Case Study Solari Ave Stockton, Divorce, Foreclosure, Eviction, Code Violations and Deferred Maintenance

We Buy Stockton Houses in Any Condition

I keep saying that no two homeowners, their houses or their situations are alike and 952 Solari Ave was a great example of a time bomb.

The first time I talked to Tony I could not understand what was happening. Seriously, he said that his fiances father had bought her a house that her ex husband was living in and that they were trying to evict him because he was not making the mortgage payments and the property taxes were past due. He then said that the house was scheduled for foreclosure in 2 and a half weeks. He said that she wanted to sell the house.

Their Story:

Divorce
Foreclosure
Eviction
Code Violations
Deferred Maintenance

When houses are in the middle of a relationship and used as leverage, look out because the only way to unravel the mess is with the help of a third party that has a vested interest to overlook both the emotional and hostile people involved from getting in their own way of the things that need to be done.

Maria’s father had bought her a house before she was married in 2005, but the house was not a gift to the couple. It was just her name on the deed. When she did get married her husband moved in and when the marriage fell apart he decided the house was community property and refused to leave. Maria didn’t know what to do so she moved out with her new boyfriend with the provision that the husband could stay if he paid the mortgage and property taxes.

Needless to say the mortgage and property tax payments were not paid, he trashed the house and the yard looking to create as much chaos as possible. He accomplished that, as the City of Stockton had issued multiple code violations that were routinely ignored and hidden from the homeowner.

Homeowner Concerns:

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The first priority was to stop the foreclosure of this Stockton house. Maria did not have the $11,000.00 in late mortgage payments, fines and attorneys fees to pay the loan current. She was concerned that within 10 days the house would be lost because of in-action.

I know that Stopping Foreclosure in Stockton is not a difficult process if you have time and the money, but you do need to send and verify the proper funds were received and applied. The real trick, is talking to the right people at the mortgage company so that no mistakes are made on either side. For me it takes an authorization and its waht can be accomplished is a very short period of time.

As I said the real way to stop a foreclosure in Stockton CA is to pay the balances owed before the deadline… Period. That I was confident I could do.

Concern number 2 was a more difficult and time consuming prospect. How do you remove a man from a property he is committed to live in without motivating him in someway financially. Remember he had created a way of life making his ex wife as miserable as possible and causing as many problems as he could short of breaking the law. In California if you take up residency in a house it is yours until after a judge says otherwise. If you want someone out of a house you own you must either evict them or give them an incentive to leave.

I knew that this was going to be a a process and merely offering him a little money was not going to do it. What I did do was to begin a process to show him that I was serious. I went to the house and told the ex husband that I had bought the house and that unlike his ex-wife I wasn’t going to play any games. I explained the eviction process to him, the cost and the time frames that things would happen. I also explained that this was no longer a dispute between a husband and wife that now he was trespassing on my property and I gave him a 3 day notice.

I explained that no matter what he was going to end up out of the house and since the property was sold his options were no longer part of a divorce or family dispute and that if he were to think this through he would voluntarily leave. I then offered him $1,000.00 to leave within 2 weeks and not contest the eviction that he was going to be served with, but explained that he only had 24 hours to decide and I would be back tomorrow for an answer.

I watched as he realized the game had changed and began to open up to the possibility that he could get evicted. He started to change the conversation.

ONGOING CHALLENGE:

With eviction laws in Stockton, California on the side of the tenant until you actually see a courtroom, tenants have multiple delay tactics that they can use in just postponing an eviction for up to 180 days. I knew that the longer he stayed the worse it would get so I negotiated a deal with the ex husband that if he did not respond to the eviction complaint I would pay him $1,000.00. I of course did not explain to him that if he did not answer the complaint it was tantamount to not contending and the process and that would shorten the process by at least 30 days. Sometimes you just need to know the rules.

With the City of Stockton Code Enforcement and Health Departments demanding a massive cleanup I needed to set in motion a plan with them. Since I know most of the code enforcement officers by name (experience matters) I knew that all they wanted was an explanation and a plan and timeline for securing the property and making the required repairs. We had that in place so I immediately called for a meeting to lay out the plan and get our options. The first objective was to negotiate a time table in which both departments would agree satisfied the existing complaints without levying any new fines and penalties.

OUR SOLUTION:

We Buy Houses in Stockton, Manteca, Modesto and Sacramento and pay Cash

Knowing the rules always helps and knowing what to do to create a positive outcome within that framework comes from years of experience.

The first thing that we did was buy the house from Maria thereby changing the conversation with her ex-husband. The second step we took was to stop the foreclosure thereby saving the homeowners equity.

Next we evicted an ex husband that refused to leave by making him an offer that he couldn’t refuse.

Finally we stopped the code violation actions by the City of Stockton by making a commitment to cure the problems within a reasonable time frame.

If you have a ugly house in Stockton that has issues and what you really want to do is sell it before that asset becomes a liability worth nothing, your first call should be to a “We Buy Houses Stockton” Company like Westbrook REI.

My name is Peter Westbrook and I am a local real estate investor in Stockton, Sacramento , Modesto and Manteca California. We buy houses in any condition and we pay cash. If you want to sell your house for any reason call us at (209)481-7780 or visit my website at http://www.IBuyHousesStockton.com and let us make you a fair market value offer. What have you got to lose. In the worst case you’ll learn what your house is worth and you’ll have more information to make the best possible decision for you and your family.

