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Upgrading the appliances subjects them to the ORIGINAL MORTGAGE. All you did was maintain the existing ammenities. If you replaced the roof, would you be entitled to strip is off and sell it?
You either own it or you do not.
No where in the Mortgage docs does it say you can't sell your fridge, stove, or front door.
That is why no prosecutions happen.
If you sell the stuff after foreclosure, or after you no longer own it. Then there may be an issue.
No where in the Mortgage docs does it say you can't sell your fridge, stove, or front door.
That is why no prosecutions happen.
If you sell the stuff after foreclosure, or after you no longer own it. Then there may be an issue.
I can agree with that. Before agreeing to MY short sale the bank sent an agent to do an "inspection" to make sure the house was being sold for a valid amount.
I started to write back on this and then I realized that it's impossible to debate with a fanatic. The delusion runs too deep, and all the fact, truth, and logic in the world will not be heard.
I feel bad for you that you are so disillusioned. This must be a sad, angry place for you.
Yep like any unehtical person ;who always justifies their action by other unethical persons. Same with any criminal also.Waste of breathe.
...TOGETHER WITH all the improvements now or hereafter erected on the property, and all easements, appurtenances, and fixtures now or hereafter a part of the property. All replacements and additions shall also be covered by this Security Instrument. All of the foregoing is referred to in this Security Instrument as the “Property.”...
Just FYI, a fridge is generally not considered a fixture, but a stove and front door are.
And, as I indicated before, prosecutions do happen, just infrequently. Just because you can get away with it, does not make it justified.
Must be nice to be able to make up your own rules.
They don't own it, but it is part of the collateral that secures the note. If you default on the note, then the collateral is theirs.
In the spirit of all revolutionaries. When the system is broken, corrupt and rigged against the good people of any nation.
The rules always change.
The rules are written for normalcy, not emergency.
This country has a moral bankruptcy problem.
Pushing back on the aggressors, in this case criminal banking and political institutions becomes imperative to our very survival.
The good news is that you ain't seen nothing yet.
The people of this nation are waking up, and it's going to get real interesting as we are forced to take our eyes off of our personal goals and fortunes and get down to becoming a truly undivided people.
Unfortunately there will be those that push back, making it a much longer and harder process.
The Boston Tea Party was Illegal. Not immoral.
Liberty or Death.
thank you everyone, you have solved my problem(s). i will sell all my appliances as they are only 2-3 years old and ask the buyers to bring me their old, broken ones as part of the exchange. Viola! i make some spare change and the house still has appliances...
if you can stomach that reply, then riddle me this...if i were selling my house, my appliances would be part of the negotiated transaction correct? but, if they are part of current loan, then are they not required to be part of the transaction...so how is this different from a transaction where I am "selling" my house back to the lender? selling is used very loosely to cover SS, FC, etc...
the best part of this whole process...reading in detail my loan documents. see "owning" a house is no different than renting except for two things: tax write-off and at the end of the loan the prop is yours. in the mean time, as the loan docs state, the bank is just like a landlord...they can enter my prop any time they want if they "feel" that I am not maintaining the prop so they can maintain it and then the kicker...bill me for the repairs.
You might have convinced yourself you're right but good luck convincing your girlfriend!
But hey if you can look yourself in the mirror each day knowing you have the morals you do then fair enough. That's all that matters.
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