Das Haus ist weg,die Schulden nicht
Es stimmt gar nicht,dass man in USA so einfach sein Haus verlassen kann und weiter zieht,wenn man nicht mehr zahlen kann oder will.Vielmehr verkaufen die Banken offenbar diese verlassenen Häuser an Geldhaie,die dann den ehemaligen Eigentümern die Rechnung präsentieren.Denn die Banken wollen ja nicht ihren Ruf ruinieren.
es gibt einen richtigen Markt dafür diese Häuser aufzukaufen und die Schulden einzutreiben,für 2 cent /Dollar kriegt man sie,faule Kreditkarten kosten 7Cent/Dollar
s.Bericht der WSJ:
http://online.wsj.com/article_email/...MyQjAxMTAxMDAwMTEwNDEyWj.html?
LEHIGH ACRES, Fla.—Joseph Reilly lost his vacation home here last year when he was out of work and stopped paying his mortgage. The bank took the house and sold it. Mr. Reilly thought that was the end of it.
In June, he learned otherwise. A phone call informed him of a court judgment against him for $192,576.71.
It turned out that at a foreclosure sale, his former house fetched less than a quarter of what Mr. Reilly owed on it. His bank sued him for the rest.
The result was a foreclosure hangover that homeowners rarely anticipate but increasingly face: a "deficiency judgment."
Forty-one states and the District of Columbia permit lenders to sue borrowers for mortgage debt still left after a foreclosure sale. The economics of today's battered housing market mean that lenders are doing so more and more
"Now there are foreclosures that leave banks holding the bag on more than $100,000 in debt," says Michael Cramer, president and chief executive of Dyck O'Neal Inc., an Arlington, Texas, firm that invests in debt. "Before, it didn't make sense [for banks] to expend the resources to go after borrowers; now it doesn't make sense not to."
Indeed, $100,000 was roughly the average amount by which foreclosure sales fell short of loan balances in hundreds of foreclosures in seven states reviewed by The Wall Street Journal. And 64% of the 4.5 million foreclosures since the start of 2007 have taken place in states that allow deficiency judgments.....
und hier:
.....There is now a growing secondary market for these bad mortgages (or is that terciary or 'n-ary by now?, remember the packaging or prime and sub-prime martgages?). Sophisticated investors are "ravenous for this debt and ramping up their purchases,". Deficiency judgments will eventually be also bundled into packages that resemble mortgage-backed securities.
The judgments sell for only about two cents on the dollar, versus seven cents for credit-card debt.
"Silverleaf Advisors LLC, a Miami private-equity firm, is one investor in battered mortgage debt. Instead of buying ready-made deficiency judgments, it buys banks' soured mortgages and goes to court itself to get judgments for debt that remains after foreclosure sales. "
http://shockedinvestor.blogspot.com/2011/10/...ay-from-mortgages.html
