‘I signed a Stipulation in Lieu of Foreclosure that outlined a repayment plan for the balance in arrears. All payments were made in accordance with the terms of the stipulation. I have requested a letter from the attorneys that drafted the Stipulation outlining the satisfaction of the Stipulation and was told that their file was closed and no letter would be sent. How can I request a letter for my files that states that all monies were paid in full and the loan is reinstated?’
It really should have been included in the Stipulation that you would get proof showing that you had complied with the agreement and the loan is now in good standing.
A house attorney has answered this question.
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State laws vary, and the above is intended as general advice, and not
direct legal advice regarding any one particular situation in any one
state. For direct personal legal advice related to your own situation
you should consult an attorney familiar with the laws of your state
and with your situation.
‘I painted my house with colors that exist in the neighborhood, in fact the trim is about the same color it always was. There is another house in the neighborhood with the stucco the exact same color as mine. Now I received a letter from the HOA that I will be fined because I painted without approval and not with approved colors. Can they do that? The other house was not fined. Also, if I don’t pay what can happen? I have stage 4 breast cancer and can’t afford to repaint or pay fines. Thank you so much for your time!’
Homeowner Associations can have pretty broad authority when it comes to things like paint colors. If your HOA has a list of approved colors (usually specified by brand/color code) or a requirement for approval
prior to painting which you did not follow, you are probably out of luck, and subject to a fine (within reason).
Assuming your neighbor also used a non-approved color and/or painted without pre-approval, pointing this fact out could get your neighbor fined, as well. This won’t help you much.
The same rules that stop you from painting your house half a shade too dark also prevent your neighbor from painting his house pink with yellow polka dots; you take the good with the bad when you buy into an HOA. Unless your HOA is acting way out of reason (such as fining you more than the property is worth for painting), a court is not likely to be sympathetic when they point out that you didn’t follow the terms of
the contract you signed on to when you bought the property.
A house attorney has answered this question.
Contact This Author
State laws vary, and the above is intended as general advice, and not
direct legal advice regarding any one particular situation in any one
state. For direct personal legal advice related to your own situation
you should consult an attorney familiar with the laws of your state
and with your situation.
