@@robertvazquez2964Wealth is NEVER equally shared, even in communism. Some of us worked while going to school so as to have no college debt. We bought small, run down houses. We worked second jobs. We didn't buy stupid stuff like expensive cars, phones, clothes.
No kidding. It’s awful. One minor changing one person’s life they can end up homeless I think it’s just horrible. What the government is doing. The lack of empathy is unbelievable.
No, what is disgusting is people who make poor choices and live above their means. I can say that being frugal and sacrificing isn’t much fun but at least I will never be in their position. Maybe, more people should suffer when they are younger so that we don’t have to listen to the bleeding hearts of liberals. As far as my money before you go saying I’m a problem, when I pass on all of my money is going to a charity like Tunnel of Towers who helps families of severely injured police and military veterans who are struggling at no fault of their own!
@@ryonlabaw1498Kindness doesn’t erase personal responsibility. These are older people who have had decades to prepare for old age but apparently didn’t. Should the RV dealer give them a free RV?
That's me. I live in a semi truck, though. I can afford a mailbox. Only way to afford to go back to the doctor and to ever hope to pay back the bills Im acrueing.
@@zeroshepard9513 I don't know your state or situation but you can contact the places you owe medical bills to and ask them to lower them. Many times they actually will. Maybe you could declare medical bankruptcy. I would contact your state rep and senator and ask for help. Neglecting your health will get you in worse trouble. Are you eligible for any sort of assistance? The state I live in has a health care program for low income people. Please try something. I wish you well.
@@frankmacleod2565 heck no, that's why I want to give back ALL the BOOTSTRAPS they gave the rest of us as the cost of living skyrocketed that they didn't care about.... until now. 🤣😂😂😂🤣 When we said University was too high, they Said BOOTSTRAPS!! When they vote GOP tax cuts for the ultra rich BUT deny Biden tuition forgiveness THEY STILL SAID BOOTSTRAPS . This is me giving back!!!!! 😂🤣😂🤣
Under the current law an RV is a Vehicle, not a home. The judges are somewhat correct in that he can’t rewrite the law. But they could’ve said that is their home and made some accommodation for them.
@@poollife777 But isnt that the point , 2 have a good time with ur life b 4 u die - n not give ur money 2 the government , who getz 33 % of ur check b 4 u even c it- when u make 5 buckz 2 much n they take away ur food stampz - when ur family member iz shot n the chest but they charge u almost 10000 buckz juz 4 an ambulance ride 2 the hospital - then charge u 4 being n their hospital - what about ur edison bill they raise ratez during the summer knowing itz either pay or die from heat exhaustion n stead of saying u no what maybe i could b a decent human being n say during the summer letz give them a break , they can barely afford 2 live n america az it iz - i have yet 2 c edison send out a bill that sayz during the heat ur ac bill iz free cause we r not a fuked up person 2 prey upon ur financez that u barley get. Why wouldnt u want the opportunity 2 go c the world that God gave uz ? I dont think u were meant 2 live by some 1z elsez rulez , u r a free person Jesus made made sure of that by dying 4 u - dont let the government determine what u can n cant do , im not saying break the law but u can stand against tyranny . I dont need a degree 2 no that taking some 1z only bit of shelter iz wrong - i pray that u never have 2 have ur thingz that u worked so hard 4 b taken away from u juz b cause they cant profit from u -
@@only1muppet But the law exempts "mobile homes", and if _anything_ qualifies under that definition, it's a vehicle with wheels and living quarters -- the very definition of a mobile home!
The couple caused all of this not the courts. They thought they would be slick and file bankruptcy to get out of paying a relatively small hospital bill. I guarantee they spent far more than $10k a year traveling the country. They could have gotten on a long term payment plan for the bill and scaled back their traveling a bit. I know plenty of rv parks that are nice and only charge $250 a month plus electric.
An older woman that works at a grocery store lives in one and it’s an old one. She is literally one missed paycheck away from being homeless. And because it’s an older one it has problems that come up. Elderly people who have worked their entire lives and end up in a situation like this couple should be allowed to keep their home!
There are over a million that live in RV 's in America. I had to, I could not afford buying a home. I purchased a half acre. And cannot afford to have water, electricity, and an aerobics septic system installed. I started documents to get social security retirement. Found out they will not give me a check, until I pay off veterans medicine bills! Never did I ever thought this would turn out. And now a dialysis patient. I inherited from my grandfather! But I am a firm believer in prayer!
No matter what you say or how many people live in them it is classified as a motor vehicle. A motor vehicle has a motor a transmission headlights tail lights and turn signals and requires a driver's license to operate. A mobile home is not a motor vehicle because it does not have a motor. A mobile home is a home on wheels It does not require a driver's license to operate nor does it have an engine nor does it require annual inspection and it is insured differently because it is not a motor vehicle.
I am lucky I live in Oregon ( never thought I’d say that), when I had to file bankruptcy last August I was able to “claim” my RV as my home so it was protected. The bank was more than happy to let me keep paying each month, allowing me to re-affirm the loan. I’m a disabled senior that also spent weeks in the hospital with Covid in 2020, I’m still recovering, but thankfully my dog and I are not living my car.
@@trentbrownstone1481 Unfortunately, I think you're probably correct. My guess is that they knew it was a risk, but there was no other way for them to come up with any other scenario that would allow them to keep it, so they rolled the dice.
@@kevinmach730 It's too bad their family couldn't help them out especially when it was only over $8K! If they had family that could have loaned them the $8K to save their RV would have been a better option. I'm assuming they have MA plans which leave you on the hook for thousands when you need care! Sad that we are the only country that doesn't have true national health care and leaves its people bankrupt over medical bills!
Not right. It's called a " MOTOR ( HOME ) ". Which means you have a HOME with a motor or because it is mobile, meaning it can be moved it could also be considered a MOBILE HOME. The government doesn't give a flip about us. !!!! I'm sick and tired of the rules and regulations on how you're supposed to have this law and that law on what a home is. They want us on the streets.
It is classified as a motor vehicle because it has a motor It is not a mobile home Don't start crying about your feelings because it should be something when it's correctly classified as something else.
@@dps6198if you didn’t know, mobile homes don’t have deeds, they have titles. Just like your car or RV. So they’re not that much different under the law. The problem with the laws is they are not kept current with the times we’re dealing with. Twenty years ago someone living full time in an RV would be rare. But now it’s becoming more common. I know you most likely have seen a few RUclipsrs that choose to live in a van and drive cross country. That’s their home, despite what the law actually acknowledges currently.
A mobile home cannot be driven around. It does not have a "motor" and remains stationary on a plot of land and that land has an ADDRESS. A motor home (an RV is in this category) has a motor and is a mode of transportation ... even if someone lives in it. They should have just made payment arrangements on the $8,000 medical bill. I feel bad for them but the law can be very tricky!!! I had a unexpected illness/surgery and incurred $12,000 in medical bills just 1 month before going on Medicare. I thought about filing for bankruptcy but said Hell No because my house is almost paid off and a judge would possibly make me sell the house to pay the medical bill. So I had to deal with the bill ... and I surely didn't want to ... still dealing with it!!!
If it's squatters in that RV, it's considered a "home" for the squatters n "landlord" pay the bills. If the owner owned the RV fighting for it, then it's not a "mobile home"..remember u need to do something illegal to be protected at this age n time.
That’s a load of crap. Squatters don’t have any comparison to this issue. Laws don’t get changed until there is a demand for them to be replaced. An RV under the current law is a vehicle and nothing more. Because more and more people are being forced out of the housing market, living in an RV is becoming more common. The bad thing is if they do allow an RV to be classified as a home. Will that also mean even if you declare bankruptcy, are you still required to pay for it? Because some states allow you to declare cars under bankruptcy protection, which means you can keep the car and not pay for it.
@@TheChickenGuy666 😂😂I should have been clearer. The point I tried to make is anyone that tries to do things legally the law is 200% applied as restrictively as possible but if u are squatters, illegals, the law will bend backwards to be on ur side.
Legal education here/ several hundred court cases/ house and home can be defined entirely different/ one falls under law of attachment/ if a house is permanently affixed to ground/ a home maybe movable/ a house is not/ according to individual state law. Yes very confusing....THE LAWYERS WIN IN LONG 🏃♂️ RUN...THE GOVERNMENT HAS THE STRONG ARM...
