Recent content by danno6925

PA CASE: My wife recently paid off 2 credit card with the balances shown on our statement. First Bank of America, then Chase cc's were paid in full and each reflected a zero balance after the payments hit the accounts. Fast forward three months. Nothing has arrived from either company noting...

This applies to 2 states: Purchase was made in NJ, but I live in PA. Purchased a 2009 Wrangler 4dr with my wife. Loan is in both names, title only in her name. Since we were recently married, her name differs between her DL and our insurance cards (we're on same insurance). We were informed...

If a mortgagee files for bankruptcy protection, what becomes of the loans made to the mortgators?

State: Pennsylvania. I'm looking to hire a contractor to complete some major renovations to correct structural defects, remediate water infiltration, and serious landscaping in the backyard. Landscaping includes a stone/tile patio, water feature, electric and water lines, 6' tall retaining wall...

Pennsylvania Bummer of a situation. Here goes: Guy gets married, buys home. Has 2 girls and is working a low-paying job as is his wife. If a son were to deed his house to his father for the exact amount of the remaining mortgage, would transfer taxes be due? I am of the opinion that this...

What is the name of your state? Pennsylvania My question is regarding foreign nationals in transit to points outside the US. I am planning a wedding in Nassau, Bahamas. 5 of our guests are Paraguayan nationals. In order to get them to Nassau, every flight has them stopping over in Miami...

Pennsylvania (but pertains to real estate in general) In reference to a conventional life estate, "a life tenant may convey or lease the land so long as they do not commit waste of the property." My guess is that this means the tenant can't allow the property to be used in a manner...

What is the name of your state? Pennsylvania There is a heated debate going on in my office right now about this regarding one of my co-workers: Say a DUI offender completes the ARD (Accelerated Rehabilitation Disposition) program, but the offense is not wiped from their driving record 5 years...

What is the name of your state? Pennsylvania Wow, 12 reads and no replies, let me make this more simple... If I omit a traffic stop that doesn't appear on my official driving record, can the insurance company say I committed a fraudulent act? At the time I secured insurance, I did not recall...

What is the name of your state?In a NJ mortgage (not the note, but the document sent for recording) the words "signed, sealed, and delievered in the presence of" are to be signed off on by whom? Is this for the borrower, the notary, or a separate witness? Who requires this signature, the...

I often see mortgages (in New Jersey) containing the phrase "signed sealed and delivered in the presence of:". Under this there is a signature line for the witness. The reason I have a question regarding this is concern over returned documents from the county courthouse. Is this similar to...