dabuti
Nutriéndome con lágrimas de de derechas....
Curiosamente, los que tienen dación en pago (entregas las llaves y quedas libre de la deuda aunque el sistema crediticio americano hará que ya no te den en toda tu vida ni un préstamo para comprarte una gominola de 1 centavo) como California o Florida son los dos que han tenido una burbuja de mayores proporciones.
A saber lo que hubiera pasado en España viendo lo de los estados de California y Florida..............con bancos superavariciosos y ciudadanos que tal baila.
Non-Recourse and Recourse States List
A saber lo que hubiera pasado en España viendo lo de los estados de California y Florida..............con bancos superavariciosos y ciudadanos que tal baila.
The ***owing is a list of non-recourse and recourse states. Recourse basically means that the lender can come after you (has recourse against you) if your house sold at auction or through a short sale for less than the amount owed the lender. If you borrowed $350,000 to buy your home and it sold at auction for $200,000 there is a deficiency of $150,000. That lender can have recourse against you for that amount depending on your state.
In many states, non-purchase money second mortgages (such as HELOCS) are recourse loans. So, the loan you took out to purchase your house could be non-recourse, but that equity line of credit you used to buy a boat won't be.
Remember that you may be liable for taxes on the deficiency regardless of whether the loan is recourse or non-recourse. Each state has its own variation on the application of its recourse and deficiency statutes. You need to look to your state's statutes and speak to a local attorney for an interpretation.
Non-Recourse States DACIÓN
* Alaska (AK)
* Arizona (AZ)
* California (CA)
* Connecticut (CT)
* Florida (FL)
* Idaho (ID)
* Minnesota (MN)
* North Carolina (NC)
* North Dakota (ND)
* Oregon (OR)
* Texas (TX)
* Utah (UT)
* Washington State (WA)
Recourse States NO DACIÓN
* Alabama (AL)
* Arkansas (AR)
* Colorado (CO)
* Delaware (DE)
* District of Columbia (DC)
* Georgia (GA)
* Hawaii (HI)
* Illinois (IL)
* Iowa (IA)
* Indiana (IN)
* Kansas (KS)
* Kentucky (KY)
* Louisiana (LA)
* Maine (ME)
* Maryland (MD)
* Massachusetts (MA)
* Michigan (MI)
* Montana (MT)
* Mississippi (MS)
* Missouri (MO)
* Ohio(OH)
* Nebraska (NE)
* Nevada (NV)
* New Hampshire (NH)
* New Jersey (NJ)
* New Mexico (NM)
* New York (NY)
* Oklahoma (OK)
* Pennsylvania (PA)
* Puerto Rico (PR)
* Rhode Island (RI)
* South Carolina (SC)
* Tennessee (TN)
* Vermont (VT)
* Virginia (VA)
* West Virginia (WV)
* Wisconsin (WI)
* Wyoming (WY)
Non-Recourse and Recourse States List