What Happens to Your Legal Rights After Hurricane Helene?

[@memyselfi7292]

I lost my house in a fire. I didn't have enough to rebuild. I was homeless for a year. I finally bought a large shed on payments and proceeded to turn it into a tiny house to get back on my own property. Within 6 months, I was fighting cancer. I survived. My credit was wrecked from the cancer. It made me think outside the box. I came up with about $1200 more money and paid my mortgage off to help me become debt free. I decided to live small indefinitely until I'm free to rebuild for cash. No more banks. No more chains. I know this isn't exactly the same. But maybe it can help people get some ideas? I hope.

[@mrmotofy]

Not allowed in a lot of areas due to regulations

[@darladiaz695]

God bless you as I pray things ease up evermore for you!! 💜

[@rosesmith6208]

banks are the most corrupt institutions thus far except for churches who misrepresent God btu glad you made it, if there is debt it is what they owe us, or owe God as to their fraudenlent practices. in fact governments false religions and big business have accumulated debt against themsevles to God and he will collect (I call it justice)

[@tjodogify]

That’s exactly what I did and it’s liberating. Not owning a huge house….

[@tuckermetts4518]

Same here got a small shed 12x26, now I only have a 45 per month cell phone and car insurance, I have never felt so rich

[@ImLisaMoore]

people need to start questioning why the average person has to just accept the loss but the billionaire banks do not have to accept a loss.

[@rosesmith6208]

or why dont they have to pay the people back and why the citizen has to get loans and not bail outs.

[@Peculiar_Optics]

Exactly. Tell them to try and foreclose on the house that is no longer there.

[@everpresent2443]

16 years ago, we bailed out banks. We made good on the mortgages. Then, the banks evicted people from the homes we paid for. Next, the houses were sold. We were not paid back. The banks won twice. Those homes should have become property of the taxpayers until such time the intended owner could make good on the debt. Where were our paid representatives?

[@jayleeper1512]

@@everpresent2443they were standing there with their hands out to get their share of the money the banks kicked back to them.

[@user-xn9zj3yd7u]

I constantly saying this ! We have got to do something anything protest I do t know but it is ridiculous and just topsy turvy that I pay more federal income tax than Jeff bezos!

[@elizabethbottroff1218]

The two of you discussed mortgages and property lines. It made me remember an interview survivor statement. To paraphrase, they didn't just lose their home. They lost the land that their home had been on. For some, their land slid down a mountain and is now a new ravine too dangerous to build onto again. For others, the river channel changed and took away the homesite, the driveways, the access bridges and culverts, and even the road that had passed by their home. It is difficult to comprehend the level of devastation in some of the hardest hit areas.

[@CeruleanSky1111]

Regarding surveys: a friend of mine had property surveyed before she bought it. When the markers for the property boundaries were put into the ground, she made sure every single marker's GPS coordinates were logged in the survey documents so if there were to be a dispute in the future, she would have a certified survey stating said coordinates to refute a boundary challenge. Sounds like a pretty smart thing to do!

[@anitaostrander4301]

Thank you for everyone volunteering to help these ppl

[@Somee989]

Something is extremely warped. FEMA just spent close to 700 billion dollars setting up tent cities for workers who do not work. Paper pushers and lazy untrained DIE wokesters. They need to all be clothed and fed three meals a day and many vehicles for transportation. They could spend only 200 million in building materials, chain saws and even purchasing heavy duty equipment and everyone could rebuild and have millions left over. Government sucks so bad.

[@donnat639]

Thank heavens for people like you. It’s all just unimaginable for us folks looking at what has happened from outside NC. Much love & continued prayer. Be strong. Hold fast to what remains.

[@mmoudy5884]

Please do not give up. A similar situation happened to me. I did not file bankruptcy but i was able to get help from an attorney. He filed some sort of paperwork with my mortgage agent and i no longer needed to pay my mortgage. Of course the property went back to the mortgage holder but somehow it did not hit my credit. This attorney was in Georgia and I know each state has different laws. I was thankful it was handled.

[@audreyl704]

[@CBReal1290]

Was it a Deed-in Lieu of Foreclosure?

