4937 Hopespring Dr Goes into Foreclosure

[ExpectingUnicorns]

I can't imagine the suffering of the Anthony family. To have to leave behind the house they shared with Caylee will/would obviously be terrible for them. My thoughts are with them, (and with all people losing their homes in these times of course).

Those were my first thoughts too, seagull. But then I realized (with the insight of many of the posters here) that the Anthonys did not really fall into this housing situation unaware. It was a matter of priorities for them. We know for a fact that they have had access to monies that would have supported a less than $800 per month payment on their mortgage (without even working). It was their choice to apply that money to different expenditures. I believe it was a matter of choice for them; it was not accidental or unexpected. And since I am not aware of anything constructive that they have used their ill begotten money for I have decided that I can't really sympathize with them. Certainly not like so many others, in today's society, who are actually working at real jobs, have also suffered major setbacks and calamities and are losing their homes ~ and not based on their choices. I'll reserve my sympathy for those people.

 

[ExpectingUnicorns]

FWIW...in FL. you do not have to be listed on the loan to be on the title of a home. In the case of a husband and wife, GA / CA would be listed on the title....as a primary home GA would have to sign the "mortgage" which states he is aware that there is a mortgage lien against the home, but if his income / assets/ credit were not used in qualifying for the loan itself, he would not be listed on the note. The note is what shows how much money is owed and the terms of repayment. I hope that explains it a little more.



ETA......GA is not on the title, only CA. He did sign the mortgage but not the note. See my links and info in post 602

Respectfully bbm. If George is not on the title, how does that square with Cindy's worry (conveyed from SP) that George would profit from the house if they got divorced. If it was in Cindy's name alone it seems it would afford some protection from it being included in the property sharing in divorce proceedings. Does this mean Cindy was decietful when she gave this as the reason for not divorcing George? Or would FL still require them to split the house without regards to title?

 

[kaRN]

Do we know for sure Cindy is on Government Disability or SS Disability? My understanding of that is not that one can't work in their field, but, can't do ANY paid work. My thought is Cindy certainly does not seem disabled by that definition, so she is probably drawing private disability insurance,like ASFLAC (sic) or something similar where the standards (to my understanding ) are lower - they pay if one can't do the job one is doing when one is covered/paying for the insurance.

I wouldn't hire either one of them for anything. They have proved themselves (to me) to be dishonest and are hopefully going to be charged with something criminal over this all.

I have to respectfully disagree about CA's alleged disability. As an RN, CA is in a position of trust. Her conduct over the past 19 months has demonstrated clearly IMO, that Gentiva misplaced trust in CA. Her critical thinking skills are almost non-existant as are her assessment skills, demonstrated by her inability to diagnose KC's pregnancy and assumption that a 20 lb pelvic tumor didn't require medical treatment.
It's all fine and good to threaten legal action to protect a child from a negligent parent but an RN is required by law to follow up. CA is liable professionally for her inaction with respect to protecting Caylee. She had concerns, did nothing and the child ended up dead.
Lying isn't against the law to CA, but it is to any other RN. You lie to your patients , lie about the treatment given, lie in your charting and you are liable.
So yes, I believe CA is disabled from ever practicing nursing again, possibly from employment period. I also believe she needs whatever help an extended disability claim would require her to participate in so I don't begrudge her that. I'm just glad for the good people of Florida, she cant work.

 

[WholeLottaRosie]

Respectfully bbm. If George is not on the title, how does that square with Cindy's worry (conveyed from SP) that George would profit from the house if they got divorced. If it was in Cindy's name alone it seems it would afford some protection from it being included in the property sharing in divorce proceedings. Does this mean Cindy was decietful when she gave this as the reason for not divorcing George? Or would FL still require them to split the house without regards to title?

Quite possibly. In some states, and, I am not sure about Florida, the marital home gets split even if only in one party's name.

 

[sleutherontheside]

Respectfully bbm. If George is not on the title, how does that square with Cindy's worry (conveyed from SP) that George would profit from the house if they got divorced. If it was in Cindy's name alone it seems it would afford some protection from it being included in the property sharing in divorce proceedings. Does this mean Cindy was decietful when she gave this as the reason for not divorcing George? Or would FL still require them to split the house without regards to title?

I don't know how to answer that. In a divorce GA could theoretically argue entitlement to a portion of any equity in the home. Perhaps...in lieu of spousal support, assigning equity to CA to offset debts he incurred.....there are a number of possibilities. The State of FL. could not force a split of equity or interest but it would be considered in any dissolution of marriage as an asset to be divided. Given that the mortgage exceeds the value of the home....it ends up being a moot point. I doubt when this mortgage was originated that they anticipated the severe decline in Orlando property values.

