Hidatsu
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Been dealing with news that taxes were never paid on the house we live in. Was told we have until mid August to pay, or they will sell in September. Got a letter today that if we dont pay to the estate we will be evicted. Got 2 weeks for that.
I feel like im drowning. We have 3 adults, a kiddo thats 6, and 2 dogs, plus 5 ducks we added this year. A house that not just my husband but his mother grew up in that we will lose. We have no money saved up and no way to fully afford to just up and move, but we have no choice.
I am so overwhelmed, but I have to be the backbone of the family because if I dont it all crumbles, and we have to do this for the sake of my kid.
Idk why im writing this. Maybe to just scream into the void that is imgur. Ive done it many times and it helps. I guess I also want to hear from others, because its the only real connection to other people that I have. Yall are so supportive and caring and I could really use an internet hug today.
When it rains it pours, folks.
Seen some people wanted to help, so I made a gofundme to explain things https://gofund.me/fee5e628
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Snooj
Seems like a lot of missing information here. Who owns the house? Why are the taxes not getting paid? Are there three adults and no income?
georgedragonslayer
I'm no help, but I will send a hug your way.
TheFastpaws
You need to consult a professional lawyer. My aunt lost her house by just giving up it was too much. You have options don't just roll over. :(
klausvonlichtenstein
Where are you located (county/state)? There’s free legal advice everywhere!!
GBMaker
Go to ps://www.paypal.com/paypalme/">https://www.paypal.com/paypalme/ and create a PayPal.me account there. Post the link here so folks can help you without any fees.
notifybay151
chaostraveler08
Well (insert expletive of your choice here). All I have is an Internet hug and well wishes. I have no other words, everything just feels worthless to say so I just hope that things will turn out okay.
Calicious
Why not just take a partial mortgage out on the house? Use it to pay the taxes, and do any necessary repairs
nitaroyal
If the family has been in the house for this long, surely there's enough equity to get a loan? Hope you find a solution!
Hidatsu
Apparently not. We all got denied yesterday. Hubs for insufficient work history, me for derogitory credit, and MIL for owed credit card debts.
GBMaker
Go to https://ko-fi.com and make an account there. Then post the link here. Some of us might buy you a few "coffees" to help you out.
Hidatsu
I made one of these, too ^^ Thanks for the idea! https://ko-fi.com/hidatsu
CaviaPorcellus
here, let me make everything all better
GBMaker
What's the amount they want you to pay to avoid eviction?
Hidatsu
Im not sure, from what the lawyer said we'd have to pay them off their portion. The house was valued at around 90K I think a few years ago (even though its falling apart, literally) and for aome reason the number around 50K is sticking in my head so maybe that? Waaaay more than Ill ever see in my lifetime.
CivilRationality
If you don't have anywhere to go... squatting might be a viable move for you. I've read all kinds of stories about it taking months to get squatters out of houses.
crushingbore
Maybe you have a hidden talent for golf.
Mynamedoesntmatteronlylifematters
TheTallyMarker
His father died intestate. Your MIL siblings aren’t entitled to ANYTHING. Only her and her children. Call a lawyer and good luck.
zintention
Fuckin same. July 31st. No prospects. 2 kids. Everything is 300 dollars out of reach and I haven’t made a payment on my car in a year. So fucked. But 4 -12s a week bring home 1050 every other week. Whatever.
DatSunbro
Silver linings. 1) A perfect time to streamline and simply what you have and prioritize, even if under stressful and unplanned circumstances. 2) with nowhere to go you can go anywhere. There are few times in life where change (no matter how stressful) can be unfettered. Use that freedom however you can.
ghostofdragon
For an eviction, please please please look up the laws in your state/country. At least where I live, you have 30 days from WHEN YOU WERE SERVED the eviction notice to get out. That’s the minimum here. A letter telling you they intend to give you an eviction notice is not an eviction notice in and of itself. Please look for your rights, y’all, you deserve them.
Hidatsu
Good ole Indiana, we would get 48 to 72 hrs from notice to leave.
ghostofdragon
This is why it’s so important to look, I’m so sorry. That’s not person centered :’( It breaks my heart seeing things like that as a social worker
NotStephanie
I’m wishing you all the best. I’m sorry for the crap situation you find yourself in.