😂😂😂LMAO this guy talks about humanity in Arizona???That's rich. I feel for this couple totally. I know one illness can leave you homeless. America really doesn't care if 99% of the citizens are homeless, just as long as the 1% are rolling in it. As a senior myself, who's been homeless my heart goes out to you both and your babies as well.😢 Too many reasons to bail on AZ.
I am very interested in your comment. Where did you find the information? After viewing this clip, I was shocked to learn their RV could not be considered a home by Arizona state law. I have spent time reaching van conversions and travel trailer remodels. Many people live in their vehicles because of limited, or no income, to support what Arizona considers a home. A post from Oregon said their state allowed him to claim his RV as his home. Thank you in advance for any statics and source information.
@@660Olivermost likely still owed money on the mortgage . Had relative’s like that. No matter how much money some people make ,they’re always broke. Then blame the government for not paying enough pension. Seen it all.
If they owned a nice home, they would have been allowed to keep it. A mobile home is usually worth less than a house! If it’s their primary residence, they should be allowed to keep it! It costs far less to travel in a motor home than it costs to pay a mortgage. Maybe you shouldn’t be so judgmental until you’ve been in that position.
@@candacerushing6882bull. They had a loan. They had an obligation to fulfill. Obviously they didn’t do that. If they had kept their house and lived a modest life they wouldn’t be living with their daughter. They tried living a life they clearly couldn’t afford.
Yeah but these people aren't doing a bankruptcy and trying to keep the RV that they don't even pay for. Yes they were able to travel around the country and have a good old time. Since they sold their home they should have paid cash and nobody would of taken the RV.
@@poollife777that’s where you’re wrong. They were going to keep paying it, but when you have rv worth $50k or what ever you try to use the bankruptcy exemption to keep and pay the rv, but because they couldn’t use the exemption that means every penny of equity becomes the property of the bankruptcy trustee. Using the exemption doesn’t mean they’re getting the rv for free
I’m a member of many RV forums and it scares the hell out of me how many people are selling their homes (an appreciating asset) to buy a depreciating asset. If you have to sell your home to buy an RV, then you are doing it wrong. I feel very bad for these people and I hope their story serves as a warning to others.
Finally a common sense response! Have you seen all the frame failures on rv’s that people bought for over $100,000 for their Covid escape. People in the last few years act like camping is “new” or they’ve invented it.
You are viewing this under the assumption that everyone sees things in the context of appreciating and depreciating assets. That isn't a factor in the decision to live in an RV.
I have a home and I live on Social Security,, that is not enough to pay for the taxes, the insurance, utility bills, water, and sewer, that along the maintenance upkeep that comes along with owning a home. Homes are expensive not just to purchase but to live in them. Not sure you know this, but many homes are depreciating now.
@@rmanbike My husband and I started saving for retirement in our early 30’s & had no debt in our late 30’s. There is no way to live on Social Security alone.
PEOPLE IN THIS COUNTRY HAS GONE INSANE. A PERSON SHOULD DECIDED WHERE THEY CALLED HOME. THAT'S WHERE THEY SLEEP,BAITH, EAT AND GATHER. LAWS ARE JUST A MAN MADE EXCUSE TO CONTROL OTHER. LIKE THIS CASE.
Clearly not the whole story , they eventually didn’t own the motorhome that was probably one of their biggest debts , and you don’t file bankruptcy over 8 grand ! Another feel sorry for me story.
I agree with you. Getting Covid should not make you homeless. Maybe they should have gotten jobs instead of traveling around the US for 2 years. Just sayin'.
If they have loan for the rv where the bank’s lien is on it the rv isn’t theirs and will lead to more replevin, repossession, and collection fees when the bank goes after it to get it back. Their mistake was living in a state where they could not claim the rv as a home like other states do. Also in addition exemptions and stays only work if people are making the loan payments. Default gives financial institutions the right to ask the courts to have stays removed and have foreclosure/repossession activities continue
@@TOMVUTHEPIMP it was parked in an RV park, never left the lot.....it was still my home. Fyi, mine was a 5th wheel not a motorhome so no, it wasn't a vehicle 🤷♀️
In Seattle when homeless people living in cars were towed from the streets they would be crushed but the court came out and said something to the effect, homeless people living in rv could get them back because they are their home.
In the past people didn't have an inside bathroom with running water - they had outhouses. And yet their home was considered a home. My grandma used a sink and a pump for water, and an outhouse.
@@roseother8306 personally since I was homeless for 8 years a car period is luxury but legal terms has to have running water (bathroom) and working stove go be a home also depends on state
They sold a house 2yrs ago and bought an RV (How much RV did they buy?!). Did they stop working too? Racked up lots of debt and got sick as well. Filed for Bankruptcy and didn't expect their primay asset wouldn't be seized? Something is missing here. They should've had savings or something BEFORE taking that leap. How were they going to pay off those debts? A lot of poor planning and decisions were made.
How in the world would they have anticipated having C word and having unlimited funds to cover that disaster??? They sold their home, which was most likely paid off and they got the cash to buy the R.V. and travel from that sale. Use your brain
So many are in this situation now...just a few paychecks away from losing it all. With a few medical bills, many could be in a similar situation. The US is the only first world country I'm aware of in which a person can lose almost everything due to medical issues EVEN when they have insurance.
@@kristinab1078 you’re right about people not having much, if any, savings but I think given the particular circumstances of this case this couple could have paid off this debt albeit at a very slow pace. As I have said in other comments on this post they could have negotiated the monthly payments with the hospital and agreed on a number that they could manage. I think people often misuse the bankruptcy system. We are talking about $10k not some 6 figure amount. They could have probably paid $100/month and they would still be in their rv today.
So they sold their real house during the height of the pandemic, likely for big bucks. Bought an RV and travelled all over the country. Lived high on the hog im sure because gas for an RV aint cheap. Instead of buying land to put the RV on, these two acted like college kids on a summer vacation.
Yep, that's what I'm betting. It's not a house. It's a recreational vehicle. You're not supposed to live out of those full-time. They're not built for it. Definitely the first thing the IRS comes for in a bankruptcy
@@mouse122809 If you file bankruptcy, you get a certain amount of value you can keep. that's why they kept their car. the RV they had was probably worth $500,000, way beyond the limit
@@cubey which is why they came for the RV? Cuz something ain't adding up. Doesn't make sense to file for bankruptcy over $8,000 on a medical bill that they could have gotten assistance on.
My husband and I lived full-time in our motorhome for five years (2018-2023) while traveling the United States, visiting the lower 48 states (we flew to Hawaii and Alaska). I say this to put my two cents in that one can definitely call a motorhome a home and live in it just as you would a house. I'm living proof!!!
So, don't declare bankruptcy. They would rather get 10 mpg in their RV and travel. Perhaps they were making payments on the RV. Either way, they would have known this before signing the bankruptcy paperwork. So tired of the medical bill excuse. Hospitals let you pay $100 a month or lower for outstanding bills. "It's not fair." Too bad.
The lack of civics education is at the heart of this issue. It is up to the legislature to write laws. The courts are not supposed to write laws. Roe vs Wade is a prime example of a court writing law and look how that turned out.
Yeah, I thought the same thing. Sounds like they were abusing the bankruptcy system just to avoid having to pay the bill. They likely spent way more than that traveling for just 1 year.
@@Nate_K111I doubt they have a pension, probably just SS and I would bet nowhere near the max benefit. I'm guessing they didn't save much in a 401K if any.
Wait. They couldn’t payoff the RV selling their house and were traveling the country deeply in debt? This house of cards was bound to fall. Getting sick didn’t make them lose their home. Poor long term planning did.
They wanted to keep the RV, but the credit card companies wanted it sold to pay their bills! It will be sold for pennies on the dollar in a foreclosure and they will lose any equity they had in it.
If the rv has a bathroom, kitchen, and bedroom which most do then it should be deemed a “home”. This is exactly why it’s illegal to live out of storage units. Because it don’t have a bathroom so it’s deemed inhabitable to the government
A rv is not a home period. I have an rv I have to get it inspected every 2 years and my insurance covers it as a trailer, definelty not a home. 😆 you can't even get a mortgage loan on a rv it's a personal loan 😆 17 percent apr.
How about the fact that the couple traveled all around the country and had a good old time but never saved a dime for their future. And either they make too much money or they have the wrong kind of insurance because this shouldn't have happened.
If that's where you live and you don't have an apartment or a house that is your home. The ruling against them is unfair, it's cruel and unusual punishment.
Filed bankruptcy for a fairly small amount of money. Where’d did the money go from the sale of their house? Did they buy some hundred thousand dollar unit or a modest “MOTOR” home?
