Missouri Mobile Home Title Requirements

Summary

Mobile homes in Missouri can be classified as personal or real property, impacting title requirements. If a seller acts as a lender, they must comply with the Truth in Lending Act (TILA). Failure to provide a title can lead to civil penalties and legal consequences. Proper eviction procedures must be followed, including valid reasons and proper notice. If local attorneys have conflicts of interest, consider Missouri Legal Services or self-help resources for assistance.

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No. If fact the seller did not provide any TILA information at all.
In Missouri, the Truth in Lending Act (TILA) requires certain disclosures in consumer credit transactions. If the seller is acting as the lender in a lease-option agreement, they may have to comply with TILA.
- Did the agreement include any financing terms or interest rates?
- Was there any mention of the seller transferring the title upon full payment?
Please provide more details to assist you further.
The lease did not but informal written correspondence from the seller did outline interest rates and duration of the loan. I insisted on a mortgage amortization schedule and the seller had no knowledge what it was. I agreed and produce a schedule and, after insisting it be rename Loan amortization schedule, he accepted it by having me email it to his attorney only after I had signed the contract and promised to rescind the contract within 3 day as per missouri law, he insisted the title be changed to "loan amortization schedule" and instructed me to email it to his attorney. he also received a copy and used it to his advantage to represent his LLC as a financial institution paving the way for me to purchase homeowners insurance in my name with his LLC named a the soul beneficiary is cases of damage to the home. It was a 9 year contract that is ending in 2 months but he is evicting me from the lot it is sitting on while he still holds the title.
It sounds like a complex situation. Here are some general legal points regarding lease-options and financing in Missouri:
- In Missouri, lease-option agreements should be clear about the terms, including the title and financing.
- If the seller acts as a lender, TILA disclosures may be required.
- Eviction and holding the title are separate issues that may need legal review.
Have you received any formal eviction notice, and if so, what were the reasons stated?
One was posted in a very inconspicuous location and wasn't found until 8 days after it was dated. It was not in an envelope and also obvious it had not been in the elements (rain and snow) for 8 days. It gave no reason for the eviction but also stated a copy was mailed to me that I never received. The seller has a long history of breaching tenants' mailboxes to deliver periodic notices, reminders and evictions. I am suspicious that the "posted" notice wasn't left until after the mailed notice was removed from my mailbox. He has been trying to repossess the home for the last nine years unsuccessfully.
It sounds like you are facing a challenging situation. Here are some general points regarding eviction notices and lease-option agreements in Missouri:
- Eviction notices must be served properly and provide a valid reason.
- Posting without mailing or proper service can be contested.
- Lease-option agreements should detail title and financing terms.
Have you consulted with a local attorney regarding this eviction notice?
Every attorney I have called either only represents landlords or they have represented this landlord at some point in the past, creating a conflict of interest.
I'm sorry to hear about your difficulties. Here are some steps you can consider:
- **Missouri Legal Services**: They offer free legal aid to residents.
- **Self-Help Resources**: Missouri courts provide self-help resources online.
- **Legal Aid of Western Missouri**: They may assist with landlord-tenant issues.
Would you like more details on any of these options?
I do not financially qualify for legal assistance.
I'm sorry to hear about your situation. Here are some suggestions:
- **Document everything**: Keep a detailed record of all communications and notices.
- **Self-Help Legal Resources**: Missouri courts provide online resources and forms for landlord-tenant disputes.
- **File a Complaint**: Consider contacting the Missouri Attorney General's office about potential legal violations.
Would you like more information on self-help legal resources?
Regarding the title, missouri law requires the lender of vehicles to provide title naming a lienholder. Why would this law not apply to a titled mobile home under the same circumstances?
Hi there! The situation you're describing can be quite complex. In Missouri, mobile homes can be classified differently than vehicles. Here are some points to consider:
- **Classification**: Mobile homes can be classified as either personal property or real property, depending on their attachment to the land.
- **Title Requirements**: The requirements for titling and lienholder designations may differ from those for vehicles.
Would you like more information on the classification and titling of mobile homes in Missouri?
yes please also provide missouri statutes regarding the differences
Sure! Here are some general points and statutes about the classification and titling of mobile homes in Missouri:
- **Classification**:
- Mobile homes can be classified as personal property or real property.
- If permanently affixed to land, they may be considered real property.
- **Titling and Lienholder**:
- **RSMo *.***: Mobile homes must be titled similarly to vehicles.
- Lenders should be listed as lienholders on the title if financing is involved.
Would you like more specific details on any of these statutes?
yes please
Sure! Here are more specific details on the statutes relevant to your situation:
- **RSMo *.***:
- Mobile homes must be titled with the Missouri Department of Revenue.
- The title should list any lienholders if financing is involved.
- **RSMo *.***:
- Details the process of converting a mobile home from personal property to real property.
Would you like information on how to file a complaint or further steps you can take?
yes please, but first can you provide the penalties for failure to provide the title?
Of course! In Missouri, failure to provide a title for a mobile home can lead to the following penalties:
- **Civil Penalties**: The buyer may sue the seller for damages resulting from the failure to provide the title.
- **Legal Consequences**: The seller could face legal action for non-compliance with state titling requirements.
Would you like more information on how to file a complaint?
yes please. can you format it into a legal complaint pursuant to the rules of the 13th Circuit, Callaway County Mo?
Certainly! Below is a sample legal complaint format based on the information provided. Please note that this is a general template and you should consult with a local attorney for specific legal advice and to ensure compliance with local court rules.
---
**IN THE CIRCUIT COURT OF CALLAWAY COUNTY, MISSOURI**
**13th JUDICIAL CIRCUIT**
**[Your Name],**
Plaintiff,
v.
**[Seller's Name],**
Defendant.
**Case No.: [Leave Blank]**
**COMPLAINT**
**COMES NOW [Your Name],** Plaintiff, and for their Complaint against Defendant [Seller's Name], states as follows:
*. **Parties and Jurisdiction**
- Plaintiff [Your Name] is a resident of Callaway County, Missouri.
- Defendant [Seller's Name] is a resident of [Defendant's County], Missouri.
- This Court has jurisdiction over the parties and subject matter pursuant to Missouri law.
*. **Facts**
- On [Date], Plaintiff and Defendant entered into a lease and option to purchase agreement for a mobile home located at [Address].
- Plaintiff paid a nonrefundable down payment at the onset of the agreement.
- The agreement
will these laws and his failure to comply with these laws prevent him from evicting the mobile home from his property?
Hi there! Here are some general points regarding your situation:
- **Compliance with Lease Terms**: If the seller failed to comply with lease terms, including title provisions, this could affect their ability to evict.
- **Proper Eviction Notice**: Proper service and valid reasons are required for eviction.
Have you received any legal advice specific to your eviction notice?
i have received limited advice all lawyers in my area only represent landlords and several of them have represented him over 21 years, creating a conflict of interest.
I'm sorry to hear about your situation. Here are some steps you can take considering the conflict of interest with local attorneys:
- **Missouri Legal Services**: They may offer guidance even if you don't qualify for financial assistance.
- **File a Complaint**: Consider contacting the Missouri Attorney General's office for potential legal violations.
- **Self-Help Legal Resources**: Use Missouri courts' online resources for landlord-tenant disputes.
Would you like specific details on how to file a complaint with the Missouri Attorney General's office?