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*hugs*
I don't really have any words of advice, just wanted to say sorry that you're going through all of this. Hopefully things will get better.
How are the failings of the HOA your responsibilty? I'd scour your HOA agreement & entertain the possibility of consulting with a laywer.
As for your sister- why can she not live in an apartment? If you're helping her out she needs to get over herself or stop accepting your assistance.
I hope everything works out for you guys (HUGS)!!!
I don't have any advice either. Who doesn't pay their water bill? How did it even get up to $80,000 in debt? That's insane.
Why did you get a 180 point drop in your credit score for moving into an apartment? From my mediocre understanding of credit scores, I don't get it. BUT, that is a huge drop to recover from, so you may want to consider that if you're looking at buying in a few years.
I don't understand how the HOA's f*ck up is your problem. Is water included in the monthly fee you pay them? Or did everyone just collectively not realize they had to pay for water?
Thanks Everyone for the concern. I work in the legal field and the first thing I did was go to a real estate attorney friend of mine. My HOA fees include my water bill so its the responsibility of the HOA to pay the water bill. My lawyer basically told me that I have the option of riding it out but I will still have the fear of the shutting the water off over my head. In many states, code enforcement will deem your house inhabitable because your water is shut off. In order for you to live in a home you have to have running water. My other options are to give the home back to the mortgage company. If I do that option my credit score can take an 80-180 point credit it. I will also have to wait about 2-3 years before I get apply for another mortgage. My fear is that if I ride it out and they do turn off the water I will have to pay my mortgage along with hotel or apartment fees. This has already happened with another subdivision here in the Atlanta area and everyone had to move out of the subdivison. They were able to return once the HOA had came to a deal with the water company but many of them just did not return to their homes or they put them up for sale.
@Renee1023: Do you mean uninhabitable, as in, can't be lived in? That is really confusing me...
@TheMsMittens: Yes, since water is needed as a necessity to live. Anywhere you live, you have to have the ability to have running water. So since the water may be turned off. We cannot return to our home until the water is turned on. Since the city knows that they are the ones turning off the water, they can give code enforcement the heads up and they can ticket us if we stay in the home with no running water. Since my niece lives there if we do that the Dept of Family and Children services can be called as well. The situation is soo sickening!!
So you are planning to give up your house & ruin your credit because the HOA didn't pay the water bill? I'm surprised that this could happen without any sort of warning that the dues being collected were not sufficient to cover the expenses, but I guess it could be that your deadbeat neighbors are not paying their HOA dues? I would assume the HOA can issue a special assessment and ask all the homeowners to fund, but I guess if your neighbors aren't paying then its not going to do a lot of good... Whatever the charge is per unit I can't imagine that it would be worth walking away from your home. Can you try to find out if there will be an emergency HOA meeting to discuss? I hope it works out!
I really don't see how the HOA can get away with that, where did the money go? Were they embezzling it or what? I'm sure there will be a huge legal suit against them in any case, can't you get involved in that?
What a horrible situation... What if you stayed living there until they turned the water off? If you did that & the water did get turned off could you move in with a friend or family? Would your home insurance cover anything? Or if HOA has an insurance thing that would cover you?
If I had a HOA & they did that, I'd make them cover the cost of your apartment rental.
$80k in water bill debt? You'd think that after $10k (which is still A LOT), that the water company would give them notice. I wonder how many months/ years they have not paid their water bills.
@ChemistryBride: I'm assuming that the a lot of the homeowners are delinquent in paying their assessments, and therefore the HOA does not have sufficient funds to cover the expenses. It is happening alot as people stop paying the HOA dues when they stop paying their mortgages... If people don't pay their dues the bills can't get paid and it's not the HOA's fault, it's your neighbors' fault. If the homes are in or near foreclosure I wonder if the banks holding the mortgages would pay the delinquent fees in order to prevent the homes from being completely unsaleable. Once an HOA has a certain % of delinquencies you will not be able to sell it because a bank won't give a mortgage and the buyers will have to pay cash...
@reebee: That's what exactly has happened. Many of the homeowners have stopped paying. I wish I could live with someone but I have my sister and my niece so that's out of the question. I am just really upset because I should be bubbly with wedding plans, and other things now I have to move my entire family and take a loss on my first home.
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Good Morning Bees!!
I just do not know where to start. Since our engagement my fiance and I have been throught everything from extending our long distance relationship because of work and other things. Before I met my fiance, I had my home and our plan was to stay in the home for two years after we got married in order to get a bigger home. Yesterday I came home and my Home Owners Associations (HOA) left a letter on the door. They owe the city over 80,000 in water bills. I was completely floored. They were urging people to pay their bill before the city disconnects the water. Here is the messed up situation. If the water is not on, the city will deem my home inhabitable because there is no running water to my home. I just moved my sister and my niece in with us so that we can sister back on track with being a good parent but THATS ANOTHER STORY!!! My fiance is being a trooper and we have decided to live in a apartment (2-3 years at least) and I just have to take the loss on my credit (180 point credit drop). I am so heartbroken....
Icing on the cake... my sister that I just moved in is being a complete AHOLE and telling me that she cannot live in an apartment.