Guess which responsibility shirking, dishonorable, deadbeat former neighbor of mine came strolling into my waitressing job on Tuesday with his new wife and baby?
Maurice Cousin.
Hell, I couldn’t believe it so I had to do a double take.
He’s lost some weight so he has the glow of health; so much so that I almost didn’t recognize him.
But you can’t lose the stench of dishonest living---it tends to follow you and permeate your very being.
So he, the new missus and the tot stroll on in for a meal.
The deadbeat and I lock eyes.
After much decision making, the happy family finally settles on the outdoor patio enjoying the spate of wonderful weather we’ve been enjoying lately.
Unfortunately for them that also happened to be the day I was the only server working the entire restaurant for the lunch rush. And while I literally addressed every table in the order that they were seated, I apparently wasn’t moving quick enough.
Because by the time I got to the patio they were getting up.
I apologized for the wait and actually encouraged them to stay. I also told Maurice it was good to see him.
Despite my best---and might I add professional---efforts, they left.
Damn.
I wonder if it was the wait or was it me me?
I wonder if she knows about his past fiscal irresponsibility.
I wonder if he’s ever settled that $31,000 dust up with his lawyers concerning his dissolution of his first marriage?
Unfortunately I had other tables to serve so my questions would have to wait.
Perhaps I'll see him again so I'll be able to ask.
Showing posts with label Maurice Cousin. Show all posts
Showing posts with label Maurice Cousin. Show all posts
Sunday, April 27, 2008
Wednesday, October 31, 2007
The Enemy Within
If you’ve been a loyal and regular reader of this blog, you already know that I have little love for “investors” who buy into our happy home.
Plus it just burns my biscuits that someone makes our home their commercial enterprise.
As an association we’ve had trouble with “investors” before and we’ve luckily got those past issues under control.
Yet there’s always one pain in the ass. One person who has to keep it interesting and not make any attempt to be neighborly or abide by the minimal rules we have around this joint.
Ms. Realtor is that person.
Ms. Realtor is an owner of a unit that she rented out in the past and now has placed on the market
From what I understand she owes the association in excess of $1,000 in back assessments.
I get being a couple months behind---hey, we’ve all been there---but over $1,000?
Might I add she owes us this money AND she had the place rented out for a while. There was no good reason why she couldn’t of paid her assessments.
Moreover getting any type of meaningful communication out of her is like hitting your head against a brick wall.
So if her financial shit was hitting the fan, she at least could of given us a “heads up” on the assessment tip.
We understand that people have drama in the money department from time to time. No one is immune from that.
But from what I understand we couldn’t even get an odd e-mail much less the money that we’re legally owed.
So now it gets ugly.
If there’s not a lien on the property one will placed on it soon enough.
And in the interest of disclosure, one association member even threatened to go to one of the owner’s open houses and let her potential clients know about her deadbeat ways.
I personally think that’s going too far---but she already put it out there.
Why waste your time threatening someone and have a potential trespassing beef to deal with when there are so many other effective ways to get your point across?
I’m sure there’s some type of ethical violation that I’m sure the state real estate licensing board would be interested in hearing about.
But then again, maybe not; who knows? I’m sure someone is investigating that angle.
You see our bills can’t wait until the property sells in order to collect our money.
I can’t speak to Ms. Realtor’s motivation for not paying her assessments but in the past, when we’ve found ourselves in this same situation we’d often get the “We’ll pay when the property sells” line.
Well that’s all fine and well until no one has any hot water to shower with because People’s Energy hasn’t been paid.
But investor’s don’t worry about that because they don’t live here.
Past experience has also taught me that the people who try to take advantage of us usually tend to look like us.
Or at the very least they’re people of color.
Our developer, the deadbeats, Maurice Cousin---all the people who broke dirty with this association happened to be black.
Sorry to get all Bill Cosby and air out our laundry but---if you’ll excuse the pun---let’s call a spade a spade.
While I could go on forever about black on black relations, it’s easier to compare it to Don Imus getting fired for calling the Rutgers women’s basketball team a bunch of nappy headed ho’s and Isaiah Thomas explaining in a deposition when a black man refers to a black woman as a bitch it may be less offensive than a white man referring to a black woman as a bitch.
