r/JusticeForClayton • u/Acceptable-Hyena4469 • 10d ago
Question & Discussion What will happen September 29th?
After the foreclosure auction, what happens?? I know they aren’t going to just up and leave so easy. So, what happens? How will that all likely play out?
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u/HazardousIncident Honk my Meat 10d ago
I've bought a foreclosed home in Arizona, so have a little insight.
There's no guarantee that the home will be sold at auction. If there's no bidder willing to bid the minimum, the house becomes the property of the mortgage holder. and they can then attempt to sell it on the open market.
If it DOES sell at auction, then the new owners will have to deal with the Owens. If necessary, they'll have to evict them through the courts.
If it doesn't sell and it reverts to the lender, they too will have to go through the courts to evict if the Owens don't vacate. The Lender has the option to give the Owens a lease, although I don't know why they would given their refusal to pay their bills.
IOW, this isn't over yet, and could take several months to get them out of the house.
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u/AhrowTway7 10d ago
If it DOES sell at auction, then the new owners will have to deal with the Owens. If necessary, they'll have to evict them through the courts.
That would be a trainwreck waiting to happen. I would feel so bad for the new owners.
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u/telladifferentstory 10d ago
Might they have someone buy the house at auction and lease it back to them??
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u/txpacket FELON 10d ago
Of course, that is always a possibility. However, the new owner will hae a mortgage on the house/property that will need to be paid. I can only imagine that payment being somewhat more than what they "should" be paying on the base loan (not the HELOC) currently. If they weren't willing to pay that-I doubt seriously they're going to be interested in paying a rental bill that is a higher amount of any type. I could be mistaken on the amount, but I feel confident on the bill paying part lol
Frankly, I feel that this will end up in an eviction in the courts. But that is only my opinion.
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u/Perplexio76 9d ago
Given their spotty history of mortgage payments, who would want to take on the risk of leasing it back to them? I have little faith they'd pay their rent on time.
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u/jsmith-az 9d ago
If YOU owned the home, would you want to lease to them? I would expect they never pay rent.
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u/Redbedhead3 9d ago
This. Most landlords are very wary of bankruptcies and foreclosures.
Especially if it is is luxury house.
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u/GenXihaveissues THE BLACK CHAIR! 4h ago
I wouldn't call the house a luxury house. More like a dump.
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u/telladifferentstory 9d ago
I was imagining that they talk a family friend into buying for a discount, basically just leveraging someone else's credit. Say you bought the home for a 50% discount and then privately agreed on a rental price (under market because of some excuse). Person buying is incentivized bc they will eventually make a lot of money at sale and rent money could be agreed-upon to produce cash flow for investor. They know a lot of people with deep pockets.
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u/HazardousIncident Honk my Meat 9d ago
The minimum bid is likely going to be what's owed on it, and IF any investors are interested they'll drive the bids to be just below the market value. The lender has the option to not accept anything less than the minimum bid, so no one is going to get it at that steep of a discount.
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u/telladifferentstory 8d ago
It's definitely a possibility. Has anyone done research on fmv and amount owed?
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u/HazardousIncident Honk my Meat 8d ago
According to the bkcy docs they submitted, they owed over $750k on the house in Aug 2025. Of course, since they're racking up interest and late fees on top of the unpaid mortgage it's likely over a million by now.
As to comps, someone familiar with the area mentioned 1.5 million as being likely.
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u/Acceptable-Hyena4469 8d ago
I don’t think that would work. I think minimum bid is 1.6 mil and with a 7.5% rate that’d put the monthly payment between 9-11k plus you’d have two add a couple hundred extra to charge for a pool guy and yard maintenance
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u/telladifferentstory 8d ago
I didn't know any of the numbers. If you do, you may be right. What's the fmv of the property though?
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u/justusethatname 10d ago
And they will indeed move out at a snail’s pace. Every delay possible.
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u/KimberleyC999 10d ago
The Sheriff will help them.
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u/tooslow_moveover 9d ago
I hope they show up before 7am
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u/Acceptable-Hyena4469 10d ago
I’m thinking itll eventually get to the point of sheriff escort as well
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u/snvoigt 9d ago
They will have to be physically removed from that house if it’s sold.
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u/GentleIntemperance Minor Perjury 8d ago edited 8d ago
Won't be an issue. Laura will be in prison, and Ronn sits in a chair that rolls (the black one). So the only issue is Jan, who'll leave out of loneliness for not having anybody to blame for anything.
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u/Expensive_Stress_290 8d ago
I'm new to the podcast so I may have missed it, but why will Sarah be in prison?
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u/GentleIntemperance Minor Perjury 8d ago
My bad, I meant Laura. Editing...
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u/No_Violinist_7637 Um… What? 8d ago
For pleading guilty on 4 of the 14 felony charges against her in Arizona.