The law needs to change to allow a motor home to be your home. They should get it back immediately! Do a fast track to Congress to change the laws so they don’t lose their home. ❤
Doesn't sound like you two planned this out too well. Only 8k in cc debt and you couldn't swing that? Everyone knows you just don't pay the hospital. Or pay them in payments. They have to let you. Idk. I feel sorry for them but I think they're more at fault than the court
It sucks, but thats the law, and it's not a home, it's a vehicle, not a residence, it's never going to be covered by the homestead act. So the message here is, if you are planning to do this, make sure the motor home is paid off in full, if you can't afford to do that, you can't afford to live that lifestyle.
@@BillyMartin68 Whether you like it or not, the reality is that many live in their RVs as their primary residence whether for pleasure, necessity, or both. Without that roof over their heads many would be homeless. Which would you prefer? This is a growing situation in the US, and especially impacts older individuals who are trying to make it on social security and/or a small savings. Rent is too high for many. Times are a changing and not for the better.
100%. If the attorney did not advise them, they have a bar complaint and could potentially get some money. If the attorney did advise them, they are leaving out a very important part of the story.
This kind of ruling is destroying the fabric of our country. SO many people NEED to live in their RV because the economy is so bad! This will unfortunately get worse
I think the California Taxpayers spent 20 Billion Dollars over the last 5 years to help the homeless. Their are 49 other states that spend Taxpayer Dollars helping the homeless Plus the Federal Program. I would not say that is "little " help.
So a "mobile home" -- a manufactured home that is placed semi-permanently on a lot and which after a few years basically is no longer "mobile" -- is okay, but a "motor home" -- which can be virtually indistinguishable from a "mobile home" but actually is truly "mobile" -- is not okay. The trustee should be ashamed for pursuing this, and the court should be ashamed of its wacky ruling.
A mobile home is not a motor home and a motor home is not a recreational vehicle. Is the Icon of the Seas which is a 248,336 ton, 1,198 foot long, 20 deck cruise ship with 2,805 staterooms that can accommodate 7,600 passengers a mobile home as long as the owner chooses to live in it so they can claim it as a homestead exemption after deciding to declare bankruptcy while keeping their most valuable property? Unless you can say with a straight face that "if Bill Gates gets so far in over his head he can buy the Icon of the Seas and move into it and say "this is my homestead" or "mobile home" you are ignorant. The Rule of Law requires uniformity and specificity and a vehicle must a vehicle and a home a home unless the law specifies when they may be re-classified as something else. This is why the law SPECIFICALLY says a condominium and a mobile home are a homestead. This is why the law says: 1. Interest in Real Property in one compact body, or 2. The person's interest in one condominium, or 3. A mobile home in which the person resides, or 4. A mobile home in which the person resides plus the land on which that mobile home is located The Court is correct in saying that if the Legislature wants a car, yacht, cruise ship, jet, recreational vehicle (RV) or any other vehicle to be included then they need to be added as #5, 6, 7, 8...1,000,....2,000.... If they are not then they are not real property in one compact body, on which exists a dwelling house, a condominium in which the person resides, a mobile home or the land on which that mobile home is located. They are vehicles!
@@forgetitfolks Mobile homes -- formerly called "trailers" -- are not attached to the land and usually the owner of the mobile home doesn't own the real property on which it sits. Legally they are deemed to be "chattel," not "real property." Mobile homes remain "mobile" in the sense they can be moved (at substantial expense) somewhere else. A Class A "motor home," which is usually categorized as a recreational vehicle, quite obviously -- but not necessarily -- is more mobile than a so-called mobile home. Neither are attached to the land, are not "real property in one compact body" (to use your phrase), and people can and do reside in both of them. There is no practical reason that a yacht, houseboat, etc., cannot be claimed under the homestead exemption; these exemptions vary from state to state. The problem is that our legislators are quite poor at drafting laws: often they fail to think things through. Case in point: recently I saw a local law that holds residences cannot have locks on interior doors, nor may they have interior walls!
If you cannot afford things, don’t buy them. If you don’t fulfill your obligation to pay, you should not be able to keep it. Bankruptcy is an embarrassment. It’s unfair that you can be excused from a debt YOU created.
I agree with you, it is awful enough we had to deal with a bankrupting world leader, I find it cringeworthy each time I hear of someone taking on debt, to foist it off later. But, in this case, this is medical debt. Very unusual for us in a modern society to accept that some are just too poor to live, some not worthy to live due to quirks of intelligence, luck, grace, opportunity, socialization, etc. (Anyone who isn't at least a secret ego-maniac, knows that even if provided the graces of intelligence, social aptitude and endurance, through luck of birth, can end in naught, without luck of chance meetings, support, schools, experiences, work opportunities... some get very lucky, some not so much.) Letting people just die because they were born in the wrong place, or didn't have luck, is pretty normal in the history of the world, and still very common in many areas, such as the slums of India. I know my kids would be dismayed, astonished and deeply saddened if I forewent treatment to prevent pain, further illness, or death, simply because the unknown medical cost might exceed my insurance and ability to cover with savings. Luckily, you appear to have excellent insurance, based on your total focus on the bankruptcy, but not the reason for it. Good your medical needs will never exceed your insurance pay out, to the point that you can't cover the cost of medical care, without wiping out needed savings/retirement. It's good you have savings, and can use any savings you have, to cover medical care, that you made so much, and saved so much, that you won't need to keep those savings to help you if you have an disabling injury, or as you age. $8k is a drop in the bucket of medical care, and medical care easily overwhelms many people's insurance coverage, if they have it. So many can't cover insurance, on top of all the other expenses. $8k indicates they didn't even have a battle with cancer, which usually would exceed $100k out of pocket, usually closer to a quarter million. Many people have had a single significant car accident, and even with insurance, have found their bills to be nearly $1M. $1M. To the lucky, that wouldn't be hard, but to most, it's overwhelming, toxic stress. If this couple was hoodwinked into getting an Medicare Advantage Plan, then their insurance coverage would run out very quickly..... you have to be a lucky person to not end up with medical debt with Advantage Plans, but many aren't able to slice and dice through the slick brochures, extras, and the up-front lower cost. Some simply can't afford anything but the lower cost of an Advantage Plan, instead of spending the extra for the safety of a bundle of Medicare options. I'm not sure how I feel about a person just dying, because a person wasn't as lucky as another. Or maybe, just not being able to walk. Feels weird. And, would I want someone I love to simply die because we who love them couldn't pool the money? Or to be in great pain? Seems wrong. Its why insurance came about...we are sharing risks and costs. And, I've known a couple individuals who survived, but with great debt, and kept it, and they questioned that impact that choice had on their family every day, wondered if they shouldn't have just died. Probably will die prematurely due to the stress effects. Painful to lose lovely engaging people. Perhaps you think people should die rather than take on medical debt they can't afford, and that is fine... most people simply won't admit that. And, in a nihilistic framework, it isn't a wrong philosophy/approach, it's just one choice of many of how to organize your approach, and then broader, how we want to live as humans massed together. So comes the question, is that the society we want to foster? Is that a distant dystopia we want to pluck from history to project into the future? Or was it dystopia.... dead in the refuse cluttered streets, collected in carts,. Certainly not attractive, positive, hygienic, fine smelling. Course, what I label dystopia might be ideal for you. ...Or maybe the ill should gather at stations, so the sick, dying and dead are orderly. Choices. Me? I personally will simply stop eating if I find I have a difficult or costly cancer as I start to age, rather than use my funds for medical interventions, instead of giving my kids a bit of seed money. A balance. Hopefully by the time I have to make a choice, my kids will be in a good place, and be ready to be without me as a journeyman. I assume you too will not allow your medical costs to exceed your ability to pay. Tough choice, when your brain is clear, you feel engaged, and you are engaging in life.... but that is when we must let go, to not incur medical cost that might exceed our ability to pay, otherwise, we may suffer brain changes that make it so we can no longer make that choice.
Did you not watch. They had unexpected medical bills due to illness Geez...that was their home. I suppose you voted for Trump who's filed Bankruptcy several times. Anyways, be kind.
if you are that age and owe more than you have, you have been doing something wrong. get a small apartment if nothing else. that's what a lot of people have.
It’s an RV, it’s not a home. I have TWO RV’s and a Home. Just because somebody sets up a tent on the city street or in a city park and lives in it for months doesn’t make it a home. It’s really that simple.