We’ve swatted down a whole bunch of Isaiah’s in the past, I hope Ms. Realtor doesn’t turn out to be another.
I have seen the enemy and it is us.
Plus it just burns my biscuits that someone makes our home their commercial enterprise.
As an association we’ve had trouble with “investors” before and we’ve luckily got those past issues under control.
Yet there’s always one pain in the ass. One person who has to keep it interesting and not make any attempt to be neighborly or abide by the minimal rules we have around this joint.
Ms. Realtor is that person.
Ms. Realtor is an owner of a unit that she rented out in the past and now has placed on the market
From what I understand she owes the association in excess of $1,000 in back assessments.
I get being a couple months behind---hey, we’ve all been there---but over $1,000?
Might I add she owes us this money AND she had the place rented out for a while. There was no good reason why she couldn’t of paid her assessments.
Moreover getting any type of meaningful communication out of her is like hitting your head against a brick wall.
So if her financial shit was hitting the fan, she at least could of given us a “heads up” on the assessment tip.
We understand that people have drama in the money department from time to time. No one is immune from that.
But from what I understand we couldn’t even get an odd e-mail much less the money that we’re legally owed.
So now it gets ugly.
If there’s not a lien on the property one will placed on it soon enough.
And in the interest of disclosure, one association member even threatened to go to one of the owner’s open houses and let her potential clients know about her deadbeat ways.
I personally think that’s going too far---but she already put it out there.
Why waste your time threatening someone and have a potential trespassing beef to deal with when there are so many other effective ways to get your point across?
I’m sure there’s some type of ethical violation that I’m sure the state real estate licensing board would be interested in hearing about.
But then again, maybe not; who knows? I’m sure someone is investigating that angle.
You see our bills can’t wait until the property sells in order to collect our money.
I can’t speak to Ms. Realtor’s motivation for not paying her assessments but in the past, when we’ve found ourselves in this same situation we’d often get the “We’ll pay when the property sells” line.
Well that’s all fine and well until no one has any hot water to shower with because People’s Energy hasn’t been paid.
But investor’s don’t worry about that because they don’t live here.
Past experience has also taught me that the people who try to take advantage of us usually tend to look like us.
Or at the very least they’re people of color.
Our developer, the deadbeats, Maurice Cousin---all the people who broke dirty with this association happened to be black.
Sorry to get all Bill Cosby and air out our laundry but---if you’ll excuse the pun---let’s call a spade a spade.
While I could go on forever about black on black relations, it’s easier to compare it to Don Imus getting fired for calling the Rutgers women’s basketball team a bunch of nappy headed ho’s and Isaiah Thomas explaining in a deposition when a black man refers to a black woman as a bitch it may be less offensive than a white man referring to a black woman as a bitch.
We’ve swatted down a whole bunch of Isaiah’s in the past, I hope Ms. Realtor doesn’t turn out to be another.
I have seen the enemy and it is us.
Thursday, October 11, 2007
Deadbeat on Deck
I saw him across the bar and couldn’t believe my eyes.
Unless the Stoli was playing tricks on me, I saw the one and only Mr. Maurice Cousin at the opening of the Stoli Hotel in Chicago.
No there isn’t a real Stoli Hotel but rather a slick, big bucks promotion to re-brand and re-introduce Stoli to the national market.
You know the type of party that has all of the arbiters of cool. The hipper than thou.
So I’m sure you’re asking yourself, “Why was Woody there?”
Hell, I was asking myself the same question.
While I’m the eternal dork, I do have friends who aren't. They're my entrée in the club world.
Plus I stopped believing in paying cover years ago.
Anyhoo…
There I was at the bar and Mr. Cousin walks up and orders a drink across the way.
You know how someone gives you the “Don’t you look familiar?” look.
He gave me that look.
When I didn’t look away and continued giving him a stare that went from uncomfortable to downright hostile I think it might of jogged his memory.
Deadbeat motherfucker.
The only reason why I didn’t go complete sista girl on his trifflin’ ass was because my friend was at a work event.
Albeit a work event with pretty people and flavored vodka.
Despite my longing to cause a huge public scene I kept my karma mantra in mind.