[@mmoudy5884]

@ This happened to me years ago. My husband died of a massive heart attack,was DOA at the hospital . The house was in Houston, TX, i was living in Atlanta, GA due to my job. I had to stop making payments on the home and it was being foreclosed on. I went to an attorney in Atlanta and he filed legal papers, charged me 1000.00 dollars and the deal was done. I do not know what he did but it did not do any harm to my credit. The house was in both of our names and we had owned the house about 10 years. It might have been a Deed in Lieu of Foreclosure, I wish I could remember.

[@ky.gambler5281]

@@mmoudy5884 what happened to the Texas property and how much equity did you have in it? Different options arise..

[@mmoudy5884]

@@ky.gambler5281 The house was purchased in 1983. The builder had gone bankrupt, the house was never lived in, was picked up by a bank, and we purchased the home for nothing down from the bank. My husband died in 1989. I leased the house and moved to Atlanta with my job. In one year the lease was up and the renter moved out so I could no longer make the payments. If I remember correctly it was the beginning of 1993 when I got a notification that I was going to be sued. I took that paperwork to an attorney that was a real estate attorney and it was settled. So payments were made on the home from September 1983 to the end of 1990. So seven years of payments and no down payment on the house to begin with. Not much equity, I would say. I did purchase another home in 1996 and was able to get a fixed 30 year fixed loan with10% interest. I paid that loan off in 10 years. I also finished college after my husband died and got a much better job. So you can purchase a home at 10% interest and get it paid for early. If people remembered interest rates on homes were much higher than they are now in the 80s and 90s. People still bought homes then .

[@sharkscrapper]

I've been volunteering at a local Red Cross shelter in Asheville. I was very lucky with relatively minimal damage. But listening to so many heart rending stories of loss really makes one think hard about planning for the next time. Helene will be the hurricane that keeps on taking for a long time.

[@rea8755]

Please take time to refresh yourself. You're absolutely going to deal with PTSD.

[@sharkscrapper]

@@rea8755 thank you

[@rea8755]

@@sharkscrapper absolutely Thank you. Helping one another is the way

[@pjames8712]

What the people could not plan for was the opening of 3 dams.

[@sharkscrapper]

@@pjames8712 the point of my comment, and this video, is what do we do to be ready for disasters. There are actions we can all take moving forward to be better prepared.

[@MoonbeamAcres]

I just thought of something. If anyone has already had to show their medical or other types of power attorney to a hospital in the past, they probably made a copy of it for the patients chart. You could go to the hospital and ask if there is a copy of it in there and ask that they get one of the notary's to notarize the copy, (all hospitals have them usually in their business office). That may help someone in the future.

[@nicktoofar3514]

I sure hope this word gets out. And thank you both and everyone else that provides this service to these people. God bless

[@alanking6173]

thanks for you helping at no cost, God bless you

[@kerrybyers257]

For those still missing….the family limbo until their loved one is declared dead….nightmare.

[@MDAdams72668]

Many will NEVER be found there are many areas where whole homes are buried/washed away

[@ky.gambler5281]

@@MDAdams72668 Declare it a grave yard?

[@terilynpfister760]

Thank you so much for posting this. I honestly didn't know that these are a lot of things I would need for life period let alone how to replace them. GREAT information.

[@highrx]

How about property tax assessments? If your house is gone, the county or the state shouldn’t be charging you the tax rates you were paying prior to the disaster. The small governments will go broke due to the income from taxes going down. The fire department, police departments, and the schools will be hurt the most. Likely most employees will lose their jobs.

[@catwithoutthehat]

You will likely have to pull a permit for the assessors to change it, since it's already on file, I'm paying taxes on my house that burnt down but I refuse to pull permits bc it's my property and I'm doing all the work

[@pwoeckener]

@@catwithoutthehat If you lost your house in a fire, and are still paying property taxes you are a fool. I would walk away from it all and let the county do whatever they want with the land. It's a total loss. Walk away.

