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Quoted: I'm trying to find a solution to the tax problem. I can't sell or mortgage or land contract until I get that done. I hate the idea of selling but I'm at the end of my rope. If I could pay the lien I guess I'd grit my teeth and find a trailer somewhere and clear out the place and sell it. Everything people are suggesting timbering, selling the barn for scrap, etc is long term. I need to keep the place from being taken then I can figure out how to turn the property into income if some sort. Was a timeline written in your divorce decree for when this 120k needed to be paid? |
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Quoted: November 2027 I can apply for a reinstatement of my WV license, my lawyer said it's a 50/50 shot at getting it back and he'll fight for it, but it would be upwards of $10K in legal fees and then I'd need to retake the NCLEX. Kentucky (my home state), well, pretty sure I'll never get it back. Nothing occurred in Kentucky, the incident happened when I was working in WV under the multi state compact. But the Kentucky board examiner was a huge bitch, the day I returned her call (literally the day they contacted me about the patient assault) my attorney told me to tell her 'I'd cooperate fully, and would be happy to make a statement and answer questions with my attorney present'. She huffed and said 'then you are revoked until the outcome of the WV nursing board hearing'. My attorney contacted her and she said they would await the outcome of the WV case. My WV hearing was in August of 22, and they offered a consent decree for a five year suspension, then a re-hearing before the board to determine reinstatement. After talking with my attorney, we agreed. They notified Kentucky and they notified me they were revoking my license permanently. My attorney referred me to a Kentucky attorney, to handle an appeal, and he said it would be between $5K-$10K in attorneys fees not counting court costs, and he said that could run another $10K. Still no guarantee, and even if I hit reinstated I might not be able to get hired by any big health care systems, probably only some smaller private practices. That's all in the future. Right now I have to consider where my daughter and I will be living in a month. |
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I just finished talking to Legal Aid of the Bluegrass. Trying see if I qualify for help. I probably make too much. If I can get the tax thing out of the way, then I can explore other options for the property, whether it’s trying to keep it, selling it, selling off some of the land, etc. But first I have to fix this issue. |
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If that's your only debt get a personal loan and pay it off, so you clear the leans. I'd imagine it would take some of the stress off. https://www.sofi.com/personal-loans/ https://www.lendingclub.com/ |
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Quoted: He doesn't want to hear something that logical that will fix his problem. Nope. He could sell tomorrow and walk away with enough cash to start over but he won't. He's to attached to "things". He's rather destroy his health than cut dead weight and move on. Life sucks sometimes. There's a reason there are people living in the street pushing a shipping cart filled with shit. Because they can't let go of things and those things were more important than making good decisions. There's nothing I own that I can't live without. If I had to up and move and start over I could walk out with the clothes on my back and start over. I'm not attached to any place. Nor should OP. Sound what he is doing is showing his kids he's a failure. Sorry, but it has to be said. To many use and stupid sense of pride to keep doing what they are doing, but it just destroys you. |
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Quoted: Nope. He could sell tomorrow and walk away with enough cash to start over but he won't. He's to attached to "things". He's rather destroy his health than cut dead weight and move on. Life sucks sometimes. There's a reason there are people living in the street pushing a shipping cart filled with shit. Because they can't let go of things and those things were more important than making good decisions. There's nothing I own that I can't live without. If I had to up and move and start over I could walk out with the clothes on my back and start over. I'm not attached to any place. Nor should OP. Sound what he is doing is showing his kids he's a failure. Sorry, but it has to be said. To many use and stupid sense of pride to keep doing what they are doing, but it just destroys you. Quoted: Quoted: He doesn't want to hear something that logical that will fix his problem. Nope. He could sell tomorrow and walk away with enough cash to start over but he won't. He's to attached to "things". He's rather destroy his health than cut dead weight and move on. Life sucks sometimes. There's a reason there are people living in the street pushing a shipping cart filled with shit. Because they can't let go of things and those things were more important than making good decisions. There's nothing I own that I can't live without. If I had to up and move and start over I could walk out with the clothes on my back and start over. I'm not attached to any place. Nor should OP. Sound what he is doing is showing his kids he's a failure. Sorry, but it has to be said. To many use and stupid sense of pride to keep doing what they are doing, but it just destroys you. I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. |
