Rose's jumper

[Hendu0520]

Good points Doug, his arm does flap out to the side at times when he is rushing and coming off of a screen to shoot, but I would chalk that up to adjusting to the speed of the defenders in the league, it has gotten a bit more consistent. Yah the arc will be a problem on three pointers, but did you see some of those contested shots lately on the baseline, I think one was over Dalembert in the Philly game where he put up a very high arcing shot that he buried. So I am hoping both those things improve a lot with practice. Of course we are not there with him, he has to put in the work to improve, your right about that.

 

[clonetrooper264]

If Rose really wanted to learn a 3pt shot, I can see him going up Ben or a shooting coach and just drilling for hours. He has the personnel around him to develop it if he wants to. IMO he really only needs that midrange jumper to be effective, a 3pt shot would just help spread the floor a bit more and probably increase his scoring slightly. I wouldn't worry about it too much. As I've said before, defense should be his first priority since he can already score pretty much at will.

 

[Shantz My Pants]

As we knew this was going to happen eventually, my mothers house has been finally sold in foreclosure. The fact that we were able to live in this house (nasty divorce, moved in to help out) for an extra two years has been kind of a blessing.



Unfortunately, thursday the courts finally sold the house to the highest bidder. This morning someone sat in the driveway for literally an hour taking pictures I'm assuming of the house. About a hour and a half ago the new owner of the house came over interrogating my mother (she assumed he was serving eviction papers) about the house. He said that being a realtor, he bought the house (quick sell) and that we won't have our papers for another 3 weeks and that according to law we will have 30 days from the time we get the letters to leave. Luckily we have been prepared and are going to be fine as we have back up plans.



My question for anyone out there who works with this, or has experience is, what are the actual truths?



Do we get 30 days ONCE we get the eviction letter?



When does this guy actually OWN the house (I.e. can come inside)? As in, he can't try and do shit to the house till after we get our 30 days (not much he would probably want to do, house isn't even 10 years old)?



He can't harrass us about anything correct?

 

[jakobeast]

First, what county do you live in? That is important because Cook is the MOST backed up and an eviction could take another 2 years at least.



From the sound of it this person bought the house at the Sheriff Sale. Just because they bought it at the Sheriff Sale doesn't mean they can come over and tell you to get out. There are still laws that have to be followed.

In all honesty, it doesn't make sense that a Realtor would buy the house at the Sheriff Sale. The home typically goes back to the bank. Once it goes back to the bank they then assign it out and a Realtor will come to the home to check occupancy. This may have been what they did but the Realtor confused you?

In order to get out the Sheriff needs to come and actually post a notice to evict you or you need to come to an agreement on CFKs (cash for keys).

DO NOT leave voluntarily. Ask this person to see a copy of a deed or paperwork that they are assigned the property or their relation to the situation.

At the very least get them to do CFKS - this is where they pay you to move out faster to avoid going through a full blown eviction.



Also, if they just bought the home at the Sheriff Sale it still has to go through a Redemption period and that can be anywhere from 30-90 days so ask them for the Redemption date.



Hope this helps and gives you some ammo to go back to them with. I'm curious who the Realtor is too (esp if Cook/Lake County)



Mego

 

[jakobeast]

The wife and I work in foreclosures, and Obviously, that was the wife. She does the office stuff, and knows a lot more then I do. I do the running. Basically, I go out and take the pictures, change the locks, and break in to vacant properties. I also am the face of the agent/bank. It is a bit confusing, and I am still trying to figure everything out myself, but chances are the guy that showed up at your house wasn't the actual new owner, but the agent hired to be the local point of contact.



Definitely see if cash for keys is available. it isn't gonna be a great windfall of money or anything, but it will help with moving expenses and getting a new place. It would also help if there were kids living there, or elderly.



DO NOT let anyone one in. They really shouldn't even ask. You and the residents at that house still have rights. You don't really even have to talk to anybody if you don't want, but I recommend getting contact info for either the realtor or the bank and talk to them directly over the phone.



Keep us posted.

 

[Shantz My Pants]

I'm in Cook County.



That could very well be the case of this guy being the point of contact, I was not the one getting the run down.