The dirt he’s done will (or already has) come back to haunt him.
You don’t stiff your former neighbors for $7,000 via bankruptcy not get some type of metaphoric payback.
Unless the Stoli was playing tricks on me, I saw the one and only Mr. Maurice Cousin at the opening of the Stoli Hotel in Chicago.
No there isn’t a real Stoli Hotel but rather a slick, big bucks promotion to re-brand and re-introduce Stoli to the national market.
You know the type of party that has all of the arbiters of cool. The hipper than thou.
So I’m sure you’re asking yourself, “Why was Woody there?”
Hell, I was asking myself the same question.
While I’m the eternal dork, I do have friends who aren't. They're my entrée in the club world.
Plus I stopped believing in paying cover years ago.
Anyhoo…
There I was at the bar and Mr. Cousin walks up and orders a drink across the way.
You know how someone gives you the “Don’t you look familiar?” look.
He gave me that look.
When I didn’t look away and continued giving him a stare that went from uncomfortable to downright hostile I think it might of jogged his memory.
Deadbeat motherfucker.
The only reason why I didn’t go complete sista girl on his trifflin’ ass was because my friend was at a work event.
Albeit a work event with pretty people and flavored vodka.
Despite my longing to cause a huge public scene I kept my karma mantra in mind.
The dirt he’s done will (or already has) come back to haunt him.
You don’t stiff your former neighbors for $7,000 via bankruptcy not get some type of metaphoric payback.
Tuesday, May 01, 2007
Tuesday, July 11, 2006
Good Night & Good Luck
Justice is for those who can afford such luxuries.
Unfortunately while our association is in a much better position financially, we aren’t at the point where we can shell out a $7,500 retainer for a lawyer.
A lawyer who would of took the case on a contingency fee might I add.
Every lawyer or legal person I’ve spoken to has said we have an open and shut case. Slam dunk, no question.
But as I’m sure you all know because you’re up on things like that---a judgment isn’t worth the piece of paper it’s written on.
Yeah, it’s great to be able to attach it on to a credit report but we’re looking for the cash.
Cold, hard, put it in the bank account cash.
Anything less---lawsuit wise---is pointless.
I mean we just got bitch slapped by the bankruptcy trustee regarding the almost $7,000 judgment against Maurice Cousin.
While I personally like to mix it up when I know I’ve been wronged, this isn’t my call. It’s the association’s call and I can’t see those kids willing to extend more energy for the probability of a less than stellar result.
Being fair has nothing to do with justice.
Personally I don’t want to get all Bart Ross on this issue either.
I’m not trying to make light of the pain that psycho cause Judge Lefkow’s family but rather to underscore that sometime you need to know when to when to let it go.
No matter how right you may be or feel you may be.
When you make an issue your number one priority it can consume your very existence until there’s nothing left.
Carlton Knight isn’t worth my soul.
God knows, if he believes in such things, he’s going to have a hard enough time saving his own.
As I’ve said before karma is a motherfucker.
Now don’t think I won’t be persuaded to get back in the fight if a cool $10K or excellent free legal representation drops out of the sky (wouldn’t we make a great pro bono case, hint, hint) but the chances of that are remote.
It’s not that the dog isn’t hunting anymore but rather needed to take a rest after all of that hunting.
I’m sure the scent will get picked up again in the near future.
Unfortunately while our association is in a much better position financially, we aren’t at the point where we can shell out a $7,500 retainer for a lawyer.
A lawyer who would of took the case on a contingency fee might I add.
Every lawyer or legal person I’ve spoken to has said we have an open and shut case. Slam dunk, no question.
But as I’m sure you all know because you’re up on things like that---a judgment isn’t worth the piece of paper it’s written on.
Yeah, it’s great to be able to attach it on to a credit report but we’re looking for the cash.
Cold, hard, put it in the bank account cash.
Anything less---lawsuit wise---is pointless.
I mean we just got bitch slapped by the bankruptcy trustee regarding the almost $7,000 judgment against Maurice Cousin.
While I personally like to mix it up when I know I’ve been wronged, this isn’t my call. It’s the association’s call and I can’t see those kids willing to extend more energy for the probability of a less than stellar result.