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Quoted: I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. Why not get the $8k loan from your ex-wife and roll that into the new mortgage? |
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Quoted: Sometimes life hands you a big shit sandwich. You don’t need 120 acres to make your life complete. I have 10 acres around my rural cabin and there are places on the property I haven’t ever set foot in-I’d imagine it’s the same for you….. I get wanting to keep what you have but you’re probably going to have to take a big’ ol bite of that sandwich. If your place is easily worth double the $120k you owe her, and land is that cheap in your area, sell it, cash her out, and get something else. Sometimes life isn’t fair and it isn’t hard-lord knows I’ve seen my share of it. Life handed you a raw deal, salvage what you can and move on. It is clear that you won’t be able to manage your way out of this within the limitations you are working with. Admit that to yourself and make a new plan-because the only way this is going to go from this point out is a judge forcing you to sell the property at the court’s convenience, with the court’s methods, and you’ll get even less money to start your new life. Hope you’re still hungry.  This. I would love to have a place on 166 acres so I feel you. About 5 months ago a couple of storms came through and knocked down a few trees, two on the house, one on the neighbors fence and one on my shop. I had to suck it up and find another place even tho I really didn't want to but there was no way I could stay in that house and once I realized that I found the closest cheapest and fastest place to get into. Currently i'm in a 12x60 motor home that's 45 years old but its decent but I had to get rid of a metric ton of stuff since I went from a three bedroom ~1850 sqft to maybe 700 sqft. I consider this place an oasis in my life's journey, the rent is cheap, next to a grave yard so the neighbors are very quiet, and this will be temporary and give me a chance to save and get a better place. Sometime you just got to say fuck it and just roll with the punches. |
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Quoted: I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. They will take you tax lein out of escrow,and your wife would likely pay half of it from her take. |
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Quoted: They will take you tax lein out of escrow,and your wife would likely pay half of it from her take. Quoted: Quoted: I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. They will take you tax lein out of escrow,and your wife would likely pay half of it from her take. That was my thought as well |
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Quoted: I don't want to run afoul of any forum rules. Are there any members in East Kentucky who could help me sell or raffle some long guns? I'm unsure of forum rules or what would need to be done to sell or transfer them legally. I need to pay this debt before I can think about solving the sale land/mortgage/buyout whatever. Everyone says I need to do something, well, maybe this is the quickest way to raise money. I have to sell firearms but I don't have anything else I can liquidate to raise money. I never understood that rationale of selling things to fix an unfixable problem. It's not a solution. If you sell everything of value that you own, what are you going to do after that? You can't sell things to infinity. How will you replace these things later on? It will cost more to replace them than getting rid of them to begin with. Can't you just let the ex have it and get on with your life? You are in this fix because you kicked the can down the road a long time ago. If you would have accepted that you couldn't afford it then, you would be on the road to recovery now. As it is, you will lose the property, and also everything of value that you own. |
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Quoted: That was my thought as well Quoted: Quoted: Quoted: I can't sell it tomorrow. I've explained over and over that I'm gonna lose the property if I don't pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I'll sell it. I'll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you'll be happy that I'm following your suggestion. They will take you tax lein out of escrow,and your wife would likely pay half of it from her take. That was my thought as well OP needs to go and talk to different local banks to see what they can do. |
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Quoted: I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. Your kids will not hate you for selling the house. They will understand that "mommy" needed the money more than anything, and you had to do what was needed to survive. Even at a young age your kids will see what's going on for themselves. |