 

[rossva]

The two unnamed defendants are just BOA covering it's butt. When I got served the foreclosure notice for my house, it listed unnamed defendants as well. According to my attorney, it's a common practice incase there is a wife or husband not listed on the mortgage, but might also be finacially liable. Usually the mortgage company will file a follow up in future months dropping everyone not on the mortgage.

the two unnamed defendents are interesting.

 

[rossva]

Exactly. When I purchased my house in Florida, I bought it as a primary resident/ investment residence with another couple. That couple had terrible credit, so I financed their half the down payment, and their name was on all paper work except the actual mortgage paper work.

FWIW...in FL. you do not have to be listed on the loan to be on the title of a home.

 

[Imbackon]

when you have a married couple it doesn't matter if one or both buy, the general rule is one to buy, two to sell, regardless whether both names are on the title.
I don't know if Florida is no fault divorce state, but in most states, assets are split 50/50, and if there is a vast difference in earning potential of one spouse over another, then maybe alimony at least temporarily is given. Long term alimony can be given depending on age of spouses, and lenght of marriage. As far as splitting assets, one may get the house, the other IRA's or savings or whatever so doesn't just mean split the house equity as what matters is an equitable split. Cindy has/had more to lose if she has pension money as that is probably far greater than anything George would have in pension. House assets really wouldn't have existed even in 2006 during the divorce talks as this is when they took out the second mortgage, probably to cover their debts.

 

[scorpion1110]

snipped respectfully by me..

Wouldn't the extra $750 or so in your bank account every month tip you off?

LOL........it would'nt tip me off.......I am the worst person with $$$.....EVER

 

[doogiesgirl]

For those familiar with me posts and/or blogs, I never blame the wreckage of my past on anyone but me. Even with 6 years clean*, a degree and an engineering certification, coupled with a stellar (and verifiable) attendance record, it is hard for me to find steady work. Trust me, once popped some NEVER let you pay your so-called "debt to society" and I am OK with that. However, I am almost always one bad month away from homelessness (ONCE was enough, thank you) and jail if I miss child support. I expect no parade for finally controlling an appetite for drugs and violence. My point? Life is tough, scooter, get used to it. As a consultant I can have a month that pays what would take 6 to earn if at a minimum wage job. Then I may go the next 3 months without work. How do I pay support and keep a roof over me head? Well, at least the rules are easy. I stay off the drugs, trust God, and LIVE WITHIN MY MEANS.

Keeping an eye on the WS TOS, let's just say Caylee's grandparents got a real taste of American generosity when the story first broke. That anomalous rain of cash was not going to last forever. If anyone thought it was, they were foolish. Notoriety does not equal fame, and even "fame" can be tough to cash in on. Ask any one hit wonder about that supposition. Whether that alleged foundation was/is an attempt to keep the dineros flowing is between them, God, and the IRS.

My point? Certain figures in that tragio-comedy were not fiscally jurisprudent 20 years ago and seemingly learned nothing from losing a home (among other things) previously. Trust me, or don't, but this board and this country are full of folks like the poster with cancer and a hubby with a bum ticker. Knocked on our metaphorical dupas, we get up, dust ourselves off, and drive on. This is NOT a dig at the posters who expressed sympathy, far from it. I wish I could be as philosophically charitable as you. If I could get $20K for a picture of me little brother who dusted himself, I could BUY a house in my current less than fashionable neighborhood.

In closing, karma does indeed have very sharp teeth. Shaking off the bad karma I brought upon my lonesome has taken YEARS of living right and the road ahead is still a long one. Reaping the harvest one has sown is more than a religious platitude *advertiser censored* cliche. It is a time tested maxim. The first step, were I in a similar situation, would be to look into a mirror instead of a TV camera. Hopefully this post has caused some to think about the points covered. Charity to all and malice towards none is a good stance but should be grounded in reality.

* polite term for heroin-free

I wish you the best, and encourage all of us to hang on to live with an iron grip during the tough times. They come for us all, but thank the Lord......don't last forever. moo

 

[nyvictoria]

Do we know for sure Cindy is on Government Disability or SS Disability? My understanding of that is not that one can't work in their field, but, can't do ANY paid work. My thought is Cindy certainly does not seem disabled by that definition, so she is probably drawing private disability insurance,like ASFLAC (sic) or something similar where the standards (to my understanding ) are lower - they pay if one can't do the job one is doing when one is covered/paying for the insurance.

I wouldn't hire either one of them for anything. They have proved themselves (to me) to be dishonest and are hopefully going to be charged with something criminal over this all.

My private (company) disability is paid as long as I can't work the same position I had when I became disabled. I'm not sure what SSD says about that.

FWIW, there was some discussion a few pages back about collecting SSD and private disability. I have both. The insurance company provided legal services for the SSD process which took almost 3 years because of the back-log. My monthly benefit is reduced by the amount of my SSD payment. Private disability will continue until age 62.

