Thaum Koj Tus Tswv Tsev Plam Lub Tsev

Education for Justice Fact Sheets
By Mid-Minnesota Legal Aid and Legal Services State Support
Education for Justice  P.O. Box 14246  St. Paul, MN  55114
[email protected]
Thaum Koj Tus Tswv Tsev Plam Lub Tsev:
Tsev Raug Kaw Thiab Kev Txo Ntawv Tuav Lwm
Tus Vajtse Ua Yus Tug
When Your Landlord Loses the Building: Mortgage Foreclosure and Contract for Deed Cancelation
Koj cov cai raws kev ua ib tug neeg xauj tsev tom qab lub 5 hli ntuj tim 20 xyoo 2009.
Ua Li Cas Lawm Xwb Yog Tias Kuv Tus Txwv Tsev Lub Tsev Raug Kaw Lawm?
Koj yuav tau txais ib daim ntawv qhia tias koj tus tswv tsev lub tsev raug kaw lawm. Daim
ntawv no yuav teem ib lub sij hawm rau tub ceev xwm muab lub tsev muag, thiab tej sij hawm
tseem ceeb hais txog qhov kaw tsev no. Daim ntawv no kuj yuav qhia koj txog tej koom haum
thiab kev pab cuam uas yuav qhia tau xwm txheej rau koj, teb lus nug, thiab pab koj rau lub sij
hawm ntawv. Feem ntau mas koj tsis tas yuav tsiv tawm tam sim; koj nyob tau li 9 lub hlis
ntxiv tom qab tub ceev xwm muab lub tsev muag lawm. Feem ntau mas lub chaw txais nyiaj
yuav tsev ntawv tau lulb tsev thaum tub ceev xwm muag kiag lub tsev lawm.
Hauv txoj kev uas chaw txais nyiaj kaw tsev vim tswv tsev them tsis
taus, tus tswv tsev yeej tseem muaj 6 lub hlis los them kom tag cov nqi
tsev tom qab hnub uas cheeb nroog ceev xwm teem muag lub tsev
lawm. Lub caij no lawv hu tias “redemption period” (lub sij hawm rov
mus txhiv). Lub caij no koj nyob hauv tseem tau, thiab tus tswv tsev
tseem muaj cai sau nyiaj ntawm koj. Yog tias lub tsev txais nyiaj tsis
kom koj them nyiaj rau lawv no ces koj them rau tus tswv tsev li qub.
Yog koj tsis them nqi tsev, lawv muaj peev xwm muab koj ncaws tawm
tsev tau.
Lwm yam uas ua tau yog tus tswv tsev thov kom cheeb nroog ceev xwm ncua hnub muag lub
tsev mus li 5 lub hlis ntxiv. Qhov no hu ua: “sij hawm ncua ib ntus.” Yog tus tswv tsev them
taus cov nqi uas tsis tau them dhau los thiab caum cuag cov nqi tsev lawm, ces yuav tsis muag
lub tsev lawm. Thaum lub sij hawm ncua ib ntus, koj yeej tseem nyob tau hauv lub tsev thiab
tus tswv tsev yeej tseem sau tau cov nqi khiab tsev nyob. Yuav qhia cheeb nroog ceev xwm
hnub muag tsev tshiab tuaj rau koj yog nws kheev ncua sij hawm ntxiv. Yog tus tswv tsev them
caum tsis cuag cov nqi tsev thaum txog hnub tshiab uas cheeb nroog ceev xwm teem muag lub
tsev, ces yuav muab lub sij hawm rau koj dim cov nqi tsev tsis them no ncua li 5 lim piam.
2013

Kom tau kev pab ntxiv mus xyuas www.LawHelpMN.org
 H-14 pg. 1
Ua Li Cas Xwb Yog Tias Kuv Tus Tswv Tsev Daim Ntawv Tuav Lwm Tus Vajtse Ua Nws
Tug Raug Txo Lawm?