TheFlyingB
How much do you owe?
GBMaker
Go to http://www.findhelp.org/ for anything having to do with survival, including food, shelter, and bill assistance. US only.
Hidatsu
Thank you so much, Ill check it out today.
HappyCycling612
I’m sad that this website has to even exist. Among the first bit of information you encounter on the page is a counter explaining how 28M+ have used their site, followed by how to contact the suicide help hotline. All in the so-called ‘richest country in the world”, all because the richest 1/10 of 1% need to have more money than god himself.
kickahippie
As somebody who has spemt a good deal of time researching tax liens. In most cases you can talk to the state, or usually the county treasurer and start a payment plan. Idk who told u if was hopeless but be careful there are some shifty people out there, that will skim the tax auction lists and send letters or call ppl and try to scare them into selling way below market value. Tomorrow, call the county treasurer’s office and find out exactly what the deal is, then contact a lawyer.
kickahippie
If u can start a payment plan, set that up. If you have to have full value, go talk to a bank or local credit union. They should be able to help. Not all is lost. Most states make sales/auctions for unpaid taxes favor the owners over the buyers. A lot of states you can even pay the auction winner back their money + some interest to take back possession of the deed.
Gherkincensed
Yea @OP who told you? Was it a phone call?
Hidatsu
Whats got me feeling hopeless is if the state doesnt take it for taxes, they will for probate because the other kids in line are forcing things and dont want my husbands mom here so wont settle.
kickahippie
Sounds like u need to talk to a lawyer ASAP. Moving is expensive, lawyers are too, but at least they might be able to help you get the outcome u want
Hidatsu
Im going to make some phone calls today and see how that turns out. I know it wont help in the short term but it couldnt hurt. I dont want to let them just roll over and take it.
kleinheiko
If you talk to the right person in the right office explaining your situation, I'm sure someone is empowered to offer you an extension. I'm sorry to hear this is happening to you, and I wish you good luck.
GBMaker
Go to https://www.gofundme.com/ and make a GoFundMe to help with the move. Post the link here. Some of us might help you out.
Hidatsu
Thanks for the idea. Ill do that now <3
rchcopper
Make sure you get some legal advice from somewhere. Don't just take what you've been told unless you have it corroborated by someone on your side. I am not a lawyer, nor in the same country. So I don't know what rights you have. But good luck, whatever happens.
Hidatsu
Thank you for the luck. Im trying to find a pro bono lawyer today to talk to because we dont have money upfront to pay right now.
rchcopper
If you're renting, some sales can go through with sitting tenants, for example (depending on type of contract).
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WellThatsOriginal
Without knowing the full story. You say "estate". If the house is willed to you, you should be able to get a mortgage very very easily. Unless there is a mortgage already on it. Even then, if the value of the house is enough, you should still be able to refinance. Including the taxes. I'm not sure where you live but, here in my county in NY, you can be 3 years behind and get a payment plan.
LizLemonDifficult
From OP's comments, owner died 4 years ago. Ownership of the house is contested but OP lives in the house knowing about the estate issues. OP wants the house, but family wants to sell for cash. No one paying property taxes. OP can't afford to pay tax. OP can't qualify for a mortgage. OP has been living for free in the house? The estate has offered to allow OP to stay if they pay rent. OP is saying that they will be homeless, but if they start paying rent on the house they won't be homeless.
Hidatsu
The house never got put into a will, and the other descendants hate my husbands mom (granted, they have good reason to, but thats beside the point). They're the ones forcing the probate period, which I mean we knew was coming.
WellThatsOriginal
That is unfortunate. I am sorry you are going through this. Don't be afraid to call the treasures office or whatever department collects property taxes. Hopefully you can at least keep the house and possibly buy out the other family members.
NickRivieraMD
She says in the gofundme that the house belonged to the husband's grandparent who died intestate. Apparently that estate never went through probate, so the mom didn't own it either, it belongs to the grandparent's estate still. Now the other heirs want them to process the asset, and unless there are enough other assets to fairly offset the value of the house, they have to sell the house. Someone else said the estate has offered for them to pay rent and continue living there.>
NickRivieraMD
This seems unfortunate but it doesn't sound to me like it's unfair to OP's family, although there could be other factors, like the other heirs are way more wealthy, or have already taken assets from the estate.