[@catwithoutthehat]

@@pwoeckener nah, I own it, taxes are cheap, and I'm gonna build my house how I want, it was a mobile home trailer, currently living in a camper rn, for 9k(edit is what i paid for the property)my rent is 350 a year in taxes I have a little over an acre, and a big ass garage (needs a roof) no bills beats tf out of 1200+ month rent and other bills, and a house 3doors away from me just sold for 200k, id rather take my time and when im done I'll have what i want and it'll be valued roughly 150k only bc im not on the water like the other house that recently sold

[@catwithoutthehat]

@@pwoeckener also gives me time to homeschool my kids, garden, plant fruit trees, and my other hobbies

[@tammyatkins18]

Thank you for helping people ,they need someone to stand up for them

[@GriffinNotary]

Don't forget to verify the notary commission. That can be checked on your state website. Make sure you know what fees a notary can charge. Some like to charge a convenience fee and some states don't allow it. Be careful of notaries wanting to do notarization online. Not every state allows it and not everyone accepts eNotarized documents

[@YouMatter-UDo]

True. And robosigned fake docs are still all over out there. I had three on my sold several times loan docs I never was aware of until I fought their nonsense at sale of my long time home.

[@jerrythomas9041]

Thank you for offering your time and expertise to help these people devastated by Hurricane Helene.

[@rocco265]

Very helpful summary of all that will need to be sorted out. Clear information at a time when folks are overwhelmed.

[@CBReal1290]

Excellent discussion and reminder of legal aid of NC

[@Decentralized_Maze]

One thing I didn't hear discussed is what was declared for certain areas...... Eminent domain. Search for the press release from Governor. Thank you both for all the helpful information for those that need it.

[@allangibson8494]

Eminent domain requires compensation at “fair market value”.

[@everpresent2443]

16 years ago, we bailed out banks. We made good on the mortgages. Then, the banks evicted people from the homes we paid for. Next, the houses were sold. We were not paid back. The banks won twice. Those homes should have become property of the taxpayers until such time the intended owner could make good on the debt. Where were our paid representatives?

[@anonz975]

Your paid representatives were getting campaign donations from the banks. Yes really, especially presidential candidates/incumbents.

[@allangibson8494]

Being paid by the banks…

[@jeffmoodie6144]

All complicit.

[@dknowles60]

I had the same prob. i got a lawyer to help fight Obama help me get laid off in 2010, my lawyer help me get on my states save a home program

[@jamieford4594]

This is such an important conversation to have. Thank you!

[@AmenMama-qe4sq]

Thousands have died. I wonder how many will be coming back to claim property. This is beyond devastating.

[@lt2547]

It’s called collect insurance, then be evaluated for bankruptcy chapter 7. Ch 13 can eventually be converted to 7 under the right circumstances. See a BK lawyer, evaluate and assess starting over. This is so unfair! I hate this for the victims.

[@gwebocelestron9194]

DO NOT rush to filing bankruptcy. Foreclosure on property is much better for you thsn bankruptcy. Foreclose, under normal circumstance will only mess up your credit rating for maybe 2 to 3 years. A bankruptcy with mess you up for a solid 10 years, no if's, and's or but's.. A foreclusure under disaster circumstances may not mess with you at all. People will likely need credit to rebuild their lives, don't mess up your ability to get crefit by filing bankruptcy. Also, file a disaster with the IRS. You can amend your tax return to file a disaster when it is a federally declared disaster, which this is. That's another good way to get relatively quick cash from the IRS for this disaster.

[@audreyl704]

@@gwebocelestron9194

[@reneeb.2702]

People in the mountains are not going to have hurricane or flood insurance so can’t collect anything. Can file for some FEMA funds but that is not much. Even if a home is paid off, there is nothing to sell or any money to rebuild. What a nightmare.