Nyob hauv daim ntawv tuav lwm tus vajtse ua yus tug mas koj tus tswv tsev them nqi rau tus
neeg uas muag lub tsev ntawv. Tus neeg ntawv hu ua tus “seller” los yog “vendor” (tus muag
los yog lub tus muag khoom). Kev txo daim ntawv tuav lwm tus vajtse ua yus tug no sai tshaj
qhov uas chaw txais nyiaj yuav tsev kaw yus lub tsev. Feem ntau tsuas yog 60 hnub xwb txo
tau lawm. Koj tsis tas yuav tsis tawm li yog koj tus tswv tsev daim ntawv tuav lwm tus vajtse
ua yus tug raug txo lawm. Qee zaum tus
muag tsev yuav xauj tsev rau koj thiab. Hu kiag mus cuag tus tswv tsev kom neb sib yeem tau
rau ib yam. Saib xyuas kom qhov kev sib yeem ntawv muab sau ua ntawv tsev, thiab kom koj
thiab tus muag tsev ntawv ob leeg xee tib si.
Tus Tswv Tsev Puas Muaj Cai Yuam Kom Kuv Xee Ib Daim Ntawv Xauj Tsev Rau Nws
Lub Tsev Raug Kaw Los Yog Thaum Nws Daim Ntawv Tuav Lwm Tus Vajtse Ua Tug
Raug Txo?
Ua ntej tus tswv tsev muaj cai kom koj xee ib daim ntawv xauj tsev los yog sau nyiaj ntawm koj
los yog txais nyiaj cas tsev ntawm koj mas nws yuav tsum muab ib daim ntawv sau qhia koj tias
lub tsev yeej tab tom raug kaw thiab nws yuav tsum qhia rau koj tias koj yuav nyob tau ntev
npaum li cas ntawm ntawv xwb. Nyob rau qee cov zos, xws li hauv Minneapolis thiab St. Paul,
nws yog ib txoj kev txhaum cai yog tus tswv tsev tsis qhia rau cov neeg khiab tsev nyob tam sim
no los yog cov yuav los khiab tsev nyob yav tom ntej paub hais tias lub tsev twb raug chaw
txais nyiaj kaw vim them tsis taus lawm.
Hos yog tias lub tsev txais nyiaj rau tus tswv tsev ntawv ho sau ntawv cog lus rau tus tswv tsev
tias lub tsev txais nyiaj yuav cia koj xauj ntxiv mus no ces tus tswv tsev tsis tas yuav sau ntawv
qhia koj tias lub yuav raug kaw no los tau thiab.
Tus tswv tsev muaj cai xauj tsev rau koj li 2 lub hlis ntxiv los yog kom dhau lub caij txhiv
(redemption period) los yog kom daim ntawv txo cai tuav lwm tus vajtse ua tug dhau tso, seb
qhov twg yog qhov luv dua.
Kuv Yuav Paub Ntev Npaum Cas Ua Ntej Kuv Tawm?
Ntu Caij Nyoog Cog Khiab Tsev Nyob:
Yog koj muaj lus sib cog khiab tsev nyob mus ib lub caij nyoog (hu ua
ntu caij nyoog khiab tsev nyob) thiab lub caij nyoog khiab tsev nyob
xub pib ua ntej xa tsab ntawv kaw tsev rau koj lawm, tus tswv tsev
tshiab yuav yog tus sau cov nqi khiab tsev nyob mus. Qhov no muaj
tseeb txawm hais tias tus tswv tsev tshiab yuav yog lub txhab txais
nyiaj los yog ib tug tib neeg. Tsuav koj ua raws li cov lus cog khiab
tsev nyob no xwb ces koj yeej tseem nyob tau hauv lub tsev kom
txog thaum lub caij nyoog khiab tsev xaus.
TIAM SIS, yog tus tswv tsev tshiab muab lub tsev muag rau lwm tus neeg uas yuav los nyob rau
hauv lawm (ua kiag lawv lub tsev nyob tseem), lawv yuav xaus tau koj lub caij nyoog cog khiab
H-14 pg. 2
tsev kom ntxov dua. Lawv yuav tsum sau ntawv qhia rau koj 90 hnub ua ntej yuav kom koj
tawm tsev.
