Learn How To Interact With People With Disabilities

Learn How To Interact With People With Disabilities

A common misconception is to avoid a conversation with a person with disability fearing they might get offended when we ask questions about their condition or that there won’t be a common topic to talk about. It’s often awkwardness that makes most of us turn away from starting a conversation at all.

There are likely different reasons some people feel awkward or uncomfortable around disabled individuals. Some would assume that those with a handicap are bitter about their condition or that they may say the wrong thing if they try to talk to them.

“I think it’s human nature to be curious. And I don’t think anyone should feel bad about that,” he says. “If you ask most disabled people a question, they’re not going to mind,” says Alex Brooker, co-host of a Friday-night talk show The Last Leg.

What You Need To Realize

New York We Buy Houses SellAnyHouse NYC, a real estate agency based in New York City, has a soft spot for families with a family member who is handicapped or disabled. Because not all people have the patience and the interest to know how to properly interact with persons with disabilities; in New York, we buy houses from households who want to move to a community that is more welcoming to a person with special needs.

It doesn’t have to be a frustrating experience for these families. We can help make it easier for people with special needs or with a medical condition to settle in our community by understanding three things.

#1 It’s alright to ask questions. Open communication will help others understand what disability is like for families experiencing it. When you meet someone who is in a wheelchair, who can’t walk without a walking aid, use polite words to ask them about their condition.

It is not an intrusion of privacy. It is education and awareness. The more you know about the condition, you’d be more comfortable the next time to talk to the person or anyone with a similar condition. Read about Jamie Davis Smith’s blog about her daughter with special needs.

#2 Some disabilities are not visible. The persons with disabilities (PWD) icon is often a man in a wheelchair or an empty wheelchair. People can easily spot one with physical difficulty when they are using a wheelchair or a cane, in the case for blind people. But there are people that show no physical sign.

A seemingly well growing child may seem spoiled when the mother can’t control the child’s tantrum. What you didn’t know is the child may have autism or a global developmental delay. It isn’t just children who have this condition, adults too. It’s important that we give our understanding instead of judging looks. We buy houses in NYC with the home seller’s best interest in mind.

#3 Ask if you can offer help. If a handicapped co-worker looking like he is having a hard time getting coffee, ask first if you can lend a hand. At first glance, it may seem uncomfortable but bear in mind that their daily routine is different from yours but they are managing, and they have ways to get things done.

By asking if they need help, it’s a form of respect to how capable they can be despite their condition.

How Can You Help?

In New York, we buy houses in all types and forms, even a house that has been modified to cater to a disabled family member. Regardless of the condition, location, house value, or equity; if the need to sell is immediate, we do not hesitate to put forth an all cash offer that is guaranteed fair.

Our services aren’t limited to such circumstances though. We have a team of real estate consultants ready to share valuable information about practical solutions to the most common housing problems. If you know someone who is in a rush to sell their property to better care for a family member’s special needs, contact us! We will help!

2017-04-13T04:02:16+00:00 April 15th, 2017|Categories: Disability|Tags: , , |0 Comments

When A Lawsuit Threatens To Take Away Your Property

When A Lawsuit Threatens To Take Away Your Property

As law abiding citizens, facing a lawsuit isn’t a usual occurrence in our life. In fact, most of us will never have to worry about hiring a lawyer, responding to a judgment case, appearing in court, or looking for evidence to prove innocence.

But what if you receive a notice saying that a case has been filed against you by a debt collector? Imagine dropping your favorite coffee cup after reading such out-of-the-blue yet shocking letter.

In a press release issued by the Federal Trade Commission dated March 2016, debt collection complaints is on the top spot in the complaint categories. Some 897,655 consumer complaints or 29% of the total number were about unpaid debt.

While this could be frightening news, the best way to handle it, after the adrenaline rush starts to wear down, is not to panic. There are positively doable ways to handle the matter. Get through this ordeal and learn how you can protect and defend yourself at the same time.

Respond | Verify | Prepare | Defend

we buy houses New YorkDon’t complicate a simple debt collection case, but it doesn’t mean you have to be complacent about it. There is a step by step action course you can follow through to make sure the case doesn’t go out of hand.

Your Response

For every question there is a corresponding response. The complaint case needs a proper response from you. From a post in creditinfoceter.com it says:

The most important thing you can do is to Answer the Complaint by the due date. Once you’ve identified the paperwork that constitutes the complaint, you must answer it. You merely reply by stating whether or not you agree with the statements in the complaint and why. You must do it quickly, you only have 20 to 30 days (depending on your court) to answer the complaint. If you do nothing, you automatically lose and the collection agency has a judgment against you.

Seek a lawyer’s legal advise if you are unsure how to respond or what to write in your response.

Verify The Complaint

Demand to see the original signed agreement and detailed balance sheet of all the payments and deductions made. The debt collector’s documentation may not be adequate since it is possible that the record have been passed down several times before being bought by the collections agency.

It is important that you can verify the amount being collected, compare it with your own records (if you have one), to any receipts in your possession and your own copy of the agreement. Anything you can use to question the validity of the debt is useful when the case progresses.

Prepare Your Next Action

Also from the same post in Credit Info Center, additional action plan has been provided.

Many courts will let you handle everything through the mail. There is no need to take time off of work to personally file your answer. Send everything certified mail, return receipt requested; one copy to the court, one copy to the lawyer representing the Plaintiff.

Another good idea is to include a self-addressed stamped envelope and one extra copy with your answer to the court. In some cases, if you made a mistake in your answer, they will let you know immediately. If nothing else, they will send you an endorsed-filed copy of the filing so you know it was entered. One of our readers received a hand written note from the clerk asking my reader to call so the clerk could help correct the filing.

