FORECLOSURE! my father was next of kin when my mother passed. that made him the owner of the house.?
My property is currently under foreclosure. My mother had no will, my father inherited the house 6-7 months ago. I am appointed temporary administrator by the courts. My father had an sickness which landed him in jail. He is currently still there awaiting his day in court. He hasn’t been convicted yet. The charges against him are serious. Maybe federal charges. I’m trying to make a loan modification to stop foreclosure. A bank rep. told me i need a quick claim deed. My question is will the house be involved when my father goes to court since he is the current owner? Also what are the procedures for quick claim deed? Thanks in advance.
It is a quit claim deed, not a quick claim deed. This would mean that your father has relinquished any and all claim and rights to the property to you. Any lawyer can create this for you. A quit claim dead only transfers whatever rights the grantor has to the property. I can sell you a quit claim deed to the Brooklyn Bridge, and it would be legal. You have purchased any rights that I had to the bridge (none), not the bridge itself.
One he signs the quit claim deed, he no longer has any ownership interest in the home and it should not be involved in his court cases
Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome. This practical, no-nonsense guide helps you size up your…
Don’t lose your ho me to foreclosure! Do a short sale! Robert Irwin, one of America’s most trusted real estate experts, provides the tools you need to avoid foreclosure—and protect your credit, your wealth, and your peace of mind. How to Use a Short Sale to Stop Home Foreclosure and Protect Your Finances removes the complications and stress often associated with shor…
Those who are on the verge of losing their home due to foreclosure have a silver lining in the form of a foreclosure loan. It is never too late to get out of the financial crisis of a foreclosure and there are banks and lending institutions that have special foreclosure loan programs to help such needy people.
The funds for a foreclosure loan are obtained from additional funds from certain companies that are keen to work with certain people. The companies pay off the old loan and offer a new loan whose monthly payments stretch for a longer duration with the result, the monthly installments are reduced, giving a breathing time for the borrower.
There are various plans that are suitable and affordable to different borrowers. Such foreclosure loans are available under certain conditions from the bank or lending institution. Some private lenders also offer foreclosure loans. Banks offer foreclosure loans and are eager to bring the borrower out of the crisis for another reason. If the borrower is not in a position to pay the debt and loses the home due to foreclosure, the banks would have a significant number of such homes that would become more than manageable for them. Hence, the banks would only be keen on clearing off foreclosure homes that come under their jurisdiction.
The banks also have references of many private lenders and would be ready to reveal them so that a workable foreclosure loan can be achieved. But before starting to apply for a foreclosure loan, it would be better to ascertain whether it is really important to stay in that home and seek a loan. If the borrower decides to cling on to the home and avoid foreclosure, then it is good to seek professional advice from the professional rendering assistance and think calmly to overcome the financial crisis.
The bank can be approached for a foreclosure loan who would offer the loan to offset the current debt- may be even other expenses can be met. But the bank would insert provisions in the loan agreement to ensure prompt payments in installments that is conducive to the borrower. The borrower may not get bargain loans, nevertheless, he can rest assured that he would get enough funds to set off the debts and also meet the immediate expenses.
Foreclosure loans can also be utilized when a person wants to buy a home under foreclosure and is in short of funds. Again, a foreclosure loan would help to buy the home and even if he spends certain amount on repair works and construction costs and if he sells at a good value, he can pay off all the loans and still walk away with excess amount in hand.
About the Author
Check it out http://my-foreclosures.info for an expert’s guidance and tips to deal with all foreclosure related matters.
Taxes on Short Sale, Loan Modification & Mortgage Foreclosure 1 Nov08 Expert Advice from CPA
As a result of the financial bailout going on now in North America, there are some great investment opportunities sold in the form of bad debt, for pennies on the dollar. Plus, there are ways to buy that debt with no money of your own. In this DVD/CD combo, Bill teaches how to identify these loans, where to find them, how to research the collectability of the loans, the bidding process and the col…
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HANGTOWN FORECLOSURE THE TRUE FACTS ARE YOU WILL NEVER GET A LOAN MODIFICATION AND THE BANKS WILL TAKE YOUR HOME BECAUSE THE SYSTEM AND LAWS ARE ON THEIR SIDE…NO ONE REALLY CARES! GET OUT!This reality homemade film exposes the TRUE STORYS and interviews of families who have been trying to get a loan modification only to find out that they are being set…
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Helpful Tips to Avoid Home Foreclosures and the Foreclosure Process
Foreclosures are occurring at an alarming rate and have been for quite some time. No one likes to talk about losing their home, but the fact is, more and more Americans are in fact, in foreclosure or have already lost their home.
