, it would be the estate.

 

You also forgot one thing. CFPB & Florida attorney is suing Ocwen for all things illegal foreclosures. I am actually surprised the courts haven't ordered Ocwen to stop all foreclosures that are new or in process till after the case is heard. Technically, the estate could be part of this, under an old foreclosure we had done but was settled.

 

I actually blame Ocwen & the first attorney for giving me bad advice. The Attorney should of told me to pay for house until I got an apartment. Ocwen shouldn't of told me they could forgive mortgages or help a disabled person out. Ocwen for some stupid reason can't get in through there heard. There is no estate, no probate, no successor of interest, no affidavit, no will, no administrator to her estate. They keep asking for someone in charge. Indiana law says the next-of-kin is automatically the administrator but Ocwen doesn't recognize me as one. That fine. They have no one to sue. It will force them to follow Indiana estate law, which will delay it 30 days unless they do something illegal. Ocwen will have to have a hearing to open up the estate. The next-of-kin will be notified of that hearing Indiana law and be offered to be the administrator, I would tell them no, the estate is insolvent but I would like an independent administrator to investigate my claims. Then the next after that done, is a mandatory settlement conference with the mortgage company. The mortgage company or its rep is the only one that has to attend. It a new Indiana law according to local news.

 

The also sent a letter to the estate, saying hud could help. How could hud help prevent an estate foreclosure, when the estate has no one in charge?

 

Is a notice of default still valid if there is no one in charge to handle the estate?

[Kuuner]

Kunner, I also read where people have won as well. Not just a small amount. Yes, its worth my time & it will honor my mom wishes. I do not want to sit around twiddling my thumbs. If something happens to me along the way death or medical issue that require me to stay in a nursing home permanently, I have the pro-bono attorney continue the case and winnings will be donated to a no kill shelter that has low funds minus hes/hers fees. It won't be me donating it, it would be the estate.

 

You also forgot one thing. CFPB & Florida attorney is suing Ocwen for all things illegal foreclosures. I am actually surprised the courts haven't ordered Ocwen to stop all foreclosures that are new or in process till after the case is heard. Technically, the estate could be part of this, under an old foreclosure we had done but was settled.

 

I actually blame Ocwen & the first attorney for giving me bad advice. The Attorney should of told me to pay for house until I got an apartment. Ocwen shouldn't of told me they could forgive mortgages or help a disabled person out. Ocwen for some stupid reason can't get in through there heard. There is no estate, no probate, no successor of interest, no affidavit, no will, no administrator to her estate. They keep asking for someone in charge. Indiana law says the next-of-kin is automatically the administrator but Ocwen doesn't recognize me as one. That fine. They have no one to sue. It will force them to follow Indiana estate law, which will delay it 30 days unless they do something illegal. Ocwen will have to have a hearing to open up the estate. The next-of-kin will be notified of that hearing Indiana law and be offered to be the administrator, I would tell them no, the estate is insolvent but I would like an independent administrator to investigate my claims. Then the next after that done, is a mandatory settlement conference with the mortgage company. The mortgage company or its rep is the only one that has to attend. It a new Indiana law according to local news.

 

The also sent a letter to the estate, saying hud could help. How could hud help prevent an estate foreclosure, when the estate has no one in charge?

 

Is a notice of default still valid if there is no one in charge to handle the estate?

Well...you are on your mission so, no use trying to talk any sense in to you. Good luck with your efforts.

[groze]

Kunner,

 

I just got a message from an attorney. After the default notice, it will take 5 months before I have to be out of here, So, I still have time to get a place. That is a relief. Hopefully, I can delay it even further, Hopefully, I will get a place to live by then.

 

 

On another note.

 

What Happens to the Proceeds From Sale
If the personal representative is able to sell the property prior to foreclosure, expenses of administering the property and the expenses of sale are paid before the secured creditor. If encumbered property is sold, the application of the purchase money shall be applied in the following order: (1) expenses of administration which are reasonably related to the administration of the property sold; (2) the payment of the expenses of the sale; (3) the payment and satisfaction of the amount secured by the lien on the property sold if payment and satisfaction of the lien is required under the terms of the sale. Any amounts remaining after payment to the lender to satisfy the mortgage will go to the estate.

 

 

Told you so.

 

 

Dose anyone else know this answer?

 

Is a notice of default still valid if there is no one in charge to handle the estate?

Edited August 30, 2017 by groze

[Kuuner]

Kunner,

 

I just got a message from an attorney. After the default notice, it will take 5 months before I have to be out of here, So, I still have time to get a place. That is a relief. Hopefully, I can delay it even further, Hopefully, I will get a place to live by then.