Being fair has nothing to do with justice.
Personally I don’t want to get all Bart Ross on this issue either.
I’m not trying to make light of the pain that psycho cause Judge Lefkow’s family but rather to underscore that sometime you need to know when to when to let it go.
No matter how right you may be or feel you may be.
When you make an issue your number one priority it can consume your very existence until there’s nothing left.
Carlton Knight isn’t worth my soul.
God knows, if he believes in such things, he’s going to have a hard enough time saving his own.
As I’ve said before karma is a motherfucker.
Now don’t think I won’t be persuaded to get back in the fight if a cool $10K or excellent free legal representation drops out of the sky (wouldn’t we make a great pro bono case, hint, hint) but the chances of that are remote.
It’s not that the dog isn’t hunting anymore but rather needed to take a rest after all of that hunting.
I’m sure the scent will get picked up again in the near future.
Thursday, June 15, 2006
An Appropriate Quote
I found this quote from Hugh Jackman in the June edition of "O" magazine:
"Not everything I do will be successful. But I can live with a failure if it is born of conviction."
Kind of appropriate (and timely) considering this Maurice Cousin bankruptcy business.
"Not everything I do will be successful. But I can live with a failure if it is born of conviction."
Kind of appropriate (and timely) considering this Maurice Cousin bankruptcy business.
Wednesday, June 14, 2006
Justice Denied
Mr. Robert B. Katz, Esq has completely screwed us.
I’m sure he’s a nice man and I’m sure he’s great at his job(s) but to blow our judgment against a deadbeat like Maurice Cousin out of the water is almost too much to bear.
You see Mr. Katz in a bankruptcy trustee in the northern district of Illinois.
He was the person solely responsible for deciding a “no asset” finding in Mr. Cousin’s Chapter 7 bankruptcy case.
What that unfortunately means for us is that Mr. Cousin will be allowed to dismiss the judgment we have against him for back assessments and the special assessment.
All of that work, plus all of those legal fees are down the drain and there is not one fucking thing we can do about it.
Then of course no one ever promised us a rose garden.
It doesn’t matter that we need the almost $7,000 judgment.
It doesn’t matter that Mr. Cousin effectively rented his unit to individuals of questionable character while in the midst of his foreclosure.
Don’t even get me going down that path on a rant…
It doesn’t matter that Mr. Cousin has a job and we were thisclose to throwing a garnishment on his wages.
None of this apparently didn’t (or can’t) factor into the Mr. Katz’s decision.
I’m sure our attorney advocated our cause to the best of his ability during the creditor’s meeting.
We may be getting the business end of a donkey kick but Mr. Cousin’s financial woes aren’t over yet.
Another lawsuit was filed against him on March 30th by a law firm.
Apparently they seemed to be a little miffed that Mr. Cousin hasn’t paid them the $31,308.25 that he owes.
Also to the best of my knowledge, he has not amended his bankruptcy filing to include that debt.
I hope the nice law firm people serve his balls to him on a plate. Go get ‘em tigers.
That wild cheering you hear from afar will be me urging you on.
By the way, if I ever find out and can prove that Mr. Cousin was lying to the bankruptcy court in that meeting, the association will have a fraud complaint slapped on him so fast it will make his head spin.
Oh yeah, Maurice---if you’re reading this little post---I have a special message for you.
Paraphrasing from the indomitable Ms. Celie of the novel, The Color Purple:
“Till you do right by us, everything you think about gonna fail.”
Take that karma to the bank you triflin’ bastard.
I’m sure he’s a nice man and I’m sure he’s great at his job(s) but to blow our judgment against a deadbeat like Maurice Cousin out of the water is almost too much to bear.
You see Mr. Katz in a bankruptcy trustee in the northern district of Illinois.
He was the person solely responsible for deciding a “no asset” finding in Mr. Cousin’s Chapter 7 bankruptcy case.
What that unfortunately means for us is that Mr. Cousin will be allowed to dismiss the judgment we have against him for back assessments and the special assessment.
All of that work, plus all of those legal fees are down the drain and there is not one fucking thing we can do about it.
Then of course no one ever promised us a rose garden.
It doesn’t matter that we need the almost $7,000 judgment.