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As I understand, you owe back property taxes and the county currently has a forced lien on your property. 2k+ in taxes and 6k in legal fees? Are the legal fees county related and attached to the lien? Normally, at least where I live, you would be able to still sell your property and the back taxes would be taken care of at settlement. Currently, since both you and your ex wife are owners, she's legally responsible for the taxes as well. When you say you can't sell until you pay the back taxes, that doesnt sound accurate. If your property is sold to pay the back taxes, you should receive whatever the proceeds are net the back taxes. For example, if your property is auctioned off and it sells for the 250k you claim it's worth, you should receive 250k minus the lien amount. Your ex wife would then be entitled to the 120k or whatever you agreed to give her, and you'll get the rest. The whole "I'll end up with nothing" also doesnt seem accurate given the information. Your first post indicates that you have allocated all your paycheck to current bills. It just doesnt seem realistic that you will be able to afford another bill that includes a 120k loan plus whatever the amount is to satisfy the lien. This doesnt include the insurance expense and whatever necessary repair expense (you mentioned your roof is 31 yrs old) that would have to be done. If all you needed was an $8k payment to satisfy your lien and everything else would fall into place, I could see the membership here either individually or as a group helping you out. The issue is, there just doesnt seem to be a way for you to keep this property given your current income. |
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I’m no legal expert and I have called legal aid to find out what ex’s fly the papers I received from the law firm repping the Kevin hold mean, but from what I read it didn’t say I’ll get anything over the app $8600 Leon. It says next month the property will be sold at auction, period, and I will have to vacate. I’m not sure if they’ll even let me pay the keen amount at this point, I honestly don’t know. I’ll sell it. Everyone says I’ll have to sell it, fine. But from what I read on the mortgage processing, I can’t have a judgement or keen in the property and get a mortgage. And I’m still scrambling to find insurance coverage, which is looking insanely expensive. Do I make a down payment on insurance with even knowing if I’ll get approved? |
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Quoted: I’m no legal expert and I have called legal aid to find out what ex’s fly the papers I received from the law firm repping the Kevin hold mean, but from what I read it didn’t say I’ll get anything over the app $8600 Leon. It says next month the property will be sold at auction, period, and I will have to vacate. I’m not sure if they’ll even let me pay the keen amount at this point, I honestly don’t know. I’ll sell it. Everyone says I’ll have to sell it, fine. But from what I read on the mortgage processing, I can’t have a judgement or keen in the property and get a mortgage. And I’m still scrambling to find insurance coverage, which is looking insanely expensive. Do I make a down payment on insurance with even knowing if I’ll get approved? No. First thing you do is figure out lien status and whether or not you lost it already OR if chance you can keep it if paying of tax bill. The answer to that question dictates next step. |
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@RevolverRO I sent you a DM. Quoted: I can’t sell it tomorrow. I’ve explained over and over that I’m gonna lose the property if I don’t pay this tax bill. Once I pay the bill I can do whatever I want, be it sell the land, buy out my ex, subdivide it, lumber it, buy as a special favor to you I’ll sell it. I’ll move out, live in a shitty apartment or trailer, have my kids hate me for getting rid of their home, sell it and give half to my ex wife so that you’ll be happy that I’m following your suggestion. |
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Quoted: It's Friday. Why aren't you at the collectors office with a check for a portion of the taxes? With a stop at a gun shop or pawn shop along the way. Then what. What will he sell when he sells everything. The problem is he can't afford to address usual emergencies and routine unexpected bills. Eventually he will have sold everything, and still have bills he can't afford to pay. He didn't sell when the taxes were paid. Now it's turned into an even bigger problem, and selling everything isn't going to help. He could move, let homeless ex move in current house. It's paid for aside from what he owes the ex, at least that's my understanding. Is there some reason he can't simply start over and let ex have the house? |
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Quoted: I'm no legal expert and I have called legal aid to find out what ex's fly the papers I received from the law firm repping the Kevin hold mean, but from what I read it didn't say I'll get anything over the app $8600 Leon. It says next month the property will be sold at auction, period, and I will have to vacate. I'm not sure if they'll even let me pay the keen amount at this point, I honestly don't know. I'll sell it. Everyone says I'll have to sell it, fine. But from what I read on the mortgage processing, I can't have a judgement or keen in the property and get a mortgage. And I'm still scrambling to find insurance coverage, which is looking insanely expensive. Do I make a down payment on insurance with even knowing if I'll get approved? Good God! No, don't keep throwing good money after bad money. Let the ex worry about taxes and insurance. Everything you post is more evidence that the situation is going from bad to worse, and you continue to want to take the path to financial ruin. |
