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Does safety trump responsibility in this situation? UPDATE
UPDATE: So, the Marshalls returned with the Sheriff (about 8 guys total) and they went through the bushed behind our condo building and they banged on the door "Open Up," and I was looking through the peep hole at dudes with bullet proof vests on and their guns drawn. The fugitive wasn't there. There are neighbors outside trying to figure out what's going on. It's quite a spectacle. Anyway, just a quick update on the situation.
We bought our condo about 4.5 years ago. We moved from Lynnwood to Federal Way. Our complex is nice, but the area isn't the best. We didn't realize this until we were here for a while. There have been car break ins and a gal was mugged by another building of our complex a couple years ago. I know you'll find a level of that everywhere. Anyway, I am home and babysitting a little girl. I hear a knock at the door, I open it with my dog close just in case. It's the US Marshall fugitive task force telling me that the daughter of our neighbors (who is like 20ish), her boyfriend is a fugitive and "it's pretty bad." They ask me some questions, want to come in (which I decline - I told them they can return when my husband is home), etc.
I am freaked out. He was pretty much living there until very recently when apparently he was arrested (and just escaped their custody), and she's been up to no good on more than one occasion.
We are upside down on our condo. We have paid down a good portion of our mortgage, but we bought at the height of the market and there are several units that have just been abandoned in our complex that the banks are selling for almost nothing.
The only way we can get out of here is to let it be foreclosed on. I have worked hard my whole life to keep my credit in good standing, so it would be heartbreaking to me to take such a hit. BUT, I have a 6 year old son and we would like to have another baby. There is nothing wrong with the physical structure of our condo, but this is our direct next door neighbor. I don't know what "it's pretty bad means," but I am going to have James call the marshall tonight and see if he can get some more information.
Anyway, in this type of situation what would you do? And, tell me if I'm just being dramatic. I can take it. It would actually make me feel better if I were just being dramatic.
TTC #2 for a million years: SA normal, CD 23 bloodwork shows nothing amiss, ovulation detected. Next step: ? maybe CD3 bloodwork to check eggs? All out of pocket, so limited IF tests/treatments.
Re: Does safety trump responsibility in this situation? UPDATE
Definitely not being dramatic!
Is it possible to rent your condo out? Even if it means you still have to cover a few hundred of your mortgage?
Maybe that would be an option to get yourself and your family into a safer place.
TTC #2 for a million years: SA normal, CD 23 bloodwork shows nothing amiss, ovulation detected. Next step: ? maybe CD3 bloodwork to check eggs? All out of pocket, so limited IF tests/treatments.
i think you're going to get bad things wherever you are...while this might be slightly worse than a "normal" situation, other people have survived these kinds of things unharmed.
if he was a predator to your child, you would be informed. i would consistently check crimereports.com to get more info about your neighbors (although it's not complete, and is delayed by 30 days i think), you can get *some* info at least.
i would educate your son thoroughly about not talking to strangers, etc, and to never do anything that makes him feel uncomfortable. basic stuff you've probably already taught him, but be sure it's reinforced clearly.
how far are you upside down? at the current rate, how long would it take you to *not* be under water anymore? personally, i wouldn't take the hit on my credit, unless the person that lived there physically/directly feared me in one way or another. as in...he gives you dirty looks when you walk down the hall.....you hear objects being thrown in the room next door etc.....
one of my former coworkers was once talking about buying a new house, paying it for a few months, then walking away from his current house. i don't know if that works, but maybe you can look into that? after you secure your new housing, i would feel more comfortable. i wouldn't want to uproot suddenly, into temporary (apartment/renting) housing.
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TTC #2 for a million years: SA normal, CD 23 bloodwork shows nothing amiss, ovulation detected. Next step: ? maybe CD3 bloodwork to check eggs? All out of pocket, so limited IF tests/treatments.
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Same, everything amandasw said.
If you can rent it it might be worth it. If you can rent it enough to cover the rest of your mortgage and hoa dues, that'd be nice too. Is that possible at all?
In order to buy our new house, we decided (instead of selling my old house) that we'd rent it out, and took a mortgage out on it (cause it was in the clear). So now the rental income covers the new mortgage against the house and then some. It was incredibly stressful at the time when we were negotiating things with our broker and the banks, but in the end, it worked out pretty well and if you're so close to paying off the mortgage, it would mean extra income in the long term?
Is it also possible to talk with the HOA? There must be some entity governing the condo complex if you're paying dues? Would it be worth it to discuss bumping up the HOA dues in order to provide a safer environment for all? I can't imagine you're the only person that's completely disconcerted by a federal marshall showing up on your doorstep? Would that help possibly?
this is a really great idea
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1) Renting is the best and easiest option. You will probably have to rent at a loss, but there are a lot of people out there doing that right now.
2) Talk to institution that holds your mortgage. You could do a short sale or transfer title in lieu of foreclosure. Either way you would have a loan for the remainder of the difference the bank sold it for.
3) Foreclosure, it sounds terrible, but depending on how far underwater you guys are it might not be a bad option. With some condos there are people that will almost never get out from underwater.
If you consider options two or three I would seek the advice of a real estate attorney and if you have a second mortgage on your home you pretty much have to file bankruptcy to walk away, the lender can sue you for the amount of that second mortgage.
Good luck!
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