Need some advice on avoiding foreclosure?
Here is some general information about foreclosures.
Several states have a record number of foreclosures, such as Arkansas, Arizona, Colorado, California, Florida, Illinois, Massachusetts, Maryland, Michigan, New York, New Jersey, Ohio, Texas, Utah, Virginia, and Wisconsin.
CNN Money reports that adjustable-rate mortgages, especially mortgages that are considered, sub-prime adjustable rate mortgages, continue to contribute to foreclosures.
According to the San Francisco Chronicle, Americans borrowed $2.2 trillion dollars through attractive adjustable rate mortgages between 2004 and 2006.
These adjustable rate mortgages were hard to pass up with low monthly payments.
Unfortunately, these ARMS (adjustable mortgages) cannot last forever. Experts explain that these adjustable rate mortgages need to reset themselves in order to make up for the difference through higher rates, which means a higher mortgage payment.
You don’t need to be an expert in real estate to figure out that when the banks significantly raise someone’s mortgage payment, you are going to see many foreclosures.
It’s also predicted that as these mortgage loans reset, 1.11 million homeowners will lose their homes. This prediction was reported following a study completed by First American CoreLogic, a firm that documents home mortgage risks.
If you fail to make a payment by the due date, the lender has every right to start the foreclosure proceedings. Many banks will allow you a “grace period,” so as not to start any foreclosure process.
After a certain period of time, the lender will send you a certified letter stating that your loan is in default. Included will be any penalties and any unpaid mortgage totals. It is important that you contact the lender to try and work out a plan to pay the bank back.
Banks are not in the business of owning homes; banks are in the business of lending money. Banks do not want the house back! Contact them and try to work out an agreement to pay them back the unpaid payments.
Your loan will likely be reinstated if you bring the mortgage back to good standing if you pay back any outstanding mortgage payments and fees.
If the lender has given you the allotted time to make the loan current, and you cannot make the payments, the loan will still be considered in default and there will be a scheduled auction.
Following the auction, if there is any money still owed to the lender, the homeowner may be required to pay those debts owed. If there is money left over from the auction, that amount of money will go to the foreclosed homeowner, if all of the fees have been paid to the lender.
With any court foreclosures, the sheriff carries out the sale, which is about 45 days after the county clerk orders the sale. The auction is open to the public which means anyone who has the available funds, may bid on the foreclosed property.
Generally, the accepted bid must be paid to the sheriff no later than 5:00 P.M. on the day of or the day after the auction.
A certificate is issued following the foreclosure sale. If the property is not abandoned at the time of the sale up to the next six months, this is known as the redemption period. Some states will allow the borrower to redeem the property. Any secondary lender may redeem the property within a certain amount of time. In order to redeem the property, the total amount owed including any fees, must be paid.
If there isn’t anyone who redeems the property, the sheriff will then transfer the ownership to the winning bidder at the time of the foreclosure auction.
With Out of Court Trustee Sales, notice of the sale is noted which includes the property description, date, time, place, etc. The auction notice is then recorded with the county.
The trustee mails the notice to all interested parties. This notice is sent out three months before the sale date and will be published in the local newspaper.
No less than 20 days before the sale, the foreclosure auction notice is posted on the property and the county courthouse.
The day before the sale is scheduled to take place and leading up to the sale, the trustee must provide the opening bid of the sale to anyone who inquires about the sale. If not, the sale might have to be delayed for a short period of time.
Out of Court foreclosure sales require every bidder to provide a refundable $10,000 deposit in order to bid. The trustee keeps the deposit of the individual with the winning bid.
The winning bidder has until 5:00 P.M. by the next day to pay his/her bid price.
Following the sale, the trustee then transfers ownership of the foreclosed property within seven days. The proceeds of the sale are paid directly to the primary lender, then to any secondary lenders that exist.