Khiab Tsev Nyob Ib Hlis Rau Ib Hlis:
Yog koj khiab tsev nyob ib hlis rau ib hlis, tus tswv tsev tshiab yuav yog tus sau cov nqi khiab
tsev nyob mus. Tsuav koj ua raws li cov lus cog khiab tsev nyob no xwb ces koj yeej tseem nyob
tau hauv lub tsev kom txog thaum tus tswv tsev tshiab sau ntawv qhia rau koj 90 hnub ua ntej
yuav kom koj tawm tsev. Txawm hais tias koj tsis muaj tsab ntawv cog lus khiab tsev nyob los
koj yeej muaj cai tau tsab ntawv qhia rau koj 90 hnub ua ntej yuav kom koj tawm tsev. Koj kuj
xaiv tau los xaus koj kev khiab tsev ib hlis rau ib hlis los ntawm sau ib tsab ntawv ceeb toom
mus rau tus tswv tsev tshiab ua ntej li ib lub sij hawm khiab tsev.
Yus yog ib tug neeg xauj tsev mas tej zaum koj kuj yuav tsis tau daim ntawv qhia tias tsab
ntawv txo kev tuav lwm tus vajtse ua yus tug raug txo lawm no. Tej zaum twb yog hnub tus
muag tsev xa ntawv tuaj hais kom koj tawm tsev lawm koj mam paub txog. Tab sis tus muag
lub tsev yuav tsum qhia koj 2 hlis ua ntej nws kom koj tawm tsev.
Yuav Muaj Ab Tsi Tshwm Sim Yog Kuv Tsis Kam Tawm?
Chaw txais nyiaj muaj cai foob rau nram chaw hais plaub muab koj ncaws tawm. Thov mus
nyeem peb cov ntawv ntsiab lus hu ua Fact Sheet, H-26 Koj Tej Kai Txog Kev Raug Ncaws Tawm
Vaj Tse Xauj (Evictions).
Kuv Puas Yuav Tsum Pheej Them Nqi Tsev Xauj Yog Lub Tsev Twb Yuav Raug Kaw Los
Yog Daim Ntawv Tuav Lwm Tus Vajtse Ua Yus Tug Twb Yuav Raug Txo?
Tiag lau, koj yuav tsum pheej them nqi tsev xauj rau koj tus tswv tsev rau lub caij uas lub tsev
raug kaw ntawv. Tom qab tub ceev xwm muab muag lawm los koj yuav tsum pheej them ntxiv
rau thiab. Tab sis koj tus tswv tsev tsis muaj cai kev nyiaj nqi tsev xauj lawm thaum lub sij
hawm txhiv los yog “redemption period” dua lawm.
Tom qab lub sij hawm dim cov nqi tsev tsis them xaus lawm, lub txhab txais
nyiaj yuav pib sau nqi khiab tsev nyob ntawm koj rau cov caij nyoog khiab
tsev nyob seem thiab rau lub sij hawm 90 hnub uas teev hauv tsab ntawv
tawm tsev. Yog lawv kom koj them, koj yuav tsum them lawv. Yog lawv
tsis hais kom koj them, koj tsis tas yuav them nqi tsev xauj li.
Thaum daim ntawv tuav lwm tus neeg vajtse ua yus tug raug txo lawm, tus
muag lub tsev muaj cai taij kom koj them nqi tsev xauj rau ob lub hlis
ntawv. Yog lawv taij kom koj them nqi tsev xauj, koj yuav tsum them. Yog
lawv tsis kom koj them, koj tsis tas them li.
Tej lub zos yuam kom cov tswv tsev muaj ntaub ntawv “lais xee” thiaj li sau tau nyiaj them tsev
xauj. Mus nram koj lub zos qhov chaw nom tswv ua hauj lwm mus nug seb koj tus tswv tsev
puas yuav tsum muaj lais xee thiab seb koj tus tswv tsev puas muaj ib daig tiag.
Kheev tsis them nqi khiab tsev nyob rau lub hlis kawg ntawm lub tsev raug kaw vim them tsis
taus los yog lub tsev uas thim lus cog muag tsev.