What I can gather from what I know, the bank put in the opening bid. A lady showed up in the AM sitting on our drive way for an hour and then left. This guy showed up in the afternoon and "parked his fat ass" on the porch until someone answered the door. He followed through with the interogation until my mother asked who he was. He didn't get any real info, she gave him a card and he told her that we would get paperwork in 3 weeks about us having 30 days to be evicted. She said she would wait for the paperwork and he explained in a dickish manner "Oh, I'll get you the paperwork".



We are all ready to move on from this house. While it's nice and everything, we've been here only for the stability and the chance to get ourselves into the next best situation. At this point we have our options lined up and such.



I couldn't find much info during a quick google search and I know you and Meg both work in this type of stuff so I actually probably should of just messaged you guys. Thanks!

 

[Tater]

I'm glad you posted it instead of PM's. I'm learning a bunch here too and might be in the same boat very soon.

 

[Shantz My Pants]

I'm glad you posted it instead of PM's. I'm learning a bunch here too and might be in the same boat very soon.

I understand that everyone has a job to do in this instance, but for **** sake, don't be a prick about the situation like the realtor was.



I did mention the KFCS to my mother and her lawyer has mentioned it in the past. Luckily we have a family friend who is looking to invest in some property because its so cheap and he said he would allow us to move in and wants my mother to go with him and his wife (my mothers best friend since middle school) to look at places.

 

[jakobeast]

I am glad you didn't pm either. I think this may help folks.



The agent I work for is a huge dick when it comes to things. He's been doing it for 27 years, and he has seen things, and in my short time there, I have seen things too which cause you to become a dick. People take advantage of the good nature I have had, and therefore have had to curtail it. While I am not saying give that guy a break, I will say understand that people look at him as he himself is taking their house, and as such, abuse him. I can't blame them, and I understand it, but thing used to be different.



It's CFK(cash for keys), not kfcs. One gives you money, one give you high cholesterol. If you do go the CFK route, know the house will have to be clean, top to bottom. Nothing left inside. They call it broom clean or broom swept condition. Basically, all anyone would have to do after you leave is come in with a broom to clean it. Also, unless you have receipts to show you bought the appliances fairly recently, all of those have to stay.



I would also suggest if you do the cfk, DO NOT involve the lawyer. In my experience, the lawyers screw things up bad. Either they don't explain that the house has to be broom clean, or they tell their client to take the appliances or other things, which means you get no check, and I come the next day and change the locks. They also just take the first number offered. The CFK is negotiable. Why just get 700 bucks when you could possibly get 2 or 3 grand?



If you are ready to move on, that is cool. But you don't have to move if you aren't ready. Cook County is so backlogged with with evictions, as not only are there a lot, the Cook County sheriff Tom Dart stopped doing them for a year. That helped nothing. We are seeing evictions that should have taken place in 09 and 10. They have stepped it up as of late, but they have a while to go. Don't let the agent be too hard nosed. He can't evict shit. The sheriff does. They will post notices on the door, usually 2, at least a week before an eviction takes place. They will post up to 4 times before an eviction happens, SOMETIMES. Lately it has been 2 postings then the go in. Other times they will post once and not come back for 6 to 12 months.



Know that you will not know when exactly an eviction will take place. The agent won't know either. In Cook County, the sheriff calls us the day before and tell us to be at the subject property the next day between 8-12. Sheriffs, when either posting or going in to evict, will show up 4 to 8 officers deep. Cook likes to show force I guess. When they do go in, they sometimes knock once, announce they are sheriffs, then they bust the door down and go in with guns drawn. They will not move out personal property, but they will remove the occupant. Then the folks that lived there then have to coordinate a time to get their personal belongings. Usually they get a day, 8 hours, to move their stuff out.



Hope this helps, and ask any questions you have.

 

[TSD]

I understand that everyone has a job to do in this instance, but for **** sake, don't be a prick about the situation like the realtor was.



I did mention the KFCS to my mother and her lawyer has mentioned it in the past. Luckily we have a family friend who is looking to invest in some property because its so cheap and he said he would allow us to move in and wants my mother to go with him and his wife (my mothers best friend since middle school) to look at places.

