比較破產程式中清償債權 喪失抵押品贖回權和虧損出售的區別(二)
楊清泉律師事務所
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What happens to the real estate tax? Real estate taxes which accrued before and up to date of filing of bankruptcy are discharged. Real estate taxes that accrue after date of filing of bankruptcy up to foreclosure sale date are not discharged. How about homeowner association fees? If client lived in this house, the HOA fees before and up to date of filing are discharged. HOA fees from filing date to foreclosure sale date are not discharged. HOA fees for rentals are not discharged irrespective of time period.
地產稅是如何征收的呢？之前累計的房地產稅到申請破產期間都是免稅的。從申請破產之後到丧失抵押品贖回權期間是房地產稅不免收的。那麼HOA費呢？如果客戶住在這所房子，申請破產前和過程中都是免收的。但是, 申請破產一旦開始到丧失抵押品贖回權處理中是征收業主協會費的。業主協會的租金費用是不征收的，不論履行時間長短。
What happens if debtor does not have a bankruptcy discharge? Can Bank A sue debtor for $100,000 because Obama only paid Bank A $200,000 when $300,000 was owed by debtor? If the house is in California and it was extra judicially foreclosed, the answer is No because there is no foreclosure deficiency under such circumstances. If the foreclosure was judicial, the answer is YES. If the house is in Florida, the answer is YES because most foreclosures there are judicial. Can Bank B sue debtor for $50,000? YES, because debtor signed 2 documents, a mortgage and a promissory note. The foreclosure by Bank A nullified the mortgage, but the promissory note is unaffected and remains valid. Can personal friend sue debtor for $20,000? Yes, because the promissory note remains valid even though the house is gone. Can Bank A, B and personal friend give debtor a 1099 for amounts forgiven if they decide to forgive debtor? Yes, because these debts are not discharged in bankruptcy.
如果債務人沒有獲得清偿债权, 那又會是什麼樣的情況呢？ A銀行是否可以因為10萬美元餘款起訴債務人呢? 就因為奧巴馬欠A銀行30萬美元房子抵押套現卻只值20萬美元嗎? 如果房子是在加利福尼亞州, 答案是否定的. 因為加州的法律, 是沒有在這種情況下取消抵押品贖回權的。如果一個州擁有取消抵押品贖回權的司法，答案就是肯定的。如果房子是在美國佛羅里達州，答案是肯定的，因為大部分法拍屋都有這種權力。 B銀行可以因為50, 000元起訴債務人嗎？是的，因為債務人簽署了2份文件，抵押貸款和期票。取消抵押品贖回權的抵押貸款銀行 A無效，但本票不受影響，仍然有效。這個人的朋友可以因為20,000元起訴債務人嗎？是的，因為本票仍然有效，即使房子沒有了。銀行 A，B和私人朋友如果決定原諒債務人可以給債務人一個 1099嗎？是的，因為這些債務沒有履行破產。
Does it make sense to short sale house if you are going to file for bankruptcy? NO. Bankruptcy wipes out all debts; therefore there is no need for a short sale. With a bankruptcy discharge, debtor owes nothing to Bank A, B and personal friend; therefore short sale has no purpose.
如果你要申請破產, 那麼虧損出售房屋是否合理？不是的。因為破產抵銷了所有債務，因此沒有必要進行了虧損出售了。根據清偿债权，債務人就不再欠銀行A，B和私人朋友的錢，因此也不需要虧損出售還債了.
Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than four thousand successful bankruptcy cases in California. He speaks looks forward to discussing your case with you personally. Please call (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.
勞倫斯.楊畢業於美國喬治敦大學法律中心，並已在法律界實踐 30多年。他專門從事破產，企業和民事的訴訟，並已在加州處理了超過 4000個的成功破產案件。他期待著與你討論你的案例情況。請致電（626）284-1142預約. 地址: 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803
What happens to the real estate tax? Real estate taxes which accrued before and up to date of filing of bankruptcy are discharged. Real estate taxes that accrue after date of filing of bankruptcy up to foreclosure sale date are not discharged. How about homeowner association fees? If client lived in this house, the HOA fees before and up to date of filing are discharged. HOA fees from filing date to foreclosure sale date are not discharged. HOA fees for rentals are not discharged irrespective of time period.