Likely. They bought an RV, enjoyed traveling all around the country, ran up credit card debt and had a fairly small hospital bill. Then the chickens came home to roost. Hope their vacation was worth it!
I am sorry that this has happened to you. It seems the world has become heartless. I am so happy that you survived Covid though. Makes me believe that God has a special purpose in mind for you.
@shanahiggins4413 Well they better get off their lazy hindquarters & get working on that purpose god has for them & also get some jobs because they messed up royally in life with poor decisions. Greedy people.j
Its true the migrants get cash welfare and free medical. You just dont lookuo the benefits i guess. They even get free college subsidy and loans. Look it up!@7531monkey
I applied for Medicaid for myself only. I am a legal resident and my spouse is a permanent alien (i.e., green card holder). We were both unemployed for a short time, so our income was $0. I applied for myself only, not my spouse. I received a letter from the state. It said because my spouse was a permanent alien, my entire household was disqualified from any assistance. However, if my spouse were an undocumented immigrant, then here are a variety of programs to help you - health insurance, food stamps, housing assistance, energy subsidies, etc. It listed these, gave me phone numbers and offices to call, etc. So yes, it is very, very true illegal immigrants can get government hand-outs. Legal immigrants, by contrast, cannot under any circumstances receive any government assistance. You are immediately setting yourself up for deportation if someone at the state-level approves funds. USCIS checks this. It’s a big deal. American policy here is stupid, wrong, and quite frankly racist. If you are a foreigner but live in geographic proximity to the USA and can walk there, you get stuff. If you are a foreigner from across the sea and need to properly enter the country, be prepared to pay thousands and thousands of dollars, receive zero assistance, and immediately pay high taxes if you are get a good job. Basically, if you’re a Latino welcome to the family; if you’re Asian shut the hell up and produce tax revenue for us.
They shouldn’t have filed for bankruptcy over $10k. They probably spent way more than that just to travel for 1 year. It wasn’t like they were stationery in an rv park year round. They were spending tons of $ on fuel and campgrounds. They could have easily gotten a payment plan for that $10k that would have been manageable and could have found an rv park for $250 a month. Sounds like they just wanted to get out of paying the hospital bill.
@@markbajek2541 it was near eufaula, Alabama. However, even if the lot rent was $450 somewhere they could still afford to pay $100 a month towards the debt. Hospitals are often willing to negotiate terms that are manageable for the debtor. You just have to be honest and show them how much you make, what types of other fixed costs you have and how much you can truly afford to pay. This couple abused the bankruptcy system to shirk their responsibility.
If they didn't have enough money for medical emergencies, then why sell your house, move into an RV and then travel. They should have stayed home and found a cheaper hobby. Bankruptcy impacts all of us. They made bad decisions.
Poverty and homelessness are the fastest growing classes in America.
We are the wealthiest nation. One out of 20 Americans are millionaires. Don't spend your money foolishly.
Not all are born with that silver spoon in their yaps
@@smokingjoe9864Who is we if the wealth isn’t equally shared? You mean you have the richest corporations not country!
Boomers like this, didn't care back when they could make a difference....
@@robertvazquez2964Wealth is NEVER equally shared, even in communism.
Some of us worked while going to school so as to have no college debt. We bought small, run down houses. We worked second jobs. We didn't buy stupid stuff like expensive cars, phones, clothes.
Hey,let's fight homelessness by creating more homelessness! That's just brilliant!
It's what BOOMERS did for decades
Really.
Even HOAs play a major role in homelessness.
No kidding. It’s awful. One minor changing one person’s life they can end up homeless I think it’s just horrible. What the government is doing. The lack of empathy is unbelievable.
@@brotherlittlefoot2216👍
So, the court would rather see them out on the street? Disgusting!
No, what is disgusting is people who make poor choices and live above their means. I can say that being frugal and sacrificing isn’t much fun but at least I will never be in their position. Maybe, more people should suffer when they are younger so that we don’t have to listen to the bleeding hearts of liberals. As far as my money before you go saying I’m a problem, when I pass on all of my money is going to a charity like Tunnel of Towers who helps families of severely injured police and military veterans who are struggling at no fault of their own!
Pay your bills kid, it’s really that simple.
@@_DB.COOPER F the banks, kindness is actually even more simple.
@@ryonlabaw1498 LOl, then give me all your money, keep your kindness!
@@ryonlabaw1498Kindness doesn’t erase personal responsibility. These are older people who have had decades to prepare for old age but apparently didn’t. Should the RV dealer give them a free RV?
Being sick should never make you homeless.
Universal healthcare maybe.
@@johnsradios484no
That's me. I live in a semi truck, though. I can afford a mailbox. Only way to afford to go back to the doctor and to ever hope to pay back the bills Im acrueing.
@@zeroshepard9513 I don't know your state or situation but you can contact the places you owe medical bills to and ask them to lower them. Many times they actually will. Maybe you could declare medical bankruptcy. I would contact your state rep and senator and ask for help. Neglecting your health will get you in worse trouble. Are you eligible for any sort of assistance? The state I live in has a health care program for low income people. Please try something. I wish you well.
One illness can wipe out everything you have worked in a lifetime. If anyway possible just stay away from the medical industry.
Squatters across the nation have more rights than ppl who live their lives doing what is right. This is a bogus ruling
So, better that people who declare bankruptcy get to keep their RV's?
@@LP-hs6yz yes. It's their home, and as described in this report and cited in law, it's a loophole not previously considered by the legislature
@@LP-hs6yz Only if it's their actual residence, not if it's just for recreation.
She didn't pay her bills.
@@glenngallegosif you can't pay your mortgage, just file bankruptcy and get the house for free?
This is merciless and cruel.
No, they were just dumb to file bankruptcy for a $10k hospital bill.
Just like the boomers planned for all of us.... These are the boomers that didn't think this would affect them someday
Bankruptcy means all your assets, they tried to pull a fast one
@chicobossman if they are living in it full time, it is their homestead.
@@GothamsFinestif you live in it full time, it is a homestead not an asset.
Arizona has the worst Supreme Court in the nation
And police. ✌
Right! They seem to be self serving, not really for the people
No, that state has the worst - and most backward - LAWS .
No, that state has the worst - and most backward - LAWS.
Laws are passed by legislators who the residents of the state voluntarily vote into office. What Arizona has is a lot of ignorant votors.
Shameful AZ. This is disgusting. Prayers to you both.
Boomer on bonnet crime right there. Why didn't they save their bootstraps? 🤷♂️
They need more than prayers.
You pray to homeless people?
@@frankmacleod2565 heck no, that's why I want to give back ALL the BOOTSTRAPS they gave the rest of us as the cost of living skyrocketed that they didn't care about.... until now. 🤣😂😂😂🤣 When we said University was too high, they Said BOOTSTRAPS!! When they vote GOP tax cuts for the ultra rich BUT deny Biden tuition forgiveness THEY STILL SAID BOOTSTRAPS .
This is me giving back!!!!! 😂🤣😂🤣
prime example of the courts not doing crap to make sure ppl don't end up on the street
Under the current law an RV is a Vehicle, not a home. The judges are somewhat correct in that he can’t rewrite the law. But they could’ve said that is their home and made some accommodation for them.
Then maybe they should have saved money instead of traveling all around the country and having a great time.
@@poollife777 But isnt that the point , 2 have a good time with ur life b 4 u die - n not give ur money 2 the government , who getz 33 % of ur check b 4 u even c it- when u make 5 buckz 2 much n they take away ur food stampz - when ur family member iz shot n the chest but they charge u almost 10000 buckz juz 4 an ambulance ride 2 the hospital - then charge u 4 being n their hospital - what about ur edison bill they raise ratez during the summer knowing itz either pay or die from heat exhaustion n stead of saying u no what maybe i could b a decent human being n say during the summer letz give them a break , they can barely afford 2 live n america az it iz - i have yet 2 c edison send out a bill that sayz during the heat ur ac bill iz free cause we r not a fuked up person 2 prey upon ur financez that u barley get. Why wouldnt u want the opportunity 2 go c the world that God gave uz ? I dont think u were meant 2 live by some 1z elsez rulez , u r a free person Jesus made made sure of that by dying 4 u - dont let the government determine what u can n cant do , im not saying break the law but u can stand against tyranny . I dont need a degree 2 no that taking some 1z only bit of shelter iz wrong - i pray that u never have 2 have ur thingz that u worked so hard 4 b taken away from u juz b cause they cant profit from u -
@@only1muppet But the law exempts "mobile homes", and if _anything_ qualifies under that definition, it's a vehicle with wheels and living quarters -- the very definition of a mobile home!