It doesn’t matter that Mr. Cousin effectively rented his unit to individuals of questionable character while in the midst of his foreclosure.
Don’t even get me going down that path on a rant…
It doesn’t matter that Mr. Cousin has a job and we were thisclose to throwing a garnishment on his wages.
None of this apparently didn’t (or can’t) factor into the Mr. Katz’s decision.
I’m sure our attorney advocated our cause to the best of his ability during the creditor’s meeting.
We may be getting the business end of a donkey kick but Mr. Cousin’s financial woes aren’t over yet.
Another lawsuit was filed against him on March 30th by a law firm.
Apparently they seemed to be a little miffed that Mr. Cousin hasn’t paid them the $31,308.25 that he owes.
Also to the best of my knowledge, he has not amended his bankruptcy filing to include that debt.
I hope the nice law firm people serve his balls to him on a plate. Go get ‘em tigers.
That wild cheering you hear from afar will be me urging you on.
By the way, if I ever find out and can prove that Mr. Cousin was lying to the bankruptcy court in that meeting, the association will have a fraud complaint slapped on him so fast it will make his head spin.
Oh yeah, Maurice---if you’re reading this little post---I have a special message for you.
Paraphrasing from the indomitable Ms. Celie of the novel, The Color Purple:
“Till you do right by us, everything you think about gonna fail.”
Take that karma to the bank you triflin’ bastard.
Sunday, April 30, 2006
Chickens Coming Home to Roost
D-Day for one of our former owners is coming on Thursday
That’s the day he has the creditor’s meeting for his bankruptcy. He’s trying to beat us out of the money that he owes.
But I’m getting ahead of myself.
Last year the realization of our financial state was dawning on us and we knew that we had to go after some of the money that was owed to the association. It was simply too much cash to let go without a fight.
Some of the foreclosures had already gone through but despite those facts, it still didn’t erase the back assessments owed by the former owners.
Our test case, so to speak, would be one of the two owners that had yet to be foreclosed upon at the time.
His name is Maurice Cousin.
We filed a civil lawsuit against Mr. Cousin and received a judgment for $6,417.50.
What makes this particular case among the deadbeats stand out is that Mr. Cousin not only gave us the middle finger financially but the fact that he just did us so foul bears repeating.
A person being in financial trouble is not a new story to anyone. Hell, I’ve been through a few scrapes myself; nonetheless the higher issue is that you eventually pull yourself out of the hole that you dug.
I had to do it---words cannot describe how much it sucked.
It’s still a challenge to stay one step ahead of the bills but like everything in life you make a choice.
Admitting mistakes and poor decisions and then rectifying those mistakes is a part of life.
If I had to do it, why shouldn’t our errant owners “man up” and do the same?
Not Mr. Cousin.
Not only did he attempt to sell his condo prior to the foreclosure sale being final (we had a lien against the property), but when he couldn’t sell it he rented it out to some “friends.”
Kind readers, you wouldn’t want “friends” like this going in and out of your home---trust me.
No one can say for sure exactly what was going on in the unit or who actually signed the “lease” but there did seem to be a great deal of comings and goings at night and when a majority of us were at work.
I know, I know---it raised our eyebrows as well.
When the foreclosure became final and the new mortgage company owners gained access the to the unit there was an unmade mattress and box spring in the living room.
A few condom wrappers were strewn about.
As I stated, no one can say for sure what exactly had been going on in the unit but my neighbor and I viewed the contents of the living room and just shook our heads.
For the record, the bedrooms---where the bed should have been---were empty except for a few personal objects in the closet.
The dining room had a few things scattered about but no table or chairs. The kitchen had old bags of trash sitting by the back door.
The place needed a good cleaning.
How fucking gully is that? Even if you don’t like your neighbors how can you attempt to not only beat them out of cash but to “rent” out your unit.
His filing bankruptcy was only icing on the cake.
I knew that the sum of his behaviors would eventually equal that bitch ass move.
The part I find personally interesting is that a law firm is also suing him for $31,308.25. It makes the mind whirl, no?
That’s the day he has the creditor’s meeting for his bankruptcy. He’s trying to beat us out of the money that he owes.
