Those sons of bitches are not going to take anything of mine!: Greek fire to his home and threw his - Polidicks

[QUOTE=sloppy_joes;42949774]I'm not going to be foreclosed upon because I pay insurance... what? What if you lose your job or you need medical help or whatnot, you could be broke tomorrow.[/QUOTE] Everything you just described in the second line of your post can be covered with insurance [editline]22nd November 2013[/editline] [QUOTE=SgtCr4zyGunz;42950320]Cut the man a break because he's going through hard economic times and try and work out some kind of alternate payment plan or financial assistance because decent human beings don't put profit over people.[/QUOTE] It's not like a bank will foreclose you without notifying you or by being a day late on your mortgage. You typically have 3-6 months after you miss a payment to pay off the balance to avoid foreclosure. It's all contractual, when you put your name down for that loan, you're acknowledging what will happen if you fuck up or get fucked up. You should plan several years ahead so shit like that doesn't happen.

[QUOTE=Trunk Monkay;42950453]Everything you just described in the second line of your post can be covered with insurance [editline]22nd November 2013[/editline] It's not like a bank will foreclose you without notifying you or by being a day late on your mortgage. You typically have 3-6 months after you miss a payment to pay off the balance to avoid foreclosure. It's all contractual, when you put your name down for that loan, you're acknowledging what will happen if you fuck up or get fucked up. You should plan several years ahead so shit like that doesn't happen.[/QUOTE] insurance isn't cheap. that system is dumb and leads to situations like this. not everything can be simplified as "YOU SHOULD HAVE PREPARED FOR THIS ITS YOUR FAULT", what if he did prepare? what if he simply ran out of savings because times were harder than he could have foreseen? he's not a fucking clairvoyant. [editline]22nd November 2013[/editline] if this was a problem that could be solved by "just save money rofl" nobody would ever get foreclosed on. maybe they can't save any money because it's all used up to pay for their mortgage and insurance premiums?

[QUOTE=SgtCr4zyGunz;42950638] if this was a problem that could be solved by "just save money rofl" nobody would ever get foreclosed on. maybe they can't save any money because it's all used up to [b]pay for their mortgage[/b] and insurance premiums?[/QUOTE] Then they were living beyond their means

To everyone who thinks lenders should have no recourse when an account is severely delinquent and/or that housing should be free (somehow)- I have one question. How many hours did you volunteer in the last decade building houses? [sp] I'm guessing zero... [/sp]

[QUOTE=H8Entitlement;42950868]To everyone who thinks lenders should have no recourse when an account is severely delinquent and/or that housing should be free (somehow)- I have one question. How many hours did you volunteer in the last decade building houses? [sp] I'm guessing zero... [/sp][/QUOTE] There is already a lot of empty housing. Why make more? Squat that shit, yo.

[QUOTE=H8Entitlement;42950868]To everyone who thinks lenders should have no recourse when an account is severely delinquent and/or that housing should be free (somehow)- I have one question. How many hours did you volunteer in the last decade building houses? [sp] I'm guessing zero... [/sp][/QUOTE] you know how i brought up habitat for humanity earlier in the thread? that's cuz i personally have volunteered for them.

[QUOTE=SgtCr4zyGunz;42950320]Cut the man a break because he's going through hard economic times and try and work out some kind of alternate payment plan or financial assistance because decent human beings don't put profit over people.[/QUOTE] Banks don't foreclose out of the blue. There's always a grace period and repeated statements before they actually proceed with foreclosure. Most banks also offer restructuring of loans or adjusted borrowing plans because they don't like having to foreclose either. If you can't get your act together with that then they don't have much choice. Financial assistance? You want 'me' to give him money so he can pay other money he already owes 'me'? So 'I' just lose money? Sorry, don't think so.

[QUOTE=yawmwen;42951030]you know how i brought up habitat for humanity earlier in the thread? that's cuz i personally have volunteered for them.[/QUOTE] Good for you man, now convince 300 million other Americans to work for free to build housing for a government they hate.

[QUOTE=JustExtreme;42950944]There is already a lot of empty housing. Why make more? Squat that shit, yo.[/QUOTE] A lot of empty housing is also unsafe, dilapidated, without proper plumbing, electricity, gas, (or damaged facilities), are overgrown, have some kind of fire damage, and also may be in waiting for future use. A lot of empty housing can't actually be used, and usually as long as the landowner is paying taxes there's no big issue. If the land remains unused for too long however, there is a law which gives the squatter ownership of the property provided they live on the land for 13 years while the original owner remains absent I believe.

[QUOTE=Trunk Monkay;42951080]Good for you man, now convince 300 million other Americans to work for free to build housing for a government they hate.[/QUOTE] you wouldn't even need that many people. hell, you don't even really need that many more houses. there are plenty out there, some of them just need some maintenance. [QUOTE=Sobotnik;42951187]A lot of empty housing is also unsafe, dilapidated, without proper plumbing, electricity, gas, (or damaged facilities), are overgrown, have some kind of fire damage, and also may be in waiting for future use. A lot of empty housing can't actually be used, and usually as long as the landowner is paying taxes there's no big issue. If the land remains unused for too long however, there is a law which gives the squatter ownership of the property provided they live on the land for 13 years while the original owner remains absent I believe.[/QUOTE] [url]http://en.wikipedia.org/wiki/C-Squat[/url] "When it was first squatted, the building was falling apart and central joists had to be replaced. These were sourced second-hand and as cheaply as possible. All repairs on the gutted structure were performed by the squatters themselves, transforming the space as they worked on it.[2] The DIY rehabilitation of the building was no small task, as Neuwirth noted in his article, "At C Squat, the beams were so rotted that the building had sunk almost a foot in the center. The squatters replaced the joists one by one. They got their replacement beams from workers at a nearby gut rehab. The workers saved the old but still usable joists they were removing and passed them on to the squatters."[7] Under the terms of the homesteading agreement made in 2002, the Urban Homesteading Assistance Board will provide a loan for essential renovations (bringing the building up to city code regulations), which the squatters will perform as much as possible themselves to reduce costs. When the work is finished, the residents will own the building as a limited equity housing cooperative. They will be financially responsible for maintenance and UHAB loan repayment.[2]" give the fucking places out already. people can fix this shit up themselves.