The couple caused all of this not the courts. They thought they would be slick and file bankruptcy to get out of paying a relatively small hospital bill. I guarantee they spent far more than $10k a year traveling the country. They could have gotten on a long term payment plan for the bill and scaled back their traveling a bit. I know plenty of rv parks that are nice and only charge $250 a month plus electric.
There is a LOT more people than that live in an RV as their only shelter. I have no idea where they got that small number.
Right. Here in NC we have whole RV sites that people live on with mailboxes and everything
An older woman that works at a grocery store lives in one and it’s an old one. She is literally one missed paycheck away from being homeless. And because it’s an older one it has problems that come up. Elderly people who have worked their entire lives and end up in a situation like this couple should be allowed to keep their home!
There are over a million that live in RV 's in America. I had to, I could not afford buying a home. I purchased a half acre. And cannot afford to have water, electricity, and an aerobics septic system installed. I started documents to get social security retirement. Found out they will not give me a check, until I pay off veterans medicine bills! Never did I ever thought this would turn out. And now a dialysis patient. I inherited from my grandfather! But I am a firm believer in prayer!
Praying for you and your family.🙏💙🙏💙
No matter what you say or how many people live in them it is classified as a motor vehicle.
A motor vehicle has a motor a transmission headlights tail lights and turn signals and requires a driver's license to operate. A mobile home is not a motor vehicle because it does not have a motor.
A mobile home is a home on wheels It does not require a driver's license to operate nor does it have an engine nor does it require annual inspection and it is insured differently because it is not a motor vehicle.
@@dps6198 I own a fifth wheel trailer it has no engine either!
❤❤❤❤ much love 💕
New law should include protection of tiny homes if it protects RVs.
We live in a messed up world literally
What do you see the biggest problems in our society?
@@johndoee3850 excessive income disparity...the top 3 richest men have more money then the bottom 47% of people combined, that is sickening!!!
I am lucky I live in Oregon ( never thought I’d say that), when I had to file bankruptcy last August I was able to “claim” my RV as my home so it was protected. The bank was more than happy to let me keep paying each month, allowing me to re-affirm the loan. I’m a disabled senior that also spent weeks in the hospital with Covid in 2020, I’m still recovering, but thankfully my dog and I are not living my car.
These people tried to sneak the RV by the bankruptcy court and it didn’t work out the same for them hahaha
@@trentbrownstone1481 Unfortunately, I think you're probably correct. My guess is that they knew it was a risk, but there was no other way for them to come up with any other scenario that would allow them to keep it, so they rolled the dice.
@@kevinmach730 It's too bad their family couldn't help them out especially when it was only over $8K! If they had family that could have loaned them the $8K to save their RV would have been a better option. I'm assuming they have MA plans which leave you on the hook for thousands when you need care! Sad that we are the only country that doesn't have true national health care and leaves its people bankrupt over medical bills!
Absolutely rotten
AZ is going down the tubes.
AZ has been going down for years
When wasn't it?
Not right. It's called a " MOTOR ( HOME ) ". Which means you have a HOME with a motor or because it is mobile, meaning it can be moved it could also be considered a MOBILE HOME. The government doesn't give a flip about us. !!!! I'm sick and tired of the rules and regulations on how you're supposed to have this law and that law on what a home is. They want us on the streets.
It is classified as a motor vehicle because it has a motor It is not a mobile home Don't start crying about your feelings because it should be something when it's correctly classified as something else.
@@dps6198if you didn’t know, mobile homes don’t have deeds, they have titles. Just like your car or RV. So they’re not that much different under the law. The problem with the laws is they are not kept current with the times we’re dealing with. Twenty years ago someone living full time in an RV would be rare. But now it’s becoming more common. I know you most likely have seen a few RUclipsrs that choose to live in a van and drive cross country. That’s their home, despite what the law actually acknowledges currently.
Lol. You're not a judge for a reason.
A mobile home cannot be driven around. It does not have a "motor" and remains stationary on a plot of land and that land has an ADDRESS.
A motor home (an RV is in this category) has a motor and is a mode of transportation ... even if someone lives in it.
They should have just made payment arrangements on the $8,000 medical bill. I feel bad for them but the law can be very tricky!!!
I had a unexpected illness/surgery and incurred $12,000 in medical bills just 1 month before going on Medicare. I thought about filing for bankruptcy but said Hell No because my house is almost paid off and a judge would possibly make me sell the house to pay the medical bill. So I had to deal with the bill ... and I surely didn't want to ... still dealing with it!!!
So it's ok if your whole block gets taken up by homeless people in RVs?
The court needs to get more in touch with what is a reality for many Americans, especially in Arizona where many RV's go to live. Shameful!
Arizona’s PRO-LIFE Supreme Court doesn’t actually GAF about living people.
Pro life has NOTHING to do with this, so what you’re saying is that people who do away with babies care about people 😑
Stupidest comment on RUclips!
Are you slow??? This is peoples lives their playing with!!@@kathyharmon2093
Yea because, you baby killers are just so moral and virtuous.... 🙄
Irony at its worst.
If it's squatters in that RV, it's considered a "home" for the squatters n "landlord" pay the bills. If the owner owned the RV fighting for it, then it's not a "mobile home"..remember u need to do something illegal to be protected at this age n time.
That’s a load of crap. Squatters don’t have any comparison to this issue. Laws don’t get changed until there is a demand for them to be replaced. An RV under the current law is a vehicle and nothing more. Because more and more people are being forced out of the housing market, living in an RV is becoming more common. The bad thing is if they do allow an RV to be classified as a home. Will that also mean even if you declare bankruptcy, are you still required to pay for it? Because some states allow you to declare cars under bankruptcy protection, which means you can keep the car and not pay for it.
No. Stop. The mental gymnastics it took to type that comment must’ve been insane.
No... Squatters in that r v would be grand theft auto. Try again, son.
@@TheChickenGuy666 😂😂I should have been clearer. The point I tried to make is anyone that tries to do things legally the law is 200% applied as restrictively as possible but if u are squatters, illegals, the law will bend backwards to be on ur side.
Legal education here/ several hundred court cases/ house and home can be defined entirely different/ one falls under law of attachment/ if a house is permanently affixed to ground/ a home maybe movable/ a house is not/ according to individual state law. Yes very confusing....THE LAWYERS WIN IN LONG 🏃♂️ RUN...THE GOVERNMENT HAS THE STRONG ARM...
😂😂😂LMAO this guy talks about humanity in Arizona???That's rich. I feel for this couple totally. I know one illness can leave you homeless. America really doesn't care if 99% of the citizens are homeless, just as long as the 1% are rolling in it. As a senior myself, who's been homeless my heart goes out to you both and your babies as well.😢 Too many reasons to bail on AZ.
One million vehicles are being occupied by at least one person nationwide.
I am very interested in your comment. Where did you find the information? After viewing this clip, I was shocked to learn their RV could not be considered a home by Arizona state law. I have spent time reaching van conversions and travel trailer remodels. Many people live in their vehicles because of limited, or no income, to support what Arizona considers a home. A post from Oregon said their state allowed him to claim his RV as his home. Thank you in advance for any statics and source information.
They filed for bankruptcy expecting to be able to keep a LUXURY camper…
They sold their house in order to file bankruptcy and KEEP the RV!!!
Probably why they haven't shown pictures of the RV. We'd be able to tell how much it originally cost.
I'd like to know what they did with all the money they got when they sold the home?
@@660Olivermost likely still owed money on the mortgage . Had relative’s like that. No matter how much money some people make ,they’re always broke. Then blame the government for not paying enough pension. Seen it all.
If they owned a nice home, they would have been allowed to keep it. A mobile home is usually worth less than a house! If it’s their primary residence, they should be allowed to keep it! It costs far less to travel in a motor home than it costs to pay a mortgage. Maybe you shouldn’t be so judgmental until you’ve been in that position.
@@candacerushing6882bull. They had a loan. They had an obligation to fulfill. Obviously they didn’t do that. If they had kept their house and lived a modest life they wouldn’t be living with their daughter. They tried living a life they clearly couldn’t afford.
The court better get with the time. Thousands of people are living in RVs and vans because it’s all they can afford.
Yeah but these people aren't doing a bankruptcy and trying to keep the RV that they don't even pay for. Yes they were able to travel around the country and have a good old time. Since they sold their home they should have paid cash and nobody would of taken the RV.