But I’m getting ahead of myself.
Last year the realization of our financial state was dawning on us and we knew that we had to go after some of the money that was owed to the association. It was simply too much cash to let go without a fight.
Some of the foreclosures had already gone through but despite those facts, it still didn’t erase the back assessments owed by the former owners.
Our test case, so to speak, would be one of the two owners that had yet to be foreclosed upon at the time.
His name is Maurice Cousin.
We filed a civil lawsuit against Mr. Cousin and received a judgment for $6,417.50.
What makes this particular case among the deadbeats stand out is that Mr. Cousin not only gave us the middle finger financially but the fact that he just did us so foul bears repeating.
A person being in financial trouble is not a new story to anyone. Hell, I’ve been through a few scrapes myself; nonetheless the higher issue is that you eventually pull yourself out of the hole that you dug.
I had to do it---words cannot describe how much it sucked.
It’s still a challenge to stay one step ahead of the bills but like everything in life you make a choice.
Admitting mistakes and poor decisions and then rectifying those mistakes is a part of life.
If I had to do it, why shouldn’t our errant owners “man up” and do the same?
Not Mr. Cousin.
Not only did he attempt to sell his condo prior to the foreclosure sale being final (we had a lien against the property), but when he couldn’t sell it he rented it out to some “friends.”
Kind readers, you wouldn’t want “friends” like this going in and out of your home---trust me.
No one can say for sure exactly what was going on in the unit or who actually signed the “lease” but there did seem to be a great deal of comings and goings at night and when a majority of us were at work.
I know, I know---it raised our eyebrows as well.
When the foreclosure became final and the new mortgage company owners gained access the to the unit there was an unmade mattress and box spring in the living room.
A few condom wrappers were strewn about.
As I stated, no one can say for sure what exactly had been going on in the unit but my neighbor and I viewed the contents of the living room and just shook our heads.
For the record, the bedrooms---where the bed should have been---were empty except for a few personal objects in the closet.
The dining room had a few things scattered about but no table or chairs. The kitchen had old bags of trash sitting by the back door.
The place needed a good cleaning.
How fucking gully is that? Even if you don’t like your neighbors how can you attempt to not only beat them out of cash but to “rent” out your unit.
His filing bankruptcy was only icing on the cake.
I knew that the sum of his behaviors would eventually equal that bitch ass move.
The part I find personally interesting is that a law firm is also suing him for $31,308.25. It makes the mind whirl, no?
Tuesday, April 25, 2006
Access
If you’ve been a faithful reader of I Hate My Developer you also know that I’m not a big fan of four of our former owners.
I refer to them as the deadbeats.
In the past I’ve talked about their slow assessment payments, non-assessment payments and foreclosures in great detail.
In fact, I wouldn’t be surprised if they know about and read this blog.
Like I care.
Their foreclosures (and now bankruptcies) are public record.
Moreover, all of them still owe us quite a bit of money. Their debt hasn’t gone away so neither will we. No amount of time or foreclosures will change that.
You would think that in order to let everyone move on they’d go ahead and find a way to contact us, ask how much they owe, cut a cashier’s check and call it a day.
Oh no, it simply can’t be that easy. Everybody wants to be a big baller, shot caller.
Fuck the condo association where you made money. It’s not their primary residences so why should they care?
These experiences got me wondering, “Why are irresponsible landlords in the CHAC program allowed to feed at the public trough at fellow taxpayer’s expense?"
The ultimate loser in this high stakes game of lord of the manor is the renter who, at least in our situations, doesn’t find out about the foreclosure until it’s too late.
Basically there is no allowance or consideration in the CHAC rules for landlords who don’t pay their association fees.
CHAC aggressively monitors the property owners in its program to make sure that they’re paying their county property taxes but not so much for foreclosures and non-payment of assessments.
What that could hypothetically mean is that you could be in foreclosure and behind in your assessments and unless someone reported this to CHAC, they would be none the wiser.
Naturally it wouldn’t take long before someone recognized this little discrepancy and started asking questions.
It was just simply a matter of time before those high enough up on the food chain heard those questions.
It boiled down to introductions and access.
I refer to them as the deadbeats.
