Hurricane Harvey Self Defense for Mortgagors
Your mortgagee already has his plan. He wants your house.
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Affidavit of ____________________
On 25 August 2017 Hurricane Harvey made landfall in US at Rockport, Texas.
This event developed into a meteorological storm not seen in 800 years duration and affected areas in the States of Texas and Louisiana were declared national disasters. As a result of this weather event, I have declared my home uninhabitable until satisfactory repairs are completed under my direction.
I have registered my claim on disasterassistance.gov,
Case #_____________________
and am now pursuing restoration of the property at:
[ADDRESS]
[LEGAL DESCRIPTION OF PROPERTY]
As the property is uninhabitable in it's current state, I am freezing all expenditures of principal or interest, and applying those resources to restoration, until receiving a new certificate of occupancy from local regulatory officials.
As the value of the property is -0-, I am also seeking an abatement of property taxes until that time.
I am contributing to an escrow account the sum of $____________________
to be fairly settled at the conclusion of this difficulty.
Your forebearance during this period of our mutual difficulty is appreciated.
[SIGNATURE]
[NOTARY]
[COUNTY PROPERTY OFFICE DOCUMENT #]
Your mortgagee already has his plan. He wants your house.
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Affidavit of ____________________
On 25 August 2017 Hurricane Harvey made landfall in US at Rockport, Texas.
This event developed into a meteorological storm not seen in 800 years duration and affected areas in the States of Texas and Louisiana were declared national disasters. As a result of this weather event, I have declared my home uninhabitable until satisfactory repairs are completed under my direction.
I have registered my claim on disasterassistance.gov,
Case #_____________________
and am now pursuing restoration of the property at:
[ADDRESS]
[LEGAL DESCRIPTION OF PROPERTY]
As the property is uninhabitable in it's current state, I am freezing all expenditures of principal or interest, and applying those resources to restoration, until receiving a new certificate of occupancy from local regulatory officials.
As the value of the property is -0-, I am also seeking an abatement of property taxes until that time.
I am contributing to an escrow account the sum of $____________________
to be fairly settled at the conclusion of this difficulty.
Your forebearance during this period of our mutual difficulty is appreciated.
[SIGNATURE]
[NOTARY]
[COUNTY PROPERTY OFFICE DOCUMENT #]
There are already people who have taken a last look at their home from the rescue boat, stopped at the school for a sandwich, and caught the next bus to Elsewhere.
There are already a batch of analysts sitting in their cubicles and looking over their portfolio for the quickest way to convert these little data to REO property, and maybe collect an extra $10,000 in fees for the inconvenience.
If you are planning to remain in Texas or Louisiana and use whatever assets you control to restore your property, rather than send the last bit of your resources to Salt Lake City before you get on the bus to Elsewhere a year from now, consider using this affidavit to freeze your mortgage without declaring bankruptcy.
Your affidavit should be filed with your county property office, recorded and posted to the public on the bulletin board right outside the office where foreclosures go. Send the affidavit to your mortgage servicer at the address he use for Notices of Error and Qualified Written Requests (NOE/QWR). For the cost of a stamp, copy the CEO or Chief Legal Counsel at the home office. Notify your state attorney general; he likes to hear from citizens about what is going on.
Your contract is void due to force majeure, what we call Act of God. You mortgaged a habitable dwelling, in consideration for periodic payments. You no longer have a habitable dwelling, with roads, electricity, drinking water, appliances, furniture, or cable TV. When you do get back to that status, notify your mortgagee and resume making your payments.
Your mortgagee has wisely overcollateralized his portfolio, just in case, and holds many properties outside the area of this particular Act of God. He is experiencing some financial embarrassment, but he doesn't need to give up his club membership. Christmas in Tahiti is still on.
You have work to do. You need a place to live. Get on with it.
There are already a batch of analysts sitting in their cubicles and looking over their portfolio for the quickest way to convert these little data to REO property, and maybe collect an extra $10,000 in fees for the inconvenience.
If you are planning to remain in Texas or Louisiana and use whatever assets you control to restore your property, rather than send the last bit of your resources to Salt Lake City before you get on the bus to Elsewhere a year from now, consider using this affidavit to freeze your mortgage without declaring bankruptcy.
Your affidavit should be filed with your county property office, recorded and posted to the public on the bulletin board right outside the office where foreclosures go. Send the affidavit to your mortgage servicer at the address he use for Notices of Error and Qualified Written Requests (NOE/QWR). For the cost of a stamp, copy the CEO or Chief Legal Counsel at the home office. Notify your state attorney general; he likes to hear from citizens about what is going on.
Your contract is void due to force majeure, what we call Act of God. You mortgaged a habitable dwelling, in consideration for periodic payments. You no longer have a habitable dwelling, with roads, electricity, drinking water, appliances, furniture, or cable TV. When you do get back to that status, notify your mortgagee and resume making your payments.
Your mortgagee has wisely overcollateralized his portfolio, just in case, and holds many properties outside the area of this particular Act of God. He is experiencing some financial embarrassment, but he doesn't need to give up his club membership. Christmas in Tahiti is still on.
You have work to do. You need a place to live. Get on with it.
l
GROUNDHOG DAY
A lot of people thinks these groundhogs are big pests. Nobody ever sees them. They burrow along underground, eating all the roots, killing all the vegetables. They smell bad and you can't eat them. There's no meat anyway. Just every now and then, one sticks his head up and looks around, and if you're close....you can whack him! But usually you're not close enough, and when you get there he's gone! Vanished!!!
There are a few people who like groundhogs. They enjoy getting up high on a ten or twelve foot hill in Kansas and looking around, six hundred yards to the north, eight hundred yards south, twelve fifty east, nine hundred west...just waiting for one of these little bastards to stick up his head somewhere.
A dark spot, momentarily, in a field of green.
Lock in the bolt....S-Q-U-E-E-Z-Z-E-E the trigger...KABOOM!
Another Mole Done Gone!
One less groundhog on God's Green Earth.
No, you can't kill them all in an afternoon. There's too many.
But you can kill them one at a time.
Actually...they're kind of fun.
http://www.lienforms.org/home.html
GROUNDHOG DAY
A lot of people thinks these groundhogs are big pests. Nobody ever sees them. They burrow along underground, eating all the roots, killing all the vegetables. They smell bad and you can't eat them. There's no meat anyway. Just every now and then, one sticks his head up and looks around, and if you're close....you can whack him! But usually you're not close enough, and when you get there he's gone! Vanished!!!
There are a few people who like groundhogs. They enjoy getting up high on a ten or twelve foot hill in Kansas and looking around, six hundred yards to the north, eight hundred yards south, twelve fifty east, nine hundred west...just waiting for one of these little bastards to stick up his head somewhere.
A dark spot, momentarily, in a field of green.
Lock in the bolt....S-Q-U-E-E-Z-Z-E-E the trigger...KABOOM!
Another Mole Done Gone!
One less groundhog on God's Green Earth.
No, you can't kill them all in an afternoon. There's too many.
But you can kill them one at a time.
Actually...they're kind of fun.
http://www.lienforms.org/home.html