@@poollife777that’s where you’re wrong. They were going to keep paying it, but when you have rv worth $50k or what ever you try to use the bankruptcy exemption to keep and pay the rv, but because they couldn’t use the exemption that means every penny of equity becomes the property of the bankruptcy trustee. Using the exemption doesn’t mean they’re getting the rv for free
It’s definitely way way cheaper than a house even brand new
I’m a member of many RV forums and it scares the hell out of me how many people are selling their homes (an appreciating asset) to buy a depreciating asset. If you have to sell your home to buy an RV, then you are doing it wrong. I feel very bad for these people and I hope their story serves as a warning to others.
Finally a common sense response! Have you seen all the frame failures on rv’s that people bought for over $100,000 for their Covid escape. People in the last few years act like camping is “new” or they’ve invented it.
You are viewing this under the assumption that everyone sees things in the context of appreciating and depreciating assets. That isn't a factor in the decision to live in an RV.
@@mizzury54 Consequences aren’t even on their radar.
I have a home and I live on Social Security,, that is not enough to pay for the taxes, the insurance, utility bills, water, and sewer, that along the maintenance upkeep that comes along with owning a home. Homes are expensive not just to purchase but to live in them. Not sure you know this, but many homes are depreciating now.
@@rmanbike My husband and I started saving for retirement in our early 30’s & had no debt in our late 30’s. There is no way to live on Social Security alone.
PEOPLE IN THIS COUNTRY HAS GONE INSANE. A PERSON SHOULD DECIDED WHERE THEY CALLED HOME. THAT'S WHERE THEY SLEEP,BAITH, EAT AND GATHER. LAWS ARE JUST A MAN MADE EXCUSE TO CONTROL OTHER. LIKE THIS CASE.
Quit screaming you are boring.
Agree 💯
That is absolute BS
Yes, it is BS that this couple decided to abuse the bankruptcy system to get out of paying a relatively small hospital bill
Wrong there are millions of people living full time in rvs in the USA, we are one of them for the last 4 years. Larry
Clearly not the whole story , they eventually didn’t own the motorhome that was probably one of their biggest debts , and you don’t file bankruptcy over 8 grand ! Another feel sorry for me story.
I agree with you. Getting Covid should not make you homeless. Maybe they should have gotten jobs instead of traveling around the US for 2 years. Just sayin'.
Driving around looking visiting National parks and dont have $8K between the two of them.
These good people will lose everything because of semantics and if it were me, I would just keep moving and never surrender those keys.
If they have loan for the rv where the bank’s lien is on it the rv isn’t theirs and will lead to more replevin, repossession, and collection fees when the bank goes after it to get it back. Their mistake was living in a state where they could not claim the rv as a home like other states do.
Also in addition exemptions and stays only work if people are making the loan payments. Default gives financial institutions the right to ask the courts to have stays removed and have foreclosure/repossession activities continue
I lived in an RV for 10 years, it absolutely was my home.
Its a vehicle, not real estate.
@@TOMVUTHEPIMP it was parked in an RV park, never left the lot.....it was still my home. Fyi, mine was a 5th wheel not a motorhome so no, it wasn't a vehicle 🤷♀️
In Seattle when homeless people living in cars were towed from the streets they would be crushed but the court came out and said something to the effect, homeless people living in rv could get them back because they are their home.
If you have a running bathroom and working stove it's a home
It's not a running bathroom.
In the past people didn't have an inside bathroom with running water - they had outhouses. And yet their home was considered a home.
My grandma used a sink and a pump for water, and an outhouse.
Not at all....
What about those living on their car or a van? It's less formal, but many can only afford this lifestyle.
@@roseother8306 personally since I was homeless for 8 years a car period is luxury but legal terms has to have running water (bathroom) and working stove go be a home also depends on state
They sold a house 2yrs ago and bought an RV (How much RV did they buy?!). Did they stop working too? Racked up lots of debt and got sick as well. Filed for Bankruptcy and didn't expect their primay asset wouldn't be seized? Something is missing here. They should've had savings or something BEFORE taking that leap. How were they going to pay off those debts? A lot of poor planning and decisions were made.
Exactly. Sounds to me like they are abusing the bankruptcy system.
They were bankrupted by hospital bills
How in the world would they have anticipated having C word and having unlimited funds to cover that disaster??? They sold their home, which was most likely paid off and they got the cash to buy the R.V. and travel from that sale. Use your brain
So many are in this situation now...just a few paychecks away from losing it all. With a few medical bills, many could be in a similar situation. The US is the only first world country I'm aware of in which a person can lose almost everything due to medical issues EVEN when they have insurance.
@@kristinab1078 you’re right about people not having much, if any, savings but I think given the particular circumstances of this case this couple could have paid off this debt albeit at a very slow pace. As I have said in other comments on this post they could have negotiated the monthly payments with the hospital and agreed on a number that they could manage. I think people often misuse the bankruptcy system. We are talking about $10k not some 6 figure amount. They could have probably paid $100/month and they would still be in their rv today.
So they sold their real house during the height of the pandemic, likely for big bucks. Bought an RV and travelled all over the country. Lived high on the hog im sure because gas for an RV aint cheap. Instead of buying land to put the RV on, these two acted like college kids on a summer vacation.
Yep, that's what I'm betting. It's not a house. It's a recreational vehicle. You're not supposed to live out of those full-time. They're not built for it.
Definitely the first thing the IRS comes for in a bankruptcy
@@mouse122809 If you file bankruptcy, you get a certain amount of value you can keep. that's why they kept their car. the RV they had was probably worth $500,000, way beyond the limit
@@cubey which is why they came for the RV? Cuz something ain't adding up. Doesn't make sense to file for bankruptcy over $8,000 on a medical bill that they could have gotten assistance on.
@@mouse122809 they tried to game the system and lost because they're dumb
My husband and I lived full-time in our motorhome for five years (2018-2023) while traveling the United States, visiting the lower 48 states (we flew to Hawaii and Alaska). I say this to put my two cents in that one can definitely call a motorhome a home and live in it just as you would a house. I'm living proof!!!
How do you claim residency in a state when living like that?
So, don't declare bankruptcy. They would rather get 10 mpg in their RV and travel. Perhaps they were making payments on the RV. Either way, they would have known this before signing the bankruptcy paperwork. So tired of the medical bill excuse. Hospitals let you pay $100 a month or lower for outstanding bills. "It's not fair." Too bad.
The lack of civics education is at the heart of this issue. It is up to the legislature to write laws. The courts are not supposed to write laws. Roe vs Wade is a prime example of a court writing law and look how that turned out.
“RV” recreational vehicle. I sympathize but when getting technical the answer to the issue is in the name.
So many are living in RVs, and it is their home! That’s crazy to take away their home!
Unbelievable my heart really goes out to this couple ❤🙏🙏🙏
Hey, that AZ Supreme Court is all heart. Thanks, Dougie Doucy for your compassionate appointees. Family values, indeed. 😡
Republican supreme court, shock horror. You get what you vote for people
Why didn't they appeal it to the ultimate Federal Supreme Court!
Just a LITTLE Grace and mercy CAN GO A LONG WAY... THANK YOU HOLY SPIRIT
That’s a ludicrous judgment! The intention is about a home.
In a state where there is a large RV population, this is a disastrous decision.
I don't think it's a new decision. RVs have never been classified as real estate. They are vehicles.
@@goofygirl1311 shut your pie hole, worm.
Bk over an $8000 debt? Wth
Yeah, I thought the same thing. Sounds like they were abusing the bankruptcy system just to avoid having to pay the bill. They likely spent way more than that traveling for just 1 year.
@@barryholiday8998 Yep. I bet they have no assets. Just pension income/ssa benefits. Gambled and lost
8000 in medical debt is nothing. Why didn’t they go on a payment plan?
@@Nate_K111I doubt they have a pension, probably just SS and I would bet nowhere near the max benefit. I'm guessing they didn't save much in a 401K if any.
They could have ignored that debt, and nothing would have happened other than it going to collections. 😊
This is just wrong. Thank you for reporting.
Wait. They couldn’t payoff the RV selling their house and were traveling the country deeply in debt? This house of cards was bound to fall. Getting sick didn’t make them lose their home. Poor long term planning did.
They wanted to keep the RV, but the credit card companies wanted it sold to pay their bills! It will be sold for pennies on the dollar in a foreclosure and they will lose any equity they had in it.
