Due to the overprotective laws of some states in the United States, many tenants are not paying their rent and are still staying, causing a lot of headaches for landlords. Especially during the epidemic, state government policies have become the umbrella for “rogue” tenants. The media recently revealed a very difficult “rogue” tenant on Long Island, New York. He lived for free in a house he didn’t own for 20 years, without any apologies.
Hanspal (Guramrit Hanspal), 52, bought a house on Long Island, New York, in 1998 for $290,000. He paid a lump-sum mortgage and the foreclosure was foreclosed, but he defaulted on the loan. The property then went to Washington Mutual (WaMu), Chase Bank, and Diamond Ridge Real Estate Group. However, Hans Parr stayed in the house and did not move, so the three “landlords” fought Hans Parr in court for years.
When Damon Ridge Realty bought the house from Chase Bank in 2018, it offered Hanspar $20,000 to leave. According to the company, they had spent $150,000 in legal fees and paid $50,000 in property taxes just hoping the longtime tenant would leave. But Hanspal didn’t leave. He also filed for bankruptcy seven times over the years and continued to live in the house using the bankruptcy code’s “automatic stay” rule, leaving the house in shambles inside and out and the “landlords” unable to do anything about it.
Under U.S. bankruptcy law, all debt collection actions must be automatically terminated upon the filing of a bankruptcy petition. Generally, the Automatic Stay prohibits any collection of debts from the debtor prior to the filing of the bankruptcy petition, including judicial or administrative proceedings, enforcement of judgments, or appeals. The Automatic Stay also prohibits debt collection actions against the bankrupt’s estate itself.
To date, the two sides are still engaged in an ongoing legal battle in Brooklyn federal court, and it is unclear how Hanspar was able to file for bankruptcy multiple times.
The most powerful “rogue” tenant in the United States lives for free for 20 years and does not move
According to the New York Post, Jordan Katz, an attorney for Damon Ridge, said that Hanspar’s litigation history is “very long and sordid. The case, which lasted more than 20 years, involved a number of causes in addition to the tenant’s abuse of the legal process: the bank was in debt due to the financial crisis; Hanspall gave the deed to multiple friends, resulting in new tenants appearing from time to time in legal proceedings, and the court had to take time to dismiss the ownership of each of them, among other things.
When Hanspal bought the house in 1998 for $232,000, his adjustable-rate mortgage had an initial interest rate of 7.375 percent, according to records of the sale at the time. That means he saved himself about $440,000 by skipping the bill.
Some netizens commented that such people with no credit to speak of are unlikely to move out. More Chinese netizens warned that most Chinese people like to buy homes and hope that Chinese landlords will not encounter such “rogue” tenants!
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