 

 

On another note.

 

What Happens to the Proceeds From Sale

If the personal representative is able to sell the property prior to foreclosure, expenses of administering the property and the expenses of sale are paid before the secured creditor. If encumbered property is sold, the application of the purchase money shall be applied in the following order: (1) expenses of administration which are reasonably related to the administration of the property sold; (2) the payment of the expenses of the sale; (3) the payment and satisfaction of the amount secured by the lien on the property sold if payment and satisfaction of the lien is required under the terms of the sale. Any amounts remaining after payment to the lender to satisfy the mortgage will go to the estate.

 

 

Told you so.

 

 

Dose anyone else know this answer?

 

Is a notice of default still valid if there is no one in charge to handle the estate?

yes..you told me so...

[groze]

Dose anyone else know this answer?

 

Is a notice of default still valid if there is no one in charge to handle the estate?

yes..you told me so...

 

 

Huh? No, I didn't.

 

Ocwen clamming they need someone in authority to talk to. They basically want someone to sue. They don't recognize me as the person despite Indiana law. If I understand the law on default notices. They have to send it to someone who is in charge of the estate, but there is no one in charge the estate according to Ocwen. So, the default.notice is invalid.

[StarkRaven$]

Please be prepared to "possibly" pay a larger security deposit on an apartment rental if your credit reports aren't clean. Also, there is a possibility that ultilies will ask for a large deposit as well.

 

My husband is permanently disabled and ten years ago we learned very quickly that most businesses don't care about one's medical condition.

[groze]

Please be prepared to "possibly" pay a larger security deposit on an apartment rental if your credit reports aren't clean. Also, there is a possibility that ultilies will ask for a large deposit as well.

 

My husband is permanently disabled and ten years ago we learned very quickly that most businesses don't care about one's medical condition.

 

 

That what kind of ticks me off about some businesses, They will help you in a disaster but won't help in a hardship.

 

 

I have a family member working to see if they can find me a place to rent without a credit check. I do have some money save up (Note, I still keep it under the resource limit)

 

Here is what I would really like to rent. I have seen on tv, where rich people rent their guest house in there back yard and rent is based on their income.

 

What I am looking for is apartment, double and last resort house for rent without a credit check in Indiana, I want a town that has decent public transportation & decent medical care in Indiana that near an I.U. hospital, Bloomington & Richmond are out for personal reasons. My cites of choice are Muncie, Indy, Layette, Evansville, Ft Wayne. The last two don't have I.U. but they have decent public transportation. I would even consider Gary, IN

 

I could also move to France as well, but that would require giving up a lot of personal stuff that means a lot to me, I don't Speak French. They have medical care & housing for immigrants. I want a place were they treat there disabled better. Unless its a restricted county, I could move anywhere in the world & still get SSDI. I may need extra financial help depending on the exchange rate. I would want a free county of course & has decent medical care. Mod, the preceding paragraph was not meant to be political, I just want a place to live.

 

Depending on what happens on 9-5-2017 at the doctors. I will know how to precede.

 

The foreclosure hasn't started yet.

 

 

A little of topic question. If Ocwen is being sued by the CFPB, why hasn't the courts order Ccwen to stop all current & new foreclosures? The reason Ocwen is being sued for allegedly do illegal foreclosures. (Mod if this question is not allowed, please remove this paragraph-thank you)

[IndyPoolPlayer]

What I am looking for is apartment, double and last resort house for rent without a credit check in Indiana, I want a town that has decent public transportation & decent medical care in Indiana that near an I.U. hospital, Bloomington & Richmond are out for personal reasons. My cites of choice are Muncie, Indy, Layette, Evansville, Ft Wayne. The last two don't have I.U. but they have decent public transportation. I would even consider Gary, IN

 

I could also move to France as well, but that would require giving up a lot of personal stuff that means a lot to me, I don't Speak French. They have medical care & housing for immigrants. I want a place were they treat there disabled better. Unless its a restricted county, I could move anywhere in the world & still get SSDI. I may need extra financial help depending on the exchange rate. I would want a free county of course & has decent medical care. Mod, the preceding paragraph was not meant to be political, I just want a place to live.

Why go all the way to a high crime country like France? Canada has free medical care for everyone also. So does Cuba.

 

Muncie, Indy, Fort Wayne and Lafayette have high rents due to population and in the case of Muncie, FW, and Lafayette they're college towns. Waiting lists for public housing are long especially in Indy. Evansville is very redneck, and unless you want to sleep with a loaded gun under your pillow then don't consider Gary.