In the past I’ve talked about their slow assessment payments, non-assessment payments and foreclosures in great detail.
In fact, I wouldn’t be surprised if they know about and read this blog.
Like I care.
Their foreclosures (and now bankruptcies) are public record.
Moreover, all of them still owe us quite a bit of money. Their debt hasn’t gone away so neither will we. No amount of time or foreclosures will change that.
You would think that in order to let everyone move on they’d go ahead and find a way to contact us, ask how much they owe, cut a cashier’s check and call it a day.
Oh no, it simply can’t be that easy. Everybody wants to be a big baller, shot caller.
Fuck the condo association where you made money. It’s not their primary residences so why should they care?
These experiences got me wondering, “Why are irresponsible landlords in the CHAC program allowed to feed at the public trough at fellow taxpayer’s expense?"
The ultimate loser in this high stakes game of lord of the manor is the renter who, at least in our situations, doesn’t find out about the foreclosure until it’s too late.
Basically there is no allowance or consideration in the CHAC rules for landlords who don’t pay their association fees.
CHAC aggressively monitors the property owners in its program to make sure that they’re paying their county property taxes but not so much for foreclosures and non-payment of assessments.
What that could hypothetically mean is that you could be in foreclosure and behind in your assessments and unless someone reported this to CHAC, they would be none the wiser.
Naturally it wouldn’t take long before someone recognized this little discrepancy and started asking questions.
It was just simply a matter of time before those high enough up on the food chain heard those questions.
It boiled down to introductions and access.
Monday, November 28, 2005
Fini
Our association's third foreclosure sale finally went through a few hours ago.
As with the previous two, the company that held the mortgage purchased the unit. Naturally there was no surplus of funds to satisfy the lien that we put on Mr. Cousin's property. We're ass out of luck with respect to that but may have another avenue for recovery of those funds.
So if you've been keeping score at home, three down---one to go.
God give us strength.
As with the previous two, the company that held the mortgage purchased the unit. Naturally there was no surplus of funds to satisfy the lien that we put on Mr. Cousin's property. We're ass out of luck with respect to that but may have another avenue for recovery of those funds.
So if you've been keeping score at home, three down---one to go.
God give us strength.
Sunday, November 20, 2005
When It Rains, It Pours
One of my neighbors called this morning with some interesting news.
The owner of our third foreclosure had a reason for not wanting the process to be finalized a few weeks ago---he has a renter in the unit.
For clarification's sake and also because it's a matter of public record, the name of our soon to be foreclosed upon owner is Maurice Cousin.
When my neighbor was out and about yesterday, she ran into Mr. Cousin's former realtor. He had the place on the market for several months in the hopes of trying to unload the property before it the final boom was lowered. In the course of the conversation the relator stated that Mr. Cousin had indeed rented out his unit to "a friend" on the downlow.
The foreclosure was supposedly delayed until November 28th. You can't keep staving off the inevitable with flimsy excuses and bullshit emergency motions.
I guess the downlow isn't so downlow anymore.
The owner of our third foreclosure had a reason for not wanting the process to be finalized a few weeks ago---he has a renter in the unit.
For clarification's sake and also because it's a matter of public record, the name of our soon to be foreclosed upon owner is Maurice Cousin.
When my neighbor was out and about yesterday, she ran into Mr. Cousin's former realtor. He had the place on the market for several months in the hopes of trying to unload the property before it the final boom was lowered. In the course of the conversation the relator stated that Mr. Cousin had indeed rented out his unit to "a friend" on the downlow.
The foreclosure was supposedly delayed until November 28th. You can't keep staving off the inevitable with flimsy excuses and bullshit emergency motions.
I guess the downlow isn't so downlow anymore.
Monday, November 07, 2005
Joker's Wild
Nothing can ever be easy with our condo association.
Our third foreclosure that was scheduled to happen last Wednesday has been delayed until the end of the month. The current owner filed a last minute motion in court on the day of the foreclosure sale.
Please also note that this joker owes us back regular assessments and the special assessment. Yet he somehow either has the resources or convinced a lawyer to do work on his behalf.
Apparently the motion stated that the owner was “trying to work something out with the mortgage company.” He won’t let it go---he can’t just let it be done.
