60-year-old Woman buys a house with a shed in the backyard, then a stranger shows up claiming the shed is his because the previous owner never finished paying for it: ‘ She was renting to own and she stopped making payments’

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  • Woman stands in a backyard reaching up to pick fruit from a tree, with fallen apples scattered across the grass near a small wooden shed.
  • Mom purchased home with shed in backyard, now there’s a guy in a truck showing up saying that the shed belongs to him?

    I am staying at my mom's house. A guy shows up today while she is at work.
  • He tells me that the shed in the backyard belonged to the previous owner. She was renting to own and she stopped making payments.
  • He said it belongs to the company he works for and my mom has to either continue the payments or let them come take it.
  • She is a first time homebuyer. She is in her 60s. I'm trying my best to help her with this as I have never owned a home and dealt with this either.
  • But shouldn't the realtor have known whether this shed actually came with the property? Because I'm quite sure her realtor sold the home advertising the shed as if it came with the property.
  • Has anybody dealt with this before? Thanks! Updating to clear some confusion. I wrote this post right after it happened so in the moment and kind of hastily, so I guess the scenario wasn't clear enough; The previous owner of the house is the one who was renting to own the shed that is in the backyard, not my mom.
  • My mom purchased this house a few months ago, my mom is not the one who was renting the shed.
  • To my mom's knowledge, the shed came with the house. She is in contact now with the real estate agent and the attorney and I believe she has discovered that there is no lien on the shed.
  • That is the update so far. Her nor I expected this post to blow up the way it did, I was expecting maybe two or three kind people to see this post and offer some advice and that's it lol.
  • two women sitting in front of a shed on a wooden bench outdoors, smiling and chatting while holding mugs beside a small table with pastries.
  • We kind of feel like deer in headlights dealing with this. We know some people don't even believe this scenario is real and they are confused about renting a shed, but we live in a rural part of the country where that kind of thing is actually pretty normal and these sheds can go for thousands of dollars that some people just don't have straight up cash for.
  • Nevertheless, thank you to everyone who has chimed in. She has definitely read a lot of your responses and we are taking the advice all in and making moves!
  • samfreez I would definitely check with the realtor on that. If the home was sold with the shed conveying, I would have to guess the guy showing up to take the shed should be following up with the newly-enriched former home owner to take care of the bill... not the new home owner. I am by no means a lawyer, but I'd definitely consider asking a real one. That sounds suspect and likely shady to me.
  • Ok_Lime4124 Original Poster's Reply Yes. We are gonna contact them as soon as possible. I'm very suspicious about how a realtor wouldn't know. And if she did know that it didn't come with a home she definitely advertised it to my mom as if it did and that probably tacked on more to the ticket price of the home. Also, my mom just told me she has the shed insured as well.
  • astronaut-moose Yes! OP you need to get in contact with your (mom's) realtor and the title company asap. The contract of sale should mention what is or is not included in the sale of the home. The title insurance should cover any discrepancies between what should be included and what anyone else has a lawful claim to. Tell the shed guy that he needs to produce some evidence that this shed belongs to him, and you will report him for theft if he repossesses it without producing such evidence.
  • Ok_Lime4124 Original Poster's Reply Thank you. I should've said something then and there, but of course I was just surprised this man even showed up and I've never dealt with anything like this before. But he definitely should've produced some type of paperwork, contracts or something.
  • Ok_Lime4124 Original Poster's Reply This shed definitely appears to be more of the one on the right. It's a wooden shed. Similar looking to that one but twice the size probably. Thank you for all of the information. I will pass all of this info along!
  • makeitorleafit Did he take the shed?
  • Ok_Lime4124 Original Poster's Reply No, I told him he needed to come back when my mom was there. I can't give him any information on anything as I don't own the property.
  • HeftyPangolin2316 Oddly enough, an almost identical story popped up in r/legaladvice a while back. Maybe search over there for the post and see if there was a resolution? I believe theirs was a little worse because the company tried to repo the shed
  • Ok_Lime4124 Original Poster's Reply Yeah, he definitely mentioned repossession just without using the word. He said my mom can keep making payment payments where the lady left off or they can just come and take it. Also, he didn't produce any type of contracts or paperwork or anything. Just came and said stuff and gave a contact number for my mom to reach. She's gonna contact her lawyer as soon as she can.
  • Ok_Lime4124 Original Poster's Reply Okay. Thank you thank you. Jotting all this down.
  • LoanProblem Solver Absolutely check with the realtor
  • Ok_Lime4124 Original Poster's Reply Yes, absolutely. I gave this information to my mom. She's gonna contact her as soon as she can. I don't have the realtors information.
  • Ok_Lime4124 Original Poster's Reply No, she is not really pressed about keeping this shed The whole thing is just more concerning about this random man showing up saying it belongs to his company without producing any contracts or anything. I could be paranoid for sure, but in a world of scams I'm just like I don't trust this guy. lol. Could there possibly be a scenario where it is paid off and this guy is a scammer I don't know. lol. Also don't like the fact that this wasn't disclosed on whoeve
  • CiscoLupe "she is renting to own and stopped making payments". So was there a realtor involved at all? Has the owner started eviction procedings?
  • Ok_Lime4124 Original Poster's Reply So the previous owner was apparently renting to own the shed that's in the backyard. My mom purchased this house. I mean, of course she's paying a mortgage now. But it's the shed we're talking about. The guy is saying that the previous owner was renting to own the shed in the backyard. And that she still owes payments on it that she stopped making. So he is saying that either I guess my mom needs to continue making the previous lady's payments on that shed or
  • rtduvall That's what title insurance is for. Call your closing attorney.

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