Its perception. The same people that see someone collecting unemployment/welfare automatically assume they are a lazy ass leech, our drowning in credit debt irresponsible fools who don't pay their bills, and they look at you and your mom like you dont want to pay the mortgage and you put yourself in this situation.



Its people who have no desire to look at the context of your situation, and assume because they arent being evicted, and they arent on welfare, or in credit card debt, that you are doing it wrong and warrant scorn.

 

[IceHogsFan]

Its perception. The same people that see someone collecting unemployment/welfare automatically assume they are a lazy ass leech, our drowning in credit debt irresponsible fools who don't pay their bills, and they look at you and your mom like you dont want to pay the mortgage and you put yourself in this situation.



Its people who have no desire to look at the context of your situation, and assume because they arent being evicted, and they arent on welfare, or in credit card debt, that you are doing it wrong and warrant scorn.

There is also the other perspective.........



That people throw up their hands, stop paying and say I can save that money elsewhere (hidden) and after living for two years rent free I can have a nice chunk of money saved for another place to live in.



Everyone's situation is different but a bank or any other institution/ owner that is forced to allow individuals to continue to live there for free for years is really ridiculous.



Jako, you ever wonder how many people have the financial means to continue paying their mortgage/ taxes but simply choose not to because their residence is currently underwater? I remember hearing a story of a lady in a divorce who did not care about her credit rating, had the means to continue paying but instead did what I mentioned above.

 

[BigPete]

There is also the other perspective.........



Everyone's situation is different but a bank or any other institution/ owner that is forced to allow individuals to continue to live there for free for years is really ridiculous.

Considering how much money that bank or lending institution made off of that 'home owner' prior to the foreclosure, because of bad loan terms and ridiculously high interest rates...I don't feel one tiny little bit bad for them. If lenders weren't ass raping people then this may not have happened. Prior to refinancing my mortgage I would have paid nearly $250,000 to borrow just $206,000. That is a hell of a good deal FOR THE BANK.

 

[MassHavoc]

And there is the other side of that, if lenders are ass raping people, then don't borrow. No one is forcing people to borrow money.

 

[TSD]

And there is the other side of that, if lenders are ass raping people, then don't borrow. No one is forcing people to borrow money.

and no one is forcing banks to give loans out to people they shouldnt. Or maybe they are, I dont know.



They are both at fault here.



Doesnt matter banks will just **** the people that provide them with their capital, with more fees.





Never understood that about banks. They are essentially try to charge people for lending the bank money....I mean thats what it is, i put money in the bank and they use it and want to charge for it, what a racket.

 

[MassHavoc]

Giving money to people they shouldn't is what causes the ridiculous interest rates and terms. If they refused to loan them money then they would somehow be worse, or racist, or prejudice or who knows. I'm not on the side of banks but at the end of the day, if it's a bad deal it's a bad deal and both parties have to agree to it.

 

[BigPete]

And there is the other side of that, if lenders are ass raping people, then don't borrow. No one is forcing people to borrow money.

That's such a crap argument. All I'm asking is that banks aren't unethical loan sharks, it has nothing to do with borrowers being irresponsible. I pay my bills on time because I can, that doesn't mean I should take it up the ass just to borrow money.



They are completely separate conversations/arguments.

 

[BigPete]

Giving money to people they shouldn't is what causes the ridiculous interest rates and terms. If they refused to loan them money then they would somehow be worse, or racist, or prejudice or who knows. I'm not on the side of banks but at the end of the day, if it's a bad deal it's a bad deal and both parties have to agree to it.

The bubble and collapse were very complex problems, but at the end of the day a rather high APR (which is not set by the lending institution, I know) given to a person with limited means usually leads to foreclosure. If someone was in a house for 5 years on a fixed 30 year, then couldn't pay their bills anymore (for whatever reason), they probably gave the bank close to 50,000 grand or more in nothing but interest. So the bank shouldn't exactly be crying poor mouth.

 

[Shantz My Pants]

To put our situation into perspective, the house is not one my mother can afford to pay for. Before the job scene took a hit, her ex had a decent construction company. Things took a tumble as well as some serious legal issues that eventually ended in her getting her granted a divorce. Long story short, we can't afford the payments on this house and have not been able to. While we have been living rent free, everything else has been paid for (Electric, Cable, Gas, Water, whatever else we have had to pay for) with no help from her ex as he "can't find a job".