Forget the fact that he’s completely screwed all of us by not shouldering his fair share of the financial load. Forget the fact that the unit was on the market (and still may be) and hasn’t sold. Forget the fact that it’s another unit that sits empty. The most important thing about the foreclosure is the new owner, whether it’s a mortgage companies or an individual, give us an opportunity to collect assessments. Every month the unit is tied up in legal foreclosure limbo, is another month we can’t collect assessments.
Unbelievable.
Our third foreclosure that was scheduled to happen last Wednesday has been delayed until the end of the month. The current owner filed a last minute motion in court on the day of the foreclosure sale.
Please also note that this joker owes us back regular assessments and the special assessment. Yet he somehow either has the resources or convinced a lawyer to do work on his behalf.
Apparently the motion stated that the owner was “trying to work something out with the mortgage company.” He won’t let it go---he can’t just let it be done.
Forget the fact that he’s completely screwed all of us by not shouldering his fair share of the financial load. Forget the fact that the unit was on the market (and still may be) and hasn’t sold. Forget the fact that it’s another unit that sits empty. The most important thing about the foreclosure is the new owner, whether it’s a mortgage companies or an individual, give us an opportunity to collect assessments. Every month the unit is tied up in legal foreclosure limbo, is another month we can’t collect assessments.
Unbelievable.
Tuesday, September 27, 2005
The Deadbeats
Assuming my math is correct and not counting attorney's fees, billables and expenses the four owners in foreclosure owe us approximately
$9,703.50
Obviously that number very well may double when the remainders of the special assessment totals are thrown into the mix.
$9,703.50
Obviously that number very well may double when the remainders of the special assessment totals are thrown into the mix.
Monday, September 26, 2005
Mystery
The fourth unit owner in foreclosure is something of a mystery.
I know he has a job yet he not only stopped paying his mortgage but also stopped actually living in his unit well over a year ago. In keeping with the trend set by the rest of our other non-resident owners in foreclosure, he is also severely behind in his assessments.
I will say this---he did give us a chunk of money earlier this year but hasn’t paid a dime since.
As if our bills get paid on his time table.
I’ve stated in an earlier post that I’ve been in the none too enviable spot of being behind in my assessments as well. I very can’t call people to the carpet about their irresponsibility if I don’t acknowledge my own shortcomings.
That being said, the big difference between my situation and my foreclosed upon neighbor’s situations is that I never once attempted to duck, dodge or hide from my financial responsibilities. I met with the board when they requested to see me, we hammered out an agreement, and I not only kept to the agreement but paid my arrearage off early.
But then of course that’s just me.
I have an even deeper appreciation of making sure that assessments get paid in a timely manner now that I actually sit on the board.
The fourth unit owner---his name is Maurice Cousin by the way---has put his unit on the market despite his foreclosure. Before, anyone asks---yes he can do that as he is still the legal owner of the property.
If you’d like to look up the case in the county clerk’s file go to case number 2005-CH-03798.
His actions are curious, no?
I know he has a job yet he not only stopped paying his mortgage but also stopped actually living in his unit well over a year ago. In keeping with the trend set by the rest of our other non-resident owners in foreclosure, he is also severely behind in his assessments.
I will say this---he did give us a chunk of money earlier this year but hasn’t paid a dime since.
As if our bills get paid on his time table.
I’ve stated in an earlier post that I’ve been in the none too enviable spot of being behind in my assessments as well. I very can’t call people to the carpet about their irresponsibility if I don’t acknowledge my own shortcomings.
That being said, the big difference between my situation and my foreclosed upon neighbor’s situations is that I never once attempted to duck, dodge or hide from my financial responsibilities. I met with the board when they requested to see me, we hammered out an agreement, and I not only kept to the agreement but paid my arrearage off early.
But then of course that’s just me.
I have an even deeper appreciation of making sure that assessments get paid in a timely manner now that I actually sit on the board.
The fourth unit owner---his name is Maurice Cousin by the way---has put his unit on the market despite his foreclosure. Before, anyone asks---yes he can do that as he is still the legal owner of the property.
If you’d like to look up the case in the county clerk’s file go to case number 2005-CH-03798.
His actions are curious, no?
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