[@davidalbright7335]

From a legal and technical perspective, no hurricane hit North Carolina. The most northern state to have experienced a hurricane on 9/26 or 9/27 was the southern part of Georgia. The remnants of Hurricane Helene struck Western North Carolina as a tropical storm which, in many respects, was far more disastrous than the hurricane. Had NC emergency management followed the expertise of meteotologists, for the week leading up to the storm, the loss of life may have been greatly mitigated. This distinction or the lack thereof, excited normalcy bias that, "We don't get hurricanes in the mountains." While the intensity and magnitude of the flooding, caused by as much as 30" of rain, was not exactly expected, the event was accurately predicted by local TV meteorologists for several days before the storm. This path of travel that this horrific storm took was not any different than the path that previous floods or snowstorms have taken in history. There is no mechanism available to mankind that could have stopped the destruction to topography or property. The same device used by people who said, "We don't get hurricanes in the mountains," are now being used to say, "We just got hit by Hurricane Helene in the mountains." The disconnect is confounding. These same devices can be utilized to gain self-awareness of the threats and dangers of weather phenomena that the mountains of North Carolina actually do experience - tropical storms. For context, I am writing this from a sailboat in South Florida where we just experienced two major hurricanes - Helene and Milton. There is no callous here - only concern for unnecessary loss due to poor emergency management and lack of situational awareness. The distinction and language is of vital importance.

[@7779-c3m]

Roy Cooper and his Dem-o=craps F UP

[@0annonymous]

Something seems off though…. Of course you don’t get hurricanes in the mountains, we all know that! We all know that mountains are more likely to get snow than hurricanes, because you don’t get hurricanes in the mountains, not all the way up there, I don’t buy it

[@rareroots]

People that didn't have flood insurance will be denied but the elephant in the room this was a technologically created Monster by mad men.

[@Innerbeauty328_22]

kzbin.info/www/bejne/a4bFq5yMrtuApcU&si=UvOGeNbpvLUaeEFo. I saw this a few minutes ago, and it makes you wonder

[@GodsSparrowSpeaks]

@@rarerootsAgreed

[@sheraid]

Sharing to my mountain community group pages❤TY😊

[@cassityart7001]

So very soon, legal and legalize will be replaced by what is The Restored Lawful Actual. Consider the depth of who we are, where we are and when. The system we all were managed in is dissolving now.

[@morgan1719]

we little people have no legal rights. The law if flexible to protect the rich and restrain the rest of us. it's always been that way. let us not fool ourselves.

[@mnp870]

Fight, fight, fight fur tie rights do what you need to do to get legal help.

[@rosesmith6208]

this just proves human governments are a failure at acting with true justice and love for their citizens and all of that, hence why I never get involved in politics or trying to deal with social issues that become politicized, hence why I do not look to government to solve the big problems we have I look to Gods kingdom (government). governments are looking out for there ship (the country or empire) first if anything threatens that they will put all the money efforts into that first. hence citizens come second or third. hence why they never have enough money for the retirees, working class citizens and money for disaster to help citizens to get back on their feet without getting into debt. but have money for bailing otu their banks, other countries they need to support the empire. I have comfort when I know how God will destroy all human governments daniel 2:44 and replace with his Government where laws and motives is based on true love and justice. psalms 37:10-11 dont look to government for saving you. they are not going to. not saying God doesnt control what they do if it interferes with his purpose and prevent them from stopping the preaching and teaching work about his kingdom before the end comes matthew 24:14

[@emilottis3119]

​@@rosesmith6208> so my question Rose is > Why hasn't Your GOD done this YET ?!?! .. I mean, Y'all been saying this, about God's "KINGDOM COMING" for like ALL OF MANKIND!! .. 🫨😲😎😵😵‍💫🥴🤔

[@emilottis3119]

​@@rosesmith6208> I've come to term this as FAIRYTALE thinking. ..Ya know ?? 😵‍💫😵‍💫🥴🫨🤯

[@rosesmith6208]

@@emilottis3119 he has been doing things to bring his kingdom for over a hundred you all just are not paying attention. the bible was not available to most people until about the 1800s only the rich could afford copies as they were handwritten. this is just the start. but it is now available ot 90 percent of the globe in over a 1000 languages. despite attempts by the churches, the chruches no less who tried to u se the governmnent to stop it being printed in english, tyndal did this in teh 1800s and he was murdered for it. this is just the beginning. you can read this stuff fo ryourself, in the bible who is tyndel? look it up just google it.

