The Evil Debt Collectors Who Went Too Far and the People Who Fought Back

Imagine a scenario with me. You’re sitting at lunch and your phone rings. You don’t recognize the number immediately, but maybe it’s an old friend calling. So, you answer it. BAM! It’s a debt collector.

You thought you’d paid that debt so you’re unsure why they’re calling. You politely explain the situation to them—that you’ve paid the debt—yet they don’t listen. They just keep harassing you. The conversation gets worse, so bad in fact, that you’re a little afraid. Can they really do this to you? What rights do you have as a consumer?

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7 Crucial Things to Remember During your Final Walk-Through

The final walk-through is one step of the home buying process that is often eclipsed by the closing. That being said, performing a final walk-through inspection may be one of the most important steps in the entire home buying process.

During the final walk-through, you’ll be verifying everything is as you requested. If something is amiss, many times your Realtor and mortgage professional can work together with the sellers to ensure items are repaired and rectified before final closing. To help, I’ve included 7 crucial things to remember during your final walk-through.

One: Hold your home inspection a few days before closing. Many times, the walk-through happens the night before or morning of closing. This doesn’t give the sellers any time to rectify overlooked repairs or remove items left before you sign the paperwork.

Make sure all repairs have been completed to your satisfaction. It’s a good idea to bring the home inspection report with you to the final walk-through.

Make sure any items that you expected to convey are in the home and in working order. This includes appliances, drapes, yard equipment, and more. Bringing the original contract with you is also a good idea.

Make sure the fixtures, such as lighting, shower heads, and faucets, are the ones that were in place when you put in your offer on the home. Pictures from the home inspection should confirm this.

Make sure that creative home staging wasn’t hiding flaws, such as a tear in the carpet or a hole in a wall. If you do find flaws, work with your Realtor or mortgage professional to see what remedies can be made.

You can also find out if the seller abandoned items that are difficult to move, such as a home gym or an old mattress. Request that these items be removed before closing.

Open all windows and doors. Make sure everything opens and operates as expected.

After you check the items on this list, make sure that anything that is not in working order is noted. Make sure you work with your Realtor and mortgage professional to get items addressed as some items such as requesting more money can delay your closing. If you feel that any discrepancies are small enough to disregard, such as normal wear and tear from the move, then at least you won’t be surprised when you return to the home with your own set of keys.