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@RevolverRO you are getting some good and a lot of bad advice here. don't go off half-cocked and rage-sell your home just yet. are you in foreclosure now? if not, you have some time, and even if in foreclosure KY is a judicial foreclosure state, so there is a process to this. do not give your ex-wife the property. it sounds like there is equity in it, and the lien amount is pretty low compared to the equity, as you have stated. i have to run, but please read my DM, don't lose hope, and last but not least, be very careful about the financial and life advice you get, from GD or otherwise. good rule of thumb is if someone doesn't have a lot of money or property, don't take money or property advice from them. Quoted: I’m no legal expert and I have called legal aid to find out what ex’s fly the papers I received from the law firm repping the Kevin hold mean, but from what I read it didn’t say I’ll get anything over the app $8600 Leon. It says next month the property will be sold at auction, period, and I will have to vacate. I’m not sure if they’ll even let me pay the keen amount at this point, I honestly don’t know. I’ll sell it. Everyone says I’ll have to sell it, fine. But from what I read on the mortgage processing, I can’t have a judgement or keen in the property and get a mortgage. And I’m still scrambling to find insurance coverage, which is looking insanely expensive. Do I make a down payment on insurance with even knowing if I’ll get approved? |
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Tell your ex about the tax lien and see if she can pay it and then the house will be listed immediately with a realtor. Why? Because if someone buys that lien at auction next month, that puts you and your ex out of the house because the amount you need to come up with increases. The winning bidder will end up owning your property and your ex gets nothing. She might pay it to save her $120k. It takes years of non-payment to get to the point of a tax lien foreclosure, which is what you're facing next month. You can't afford to keep this property if you haven't been paying the property taxes or liability insurance for years. Sell it and buy something cheaper. |
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Quoted: I’m being as honest as I can without putting my address and SS # etc out there. What questions can I answer? Quoted: Quoted: I'm starting to think there's a huge amount of information we're not being told Good luck op I’m being as honest as I can without putting my address and SS # etc out there. What questions can I answer? See the post directly above How long have you not been paying taxes? ETA I genuinely mean it when I say good luck. I hope things can get resolved where you can get a lot out of the place, or you can stay |
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Quoted: If that's your only debt get a personal loan and pay it off, so you clear the leans. I'd imagine it would take some of the stress off. https://www.sofi.com/personal-loans/ https://www.lendingclub.com/ I'm going to quote myself here. Did you apply for a loan with either of these places? You'll get an answer within minutes and the money by early next week. You can solve your tax/auction issue immediately. |
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Quoted: I’m being as honest as I can without putting my address and SS # etc out there. What questions can I answer? I wouldn't answer any more. This thread is sort of working itself into a fever pitch with people competing to see who has the worst hot take on how to fix your problems. Stop posting. There's nothing you need to tell us or ask us. You need to be on the phone with the lender, county tax office, and attorney. |
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Quoted: I'm going to quote myself here. Did you apply for a loan with either of these places? You'll get an answer within minutes and the money by early next week. You can solve your tax/auction issue immediately. Quoted: Quoted: If that's your only debt get a personal loan and pay it off, so you clear the leans. I'd imagine it would take some of the stress off. https://www.sofi.com/personal-loans/ https://www.lendingclub.com/ I'm going to quote myself here. Did you apply for a loan with either of these places? You'll get an answer within minutes and the money by early next week. You can solve your tax/auction issue immediately. Tried both just now, turned down by both. My credit is 679 (ironically due to my ex, ten years ago she opened a capitol one card in my name.). I haven’t had any debts other than a medical bill from when I was uninsured. |
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Quoted: Tried both just now, turned down by both. My credit is 679 (ironically due to my ex, ten years ago she opened a capitol one card in my name.). I haven’t had any debts other than a medical bill from when I was uninsured. Quoted: Quoted: Quoted: If that's your only debt get a personal loan and pay it off, so you clear the leans. I'd imagine it would take some of the stress off. https://www.sofi.com/personal-loans/ https://www.lendingclub.com/ I'm going to quote myself here. Did you apply for a loan with either of these places? You'll get an answer within minutes and the money by early next week. You can solve your tax/auction issue immediately. Tried both just now, turned down by both. My credit is 679 (ironically due to my ex, ten years ago she opened a capitol one card in my name.). I haven’t had any debts other than a medical bill from when I was uninsured. Haven't you been divorced for like 4 years? |