[@chilloften]

I hadn’t known it’s illegal for lawyer to approach you. I woke up in hospital with one at my bedside after work injury in Ohio. I was so young. I got took.

[@SkyCharter]

How so?

[@flamingo2166]

Awesome of the help you give. I’m subbed. I shared the video on X. And now I will share the channel amongst my friends. 💯💕

[@GuitarNewby]

What about all the property boundaries that are no longer valid due to a river carving their land away?

[@JF-fx2qv]

We have the technology. The land / property boundaries haven’t been swallowed into some kind of “Black Hole” in space. Satellite imagery and known fixed surveyed points not affected by the storm can be used to determine land / property boundaries regardless of what the piece of property has become.

[@stevensims3342]

@@JF-fx2qv ☝👆

[@arresthillary9502]

@@JF-fx2qv it will extend to the center of the (current)water flow, as always

[@JF-fx2qv]

@@arresthillary9502 The word is: Return water flow to where is was prior to the storm. Ideally, it is wise not to build in geological location such a a gorge. Yet we do. Why? Ease of build and money, money, money. Also we (USA) do not have that much ideal land to build on as liberal illegal alien lovers would have you to believe. They think we have plenty of space for the world’s population?

[@ithacacomments4811]

​@@JF-fx2qv GPS locating. Albany area hit by Hurricane Irene back in 2011....GPS locating was a major thing.

[@shortmeister4321]

How sad to have anything else piled on top of these devastated people.

[@sweetandspicyandeverything5407]

Thank you for making this video

[@marshaclark1398]

God bless you for helping those who need help

[@aracelischirinos7222]

Thanks for posting this video!

[@YashYash-f3v]

hi

[@OldSoul279]

I know first hand that the people in Green Mountain are being pressured to accept a govt buy out.

[@grantaugustyniak6667]

If you can afford it ( which is I find is very reasonable ) put all original documents in a lock or safety box with your bank or credit union. My Mom & Dad only paid like $ 83 a year if I recall. It’s fire proof, water proof & secure . That way when a natural disaster occurs - you know you have it on hand when needed.

[@mrmotofy]

Unless the bank structure gets washed away too

[@ithacacomments4811]

​@@mrmotofy It has happened that individuals go to the bank to discover an empty safe deposit box. So...99% secure...maybe.

[@VernaCunningham-sz9uz]

In my state of Oklahoma, the rent on a Bank Safe Deposit Box, is on average $60 a month (pricey) AND, UNLESS one takes out extra insurance on THAT box, the contents of it are NOT insured!!!

[@sharondavis7654]

Thank you for this information.

[@teresamartin8344]

Thank you, ladies

[@justlittleoldme49]

Do you know what really hurts is we can spend trillions of dollars overseas but we can’t help our own, that is totally appalling to me.

[@sandralangford6744]

Such a terrible tragedy. One doesnt think about such things as property lines and now non existing homes that you arent able to build again because the mountain is gone. Its just heart breaking.

[@ncbluegrassevents1984]

So they lost their homes, their vehicles, their furniture, their lawn mowers, their appliances and still have a mortgage? So do they also lose their credit when they don’t make the mortgage payments?

[@aliannarodriguez1581]

Whether it was a bank, or your Cousin Joe, there was a large sum of money that the lender turned over to you to buy your house. The lender no longer has that money, and they are looking to the person who borrowed it to repay it. It sucks, because most people have most or all of their money tied up in their homes. If they lose the home they have nothing.

[@eyes2c..519]

Yes and its all planned youll own nothing n be happy about it

[@northerngunner2756]

What a mess. Couldn’t imagine having a mortgage on a house that had been washed away . If you continue to pay , you are basically buying over priced land and if you don’t pay , good luck borrowing money to rebuild. You’re essentially homeless either way. 🤦🏻‍♂️

[@vivalaleta]

A moral system would take care of their people after such a horrendous natural disaster.

[@arresthillary9502]

well we dont have a moral system because everyone's morals are different. thats why we have a legal system of laws

[@vivalaleta]

@@arresthillary9502 Everyone's morals are not different. Would you like it done to you? No? Then don't do it.