There is no right of redemption following Out of Court foreclosure sales.
Bank foreclosures have occurred in record numbers. If you are an investor, your’e likely to find foreclosures all around the U.S.
Will foreclosures decline in numbers? Only time will tell.
The information provided here within, is not considered professional legal advice. It is always recommended that you seek professional legal advice such as a local real estate attorney.
About the Author
Cecilia Valenzuela is a full time entrepreneur and supporter of small businesses. Cecilia Valenzuela works with entrepreneurs who are also following their online dreams. Cecilia Valenzuela is a successful business entrepreneur who encourages other online business owners. More information about foreclosures including additional tips to avoid foreclosures, is available at:http://www.My-Arizona-Desert-Living.com/Arizona-Foreclosures.html
There are a number of different events and situations that lead homeowners to the brink of foreclosure, including an unexpected job loss, or even a severe medical emergency. However, a number of other actions, even simply choosing the wrong type of loan when you purchase your home can also send you into similar dire financial territory.If you should happen to take on a riskier loan, even if you do…
If you are someone who is dodging the foreclosure bullet and have no idea what you are doing, then you need to get some tools. No army in the world sends troops off to do battle without the proper weapons. In your case the weapon of choice is knowledge! How much do you know about the foreclosure process? Did you know that the old phrase about auctioning the property on the town hall steps is …
Chances are that you, like other people, are aware of the problems in the real estate market. Foreclosures are at a record high. You may even have been suffering from foreclosure fever a little yourself. Perhaps you have a loan with an adjustable rate that has gone up sky high? If that’s the case, then you may be struggling to make your mortgage payments and wondering if you will soon be joining t…
Many homeowners facing foreclosure don’t have to lose their homes. In fact, there are proven tactics for keeping your home—no matter the size of your debt and even if your mortgage is already in default. More than half of homeowners facing …
Designed to aid homeowners by explaining the foreclosure process and providing practical strategies to avoid foreclosure proceedings, including information on negotiating with lenders, refinancing, and utilizing the courts.
A comprehensive guide to acquiring and managing rental properties counsels would-be landlords on how to turn rental homes into a profitable business while avoiding a range of common challenges from unreliable tenants and foreclosures to shady mortgages…
Sould i be voting for these type experience come Nov?
Experience that delver recession on America?
Experience that sent Americans to die in stupid Iraq war?
Experience that made us pay high gas price while Bush family’s oil business made record profits?
Experience that delivered mortgage foreclosures?
Experience that made my country borrow from China to fight Iraq war?
Experience that made McCain voted for useless Iraq war?
Experience that made McCain voted for BUSH’s policies over95% of the times?
Experience that allows McCain not to remember how many houses he owns?
Experience that has delivered $10 trillion debt on America?
Experience that supported lobbyists to ship American jobs overseas?
Experience that never qualified McCain to be vice president, secretary of states, or even defense secretary over these his 26 yrs in Washington?
Experience that Republicans rejected in McCain in 2000?
What experience are we talking about?
It seems to me as if you’ve already made up your mind.
I will not be voting for McCain either, he likes to flaunt the fact that he’s a war-hero and he questions Obama’s patriotism. Seriously if I came up to someone and asked “Hey you may live here but I bet you don’t really love this country, despite the fact that you’re trying to make it better through political service do you?” wouldn’t I look like a jerk? You bet I would, if McCain wanted to prove his patriotism then I say spend less money on war, nuclear power/waste, and off-shore drilling and more money on alternative fuel sources and stimulating the economy.
At the Demncratic convention, many of the speakers even compliemented McCain on his service to our country, through both politics and war, but I doubt we’ll be hearing similar things at the Rublican Convention about Obama.
