(Closed) Really Upset

posted 6 years ago in Emotional
Post # 3
Member
2512 posts
Sugar bee
  • Wedding: August 2011

*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. 

Post # 4
Member
5475 posts
Bee Keeper
  • Wedding: August 2012

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)!!!

Post # 5
Member
13014 posts
Honey Beekeeper
  • Wedding: November 1999

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.

Post # 6
Member
5786 posts
Bee Keeper
  • Wedding: May 2011

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?

Post # 8
Member
248 posts
Helper bee
  • Wedding: August 2012

@Renee1023:  Do you mean uninhabitable, as in, can’t be lived in?  That is really confusing me…

Post # 10
Member
1252 posts
Bumble bee
  • Wedding: November 2011

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!

Post # 11
Member
2425 posts
Buzzing bee
  • Wedding: May 2012

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?

Post # 12
Member
3041 posts
Sugar bee
  • Wedding: May 2010

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.

Post # 13
Member
1252 posts
Bumble bee
  • Wedding: November 2011

@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…

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