[@jcismyall]

Laws and a moral system are of no need when we see each individual as a brother or sister instead of a number. Understanding the human race is one big family obliterates treating people like numbers & makes every life precious.

[@TheSwissChalet]

Define “a moral system”. A moral system doesn’t haul water and chop wood. Real action needs to take place. Real life people in real places with real physical things is what takes care of people. What are you saying…force people to give money to them?…what “moral system” are you talking about? People ARE helping. Volunteers ARE there.

[@vivalaleta]

@@TheSwissChalet Look at Scandinavia. Look at their prison systems, their healthcare system, the high wages, the childcare, the instant reaction of the governments to national disasters.

[@JM-vh7oc]

Most lenders will let you do a "forbearance" which allows you to skip payments until you can figure things out and they tack it on to the mortgage on the back end. Worst thing is to not contact your lender right away before the next payment is due. If you let it go without contacting them, there will most certainly be a foreclosure. It sucks, but it is what happens. Unfortunately that is what insurance is for. I get it that most people do not have flood insurance though.

[@scriptorium-in-candelight]

There is a term called ---inducing panic-----The illegal practice of inducing owners to sell their homes (often at ... Also called Panic Selling or Panic Peddling. There was quite a story behind this meaning in real estate and I think this is a good example related to a catastrophe and property sales. Alot of people might have lost land actual ground on their property and a surveyor must go out with the county to decide if this property has to be rezoned. Some property is not residential any more, I have a question about the liability of the county in allowing those people to have residential property in such a dangerous area. I think there are some serious legal issues about what just happened and liability to the county for allowing unsafe conditions. This a longer story in the sense of some of those properties may have been unsafe for housing to begin with. That is really survey and zoning, something about the attorneys is very very strange to me. Those people were in those houses just as this video is finding a mentally sane attorney is a challenge at this point. Some thing doesnt make sense.....im just going to end this here.

[@fencepost5369]

Thank you Lady's God Bless ❤

[@Joce123]

The government requires that larges institutions like American Express are required to have important information stored in many different geographic areas.. We as Floridians are going to do the same thing... We have requested new originals birth certificate etc.. We are keeping a storage place at a bank in 3 different places that are not likely but possibly have natural disasters and fires. Montana, New Mexico, New Hampshire

[@halallen55]

What about property taxes on a house or land that is damaged or no longer exist?

[@heroesandzeros7802]

What would you do with a town that is selling permits that close public roads, keeping people from their property, and allows others to "Take" that private property for personal and public use? This permit allows the public to walk, stand, sit, put up canopies, display, drive, and park on private property, without permission, due process, advanced notice, or compensation. This is not in a hurricane zone. The town says that their permits do not allow this, but know that it will happen, and their police refuse to cite, arrest, or make them leave your property. Is this not a 14th Amendment violation?

[@pambennett8967]

Film it and sue the city and police dept

[@bomartin5204]

I’m a professional surveyor and I was thinking about exactly what you mention about the surveys. Anything newer should have State Plane coordinates and retracing those is easy. But I can’t imagine retracing the old surveys. It’s going to be interesting for sure.

[@TheRealEstateLawyer]

Exactly my point. Going to take some time.

[@riggins44ful]

Great topic, I really enjoyed the info

[@thelukeewan7602]

Thank you for this very useful/helpful video. Where i live, the threats are earthquakes and tsunamis

[@bigmamassoul8323]

This is something we should all think about, I wasn't affected by Helene, but we never know what could happen, what would I do if I lost everything in a matter of minutes, my home, car, job 🤔 and no documents to back anything up 🤔😢🙏

[@AdamHoffman-lt7eq]

Titles and deeds are colour of law. Claim your property and prosecute in a court of record trial by jury of your peers. Only way to beat the defacto "government" and BAR association.

[@Agent.99]

Wow thank you. Some things I hadn’t thought about

[@daveton9033]

Keep a copy of a google map of your property and the area , before any disaster happen might help in dispute with your property line!