@@bugsy2902 that’s the risk of debt if you don’t pay your bills.
A home is an R. V. Period.
Not at all....
If the rv has a bathroom, kitchen, and bedroom which most do then it should be deemed a “home”. This is exactly why it’s illegal to live out of storage units. Because it don’t have a bathroom so it’s deemed inhabitable to the government
I guess a tent is a home too, for homeless
A rv is not a home period. I have an rv I have to get it inspected every 2 years and my insurance covers it as a trailer, definelty not a home. 😆 you can't even get a mortgage loan on a rv it's a personal loan 😆 17 percent apr.
Maybe some of these migrants can set up RVs in your yard
What is missing is what behavior caused them to go into bankruptcy
Money,money,money,,,,,,,MONEY!!!!!!! They got to have every penny an dont give a crap about a living breathing soul.Damnation.
Well said.
How about the fact that the couple traveled all around the country and had a good old time but never saved a dime for their future. And either they make too much money or they have the wrong kind of insurance because this shouldn't have happened.
Republicans
@@poollife777 alot of things shouldn't happen but it does.Were doomed.
It's literally their only home-it is a home!
If that's where you live and
you don't have an apartment or a house that is your home.
The ruling against them is unfair, it's cruel and unusual punishment.
It's mobile, it's a home. I don't understand.
The RV is a personal asset.
Filed bankruptcy for a fairly small amount of money. Where’d did the money go from the sale of their house? Did they buy some hundred thousand dollar unit or a modest “MOTOR” home?
RVs have never been classified as real estate. They are vehicles.
RV=depreciates ( value goes down)
Sticks & Bricks= appreciates ( value goes up )
Surprisingly many people don't understand that. 🤷
The law needs to change to allow a motor home to be your home. They should get it back immediately! Do a fast track to Congress to change the laws so they don’t lose their home. ❤
It will only apply to people going forward, usually doesn't grandfather those from before unfortunately.
I’m in the fence in this, but in the end, the Motor Home was their sole residence. So that is their home.
That’s horrible
Should have sold it to a daughter for $1 before claiming bankruptcy.
Doesn't sound like you two planned this out too well. Only 8k in cc debt and you couldn't swing that? Everyone knows you just don't pay the hospital. Or pay them in payments. They have to let you. Idk. I feel sorry for them but I think they're more at fault than the court
It sucks, but thats the law, and it's not a home, it's a vehicle, not a residence, it's never going to be covered by the homestead act.
So the message here is, if you are planning to do this, make sure the motor home is paid off in full, if you can't afford to do that, you can't afford to live that lifestyle.
To me, this should be a common sense thing.
It is. It’s not a home. It’s a vehicle.
@@BillyMartin68 Whether you like it or not, the reality is that many live in their RVs as their primary residence whether for pleasure, necessity, or both. Without that roof over their heads many would be homeless. Which would you prefer? This is a growing situation in the US, and especially impacts older individuals who are trying to make it on social security and/or a small savings. Rent is too high for many. Times are a changing and not for the better.
Their attorney should have known the motorhome did not fall under homestead exemption as the law was written.
100%. If the attorney did not advise them, they have a bar complaint and could potentially get some money. If the attorney did advise them, they are leaving out a very important part of the story.
During the depression, every vehicle was a home.
This kind of ruling is destroying the fabric of our country. SO many people NEED to live in their RV because the economy is so bad! This will unfortunately get worse
Especially the elderly homeless . It makes me sick how little anyone helps
I think the California Taxpayers spent 20 Billion Dollars over the last 5 years to help the homeless. Their are 49 other states that spend Taxpayer Dollars helping the homeless Plus the Federal Program. I would not say that is "little " help.
Ok, but by law they're considered a home, and that's why cops have to get a warrant to search them.
They need warrants to search a vehicle too. But they don't need warrants for any of it if they have reasonable doubt.
@poollife777 You mean, probable cause. The probable cause for a vehicle, is much lower than probable cause for a home.
I’m 45 and never saw our country in such a bad state. So, un American.
Together we will stand divided we will fall God bless the world Jack from Maine
In reality, whomever created Covid should be held financially accountable for these people's medical bills.
Yeah, like that's ever going to happen.
So a "mobile home" -- a manufactured home that is placed semi-permanently on a lot and which after a few years basically is no longer "mobile" -- is okay, but a "motor home" -- which can be virtually indistinguishable from a "mobile home" but actually is truly "mobile" -- is not okay. The trustee should be ashamed for pursuing this, and the court should be ashamed of its wacky ruling.
A mobile home is not a motor home and a motor home is not a recreational vehicle. Is the Icon of the Seas which is a 248,336 ton, 1,198 foot long, 20 deck cruise ship with 2,805 staterooms that can accommodate 7,600 passengers a mobile home as long as the owner chooses to live in it so they can claim it as a homestead exemption after deciding to declare bankruptcy while keeping their most valuable property?
Unless you can say with a straight face that "if Bill Gates gets so far in over his head he can buy the Icon of the Seas and move into it and say "this is my homestead" or "mobile home" you are ignorant. The Rule of Law requires uniformity and specificity and a vehicle must a vehicle and a home a home unless the law specifies when they may be re-classified as something else. This is why the law SPECIFICALLY says a condominium and a mobile home are a homestead. This is why the law says:
1. Interest in Real Property in one compact body, or
2. The person's interest in one condominium, or
3. A mobile home in which the person resides, or
4. A mobile home in which the person resides plus the land on which that mobile home is located
The Court is correct in saying that if the Legislature wants a car, yacht, cruise ship, jet, recreational vehicle (RV) or any other vehicle to be included then they need to be added as #5, 6, 7, 8...1,000,....2,000....
If they are not then they are not real property in one compact body, on which exists a dwelling house, a condominium in which the person resides, a mobile home or the land on which that mobile home is located. They are vehicles!
@@forgetitfolks Mobile homes -- formerly called "trailers" -- are not attached to the land and usually the owner of the mobile home doesn't own the real property on which it sits. Legally they are deemed to be "chattel," not "real property." Mobile homes remain "mobile" in the sense they can be moved (at substantial expense) somewhere else. A Class A "motor home," which is usually categorized as a recreational vehicle, quite obviously -- but not necessarily -- is more mobile than a so-called mobile home. Neither are attached to the land, are not "real property in one compact body" (to use your phrase), and people can and do reside in both of them. There is no practical reason that a yacht, houseboat, etc., cannot be claimed under the homestead exemption; these exemptions vary from state to state. The problem is that our legislators are quite poor at drafting laws: often they fail to think things through. Case in point: recently I saw a local law that holds residences cannot have locks on interior doors, nor may they have interior walls!
When laws become unconstitutional, it's time to disobey!
If you cannot afford things, don’t buy them.
If you don’t fulfill your obligation to pay, you should not be able to keep it.
Bankruptcy is an embarrassment. It’s unfair that you can be excused from a debt YOU created.
I agree with you, it is awful enough we had to deal with a bankrupting world leader, I find it cringeworthy each time I hear of someone taking on debt, to foist it off later. But, in this case, this is medical debt. Very unusual for us in a modern society to accept that some are just too poor to live, some not worthy to live due to quirks of intelligence, luck, grace, opportunity, socialization, etc. (Anyone who isn't at least a secret ego-maniac, knows that even if provided the graces of intelligence, social aptitude and endurance, through luck of birth, can end in naught, without luck of chance meetings, support, schools, experiences, work opportunities... some get very lucky, some not so much.) Letting people just die because they were born in the wrong place, or didn't have luck, is pretty normal in the history of the world, and still very common in many areas, such as the slums of India. I know my kids would be dismayed, astonished and deeply saddened if I forewent treatment to prevent pain, further illness, or death, simply because the unknown medical cost might exceed my insurance and ability to cover with savings.
Luckily, you appear to have excellent insurance, based on your total focus on the bankruptcy, but not the reason for it. Good your medical needs will never exceed your insurance pay out, to the point that you can't cover the cost of medical care, without wiping out needed savings/retirement. It's good you have savings, and can use any savings you have, to cover medical care, that you made so much, and saved so much, that you won't need to keep those savings to help you if you have an disabling injury, or as you age.