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I Buy Houses Stockton Introduction (209) 481-7780 We buy Houses Stockton

My name is Peter Westbrook and I am a local real estate investor and the owner of We Buy Houses Sacramento and Westbrook Real Estate Investments. I am NOT a Real Estate Agent or Broker and for good reason. I purchase real estate and I am NOT going to ask you to pay a commission or a fee.…I pay CASH and because I do, I can close on the day that I tell you.

For those of you that already know me or have already called me you can attest that I answer my own phone and I return all phone calls. When you call me at 209-481-7780 you are calling me on the same number that my mother and my closest friends call me at.

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Hear What Others Have To Say…

The City of Stockton was getting ready to tear down my old house. I was no longer able to maintain the Stockton House and after years of trying to keep up with code violations, needed repairs and vandalism, I finally called Peter

Westbrook. He came right out and told me what he could do. He contacted the city and county and even cleaned up the property before he bought it. He paid the back taxes for me and gave me an advance on the purchase of the house. Without his help I would have lost everything. I called real estate agents and other investors but no one wanted to help and no one offered to pay as much as Peter Westbrook. He completely remodeled the house and I smile every time I go by. Thank you Peter.

Leonard S

We inherited our parents house with one of our brothers living there . The property taxes had not been paid and it was in Tax default. We called Peter Westbrook and he found that the title was still in our parents name, so the Stockton House never went through probate. Peter also found that there was an old auto loan that had a lien on the

title and an old bankruptcy ruling to take care of that lien had never been filed with the courts. Peter handled everything including paying the back taxes, paying for the hiring a Probate Attorney and filing the probate and paying for and hiring a Bankruptcy Attorney to finalize the removal of the lien. He was patient, understanding and he took care of everything including evicting the tenants that were living in the house. We talked to real estate agents and other I buy house people. None of them had the answers for our situation. Without peter we would have lost everything. We got paid cash.

Steve H

We inherited my parents Stockton house with a mortgage. We decided to rent it out. The tenants destroyed the house. I didn’t know what to do, I didn’t have the money to fix it and the city had already issued code violations.. I called an “I Buy Houses Stockton Sign” on a telephone pole and Peter Westbrook answered. In 4 days he paid the bank and bought my house. We would have lost everything if it weren’t for Peter Westbrook.

Mike B

I inherited my mothers house with a mortgage. When my husband and I lost our jobs, we got behind in payments. Then the Bank posted a default with a auction date we didn’t know what to do.

We didn’t have the $15,000.00 and we only had two weeks to do something. We called Peter Westbrook and form the beginning he was confident he could stop the bank. Within 4 days he bought the house with cash, paid off the bank and stopped the Foreclosure. Without Peter we would have lost everything.

Brenda T

I saw a sign on a telephone pole and against my better judgement I called. The last thing I expected was a person answering the phone. I was surprised, Peter Westbrook answered the phone. I had a lot of questions and Peter had the right answers. My mother needed to get as much as possible out of the house and we had talked to several real estate agents and they all wanted to sell it cheap and wanted a 6% commission. They all told us unless we put thousands of dollars into it could not be sold for what we wanted. Not Peter. He made a fair cash offer and since then we have sold him another house. Peter and the title company handled everything. I couldn’t be happier and I would recommend Peter Westbrook to anyone.

Cathy W

I needed to sell my Stockton House. I called a phone number I saw on a sign and talked to Peter Westbrook. The City of Stockton said that they were going to take away my vacant Stockton house, knock it down and send me the

bill to do it. I did everything that I could to try to make them happy. A neighbor offered to buy the house and then Peter offered me twice as much. He did everything he said he would do and I just had to go to the Title Company and sign the papers. He did all of the work and now the City of Stockton is his problem. Thank you Peter.

Ann C

I inherited my Fathers Stockton house. The front porch was falling in, the walls had holes from being vacant and vandalized. The City of Stockton fined us, red tagged the property and forced us to put on a new roof so we had to get loans and we still couldn’t rent it out.

I called one of those “I Buy Houses” signs and Peter Westbrook came out and made a cash offer. The House closed escrow and we got our money for a house we though was worthless. Thanks Peter!”

Broderick R.

“Our Grandfather passed away and my brother, sister and I inherited his Stockton house. He was a junkman and hoarder. He was also 90 years old and had not made a repair to the house in years. He had garage sales almost every day. The house and the yard were full of junk. We tried to get everything out so we could just see the house. We had family and friends come over on the weekends but the cost and effort was consuming all of our time.The house was a mess.

I called Peter Westbrook and he made us a cash offer for the house and he said he would take care of all of the clean up. Thank God I called. The City had issued code violations and fines on the property and even before we closed escrow Peter and his crew had the house and yard cleaned (4 large Dumpsters later) . I recommend Peter Westbrook to anyone that has a problem house. They were fast and professional”

Connie J.

“I had tried to sell my Mothers Stockton house for two years. Realtor’s told me to tear it down. I didn’t have the money for that and my Brother and his family were living there. Peter Westbrook made me a cash offer and closed escrow with my brother still in the house. Peter Westbrook is my savior. I don’t have to worry about the house any more. If you have a Stockton house that has become a burden and you don’t have the money to fix it to sell it, call Peter Westbrook.”

Rosemary R.