[@eyes2c..519]

Regrid and other apps will show u using coordinates property lines so thts no big deal

[@HearturMind]

This happened 2011 in vermont with hurricane Irene. I wonder if their legal aid would be a good resource for dealing with the most prevalent and unusual scenarios.

[@crackerjack010101]

I saw a video of a homestead content creator with property in the area who resulted through change of waterway paths a loss of significant property, started with 25 acres but with boundary changes, they now have maybe 15. That’s a significant loss and change of property and the means to resolve that seem impossible.

[@nancywinters3283]

If your house is washed away do you get to keep the land? If it was paid for. But I guess if it wasn't paid for then you would have to just lose it all This sucks..

[@barbrice721]

You still have to pay to keep it. Hopefully flood insurance was on these houses. I pay 1400. A year for flood on top of my regular homeowners. And that's just for 60,000. It was around 750. Four years ago.

[@reginafisher9919]

​@@barbrice721if you're not listed in a flood zone then you probably didn't have flood insurance therefore you've just lost everything! You can only get flood insurance through FEMA. I asked my insurance company, and they said not to worry about it because I was not in a flood zone and neither were these people! They were very very high of elevation .

[@MacBailey]

Often estate attorneys keep a copy of wills and other document in their office files. So that would be my first call is to the lawyers office that prepared the documents. Your doctor, dentist or hospital may have copies of medical records for replacement prescriptions and medical power of atty docs.

[@paulnichols2]

This help is great!

[@mysticmeadow9116]

Although it's morbid something to think about is Death Certificates in regards to life insurance policies and wills, etc; If the bodies are never recovered how do you even begin to handle that?

[@kimbiles8496]

The mortgage companies have insurance for the value of the property. Does not cover anything in the home but the structure.

[@barbaravyse660]

That’s too protect their interests, not the homeowners.

[@JjandCj8049]

Our attorney has a duplicate of our documents. Our children have copies.

[@Jim-qc6gu]

The lending institutions do not care about your home being washed away or destroyed by the wind. All they want is the monthly payment as expected and agreed to. If you don’t pay the mortgage, everything is turned into the credit bureau being in default. I speak with experience concerning property being stolen, by a scam artist. I spoke with the bank concerning this, and their reply was, we sympathize with your position, but please make the monthly payment as expected.

[@bardnightingale]

How are people to pay if their jobs have been wiped off the planet? This is insane!

[@suzanneo1124]

Surely there is precedent set in hurricane prone areas (GA/FL/AL) that NC can draw on. There has to be some type of relief.

[@audreycolantuoni2414]

Foreclosure? Absolutely pathetic.

[@spokes28]

? I had a Will made by attorney in another state, and searching just now it appears that he is no longer there, no longer in business. Where would you think his records/documents would have gone?

[@llm5726]

You should have gotten the original documents from the attorney, or at least signed copy. Then you can make copies to keep in several places (we gave copies of all our documents to each of our adult children).

[@kennethharrison4847]

Property disputes are easily taken care of its call GPS. The old ways are loosing legality due to gps.

[@randalldemichel4818]

Florida does not penalize people for losing their home in a hurricane or tornado. You have the right of rebuilding or restoring. So what is the problem in NC?

[@TheRealEstateLawyer]

Nc isn’t Florida, that’s the problem

[@andorastorm1000]

I found some General Statutes in NC. They are G.S. 1-354 (2019) and G.S. 41-10 (2019) they both deal with changes to the boundaries due to natural disaster.

[@karenwoodward7291]

Thanks.

[@susanlong8978]

Good to know!

[@jejoko]

2:18 this is where NFT's can be very useful. Non Fungable digital assets. But at the same time, someone with enough power could delete everything you own, and you are with the click of a button

[@NotMuchHere]

Some of that was captured and mapped to cell towers and elevation .. some of those elevations are gone ...ps if your property is gone ... how can the bank take it?

[@Christine-nj3kl]

Mining companies... SHOULD BE LOOK AT.😊

[@barbaragrider9136]

In Tennessee, a Durable Power of Attorney isn't recorded.anywhere. My husband had Dementia and I got one, signed and witnessed and notarized. No had to use that original for everything. I supposed another one would have to be filled out, signed and notarized. That is s problem if one cannot get to a notary or signs their nsme.