I'd rather be working :banghead:

 

[CuriousTwo]

Those were my first thoughts too, seagull. But then I realized (with the insight of many of the posters here) that the Anthonys did not really fall into this housing situation unaware. It was a matter of priorities for them. We know for a fact that they have had access to monies that would have supported a less than $800 per month payment on their mortgage (without even working). It was their choice to apply that money to different expenditures. I believe it was a matter of choice for them; it was not accidental or unexpected. And since I am not aware of anything constructive that they have used their ill begotten money for I have decided that I can't really sympathize with them. Certainly not like so many others, in today's society, who are actually working at real jobs, have also suffered major setbacks and calamities and are losing their homes ~ and not based on their choices. I'll reserve my sympathy for those people.

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[passionflower]

When will the Anthonys have to vacate the house???

 

[Horace Finklestein]

I can't imagine the suffering of the Anthony family. To have to leave behind the house they shared with Caylee will/would obviously be terrible for them. My thoughts are with them, (and with all people losing their homes in these times of course).

Oh brother - they are criminals and they put themselves in this position. No sense in acting like this is anyone's fault but their own. Sheesh

 

[txsvicki]

I don't blame the Anthony's for letting the home be foreclosed. They owe over $120,000 due to the second mortgage and they'd have to live in the house where Caylee died and the accused murderer was raised. That would be horrible, plus everyone knows their address and they could be worried about lunatics coming after them. Cindy worked all those years and now has nothing to show for it. I'll be suprised if they are actually able to pull off any real missing persons work and they'll probably spend any of George's book money or any other on Casey's legal defense and future appeals. A little get away cruise is nothing compared to what they are facing as they grow older.

 

[100%Agave]

I know this is OT kinda/sorta but exactly how does CA qualify for disability? What is her disability? Does being blind to your children's major malfunctions qualify?

I have heard people who are truly disabled that have to fight to get disability payments from the government, how did she manage it and so quickly?

If it is some kind of insurance thing, how did she get that past the insurance company? No insurance company is just going to hand over bucks in any amount without some form of proof.

I just don't get it.

 

[100%Agave]

I don't blame the Anthony's for letting the home be foreclosed. They owe over $120,000 due to the second mortgage and they'd have to live in the house where Caylee died and the accused murderer was raised. That would be horrible, plus everyone knows their address and they could be worried about lunatics coming after them. Cindy worked all those years and now has nothing to show for it. I'll be suprised if they are actually able to pull off any real missing persons work and they'll probably spend any of George's book money or any other on Casey's legal defense and future appeals. A little get away cruise is nothing compared to what they are facing as they grow older.

But if they really didn't want to/couldn't stand to live there any more, why didn't they just pay the notes and put it up for sale? If they could not get any money out of it in a regular sale because of the market, they could do a short sale.

No matter what they have to look forward to in their old age, the cruise, which they tried to keep secret (IMO because they knew it would go over like a lead balloon), was an ill timed and extravagant expense that they supposedly did not have the money to spend since they didn't pay their mortgage.

The tats and diamond earrings just add fuel to the fire. Those are definitely what most of us would consider luxury items. I need a new tattoo, too but since I am not working....which is more important, my mortgage payment or new ink?

 

[ZsaZsa]

When will the Anthonys have to vacate the house???

FWIW - Someone on another site states that they have already moved out and are renting in the same neighborhood, on Flatwood Lane, a house owned by a Minister. That would make no financial sense if they were really broke, so something else is going on if the information is true.. Your guess is as good as mine.

 

[ZsaZsa]

But if they really didn't want to/couldn't stand to live there any more, why didn't they just pay the notes and put it up for sale? If they could not get any money out of it in a regular sale because of the market, they could do a short sale.

No matter what they have to look forward to in their old age, the cruise, which they tried to keep secret (IMO because they knew it would go over like a lead balloon), was an ill timed and extravagant expense that they supposedly did not have the money to spend since they didn't pay their mortgage.

The tats and diamond earrings just add fuel to the fire. Those are definitely what most of us would consider luxury items. I need a new tattoo, too but since I am not working....which is more important, my mortgage payment or new ink?

Not to mention the facial cosmetic surgery for CA.

 

[ZsaZsa]

I know this is OT kinda/sorta but exactly how does CA qualify for disability? What is her disability? Does being blind to your children's major malfunctions qualify?

I have heard people who are truly disabled that have to fight to get disability payments from the government, how did she manage it and so quickly?

If it is some kind of insurance thing, how did she get that past the insurance company? No insurance company is just going to hand over bucks in any amount without some form of proof.

I just don't get it.

It is probably depression, anxiety, although from what we see of her she is hardly incapacitated by it. Work would be the best thing she could do to help herself. How does it get passed? Who knows. I worked with a woman whose husband never did a lick of work, she told me he was on SSI disability because he had an uncontrollable temper - I kept waiting for her to give me some diagnosis or other, but she said no, not mental illness,just behavior that employers would not tolerate so that was how he qualified....... go figure