Reality Check:With a phone and a laptop, one South Carolina man is able to make real estate deals around the country, buying up the growing number of foreclosed properties on the cheap and making a bundle. Missile Defense in Alaska:ABC News got an exclusive first look at the missiles and soldiers who work and live at one of the nation’s most remote military outposts, Fort Greely. Rosie ODonnell An…
23 Legal Defenses to Foreclosure breaks down 23 powerful foreclosure defenses into easy-to-understand chapters. Each chapter is packed with useful information that you can use directly in court in any state. The book includes: legal letters, forms, motions, an “Answer” to the lawsuit, and sample discovery to get damaging information directly from the bank. It includes recommended strategies for f…
Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tactics you’ll need to take command of your situation and achieve the best possible outcome. This practical, no-nonsense guide helps you size up your…
Facing foreclosure? You need to do three things: stop worrying about why this has happened to you; resolve to fight the foreclosure and save your home; and read Foreclosure Self-Defense For Dummies. It delivers the knowledge, strategies, and tac…
>Can the government stop the decline in home prices?
>Can they avoid more loan defaults?
>Can they engineer a soft landing for the mortgage loan industry?
>Is the crisis already over?
>Where are we in the process?
>Can the government actually manage the situation?
Ben Bernanke, Chairman of the Federal Reserve, recently “endorsed the need for government intervention, saying that letting markets take their own course could destabilize communities, reduce the property values of nearby homes and lower municipal tax revenues.” He is asking lenders to consider “cutting the principal of some customers’ loans to prevent foreclosure, noting, “When the source of the problem is a decline of the value of the home well below the mortgage’s principal balance, the best solution may be a write-down, perhaps combined with a government-orchestrated refinancing.” (“Bernanke pushes government help to curb foreclosures,” Los Angeles Times, May 6, 2008).
Bernanke also recommended legislation permitting the FHA to “increase its scale,” along with Rep. Barney Frank (D-MA) and Sen. Chris Dodd (D-CN), who are calling “for up to $300 billion in loan guarantees from the Federal Housing Administration to refinance loans that homeowners can’t afford as long as the original lender reduces the principal on the loan to 85% of the home’s current market value.” (“Many problems with mortgage bailouts,” CNNMoney.com, April 22, 2008).
This plan to induce lenders to write-off a portion of loans that “homeowners can’t afford,” is a very bad idea. In exchange for taking an immediate 15% write-down, the federal government will provide replacement financing, thus effectively transferring the remaining risk of loss to the taxpayers. It would favor borrowers who foolishly took larger loans than they could afford or on terms they could not handle and lenders who knowingly made high risk loans to unqualified applicants. If property values continue to drop, it would simply result in another round of defaults and losses. To his credit, President Bush has threatened to veto this legislation if Congress should pass it.
Who would we really be bailing out, anyway, lenders or borrowers? And, where would the $300 billion come from? Certainly not government reserves, because there are none, which leaves more borrowing as the source of funding.
Warren Buffett, of Berkshire Hathaway fame, currently ranked by Forbes magazine as the richest man in the world, recently told Bloomberg.com, “The worst of the crisis in Wall Street is over.” However, “in terms of people with individual mortgages, there’s a lot of pain left to come.” Mr. Buffett’s conclusion was echoed by Alan Greenspan, former Federal Reserve Chairman, who is reported to have also said that the worst of the credit crisis is over.
According to Cyril Moulle-Berteaux, writing in the Wall Street Journal (May 6, 2008), it is very likely that the housing crisis is already over, pointing out that the current “bust is nearly three years old.” He further notes, “New home sales are down a staggering 63% from peak levels of 1.4 million. Housing starts have fallen more than 50% and, adjusted for population growth, are back to the trough levels of 1982.”
We should not be influenced by media sob stories about people losing their homes and avoid any attempts to have the government further interfere in the market. Real estate cycles have occurred many times before, and we should simply let this one finish playing out, especially since it looks as though it may have already bottomed.
NOTE: Read more of Harris Sherline’s commentaries on his blog at “opinionfest.com.
About the Author
Harris Sherline is a retired Certified Public Accountant and executive. His diverse business background includes experience as a partner in a public accounting firm, as a principal in a number of business ventures and as CEO of a hospital. His conservative commentaries appear weekly in two Santa Barbara newspapers. In addition, his op-ed articles currently appear regularly on three widely read web sites and his own weblog,
Opinionfest.com.
In the state of california is it legal to knowingly rent a in foreclosure?