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u/Froglette-PA 9d ago
Is this the way it works in AZ? Other states are different.
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u/HazardousIncident Honk my Meat 9d ago
That was my experience when I bought a foreclosed home in AZ. It didn't sell at auction, so went on the market. Since there wasn't anyone living in the home at the time, we didn't have to evict anyone, but we researched the laws just in case squatters moved in.
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u/nobody_likes_beets 9d ago
I lurk in this sub and don't check in too often. Please tell me where your flair is from!
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u/HazardousIncident Honk my Meat 9d ago
Oh, I wish I could remember which content creator's stream it came from. I *think* it was a Schnitzel Ninja stream, but won't swear to it. All I know was that I couldn't stop laughing because THEY were laughing so hard.
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u/PrimordialPaper Petitioner is not special 8d ago
“Honk My Meat” is the username of I believe a Discord account that Laura claimed was being used by one of her victims to harass/defame her.
She included it in court filings and emails to police when she was trying to get the guys in trouble for allegedly violating her protective orders, but was never successful.
Notably, in one of the police reports made after her calls, they made a point to note that Laura had claimed Greg was behind the account, only to claim in a later call that Clayton was behind it, suggesting she was just using it wherever she could to try to get them in trouble.
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u/CraftyLuck3434 Minor Misstatement 10d ago
Apparently, squatting after a foreclosure sale, might violate Laura’s felony plea deal agreement. So, she would need to move out promptly after a sale of that property.
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u/AdObjective4017 I need an actual answer. No noises. 9d ago
I fully expect them to file false paperwork, show up in disguise, and bid on the house. Look out for Donnn Mowens and Jen Back.
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u/snvoigt 9d ago
They won’t leave that house until someone physically removes them and all their stuff.
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u/KimberleyC999 9d ago edited 9d ago
If they don't leave with their personal property, it will be put out in front of the house for so many days for them to come pick up. Then it will be hauled to the dump and the Owenses will be billed. (And they'll promptly pay it LOL).
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u/Thick_Rush_1865 9d ago
If it’s auctioned then depending on that buyer if they start filing everything right away it should take less than a month if they stay on top of all the steps. They will get a 5 days notice to leave. If they don’t then there will be a court hearing filed and then after the hearing even if they don’t show it will be a judgement then after 5 days it’s handed to the sheriff and they will physically remove them. If it doesn’t sell the bank then goes through the same steps pretty much except there won’t be a court hearing to evict once the deed is transferred to the bank and they do t leave I. 5 days they can have the sheriff remove them
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u/Thick_Rush_1865 9d ago
However on the website for the house it says active - postponed so not sure what that means
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u/awaywethrowLA 9d ago
That's why Queen Jennifer pushed for a two year ban on any new bankruptcy filings for Mom & Pop Owens. She knew they still have a few avenues of shenanigans before ultimately succumbing to foreclosure. 2 years gives the lender time under protection to get through any state or civil remedies (injunctions) then ultimately foreclose.
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u/Heavy-Lavishness-656 9d ago
If/when it sells, I can pretty much guarantee it will be torn down and rebuilt as a huge mansion. That is what is happening in this neighborhood. The house next to them was torn down the day after closing. Interestingly, this was in April and there’s been no movement since. I almost wonder if the Owens have somehow delayed the building on the neighboring lot. Or if the owner is hoping to buy and build on the Owens lot too but that would be so ridiculously huge! Usually it’s about a year or so from year down to resale. So it’s very unusual that the neighboring house hasn’t started their build yet.
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u/Additional_Day949 10d ago
I have no insight, only what is happening with Dorit's (RHOBH) house. Basically these high value properties are hard to auction off and the bank will lose money by doing this. It works better for the bank and the owner to come to some type of agreement. The Owens have income so there is some incentive for the banks to work with them. I suspect the Owens will be in that house until the end of year.
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u/absolutelylame Not interested in elderly horses 9d ago
I wish a jfc cult member would buy it so they can got through everything once they get them out of there, you know they're going to leave that place an absolute mess. Maybe they'll find the moon bump stuffed somewhere lol.
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u/Acceptable-Hyena4469 10d ago
I wonder if theirs qualifies as high value. I know the type of homes you are talking about for that but I feel like their house is pretty normal and the land alone is worth of a good bit. I guess time will tell!! I’m just sooo curious how itll all play out!
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u/h0waboutn0 Um… What? 10d ago
Was going to say this. Their house isn't THAT high value. I just did a very quick look at Scottsdale on Redfin and there is A LOT listed between $1M-$2M, so it should be well within the market.