Your Defense

In this last step, it is important that you still seek the professional advise of a lawyer. They are the most knowledgeable body to help you win the judgment case. There is no replacement of the legal steps they can guide you with. For an in-depth discussion of this matter, refer to this link.

On the other hand, still from the same post, additionally it says:

Most often you will be presented with exhibits (documentation which serves as evidence) in the case file, such as credit card agreements and affidavits of debt. Usually you can object to this evidence and get it thrown out of the case based on hearsay. If you are successful getting this evidence thrown out (struck from the records), the Plaintiff will have no evidence against you. If they have no evidence, they cannot win.

When A Lawsuit Threatens To Take Away Your Property

When Things Get Out Of Hand

What if finding the right lawyer and hiring one does not fit in your budget? What if you’re burnt out after dealing with several other debt complaints? What if you had wished for an escape plan from all of this and start fresh somewhere else?

Well, running away from a debt you owe isn’t really a solution. It could only worsen the situation. However, here at Sell Any House, we can offer applicable solutions that may clear off the muddy puddle you’re in.

We are a home buying company specializing in providing alternative options for homeowners struggling with low home values, bad tenants, no equity, or with an unwanted house that will not sell.

If you are willing to downsize to come up with the needed funds to settle the debts, let Sell Any House help you with your “sell my house fast in NYC” need.

We care. We listen. We provide help any time.

2017-03-16T20:26:13+00:00 February 17th, 2017|Categories: Behind on Payments|Tags: , , , , |0 Comments

Negative Equity | Top 5 Ways To Rebuild Your Home Equity

Negative Equity

Top 5 Ways To Rebuild Your Home Equity

Home Equity is defined as the market value placed over a house after the remaining mortgage payments. It builds up over time as the property owner continues to pay off the house loan.

This is a pretty straightforward explanation of the term but what goes beyond the definition is a complex process, where property owners struggle with a depreciated equity due to a sudden decrease in property value in an area or an outstanding mortgage that is more than what the house is worth.

In a CoreLogic (a leading global property information, analytics and data-enabled services provider) report, by the first quarter of 2016 there is approximately 4 million or 8 percent of all houses with mortgage have no equity.

This situation seems bigger than the local weather report in early mornings. The fact that homeowners are facing a financial crisis involving their homes and the possibility of losing it, requires more attention and helpful guide on how to deal with no equity properties.

The Disadvantage Of Negative Equity

we buy houses NYCWhen news about the real estate market value dropping in some areas break out, you must find out if your area has been affected by the drop. If it is, then most likely, the value of your property may have dropped as well. This is not a cause of concern if your mortgage is still within the price you bought the property for.

Have a local real estate agent take a look at your home and find out its current value. If it turns out that you are “underwater”, then this could lead to some serious repercussions on your repayment agreements.

If you wish to refinance your mortgage, perhaps to get a more suitable refinancing plan from your lender or get a cheaper deal, the lender may not grant this request. Most lenders doesn’t allow homeowners with negative equity to change into a new mortgage deal. Find out how you can refinance with FHA in this article.

Other disadvantages include:

  1. The possibility of paying early repayment charges on the existing loan.
  2. Selling the house might not be possible.
  3. Extra fees and charges my be incurred.
  4. Only a few lenders offer refinancing a mortgage.

As hopelessly difficult as it may seem, there are ways to rebuild the value of your home.

Top 5 Ways To Rebuild Your Home Equity

Top 5 Ways To Improve Home Equity And More

Dropping Mortgage Balance

By diligently paying off the mortgage each month, a portion of the interest and principal loan is being paid off. This will help you improve the home value of your property.

Bigger Mortgage Payments

By paying more than what you owe each month, the added amount will be applied to the principal loan. Bigger loan payments equal to gaining home equity a lot faster.

Paying Off Twice a Month

Talk with your lender. Ask for a compromise and set up a biweekly repayment plan (if this is possible with your current cash flow). Once you make 26 payments throughout the year, this will trim down the repayment term, which eventually helps you save up on the interest rates.

Cutting Down the Mortgage Term

Shorten the payment terms. Cut it down to 20 or 15 years. Although this means paying up more on your monthly obligation, but you can negotiate for a lower mortgage rate, plus building back your equity much faster.

House Prices Eventually Increase

If you’re lucky enough to be in a booming community, there is a greater chance that the value of your home will increase on its own, dragging up the equity with it. You wouldn’t have to exert so much effort in this case, however, it could go the opposite way as well.

Invest More on Down Payment

Putting in a larger down payment means you can outset the automatically acquired home equity, which leads to a lower loan-to-value ratio and lower interest rates.

Proper Maintenance

Keep your house well preserved and properly maintained. When it is time to sell the property, keeping it in a good condition will give you a better shot at having a higher home value.

When It Is Time To Sell

All the work you have poured into your home will come to fruition when it is time to move out. Either through the traditional method or a fast “sell my house NYC” alternative route, the fact that you were able to rebuild the equity is an achievement worth commending.

At Sell Any House, we offer alternative solutions to homeowners in need of a fast home sale. We have been helping New York homeowners let go of an unwanted house in as little as 5 days. May it be about relocation, retirement, behind on payments, or or legal matters, we buy houses fast.

We understand the urgent need to sell a house right away minus the hassle and stress that comes with it. Get to know more about our fast house buying process and practical alternative solutions from one of our real estate investors today!


2017-03-16T20:09:33+00:00 February 16th, 2017|Categories: Home Equity|Tags: , , , , |0 Comments