呼唤柠檬,还有攀攀妈。有个auction 的问题。

D
DD2020
楼主 (文学峸)

最近在看sheriff sales 的房子。 有个二家庭。loan amount 8万,正常估价18万。所以觉得是个好deal。

due dillgence 如下:

1) 没有欠税

2) 只有一个mortgage。 wells fargo. 也是这个银行在做forclose

3) title chain很clean

3) 除了default mortgage之外,还有大概四千块欠township的水和 sewage 的钱

让我有点吃不准的是这个屋主有个bail bond lien.  他和另一个人一起为一个朋友担保三万五,结果那个人跳票了。跑回牙买加。现在,bail bond company file complaints in 2017.  这个case是open的。但是并没有judgement。在county prothonotary department 查了,这个bond is indemnity agreement, not using the property as collateral.

是不是sheriff sales 之后,judegement lein will be wiped off? if so, should I worry about the bond lien? 

如果我不用去付这个钱,但是bond company 没有撤销这个lien,这个lein还是会cloud my title. so i can not refiance or sell it unless i file the quiet titel action, right? but if I file the action, what if the bond company wont clear the lien on me, am i stuck with the property with clouded title?

我现在不知道是move on or if there is anything else i can do to complete the due dillegence. 

should I call the bond company? 

 

 

攀攀妈的房产经
call呀,问律师,这种请假大概有经验的概率比较低我觉得
柠檬椰子汁
Do your own homework

是不是sheriff sales 之后,judegement lein will be wiped off?

NO, the lien stays. 

if so, should I worry about the bond lien? 

Yes. 

如果我不用去付这个钱,但是bond company 没有撤销这个lien,这个lein还是会cloud my title. so i can not refiance or sell it unless i file the quiet titel action, right? but if I file the action, what if the bond company wont clear the lien on me, am i stuck with the property with clouded title?

You pay the owed amount on the bail bond, or prove that bail bond was returned by the court. 

我现在不知道是move on or if there is anything else i can do to complete the due dillegence. should I call the bond company? 

You can call the court to find out whether the bail is paid back to the bond company.  If not, the lien stands. 

 

柠檬椰子汁
不要给bond company 打电话,他们也不知道这个房子auction了,你告诉他们是打草惊蛇。

应该给法院打电话,如果真的跳票了,bond lien是逃不掉的。

D
DD2020
谢谢。难道跳票了bond money还可以还回去。学习了。下周却确认这个事。再次感谢。
大阿牛
这种法院的lien一般如果还在,是不能免的,水电费的lien是有可能免掉的,各地法律不一样。我这里是不用管水电和HOA lien
D
DD2020
is bond lien stick with the person or with the property? The agr

the agreement is not using property as collateral. I dont think i would be responsible for the bond lien. however the lien will cloud my title, which prevent me from refinancing or selling it in the future.

D
DD2020
谢谢大阿牛哥!
柠檬椰子汁
不能还,我让你去确认真的跳票了
柠檬椰子汁
How bail bond works.

1. how bail works.

You are accused of a crime, you can stay in jail awaiting trial, or the court can take some money from you (set a bail) and you wait for trial at home.  If you don't show up for trial, the bond is forefeited. 

2. how bail bond works. 

You are accused of a crime, and the court set a bail that you can't pay.  This is when you contact a bail bond company to get the bail bond.  Bond means "debt".  You pay 10% of the bail, the bail bond company put up 90% and you are back home.

If you jump the bail, in the old days, the bail bond company can hunt you down and drag you back to court, to get their 90% bond money back, it is called bounty hunting.  Bounty hunter earns 10%-20% of the bail bond if he get you back to the court. 

Or in a more civilized time like now, they can put a lien on your house to get their money back. 

柠檬椰子汁
这不是法院的lien,是bail bond company的lien。

房子不是直接抵押到法院里面,而是欠了bail bond company的钱,然后被追债。

D
DD2020
谢谢柠檬大哥不厌其烦的解惑!
大阿牛
哦,那就当我放了个P 吧。
D
DD2020
我不会把你的话当P 的。 :) 好的有用的信息呢。
D
DD2020
谢谢柠檬。我这个已经研究过了。就是不知道没有judgement的时候,这个lien是跟着房子走还是跟着人走。还有一个细节望了提,

我在看这个case文件的时候,bail company mentioned that they believed Pedra (the property owner) to live in address xxxx. But this address is not the property that I intended to buy. The owner has 3 properties under him.

Does that mean the lien is not attached to the property?