地產稅是如何征收的呢？之前累計的房地產稅到申請破產期間都是免稅的。從申請破產之後到丧失抵押品贖回權期間是房地產稅不免收的。那麼HOA費呢？如果客戶住在這所房子，申請破產前和過程中都是免收的。但是, 申請破產一旦開始到丧失抵押品贖回權處理中是征收業主協會費的。業主協會的租金費用是不征收的，不論履行時間長短。
What happens if debtor does not have a bankruptcy discharge? Can Bank A sue debtor for $100,000 because Obama only paid Bank A $200,000 when $300,000 was owed by debtor? If the house is in California and it was extra judicially foreclosed, the answer is No because there is no foreclosure deficiency under such circumstances. If the foreclosure was judicial, the answer is YES. If the house is in Florida, the answer is YES because most foreclosures there are judicial. Can Bank B sue debtor for $50,000? YES, because debtor signed 2 documents, a mortgage and a promissory note. The foreclosure by Bank A nullified the mortgage, but the promissory note is unaffected and remains valid. Can personal friend sue debtor for $20,000? Yes, because the promissory note remains valid even though the house is gone. Can Bank A, B and personal friend give debtor a 1099 for amounts forgiven if they decide to forgive debtor? Yes, because these debts are not discharged in bankruptcy.
如果債務人沒有獲得清偿债权, 那又會是什麼樣的情況呢？ A銀行是否可以因為10萬美元餘款起訴債務人呢? 就因為奧巴馬欠A銀行30萬美元房子抵押套現卻只值20萬美元嗎? 如果房子是在加利福尼亞州, 答案是否定的. 因為加州的法律, 是沒有在這種情況下取消抵押品贖回權的。如果一個州擁有取消抵押品贖回權的司法，答案就是肯定的。如果房子是在美國佛羅里達州，答案是肯定的，因為大部分法拍屋都有這種權力。 B銀行可以因為50, 000元起訴債務人嗎？是的，因為債務人簽署了2份文件，抵押貸款和期票。取消抵押品贖回權的抵押貸款銀行 A無效，但本票不受影響，仍然有效。這個人的朋友可以因為20,000元起訴債務人嗎？是的，因為本票仍然有效，即使房子沒有了。銀行 A，B和私人朋友如果決定原諒債務人可以給債務人一個 1099嗎？是的，因為這些債務沒有履行破產。
Does it make sense to short sale house if you are going to file for bankruptcy? NO. Bankruptcy wipes out all debts; therefore there is no need for a short sale. With a bankruptcy discharge, debtor owes nothing to Bank A, B and personal friend; therefore short sale has no purpose.
如果你要申請破產, 那麼虧損出售房屋是否合理？不是的。因為破產抵銷了所有債務，因此沒有必要進行了虧損出售了。根據清偿债权，債務人就不再欠銀行A，B和私人朋友的錢，因此也不需要虧損出售還債了.
Lawrence Bautista Yang is a graduate of Georgetown University Law Center and has been in law practice for thirty years. He specializes in bankruptcy, business and civil litigation and has handled more than four thousand successful bankruptcy cases in California. He speaks looks forward to discussing your case with you personally. Please call (626) 284-1142 for an appointment at 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803.
勞倫斯.楊畢業於美國喬治敦大學法律中心，並已在法律界實踐 30多年。他專門從事破產，企業和民事的訴訟，並已在加州處理了超過 4000個的成功破產案件。他期待著與你討論你的案例情況。請致電（626）284-1142預約. 地址: 1000 S Fremont Ave Bldg A-1 Suite 1125 Unit 58 Alhambra, CA 91803
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