We just moved in our rental house and we paid a deposit and first months rent; recently a letter was posted on the door saying the home is in foreclosure; i spoke with the landlord about it and she said no the house was not in foreclosure; and then she called back to say the house is in foreclosure; i need to know what are right our as tenants i mean is this legal; do we still owe rent; is this considered rent skimming;and should i get a lawyer. please help me
Unfortunately, you still owe the rent. You will have to sue to get deposits back if the owner does not volunteer then.
Once the lender owns the house, you have no rights as tenants. Someome will serve you an eviction notice and you will be out.
Sadly, it is legal. The current owner may redeem the property (make the payments current) and it may work out, but this is rare.
Pt 2 of 2: Foreclosure Defense – What You Need To Know
The Real Estate Market Sucks, Now What? is so crucial to the current economic Real Estate crisis that the consumer must understand that help does exist. If you want to know how to save your home from foreclosure, how to invest in today`s mark…
my husband had foreclosure on his condo and we got married and now we are trying to get this apartment?
will that foreclosure stop us for getting that apartment?
It all depends on the criteria of the apartment management. Surely your husband’s foreclosure will appear on his credit file, since it is a matter of public record. Whether or not it stands in the way of you getting an apartment is the choice of the management.
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There are hundreds of books that show investors how to purchase foreclosure properties, but this is the only book that helps people who are in foreclosure. This is the only book that helps homeowners understand the foreclosure process, and explains practical strategies they can utilize to save their homes. This book is required reading for anyone confronting foreclosureForeclosure is not the end o…
Across the country, foreclosures are at an all time high, but especially so in California, where people facing foreclosure actually have several options. STOP FORECLOSURE NOW (California edition) provides step-by-step instructions to help Californians avoid foreclosure proceedings and protect their credit. Includes all necessary forms and instructions….
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Hi, I would like to know about Foreclosure Prevention Act of 2008 ?
I heard about Foreclosure Prevention Act of 2008. What this approved? When will the people receive that money? Who’s Eligible?
We bought a house (foreclosure) on nov/08 and I want to know about this.
Thanks
Fight Foreclosure! offers a practical, step-by-step system for taking action to prevent foreclosure on your home before it?s too late. If you?re having trouble keeping up with your payments, the worst thing you can do is nothing. This book explores all your options, weighs the pros and cons of each, and explains the pre-foreclosure process in detail. Plus, it points out the too-good-to-be-true cre…
According to the FBI, real estate fraud is one of the fastest growing white-collar crimes in the United States. From 2003 to 2004, reports of mortgage fraud jumped 146% and jumped another 28% from 2004 to 2005.With seven out of ten Americans owning their own homes, a huge number of people are potentially susceptible to this burgeoning crime epidemic. In Protect Yourself from Real Estate and Mortga…
This book will help you understand facts no one will come out-right and tell you about foreclosure prevention. It is broken down in layman’s terms. After reading this book, You will know without a doubt if there are any programs out there to save your home from Foreclosure. All in 15 minutes or less. No straight answers?Are you losing hope?This book tells you streight-up what the banks or anyone…
Fight Foreclosure! offers a practical, step-by-step system for taking action to prevent foreclosure on your home before it?s too late. If you?re having trouble keeping up with your payments, the worst thing you can do is nothing. This book explo…
A retired bounty hunter races to prevent his ranch from falling into foreclosure by turning in a murderous bandit for a hearty reward in this gritty independent western.
Financial-Stability.com Free Homeowner Bailout Information
Making Home Affordable Modification Program
This program will offer assistance to as many as 7 to 9 million homeowners making a good-faith effort to make their mortgage payments, while attempting to prevent the destructive impact of the housing crisis on families and communities. The program allocates $75 billion to reducing mortgage payments for up to 4 Million homeowners. The program offers lenders a universal, clear and consistent guideline for loan modifications. To provide incentive to the lending community to follow these guidelines the U.S. government is paying the lenders: upfront incentive fees, performance success payments in addition to contributing funds towards the reduction of the borrower’s monthly payments. The program also provides borrowers up to $1,000 per year of Pay-for-Performance reduction in their principal loan balance for up to 5 years.
See if you are among the 7 to 9 million homeowners who can benefit from the Financial Stability Program Guidelines. Visit www.Financial-Stability.com for more information.
