(WSVN) – When she went to the financial institution to get a mortgage to renovate her dwelling, she was instructed there was a lien on her property she needed to pay. Her reply? “That’s not my lien on my home.” What do you do in a case like that? Let’s lean on Assist Me Howard with Patrick Fraser to seek out out.
Previous properties are particular.
Shantal Barillas: “I do get pleasure from it. It’s an enormous home. It’s good for household. My household’s fairly huge.”
Shantal’s home was in-built 1945. One other factor about outdated properties: They want a bit work.
Shantal Barillas: “I did exchange the roof of my home. We changed the kitchen as a result of it was 25 years outdated.”
Shantal took cash from her financial savings for these initiatives and subsequent wanted to redo her 80-year-old unique hardwood flooring.
Shantal Barillas: “You see that darkish spot? All that must be changed.”
To pay for it, she headed to the financial institution to get a house fairness line. As a substitute, she obtained a surprising request.
Shantal Barillas: “‘We simply want you to take away the lien out of your property so as to lend you any cash.’”
She was instructed the lien got here from a foul verify her ex-husband cashed again in 2015. The issue?
Shantal Barillas: “This isn’t my drawback. We obtained divorced in 2009. That is one thing that had occurred in 2015, so it has don’t have anything to do with me.”
The financial institution insisted the lien attempting to gather $13,515 was on her home. She defined it’s not her ex’s home, it’s solely in her title.
Shantal Barillas: “Sure, I’m the seller. It’s simply me, myself and I.”
Shantal stated the financial institution wouldn’t budge.
Shantal Barillas: “Like I stated to the financial institution, ‘That isn’t me.’ ‘Effectively, the lien is in your property. All you bought to do is take away the lien or pay the lien to ensure that us to provide the line of credit score.’”
Shantal wasn’t about to pay a $13,000-plus debt that wasn’t hers, so she contacted her ex and requested him to name the regulation agency who was attempting to gather the cash from him.
Shantal Barillas: “‘That’s my ex-wife. She has nothing to do with this,’ and [the law firm’s] response was, ‘I’ll name you again,’ which he has not responded to him but.”
Shantal can’t get the mortgage, can’t end the flooring, and her quest to seek out out a couple of lien isn’t going anyplace, both.
Shantal Barillas: “It’s very humiliating for me.”
Effectively, is Shantal’s intestine feeling proper, Howard?
Howard Finkelstein: “Sure. It’s towards the regulation to position a lien on somebody’s property except you may have a judgment towards them. On this case, it seems somebody within the lending course of made a mistake and didn’t see that her ex-husband gave up his curiosity in the home within the early 2000s, making her the only proprietor of the property.”
I searched the court docket information. I couldn’t discover a lien towards her ex on Shantal’s property.
I contacted the legal professional attempting to gather the $13,000-plus from Shantal’s ex. He stated, “I’ve no document of such a lien towards a former spouse,” and, “I don’t assume it’s doable” to do this.
I spoke to the financial institution consultant. For privateness causes, they may not focus on Shantal’s case, however to clear issues up with the financial institution, we dug up the deed to the property and Shantal’s divorce doc to show solely she owns the house.
The following step is in Shantal’s fingers.
Shantal Barillas: “As you see, we began eradicating the wooden.”
Whereas looking, I did discover one other authorized hurdle for Shantal to take care of earlier than she will get the mortgage. She stated she is going to handle it.
And the way are you aware if there’s a lien or isn’t a lien in your property? Test the county recorder’s information.
The hyperlinks to do this in Dade, Broward and Monroe counties are underneath this Assist Me Howard story.
Married to an issue you need to divorce your self from? Want somebody to lien on? Mortgage it to us. Hopefully we will financial institution on an answer.
With this Assist Me Howard, I’m Patrick Fraser 7News.
CONTACT HELP ME HOWARD:
E-mail: helpmehoward@wsvn.com
Reporter: Patrick Fraser at pfraser@wsvn.com
Miami-Dade: 305-953-WSVN
Broward: 954-761-WSVN
RECORDER’S RECORD:
Miami-Dade Web site
Broward Web site
Monroe Web site
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