 

[Kuuner]

 

Please be prepared to "possibly" pay a larger security deposit on an apartment rental if your credit reports aren't clean. Also, there is a possibility that ultilies will ask for a large deposit as well.

 

My husband is permanently disabled and ten years ago we learned very quickly that most businesses don't care about one's medical condition.

 

 

That what kind of ticks me off about some businesses, They will help you in a disaster but won't help in a hardship.

 

 

I have a family member working to see if they can find me a place to rent without a credit check. I do have some money save up (Note, I still keep it under the resource limit)

 

Here is what I would really like to rent. I have seen on tv, where rich people rent their guest house in there back yard and rent is based on their income.

 

What I am looking for is apartment, double and last resort house for rent without a credit check in Indiana, I want a town that has decent public transportation & decent medical care in Indiana that near an I.U. hospital, Bloomington & Richmond are out for personal reasons. My cites of choice are Muncie, Indy, Layette, Evansville, Ft Wayne. The last two don't have I.U. but they have decent public transportation. I would even consider Gary, IN

 

I could also move to France as well, but that would require giving up a lot of personal stuff that means a lot to me, I don't Speak French. They have medical care & housing for immigrants. I want a place were they treat there disabled better. Unless its a restricted county, I could move anywhere in the world & still get SSDI. I may need extra financial help depending on the exchange rate. I would want a free county of course & has decent medical care. Mod, the preceding paragraph was not meant to be political, I just want a place to live.

 

Depending on what happens on 9-5-2017 at the doctors. I will know how to precede.

 

The foreclosure hasn't started yet.

 

 

A little of topic question. If Ocwen is being sued by the CFPB, why hasn't the courts order Ccwen to stop all current & new foreclosures? The reason Ocwen is being sued for allegedly do illegal foreclosures. (Mod if this question is not allowed, please remove this paragraph-thank you)

 

"I could also move to France"? I'm pretty sure any further common sense from this post is out the door and has fallen on deaf ears. You see the world through a different lens for sure.

[groze]

Kunner,

You are not understanding me. Lets put it simple. I take anywhere in the world that has decent medical care & public transportation & help their disabled citizen better (It does have to be a free country though) I don't mind living in the U.S. The reason I am limiting myself to Indiana is because I get Medicaid QMB. Indiana has a higher limit for QMB then other states. It basically pays my medicare premiums, medicare part a hospital deductible & Medicare part B detectible plus co-pay. The only thing it doesn't cover is vision, dental & some feet stuff. Ironically it will pay for weight loss surgery expect for the band. Other states I would only get SLMB or QI coverage. SLMB & QI only pays medicare monthly premiums.

[groze]

 

What I am looking for is apartment, double and last resort house for rent without a credit check in Indiana, I want a town that has decent public transportation & decent medical care in Indiana that near an I.U. hospital, Bloomington & Richmond are out for personal reasons. My cites of choice are Muncie, Indy, Layette, Evansville, Ft Wayne. The last two don't have I.U. but they have decent public transportation. I would even consider Gary, IN

 

I could also move to France as well, but that would require giving up a lot of personal stuff that means a lot to me, I don't Speak French. They have medical care & housing for immigrants. I want a place were they treat there disabled better. Unless its a restricted county, I could move anywhere in the world & still get SSDI. I may need extra financial help depending on the exchange rate. I would want a free county of course & has decent medical care. Mod, the preceding paragraph was not meant to be political, I just want a place to live.

Why go all the way to a high crime country like France? Canada has free medical care for everyone also. So does Cuba.

 

Muncie, Indy, Fort Wayne and Lafayette have high rents due to population and in the case of Muncie, FW, and Lafayette they're college towns. Waiting lists for public housing are long especially in Indy. Evansville is very redneck, and unless you want to sleep with a loaded gun under your pillow then don't consider Gary.

 

 

 

France is not that bad depending on where you live. As far as those cities in Indiana. I chose it to be close to an I.U. hospital. My cardiologist is from Muncie. I asked him today (9-5-2017) if I should be in an apartment or a nursing home. He said an apartment. He said my heart was serious but people live a long time with that. He really didn't commit on how long I will live. I really like to live in Cleveland, OH. I heard that is one of the best hospitals in the U.S. & has good public transportation..

[StarkRaven$]

Groze, maybe you already know this but, SSDI is not transferable and would stop if you move outside the USA.

Edited September 6, 2017 by creditmaze