$8k is a drop in the bucket of medical care, and medical care easily overwhelms many people's insurance coverage, if they have it. So many can't cover insurance, on top of all the other expenses. $8k indicates they didn't even have a battle with cancer, which usually would exceed $100k out of pocket, usually closer to a quarter million. Many people have had a single significant car accident, and even with insurance, have found their bills to be nearly $1M. $1M. To the lucky, that wouldn't be hard, but to most, it's overwhelming, toxic stress. If this couple was hoodwinked into getting an Medicare Advantage Plan, then their insurance coverage would run out very quickly..... you have to be a lucky person to not end up with medical debt with Advantage Plans, but many aren't able to slice and dice through the slick brochures, extras, and the up-front lower cost. Some simply can't afford anything but the lower cost of an Advantage Plan, instead of spending the extra for the safety of a bundle of Medicare options.
I'm not sure how I feel about a person just dying, because a person wasn't as lucky as another. Or maybe, just not being able to walk. Feels weird. And, would I want someone I love to simply die because we who love them couldn't pool the money? Or to be in great pain? Seems wrong. Its why insurance came about...we are sharing risks and costs. And, I've known a couple individuals who survived, but with great debt, and kept it, and they questioned that impact that choice had on their family every day, wondered if they shouldn't have just died. Probably will die prematurely due to the stress effects. Painful to lose lovely engaging people.
Perhaps you think people should die rather than take on medical debt they can't afford, and that is fine... most people simply won't admit that. And, in a nihilistic framework, it isn't a wrong philosophy/approach, it's just one choice of many of how to organize your approach, and then broader, how we want to live as humans massed together. So comes the question, is that the society we want to foster? Is that a distant dystopia we want to pluck from history to project into the future? Or was it dystopia.... dead in the refuse cluttered streets, collected in carts,. Certainly not attractive, positive, hygienic, fine smelling. Course, what I label dystopia might be ideal for you. ...Or maybe the ill should gather at stations, so the sick, dying and dead are orderly. Choices.
Me? I personally will simply stop eating if I find I have a difficult or costly cancer as I start to age, rather than use my funds for medical interventions, instead of giving my kids a bit of seed money. A balance. Hopefully by the time I have to make a choice, my kids will be in a good place, and be ready to be without me as a journeyman. I assume you too will not allow your medical costs to exceed your ability to pay. Tough choice, when your brain is clear, you feel engaged, and you are engaging in life.... but that is when we must let go, to not incur medical cost that might exceed our ability to pay, otherwise, we may suffer brain changes that make it so we can no longer make that choice.
Did you not watch. They had unexpected medical bills due to illness
Geez...that was their home.
I suppose you voted for Trump who's filed Bankruptcy several times.
Anyways, be kind.
If you don’t pay it someone else has to lose it ! It doesn’t just disappear.
@@AJ-qn6gd Corporations file bankruptcy all the time and don't think twice about it. Why should we put people to a different standard!
@@bugsy2902 you wouldn’t think that if we’re you that was owed money and someone couldn’t or wouldn’t pay
Ignorance is not plausible deniability. Poor decisions have repercussions. Wake up RV & camper living people.
Poor decisions for getting sick and accruing medical bills they could not pay?
IRS recognizes an RV as a home as long as it has a functioning bathroom, electrical and heating.
This is dumb. If people live full-time in their RV, and have no other home, it should be considered their mobile home.
Heartbreaking
Federal tax laws does not implied to state laws. An rv, camper is not a home. In most states you can not buy land and park a rv on it and live.
Not that black and white.
It's a technicality, a motor home is considered a vehicle but, something that you would pull like a trailer would be considered a home...
Somebody should pay their bills so they don’t have to worry.
@veronicababy7959, it is easy to end up where they are. Hopefully, you dont ever have to eat your words.
I pay my bills.
@veronica: medical bills can destroy you, even if you have insurance. Hopefully you will stay healthy.
@@bookmagicroe9553 their medical bills totaled $8000. Total. Two years at $400. You can even get 0% interest for that.
Don’t give Sniffy Joe anymore ideas……..🙄
The VA will count buying a RV as a mortgage. So why is the finance company and state saying otherwise?
The VA does NOT count an RV as a finance able home. Nor do they finance a land only package.
Why are you lying.
if you are that age and owe more than you have, you have been doing something wrong. get a small apartment if nothing else. that's what a lot of people have.
And the AZ supreme court justices went to their homes after this terrible ruling.
F the court.
It’s an RV, it’s not a home. I have TWO RV’s and a Home. Just because somebody sets up a tent on the city street or in a city park and lives in it for months doesn’t make it a home. It’s really that simple.
For them it was their home. It is not a tent. It has everything to make it a functional home.
@@bugsy2902 those who count say otherwise.
What did they do with the proceeds from the sale of their home? Did it go to buy the motorhome?
Likely. They bought an RV, enjoyed traveling all around the country, ran up credit card debt and had a fairly small hospital bill. Then the chickens came home to roost. Hope their vacation was worth it!
@@veronicababy7959exactly. I don’t have sympathy for them. They are abusing the bankruptcy system.
They probably use it to take their little travels around the country and not work.
@@veronicababy7959exactly what I say!
@@poollife777 agreed.
Only in Arizona a mean spirited Republican State that protects wealth/business owner.
For thousands of people these days, their RV is their home, the courts need to get with the sucky times we are living in!!!
she says it's a home. But it has wheels, steering wheel, engine, etc. So it is drivable, which they did alot of.
I am sorry that this has happened to you. It seems the world has become heartless. I am so happy that you survived Covid though. Makes me believe that God has a special purpose in mind for you.
@shanahiggins4413 Well they better get off their lazy hindquarters & get working on that purpose god has for them & also get some jobs because they messed up royally in life with poor decisions. Greedy people.j
Very sad that they lost their home
An RV is a recreation VEHICLE, not a home. Pretty simple.
So their traveling and fun l have been interrupted. They just wanted debt erased to keep playing.
if they were migrants they would have had all the hospital care free and clear, no bills for anything
Stop making stuff up, thats not true.
Its true the migrants get cash welfare and free medical. You just dont lookuo the benefits i guess. They even get free college subsidy and loans. Look it up!@7531monkey
I applied for Medicaid for myself only. I am a legal resident and my spouse is a permanent alien (i.e., green card holder). We were both unemployed for a short time, so our income was $0. I applied for myself only, not my spouse.
I received a letter from the state. It said because my spouse was a permanent alien, my entire household was disqualified from any assistance. However, if my spouse were an undocumented immigrant, then here are a variety of programs to help you - health insurance, food stamps, housing assistance, energy subsidies, etc. It listed these, gave me phone numbers and offices to call, etc.
So yes, it is very, very true illegal immigrants can get government hand-outs. Legal immigrants, by contrast, cannot under any circumstances receive any government assistance. You are immediately setting yourself up for deportation if someone at the state-level approves funds. USCIS checks this. It’s a big deal.
American policy here is stupid, wrong, and quite frankly racist. If you are a foreigner but live in geographic proximity to the USA and can walk there, you get stuff. If you are a foreigner from across the sea and need to properly enter the country, be prepared to pay thousands and thousands of dollars, receive zero assistance, and immediately pay high taxes if you are get a good job. Basically, if you’re a Latino welcome to the family; if you’re Asian shut the hell up and produce tax revenue for us.
@@7531monkey It is true esp CA
Admittedly I’m suspicious of their desire:need to file bankruptcy..
This is just so sad. This country is going down the drain.
They shouldn’t have filed for bankruptcy over $10k. They probably spent way more than that just to travel for 1 year. It wasn’t like they were stationery in an rv park year round. They were spending tons of $ on fuel and campgrounds.
They could have easily gotten a payment plan for that $10k that would have been manageable and could have found an rv park for $250 a month.
Sounds like they just wanted to get out of paying the hospital bill.
I agree, they went on a perpetual vacation until life happened. Boo hoo. I’ve told myself no so I can be prepared for emergencies & have no debt!
$250 isn't doable anylonger , maybe 450 plus utilities.
@@markbajek2541 I literally met someone last month who was moving to a park where the lot rent was $250 and it was a nice place.
@@barryholiday8998 That's very unusual what town was that in?
@@markbajek2541 it was near eufaula, Alabama. However, even if the lot rent was $450 somewhere they could still afford to pay $100 a month towards the debt. Hospitals are often willing to negotiate terms that are manageable for the debtor. You just have to be honest and show them how much you make, what types of other fixed costs you have and how much you can truly afford to pay.
This couple abused the bankruptcy system to shirk their responsibility.
If they didn't have enough money for medical emergencies, then why sell your house, move into an RV and then travel. They should have stayed home and found a cheaper hobby. Bankruptcy impacts all of us. They made bad decisions.