Hidatsu
I didnt see these comments before, sorry for missing them! So the other family membera are very well off. The one is a child of one sibling that has already passed and has money from her mom passing, and the other has a new house in another state, with lots of extra money to go to the casino every weekend. They only want the house because the siblings never got along with my husbands mom growing up (they were half siblings, with my MIL being the only bio child of both grandparents)
NickRivieraMD
It's a little hinky because it sounds too like she's saying they are in the position of needing to *close* probate, which would mean the husband is the trustee, and it seems like that would be contested under the circumstances too.
abmoraz
I don't know OPs area, but I know I was unable to get a mortgage until I had paid all outstanding debts. Additionally, most banks won't issue a mortgage if there is a lien on the property.
WellThatsOriginal
If the value of the house is more than the liens, and all other debt, a mortgage is a breeze.
Aktrazer
This. You're basically financing the debt/liens into a mortgage. Rates are shit right now but just refi when they settle.
Snooj
Sounds neat but no one is going to give you a mortgage if you have a lien on the house. Would you lend money to someone who owes you money?
trikucian
@op DO NOT GO ANYWHERE. Who owns the house? If it’s your husband then you should be able to get some kind of equity loan against the house. Do not go anywhere until you’ve talked to a lawyer
OhIfIMust
Seriously, this, @OP: There have got to be a lot more options than what you're being told, even in the short time you're being told you have left. What the heck's the story here??
Hidatsu
Ive been answering a lot above in other comments. Technically the house belongs to the state as there was no will when the owner died. We had a lawyer but neither him nor the other fams lawyer want to try and prove the other kids were adopted, and they are pushing us iut so they can sell the estate and get money from it. (even though theyre all v well off with money and brand new houses) its all for spite.
trikucian
Can’t your lawyer make a point that because you’ve been living there and paying mortgage that you should be the owner?
Hidatsu
Thats why im looking for a new lawyer. The one we've had the past 4 years suddenly isnt responding to us.
trikucian
Oh for Christ’s sake. That’s a big red flag. That lawyer could lose their license for that if you’re a signed client
Hidatsu
Nobody. The owner passed away 4 years ago and didnt have a will, so we have to deal with probate on the property. My husbands family wants us out and want the estate money, which is what their lawyer is pushing for. They sent a letter demanding we pay rent to the estate or they will file an eviction for 2 weeks from now
LizLemonDifficult
Who has been receiving rent money for the past 4 years? Or have you not paid rent for four years? You said that you can't afford to pay the back taxes and don't qualify for a mortgage, but what is the issue with paying rent? This comes across as if you have been paying nothing and living for free for 4 years in a house that you don't own.
Hidatsu
My husband and I have been paying his mom monthly, and she has kept up with the mortgage payments and property taxes until last year, when my MIL stopped paying taxes fully, which we had no idea of until last week when we got the notice.
LizLemonDifficult
Be angry at your MIL; she got you in this situation. The other family members might actually be the reasonable rational ones. You can't afford to buy the house but the estate is offering to let you stay if you pay rent. The fact that this has dragged on for 4 years means that they aren't in a rush to kick you out. That only became an issue because your MIL stopped paying property tax and mortgage. If the estate is offering to let you rent, then rent from the estate so you can stay.
Hidatsu
Oh I am. And the worst part is the family is being spiteful because MIL wouldnt let them come take some mementos of gramps when he passed. Like I would let them in a heartbeat because rhw stuffs sitting in a cabinet collecting dust! She doesnt care, she never looks at it. Its all bc they hate each other and are acting like kids and not the 60 somethings they are.
trikucian
If she’s been paying mortgage and taxes up until recently then she has a VERY VERY good claim on ownership. Hire a lawyer. Set up a go fund me to hire a lawyer. I’m sure there’s a lawyer nearby that will help you out of compassion to start. Contact the Eagle Team, even if they’re not in your area they will help you find the right kind of lawyer
Hidatsu
Theres a link in my original post I added this morning for a gofundme, and a kofi and paypalme in the comments somewhere because folks were suggesting it. Im going to make calls to lawyers this morning to try and get a free consultation or something pro bono maybe.