H-14 pg. 3
Yuav Muaj Ab Tsi Tshwm Sim Yog Fais Fab Tej Raug Kaw Tas Lawm?
Mus saib koj daim ntawv xauj tsev. Yog koj raug them nqi dej, nqi fais fab tej, koj yuav tsum
pheej them rau tej yam no.
Yog daim ntawv nqi fais fab tej ua koj tus tswv tsev npe xwb, koj yuav tsum xub mus nrog nws
tham kom nws them cov nqi ntawv. Yog nws tsis kam them no ces koj hum us rau cov chaw xa
tej nqi ntawv tuaj es them rau lub
hlis ntawv kiag xwb. Yog koj ua li no, ces koj tsis tiv tus tswv tsev tej nqi ntawv thiab tsis raug
them nqi them lig.
Hais txog “gas” thiab tej khoom siv fais fab, yog koj nyob rau ib lub tsev txaus 1 mus txog 4 yig
nyob sib txuas, koj muaj cai muab tej nqi no los ua koj npe them. Koj tsis mag them rau nyiaj
cas los yog tej nyiaj nqi them li uas tus tswv tsev tshuav lawv. Yog koj them lawm, koj yuav
tsum muab daim ntawv qhia tias koj them lawm no rau koj tus tswv tsev, es koj txiav npaum li
ntawv tawm ntawm tus nqi them tsev zauj rau lub hlis ntawv.
Qhov thib peb ces yog mus foob txog kev tso nyiaj txiag rau ib qho tuav los yog kev pab raws
kev kub ntxhov foob koj tus tswv tsev, thiab taij kom tus txiav txim plaub yuam koj tus tswv
tsev them cov nqi, los yog kom txo koj daim ntawv xauj tsev.
Qee zaus lub txhab txais nyiaj yuav xav tswj xyuas kom lub tsev tsis txhob puas tag rau thaum
lub sij hawm dim cov nqi tsev tsis them, thiab rau thaum lawv yog tus tswv tsev tshiab. Yog lub
tsev tsis muaj dej los yog fais fab, cua sov, los yog lwm yam tseem ceeb, tej zaum koj yuav hais
tau lub chaw txais nyiaj ntawv them tej nqi no thiab. Koj foob tau lub txhab txais nyiaj rau H12 Emergency Tenant Remedy Action tam li ib tug tswv tsev tshiab. Sim hu rau tus kws lij choj
uas nyob ntawm daim ntawv qhia tias tsev yuav raug kaw es qhia tej teeb meem ntawv rau
lawv. Yog koj twb them kom fais fab tej rov muaj tuaj los yog ua kom tsis txhob raug kaw, nco
ntsoov xa ib daim ntawv uas qhia tias tau txais koj cov nyiaj them lawm no mus, es koj ho
muab npaum li ntawv txiav tawm ntawm koj tus nqi tsev xauj lub hlis ntawv.
Es Yog Kuv Ho Nyob Tsev Section 8 Ne?
Tej zaum qhov kev pab cuam Section 8 muaj ib co cai hais txog koj kev ua ib tug neeg nyob tsev
xauj thaum tus tswv tsev lub tsev raug chaw txais nyiaj kaw lawm. Thov mus cuag koj lub chaw
ua hauj lwm rau Section 8 thaum twg koj tau ib daim ntawv qhia
tias lub tsev koj nyob yuav raug kaw thiab koj mus taij nug seb
lawv yuav kom koj ua li cas.
Koj yuav tsum tsis txhob tsiv tawm ua ntej lub caij txhiv tas tso yog
koj lub chaw ua hauj lwm rau Section 8 tsis sau ntawv tso cai rau
koj. Yog koj tawm ntxov los yog koj tawm es tsis qhia lawv, tej
zaum koj kuj yuav poob qhov kev pab cuam ntawm Section 8 taus
thiab.
Tej zaum lawv yuav tso koj ua ntej tos Section 8 thiab yog koj poob koj lub tsev vim koj tus
tswv tsev lub tsev raug kaw. Sau ntawv qhia Section 8 tias lub tsev koj nyob ntawv raug kaw
vim tus tswv tsev tsis them nqi yog koj tseem mus tos Section 8.