I don't believe any comments were directed to us in thread, but I needed to be clear that we are not trying to screw any system and are not just "laying around watching TV all day" waiting till the clock runs out type of deal.

 

[Shantz My Pants]

I am glad you didn't pm either. I think this may help folks.



The agent I work for is a huge dick when it comes to things. He's been doing it for 27 years, and he has seen things, and in my short time there, I have seen things too which cause you to become a dick. People take advantage of the good nature I have had, and therefore have had to curtail it. While I am not saying give that guy a break, I will say understand that people look at him as he himself is taking their house, and as such, abuse him. I can't blame them, and I understand it, but thing used to be different.



It's CFK(cash for keys), not kfcs. One gives you money, one give you high cholesterol. If you do go the CFK route, know the house will have to be clean, top to bottom. Nothing left inside. They call it broom clean or broom swept condition. Basically, all anyone would have to do after you leave is come in with a broom to clean it. Also, unless you have receipts to show you bought the appliances fairly recently, all of those have to stay.



I would also suggest if you do the cfk, DO NOT involve the lawyer. In my experience, the lawyers screw things up bad. Either they don't explain that the house has to be broom clean, or they tell their client to take the appliances or other things, which means you get no check, and I come the next day and change the locks. They also just take the first number offered. The CFK is negotiable. Why just get 700 bucks when you could possibly get 2 or 3 grand?



If you are ready to move on, that is cool. But you don't have to move if you aren't ready. Cook County is so backlogged with with evictions, as not only are there a lot, the Cook County sheriff Tom Dart stopped doing them for a year. That helped nothing. We are seeing evictions that should have taken place in 09 and 10. They have stepped it up as of late, but they have a while to go. Don't let the agent be too hard nosed. He can't evict shit. The sheriff does. They will post notices on the door, usually 2, at least a week before an eviction takes place. They will post up to 4 times before an eviction happens, SOMETIMES. Lately it has been 2 postings then the go in. Other times they will post once and not come back for 6 to 12 months.



Know that you will not know when exactly an eviction will take place. The agent won't know either. In Cook County, the sheriff calls us the day before and tell us to be at the subject property the next day between 8-12. Sheriffs, when either posting or going in to evict, will show up 4 to 8 officers deep. Cook likes to show force I guess. When they do go in, they sometimes knock once, announce they are sheriffs, then they bust the door down and go in with guns drawn. They will not move out personal property, but they will remove the occupant. Then the folks that lived there then have to coordinate a time to get their personal belongings. Usually they get a day, 8 hours, to move their stuff out.



Hope this helps, and ask any questions you have.

Sorry, I meant CFKS, but I wasn't paying attention to how I typed it out lol.



When you say it's backed logged on evictions, you mean (just trying to clarify) that even though the bank bought the house, we might be evicted for another year?



Also, I do understand if this guy has run into situaions of people taking advantage of him, but to show up and without anyone giving any type of guff to him he just starts in with the remarks and asshole attitude will be a prick.



We are not the type to wait till the final moment for the eviction. Once she gets the paper work about the 30 days, we will probably be gone within 7.

 

[BigPete]

To put our situation into perspective, the house is not one my mother can afford to pay for. Before the job scene took a hit, her ex had a decent construction company. Things took a tumble as well as some serious legal issues that eventually ended in her getting her granted a divorce. Long story short, we can't afford the payments on this house and have not been able to. While we have been living rent free, everything else has been paid for (Electric, Cable, Gas, Water, whatever else we have had to pay for) with no help from her ex as he "can't find a job".



I don't believe any comments were directed to us in thread, but I needed to be clear that we are not trying to screw any system and are not just "laying around watching TV all day" waiting till the clock runs out type of deal.

Trevor, you certainly don't need to explain yourself. Some people that make comments about those less fortunate just being lazy and such are not nearly as smart as they like to make themselves seem. It is real easy to throw stones at people from atop the mountain

With all that said, your family's situation does help to put many other foreclosures into context.