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Quoted: Tried both just now, turned down by both. My credit is 679 (ironically due to my ex, ten years ago she opened a capitol one card in my name.). I haven’t had any debts other than a medical bill from when I was uninsured. Maybe there are other places that will give you a loan, just at a higher rate. Even paying with a credit card at 29% is better than letting the place go to auction. You potentially could come away with nothing. If you can get these taxes dealt with, you need to seriously consider selling, paying off the ex, and paying cash for something else. Looking at Kentucky real estate on Zillow, there are a ton a houses, probably better than the one you are in, around $100k. I don't see why you'd even want to stay in a place with memories of the Ex. |
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Quoted: If someone was to loan you $10k tomorrow with a contract that they be paid $15k upon the sale of the house within 90 days would you take it? At this point, if I can save the property and at least sell it and make some money, I’d entertain it. I know selling it is going to be grueling and hurt like hell but it beats losing the entire property over a tax bill. |
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Quoted: At this point, if I can save the property and at least sell it and make some money, I’d entertain it. I know selling it is going to be grueling and hurt like hell but it beats losing the entire property over a tax bill. Hows the current market in your area? Do you think the place would sell in 90 days? |
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Quoted: Then what. What will he sell when he sells everything. The problem is he can't afford to address usual emergencies and routine unexpected bills. Eventually he will have sold everything, and still have bills he can't afford to pay. He didn't sell when the taxes were paid. Now it's turned into an even bigger problem, and selling everything isn't going to help. He could move, let homeless ex move in current house. It's paid for aside from what he owes the ex, at least that's my understanding. Is there some reason he can't simply start over and let ex have the house? Quoted: Quoted: It's Friday. Why aren't you at the collectors office with a check for a portion of the taxes? With a stop at a gun shop or pawn shop along the way. Then what. What will he sell when he sells everything. The problem is he can't afford to address usual emergencies and routine unexpected bills. Eventually he will have sold everything, and still have bills he can't afford to pay. He didn't sell when the taxes were paid. Now it's turned into an even bigger problem, and selling everything isn't going to help. He could move, let homeless ex move in current house. It's paid for aside from what he owes the ex, at least that's my understanding. Is there some reason he can't simply start over and let ex have the house? As far as selling, there is an immediate need for cash today. |
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Quoted: There’s a member here who’s a mortgage broker who’s helping me. But I’m talking literally money to pay taxes and insurance just to get the loan. I’m talking money to pay for repairs just to get approval for insurance. Looking at not being able to pay for electric and furnace fuel for the winter. I hate to be blunt, but then you can't afford the house, it owns you, not the other way around. If you have to keep it, then you're going to need a second job, or to make more money at your current job, math is math, and numbers don't lie. I did Real estate for a long time, and the numbers either work or they don't. That said, I hope you figure out a way to make it work. |
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Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can’t sell it, lumber it, subdivide it or sell it. I don’t think I’m in a position to ‘just walk away’. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That’s what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can’t keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family’s furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I’m in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I’m making breakfast). She fell back asleep in the crook of my arm and I’m trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it’s still gonna take longer than I have. So square with her about where you are with finances and see if she will work with you for co-signing loans to get you thru this and then get it sold so you are both squared away. You’re fucked. You had to know this was coming-maybe you can show her that the situation is dire enough that both of you will lose and she’ll just back away so as to not screw herself out of the money? Here’s the thing: if you are about to lose the house to back taxes, it’s been two years since you paid. Counties will work with homeowners in distress a lot of times. A second job would have fixed this for you, why you didn’t try harder is beyond me but if I were you I would be at the county treasurer’s office tomorrow with my hat in my hand. |