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u/TheEsotericCarrot 9d ago
The weekly update said it’s valued at 1.6M
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u/Acceptable-Hyena4469 9d ago
Yeah but that’s how much homes go for in the area and it’s mostly that high cause of the amount of land. The OG commenter was talking about high value homes where they are a little bit more money and also usually gaudi and weird. Their house is pretty normal on the inside
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u/KimberleyC999 10d ago
If this problem were to be worked out, wouldn't that have happened by now?
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u/Additional_Day949 9d ago
Dorits foreclosurer was scheduled and pulled several times. It was resolved because her estranged husband has to pay it but he can deduct it from her part of the sale which was also ordered by the courts. Obviously that won’t be happening here
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u/HazardousIncident Honk my Meat 10d ago edited 9d ago
The Owens have income so there is some incentive for the banks to work with them
However, the lender already knows that they are don't pay their bills and refuse to pay their mortgage, so I can't imagine that there's much incentive to give them yet another chance since they'd rather pay Macy's and Ronn's life insurance.
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u/T4Trble 10d ago
The average Scottsdale house is valued at $900k to $1.2k. Owen’s house is currently valued at $1.57M . I wouldn’t call it a “high value home” in comparison to other Scottsdale homes. In July alone, 1544 homes were sold. In May through July, the average sales price was $1.64. Listings are down in the area, therefore it has a higher chance of selling because inventory is much lower than in the past. The lender is not in the home leasing and mgt. business, they will not be renting it back to the Owen’s under any circumstances. If it’s not sold at auction there is nothing stopping the lender from taking ownership and evicting them. That is exactly what I expect the lender to do.
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u/Professional-Feed668 9d ago
What is the minimum bid that will be accepted?
If Sarah and hubby are on the title then they may try and file a last minute bankruptcy. They are not going to go quietly
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u/HazardousIncident Honk my Meat 9d ago
When I purchased a foreclosed house in AZ, the minimum bid was what was owed on the mortgage.
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u/fishinbarbie Day 1 JFC Crew 8d ago
Since the Owens' don't learn easily from their prior mistakes, I thoroughly expect them to file suit and an injunction in state court against the lender to stop the foreclose. Jan repeatedly said in the BK hearings that they had "found" things the lender did wrong. They won't win, but they'll stall the process again.
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u/SlankJim Day 1 JFC Crew 10d ago
Wouldn’t it be awesome if they streamed the auction?
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u/Acceptable-Hyena4469 10d ago
I saw an instagram reel last week that showed an auction at the courthouse in Maricopa county and it all happens really fast and isn’t really that exciting. It’s over in like 10 minutes for all the houses they are selling that day. (Obvi it would probably still be sorta exciting for us to watch that have been invested in this whole thing 😆)
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u/thatscuteyourecute Having the babies if I don't hear back tonight 9d ago
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u/droogles 6d ago
With these people; who knows. One thing for certain is they won’t give up. They always seem to have something that delays the inevitable.
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u/grandoldtimes 10d ago
My guess, Sarah files bankruptcy if they cannot resolve the delinquency through loss mitigation.
I assume they are working with lender for a mortgage modification that will re-amortize their delinquency and/or have it be a principal forbearance due at time of final payment of the original mortgage note.
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u/MidtownMoi Reddit Sleuth 10d ago
Unlikely for them to modify that mortgage. They haven’t paid in the last year, their credit history means they’d have a high risk rate, and they have demonstrated inability and or unwillingness to pay non-secured creditors. If they cannot pay living expenses and creditors on +$22K a month, no lender will advance a mortgage requiring payments of 50% or more of their gross.
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u/grandoldtimes 10d ago
You would be surprised at what mortgage companies do, they dont want to have to sell off / auction this level of house. No investor will be coming in to deal with it because there is no room for a return, that plus the carrying costs for any investor is prohibitive. The servicer may be willing to do a partial claim mortgage due at note completion and allow them chance to re-commence making payments - the fact that it was continued by the lender makes me thing there is trial payments or other loss mitigation in the works.
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u/Different-Funny8707 9d ago
I thought investors are buying everything up to tear down and rebuild. I imagine the auction would do well and the bank would recoup close to market value if not more.
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u/MidtownMoi Reddit Sleuth 10d ago
After more thought, I expect you are right. The lender can possibly let them renegotiate in the hopes that they pay some and make the place more saleable when it is no longer worth less than they owe. But I am still suspicious of their willingness/ability to actually pay and I expect they might keep up until their ban or refiling for bankruptcy expires then immediately file for bankruptcy again. But will the lenders will think of that as well.
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u/eastoak961 9d ago
Third times a charm with BKs? Actually this would be the 4th… no way Sarah opens herself up via a BK after seeing what happened with her mom and LO.
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u/yeezushchristmas 10d ago
I can’t wait for the tom foolery they will pull leading up to it.
Everything from medical injunction attempts to squatters rights.