H-14 pg. 4
Txawm koj khiab lub tsev nyob Section 8 los nws yeej mus raws tib yam li ntu caij nyoog cog
khiab tsev nyob thiab khiab tsev nyob ib hlis rau ib hlis uas piav muaj rau saum no. Tus tswv
tsev tshiab yuav tsum kheev koj nyob hauv lub tsev raws li cov lus cog tseg dhau los. Tom qab
muab lub tsev kaw mus muag tag lawm, cov nyiaj pab nqi tsev (HAP) yuav them tuaj pab li qub
thiab tus tswv tsev tshiab yuav ua raws li cov kev cai cog nrog HAP. Tus tswv tsev tshiab tsis
muaj cai ncaws koj tawm
ntawm txoj kev cog lus khiab tsev Section 8 vim qhov ntawd yuav pab kom nws muag tau lub
tsev zoo dua. Tus tswv tsev sau tau ntawv qhia rau koj 90 hnub ua ntej hnub nws xav kom koj
tawm tsev yog hais tias nws yuav los nyob kiag rau hauv lub tsev.
Es Yog Tias Kuv Ho Tshawb Pom Tias Kuv Muaj Ntaub Ntawv Raug Ncaws Tawm Tsev
Dua Los Lawm Ne?
Yog koj pom tias koj muaj ntaub ntawv raug ncaws tawm vaj tawm tsev ntawm ib lub sij hawm
uas lub tsev koj nyob raug kaw los yog daim ntawv tuav lwm tus vajtse ua yus tug raug txo, koj
muaj cai mus muab lwv tawm. Piv tias tshem tawm ntawm koj cov ntaub ntawv.
Yog koj tsiv ua ntej lub sij hawm txhiv tas log yog ua ntej lub sij hawm tas ntawm qhov txo
daim ntawv tuav lwm tus tej vajtse ua yus tug, log yog koj tsis tau txais ib daim ntawv qhia kom
koj tawm (Notice to Vacate), koj muaj cai muab cov ntaub ntawv ncaws koj tawm vaj tse no
lwv. Yog koj xav tau kev pab, mus cuag lub chaw kws lij choj pab dawb ze ntawm koj tau.
Kuv Yuav Nrhiav Kev Pab Ntxiv Qhov Twg Tau?
Nyob rau ntawm Hennepin County, mus cuag tau:
Legal Aid Society of Minneapolis: 612-334-5970.
Nyob rau ntawm cov cheeb nroog Ramsey, Washington, Dakota, Carver,
thiab Scott, mus cuag tau: Southern Minnesota Regional Legal
Services: 651-222-4731
Ntawm cov cheeb nroog nram qab teb tej zos me, hu rau:
1-888-575-2954
Yog koj nyob rau lwm qhov chaw ntawm Minnesota, hu rau HOME Line:
612-728-5767 los yog 1-866-866-3546
Yuav nrhiav lwm yam Legal Aid Society ntaub ntawv, nrog rau cov ntawv ua tham txog hauv daim ntaub ntawv no,
mus saib tos www.lawhelpmn.org/LASMfactsheets.
Txhob siv daim ntawv qhia no yog tias nws twb ua tawm los dhau ib xyoos lawm.
Sau ntawv rau peb kom tai cpv mtawv kho hloov tshiab, daim ntawv qhia txhua yam uas muaj tiag, los yog lwm hom siv los qhia. Cov
ntawv qhia uas muaj tiag yeej muab lus teb tsis tas rau ib qho teeb meem kev cai lij
© 2013 Mid-Minnesota Legal Assistance. Cov ntaub ntawv no rov muab tsim tawm dua tau thiab siv rau tsis yog lag luam thiab kev kawm
xwb. Tas nrho txoj cai tshwj tseg. Qhov lus ceeb toom no yuav tsum nyob ntawm txhua txhua daim ntawv luam. Txwv ncaj nraim tsis pub
rov muab tsim tawm thiab faib rau suav daws yam yuav nyiaj ua lag luam.
H-14 pg. 5