[QUOTE=yawmwen;42951290][url]http://en.wikipedia.org/wiki/C-Squat[/url] "When it was first squatted, the building was falling apart and central joists had to be replaced. These were sourced second-hand and as cheaply as possible. All repairs on the gutted structure were performed by the squatters themselves, transforming the space as they worked on it.[2] The DIY rehabilitation of the building was no small task, as Neuwirth noted in his article, "At C Squat, the beams were so rotted that the building had sunk almost a foot in the center. The squatters replaced the joists one by one. They got their replacement beams from workers at a nearby gut rehab. The workers saved the old but still usable joists they were removing and passed them on to the squatters."[7] Under the terms of the homesteading agreement made in 2002, the Urban Homesteading Assistance Board will provide a loan for essential renovations (bringing the building up to city code regulations), which the squatters will perform as much as possible themselves to reduce costs. When the work is finished, the residents will own the building as a limited equity housing cooperative. They will be financially responsible for maintenance and UHAB loan repayment.[2]" give the fucking places out already. people can fix this shit up themselves.[/QUOTE] The point is that not every building can be done this way. If you said "let's allow homeless people to squat in XYZ buildings" you're going to get into really deep shit if one of them collapses. If nobody owns the land and it isn't really being used, then get the local government to get involved with management of the land. Don't let people go and squat in whatever land they like because you are going to end up running into problems when you have thousands of people inside buildings of dubious structural integrity (that is, unless an inspector regularly comes along to inspect the building and makes sure the occupants are repairing it properly).

[QUOTE=Sobotnik;42951705]The point is that not every building can be done this way. If you said "let's allow homeless people to squat in XYZ buildings" you're going to get into really deep shit if one of them collapses. If nobody owns the land and it isn't really being used, then get the local government to get involved with management of the land. Don't let people go and squat in whatever land they like because you are going to end up running into problems when you have thousands of people inside buildings of dubious structural integrity (that is, unless an inspector regularly comes along to inspect the building and makes sure the occupants are repairing it properly).[/QUOTE] what's the normal process for houses? i haven't ever seen a building inspector before. maybe if the place is not being utilized an inspector can come by and recommend the things that need to be done?

[QUOTE=yawmwen;42952002]what's the normal process for houses?[/quote] Usually you need planning permission, adherence to the local regulations, acceptable designs that won't collapse under their own weight, etc. For instance, if some guy went into his back garden and started building a brick tower then and there, he would be arrested. [quote]i haven't ever seen a building inspector before. maybe if the place is not being utilized an inspector can come by and recommend the things that need to be done?[/QUOTE] Yes. And if his recommendations aren't followed, then the people in the building should be removed from it.

[QUOTE=Sobotnik;42952060]Usually you need planning permission, adherence to the local regulations, acceptable designs that won't collapse under their own weight, etc. For instance, if some guy went into his back garden and started building a brick tower then and there, he would be arrested. Yes. And if his recommendations aren't followed, then the people in the building should be removed from it.[/QUOTE] if the recommendations aren't followed then the government should pay to have it done if they are so worried about it.

[QUOTE=yawmwen;42952142]if the recommendations aren't followed then the government should pay to have it done if they are so worried about it.[/QUOTE] The people using the building are the ones responsible for its upkeep. The state only handles state owned housing.

[QUOTE=Sobotnik;42952165]The people using the building are the ones responsible for its upkeep. The state only handles state owned housing.[/QUOTE] then they can't kick people out of it.

[QUOTE=yawmwen;42952168]then they can't kick people out of it.[/QUOTE] Except then the structure may collapse, people might get a disease from broken plumbing, etc and you suddenly have a minor crisis because you have sick/injured dead people as a result. If you want to fix the problem at the root, just give people money directly to rent housing instead of allowing squatters to live inside structurally challenged buildings.

[QUOTE=Sobotnik;42952208]Except then the structure may collapse, people might get a disease from broken plumbing, etc and you suddenly have a minor crisis because you have sick/injured dead people as a result. If you want to fix the problem at the root, just give people money directly to rent housing instead of allowing squatters to live inside structurally challenged buildings.[/QUOTE] or just fix the buildings up win-win

[QUOTE=yawmwen;42952229]or just fix the buildings up win-win[/QUOTE] Repairing and maintaining aged and abandoned buildings is more costly in the long run. It's often better to demolish them and build new ones.

[QUOTE=Sobotnik;42952274]Repairing and maintaining aged and abandoned buildings is more costly in the long run. It's often better to demolish them and build new ones.[/QUOTE] k then do that