ʻO nā moraki he reddit scam
ʻO ke kūʻai ʻana i home kekahi o nā hoʻopukapuka nui a ke kanaka e hana ai i ko lākou ola ʻana. Eia nō naʻe, i kekahi manawa aia nā hewa i hiki ke hana i ke kaʻina kūʻai. He mea nui e hoʻomaopopo i kāu mau kuleana ma ke ʻano he mea kūʻai aku i ka wā e pili ana i ka lawelawe ʻana i nā hewa e hiki mai ana i ka wā o kāu kūʻai home.
ʻO ka mea hōʻaiʻē moraki, i ʻike ʻia hoʻi he "mea paʻa moraki," he kanaka, hui o nā kānaka, a i ʻole hui e hāʻawi kālā i ka mea hōʻaiʻē, ʻike ʻia hoʻi he "moraki," e kūʻai i hale. ʻO ka maʻamau, ʻo nā mea hāʻawi moraki he mau ʻoihana kālā, e like me kahi panakō a ʻoihana moraki paha. Eia nō naʻe, aia kekahi mau moraki hoʻokahi. Aia kekahi mau moraki i kākoʻo ʻia e ke aupuni, e like me nā hōʻaiʻē Federal Housing Administration ("FHA") mai ka United States Department of Housing and Development ("HUD") a i ʻole nā hōʻaiʻē mai ka Department of Veterans Affairs ("VA") o ʻAmelika. Mokuʻāina.
Ma ke kūʻaiʻana i ke kālā i hōʻai'ēʻia, ua hoʻohiki ka mea moraki i ka hale i loaʻa i mea hōʻai'ē no ka hōʻai'ē, pinepine i keʻano o ka lien ma luna. A laila e uku ka mea moraki i ka mea hāʻawi aku e hoʻokō i nā ʻōlelo o ka hōʻaiʻē a uku i ka lien. Ke hoʻokō ʻia nā kuleana hōʻaiʻē, hoʻoili ʻia ka kuleana o ka home i ka mea ʻaiʻē.
Hōʻike hoʻopunipuni moraki
Inā pau kāu male ʻana a i ʻole ka hui ʻana i ka home, hiki iā ʻoe ke noi i ke kākoʻo kālā - ʻike ʻia ʻo "alimony" - mai kāu hoa mua mai ka manawa o ka kaʻawale. Hoʻohui kēia i nā kākoʻo keiki āu e uku ai.
Inā ʻaʻole ʻoe i male a ʻaʻole paha he hoa pili kānāwai, pono ʻoe e kaʻana like i nā koina no ka mālama ʻana i nā keiki āu i hui pū ai, akā ʻaʻole pono ʻoe e kākoʻo kekahi i kekahi ma ke kālā ke kaʻawale.
Hiki iā ʻoe ke noi i kāu hoa aloha no ke kōkua kālā inā ua male ʻoe ma kahi ʻāina i ʻike ʻia ai ka male Islam, no ka laʻana, Pakistan. Ma ka ʻaoʻao ʻē aʻe, inā ua male ʻoe ma UK ma lalo o ke kānāwai Islam, ʻaʻole ʻoe e ʻae ʻia no ke kākoʻo kālā, ke ʻole ʻoe i male civilly ma UK.
Inā ʻaʻole hiki iā ʻoe ke ʻae i ka ʻaelike e pili ana i ka uku ʻana i ka alimony, hiki iā ʻoe ke hana i kahi ʻaelike ma o ka mediation. Hoʻomaka ʻo Mediation me kahi "Mediation Assessment and Information Meeting" (MIAM). Ma MIAM e wehewehe lākou i ke ʻano o ka mediation a pehea e hiki ai ke kōkua iā ʻoe. Hiki iā ʻoe ke loaʻa ka ʻike hou aku e pili ana i ka mediation ma mua o ka hele ʻana i MIAM.
Nā ʻano o ka hoʻopunipuni moraki
I kēia mau lā a me nā makahiki o ka paʻa kiʻekiʻe, ua hoʻowalewale ʻia ka poʻe ʻona home makemake ʻole e nā hāʻawi kōkua, e hoʻopunipuni wale ʻia lākou mai ke kaulike a lākou i kūkulu ai, i hoʻopunipuni ʻia i ka hoʻololi ʻana i ko lākou home, a i ʻole ka uku ʻana i nā uku moraki. a i ʻole kōkua.
Ua pāpā ka Federal Trade Commission i nā hui kōkua moraki mai ka uku ʻana i nā uku a hiki i ka loaʻa ʻana o ka hāʻawi palapala ʻae ʻia mai ka mea hāʻawi a lawelawe paha. Hoʻokuʻu ʻia nā loio mai ka lula, akā pono e waiho i nā uku a lākou e hōʻiliʻili ai i loko o kahi waihona hilinaʻi o ka mea kūʻai aku a mālama i nā kānāwai mokuʻāina a me nā lula e pili ana i ia mau moʻokāki.
ʻO ka hoʻololi ʻana i ka hōʻaiʻē he ʻaelike i kākau ʻia me kāu mea hāʻawi a i ʻole ka mea lawelawe hōʻaiʻē e hoʻololi i nā huaʻōlelo kumu, e like me ka uku paneʻe, ka nui o ka uku, ke kumu, a i ʻole ka lā kūpono. Hiki iā ʻoe ke ʻike i nā hoʻolaha e hāʻawi ana i ke kōkua hoʻololi hōʻaiʻē, a i ʻole e nīnau kekahi iā ʻoe ma ke kelepona a i ʻole ma ka leka uila e hāʻawi i kēlā mau lawelawe. Loaʻa i kekahi o kēia mau hui nā pūnaewele i ʻike ʻia a i ʻole e ʻike ʻia he ʻoihana aupuni lākou. E noʻonoʻo ma mua o kou hoʻolimalima ʻana i kekahi e kōkua iā ʻoe e loaʻa i kahi hoʻololi hōʻaiʻē.
Keena o ka imi moraki
ʻO kahi moʻokāki escrow he moʻokāki i hana ʻia e kāu mea hōʻaiʻē moraki e uku i kekahi mau lilo pili i ka waiwai no ʻoe, e like me ka ʻauhau waiwai a me ka ʻinikua o ka mea hale. Hoʻokumu ʻia ia e kōkua iā ʻoe e uku i kēia mau lilo ma o kāu mea hāʻawi a lawelawe paha, i kēlā me kēia mahina i kēlā me kēia mahina, ma kahi o ka loaʻa ʻana o kahi bila nui hoʻokahi a ʻelua paha i ka makahiki. Ua kapa ʻia kahi moʻokāki escrow i kekahi manawa he moʻokāki impound. E aʻo hou e pili ana i ka hana ʻana o nā moʻokāki escrow. Hiki ke loli ka ʻauhau waiwai a me nā uku inikua i kēlā me kēia makahiki. Inā hoʻololi kāu ʻauhau waiwai a/a i ʻole nā uku inikua, e hoʻololi ʻia ka huina o kāu uku o kēlā me kēia mahina. e pilikia paha kāu moraki escrow, penei: Inā pilikia kāu moraki, hiki iā ʻoe ke waiho i ka hoʻopiʻi me ka CFPB ma ke kelepona ʻana (855) 411-CFPB (2372).
