POST THREE OF NINE:
“I didn’t lose the house. I sold it to Harvey Vechery through the bankruptcy by foregoing by claiming any rights to it. I gave up my $900 thousand dollar exemption and $2 million dollars in equity that he was able to cash back for himself. This made him halfway to whole. So, what is it you think I did to lose my house? I didn’t lose the house; I sacrificed the house because I didn’t want the house anymore. I had a smooth transition and we agreed on that’s what it was.”
Halpern did not “sell the house to Harvey Vechery through the bankruptcy.” Here are the facts: Halpern wasn’t making the payments on the house and had a 72-hour foreclosure notice tacked to his door. He panicked and filed for bankruptcy without hiring an attorney. Google was in first position on the house and even though Harvey Vechery loaned the downpayment money to Halpern, he was in third position behind Google due to the judgment and lien. The mortgage company had over $600k+ in penalties and fees due to defaults by Halpern which kicked in when payments were not made. Harvey Vechery paid the mortgage and all penalties and fees in full and leap-frogged over Google to take first position on the house. Vechery had to pay the HOA fees and property taxes, which Halpern had never paid, as well as repair, maintenance, and upkeep until the property was sold.
By doing that, Vechery prevented potential charges being filed against Halpern for fraud. which apparently were included in the original application documents. The bankruptcy judge ordered Halpern evicted from the house. As to the “$900k exemption and $2 million dollars in equity,” that’s not how it works. The equity was never Halpern’s as he didn’t make the payments. The full downpayment was from Harvey and was not paid back. Halpern did not make the payments. Harvey paid off the balance due on the house. Harvey then paid the additional balance due to the lender for the penalties. The lender owned the house until Harvey paid it off. Then Harvey owned it. Halpern never owned the house so there are no exemptions and there was no equity.
The sale made Vechery “halfway to whole?” Maybe in Pleiadean math, but not in our reality. By the time all fees were paid and Vechery totaled up the amount paid out, he was underwater when he sold it. That’s before considering the fact that the equity in the house was no longer Halpern’s to surrender. When a man loans Halpern the downpayment money to buy the house, lines up the lender to loan the money for the house, then pays off the mortgage in the bankruptcy court, then pays off the fees due to the lender for the foreclosure process and to forgo filing charges, then pays off all the unpaid back taxes and HOA fees, there is no logical claim to any equity in the house by Halpern.
If Harvey Vechery hadn’t stepped up to pay everything, Halpern would never have had the house to begin with, and he would have lost the house without Vechery’s help anyway.
Halpern states that he “sacrificed the house” that “I didn’t want anymore.” Is this the same house that Halpern begged Harvey Vechery to let him stay in. The house that Halpern openly bragged to everyone about. The house that Halpern filed bankruptcy to protect from foreclosure. The house that everything in Halpern’s life centered around. That house? “Smooth transition?” The court evicted Halpern from the house as they saw that all money for the house came from Vechery. He needed to repair it to get back on the market. The court, on behalf of Vechery, forced Halpern out of the house against Halpern’s wishes. Isn’t this the same house where Harvey and Scott showed up to do a walk through, only to find Halpern sleeping on the floor after he had already been evicted? Some would consider that to be breaking and entering. It certainly doesn’t appear to have been a house Halpern “didn’t want anymore.” Once again, Harvey had to tell Halpern to leave the house that “he didn’t want anymore.”