Today, our nation faces a severe financial crisis. It is a crisis of confidence, of capital, of credit and of consumer and business demand. Rather than providing the credit that allows new ideas to flourish into new jobs, or families to afford homes and autos, we have seen banks and other sources of credit freeze up – contributing to and potentially accelerating what already threatens to be a serious recession. Our Financial Stability Plan will help ensure that businesses with good ideas have the credit to grow and expand, and working families can get the affordable loans they need to meet their economic needs and power an economic recovery.
To address the financial crisis, the Financial Stability plan is designed to attack our credit crisis on all fronts with our full arsenal of financial tools and the resources commensurate to the depth of the problem. To be successful, we must address the uncertainty, troubled assets and capital constraints of our financial institutions as well as the frozen secondary markets that have been the source of a significant portion of our lending for everything from small business loans to auto loans.
“We have put in place a series of financial initiatives, alongside the Recovery and Reinvestment Program, to help lay the financial foundation for economic recovery. We launched a broad program to stabilize the housing market by encouraging lower mortgage rates and making it easier for millions to refinance and avoid foreclosure. We established a new capital program to provide banks with a safeguard against a deeper recession. By providing confidence that banks will have a sufficient level of capital even if the outlook is worse than expected, more credit will be available to the economy at lower interest rates today — making it less likely that the more negative economy they fear will take place.” – Secretary Geithner, Wall Street Journal Op-Ed, 03/23/09
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This digital document is an article from Black Enterprise, published by Earl G. Graves Publishing Co., Inc. on June 1, 2010. The length of the article is 498 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: Bank of America offers ba…
This digital document is an article from The Register-Guard (Eugene, OR), published by The Register Guard on September 24, 2008. The length of the article is 830 words. The page length shown above is based on a typical 300-word page. The article is delivered in HTML format and is available immediately after purchase. You can view it with any web browser.Citation DetailsTitle: What kind of bailout?…
Government Plan To Stop Foreclosure – How Do I Actually Get One?
In view of the recent economic slump, many people have gotten themselves entangled in mortgage foreclosure problems as they struggle to cope with the adverse effects of the slumping economy and personal issues such as pay cuts, retrenchment as well as job termination. As more and more people seek for solutions to stop home foreclosure and save their home, many have turned to the government for help to combat this complication. And fortunately, the government has responded by introducing several incentives that have gone a long way in securing the lives of many in today’s unpredictable world.
Both the central and state governments have initiated several programs to aid homeowner that are struggling with foreclosure complications to catch up on their payments, or even refinance their homes with better terms and conditions. If you are one of those that need government help to stop foreclosure, it is best that you do your homework of what is required before you actually apply for any of these initiatives. For instance, you could apply for the initiative of the Mortgage Modification Plan from the President’s office, by either visiting their site, or meeting an approved housing counsellor at the local Housing and Urban Development (HUD) office to discuss your options and file in your application to refinance your home. The services of these counsellors are offered free of charge, thus you do not have to worry about consultation fees when you engage in the services of these counsellors.
Apart from the Mortgage Modification Plan, you could also obtain other important information about foreclosure-salvaging plans such as Project Lifeline from the local HUD office. This plan is an excellent way to ward off foreclosure temporarily until you restore you financial condition and bring it back to a better state. You could directly visit the HUD offices, or look for information on this plan of HUD’s official website.
The Federal Housing Administration (FHA)’s initiative to protect homeowners from foreclosure is called FHA Secure Initiative, and is a brilliant way to provide homeowners with all the relevant information on how foreclosure works and ways to ward off this problem from the root. It could also help protect you and your home from creditors that charge exorbitant interest rates and unreasonable terms when they finance the purchase of your home. Find information on this excellent initiative on FHA website, or visit the FHA office closest to your home for assistance.
Apart from the federal government, the state government has its own programs as well to help fight off foreclosure complications. Through separate departments such as the State Division of Housing (Colorado), the Department of Financial Institution (Washington) and several others, many incentive have been given to needy homeowners in each state, thus it is best that you visit their websites and collect as much information as possible from the sites before you apply for any of these incentives!
As long as you know where to look, help is available for those who need it!
Hello,Robert Here; Thank you for checking out my website! I have created this site to give you help stop foreclosure information. If you are like I was this can be a stressful situation. My best advise to you is do not ignore the problem like I did.
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