[@charlesbusch8739]

What about HOA rules? Do you still have to pay fees, violation of specific rules?

[@handimanjay6642]

If state and local governments get federal aid money then there should be no property taxes for anyone that lost their home until it’s rebuilt or the property is sold.

[@DeboeahHauser]

Please help make sure they don’t get scammed out of their property

[@patrickmcintyre4478]

I thought I’d hear about property tax bills. What relief will home owners receive on a local level when tax bill comes? If your house and improvements are zero the tax to county and local government should reflect this.

[@leesorenson6119]

How do I establish building lines from property lines that washed away?

[@susiemitchell1198]

How does a lending institution foreclose and sell property that doesn't exist anymore?

[@cynthiawilliamson5905]

😊God bless U! Plez help whomever! ❤🎉

[@lindabyrd4481]

I heard that if the property is now in the river because the river has changed the property will now belong to the county or state

[@edwincolon7782]

Many places have updated the maps by GPS. Isn't this also a case of title insurance because they weren't updated to include mud and flood zones.

[@bonnieupton4114]

Bless you

[@charlesbusch8739]

Can you get refund of real estate taxes? What anout insurance?

[@NotMuchHere]

ps ...your bank probably has already attached the insurance payout/settlement

[@qualitytouchpainter]

Can I be a volunteer paralegal or volunteer a call center? If I can, can you give me the website. Thank you

[@johnschreiber1574]

force majeure: "An unavoidable catastrophe, especially one that prevents someone from fulfilling a legal obligation." What else could Helene be called. That being said, the banks prefer that term only apply to them. In fact, I would not be surprised if force majeure becomes an insurance company defense. What attorneys should do is break or suspend code laws that prevent victims from using the land, with non conforming structures, for perhaps 10 years. Suspension of payments and discharge of interest and late fees for at least 5 years would also be reasonable in my opinion.

[@catherineingalls7357]

What rights do renters have if there is no water and unknown when the water lines will be fixed

[@s.mic.3329]

I think many lost land because of the river path.

[@borutothehope107]

PLEASE ASSIST IRONLAND 😊

[@barbaravyse660]

If someone’s house was totally destroyed, what exactly is the bank going to foreclose on? Do they put a lien on the land?

[@sarahann530]

Yes

[@mrmotofy]

Liens are on the land which he house is part of it

[@eduardotirado839]

Yeap. Probably. They won’t lose…

[@kes9612]

Not necessarily, sometimes the land the house sits on is just a small fraction of the land owned. For instance and I live in western NC, my parents home loan was on the two acres that was bought with the house and mortgaged through the bank. Years later my dad managed to buy all the surrounding land, over 100acres and that was paid for free and clear and had nothing to do with the bank loan &home that sat on the original 2acres in the middle of it. Mountain people are smart and SOME land may go with the home but they own more than that and all the surrounding property, making it harder for them to lose it all to the bank if something happens to where they lose the home. My parents kept that land for years after their divorce and the 2acres and the home was foreclosed on by the bank during the financial crisis in late 2ks but they kept that land and made sure the taxes were paid on it come hell or high water, just in case because it was worth alot of money. eventually developers bought it and put in a bunch of double wides where once our small home with a 2\mile dirt road was surrounded by forests and it's own little fortress you wouldn't even know was there.

[@sarahann530]

@@kes9612 So your parents own nothing ! Which one of them cheated ?

[@Peculiar_Optics]

Uncontrollable circumstances are mitigating factors to cut through the red tape.

[@marshaclark1398]

How can we help sending money and supplies

[@zoebear1992]

There's got to be some kind of insurance for the banks so that they can recoup their money, but to try to continue to get money from people who no longer have a house or property is just very wrong on many levels, including their jobs their jobs are gone too and so they probably have credit cards and other bills that they have to pay and I just feel so horrible for them just horrible!

[@susanlong8978]

Land grab😮. Fishy so get real!! So Sad and BAD. I HOPE IM WRONG..