I had to rip out three year old but totally destroyed carpet.

It would make sense that they charged it off as the physical building was destroyed by a hurricane (which is why the original owner stopped making payments and let it go) and the only thing that remains is the land.It's incredibly frustrating how these banks will not cooperate with people who want to buy property from them that they obviously don't want to own.

Not deliberately or negligently destroy, deface, damage, impair or remove any part of the premises or permit any person to do so; and shall not engage in any illegal conduct on the premises; and Act and require other invited guests on the premises, to act in a manner that will not disturb the neighbors’ peaceful enjoyment of the premises.

I will agree to $94,500 AFTER buyers agent commission is paid *and* I'll pay for the Wood Destroying Insect Report.That's $97,500 total @ 3%. 

Is this a problem in your area because if so you may have lost the battle with the utilities but won the war without your house being destroyed.  

On the flip side, if they believe you should only invest in right wing places they may destroy their entire business. 

@Mindy Jensen18 United States Code 1708: Theft or receipt of stolen mail;Whoever steals, takes, or abstracts, or by fraud or deception obtains, or attempts so to obtain, from or out of any mail, post office, or station thereof, letter box, mail receptacle, or any mail route or other authorized depository for mail matter, or from a letter or mail carrier, any letter, postal card, package, bag, or mail, or abstracts or removes from any such letter, package, bag, or mail, any article or thing contained therein, or secretes, embezzles, or destroys any such letter, postal card, package, bag, or mail, or any article or thing contained therein...The key to this statute is "fraud or deception".

If, in the unlikely event it's destroyed, it will be easier to remove, and cheaper to replace.  

So I lost all my houses, and my credit was destroyed for 10 yesrs.

The Buyer shall pay for the inspection and report for wood destroying pests and organisms, which shall be prepared by a company of Buyer’s choice.