A Family Forecloses a Bank for Trying to Foreclose Them

by Xavier Jackson via The 5 Most Satisfying Tales of Payback, Cracked.com

In most cases, it should come as no surprise when a foreclosure notice shows up in your mailbox (or gets nail-gunned to your front door by a sheriff's deputy like in the movies). After all, it doesn't happen unless you've gone months (or years) without paying your mortgage. It's the kind of thing a person should see coming.

But this wasn't the case for the Nyerges family -- their foreclosure notice from Bank of America came as a total shock. Why? Because they paid for their house in cash. That's the type of act that normally keeps a family safe from the foreclosure monster. But Bank of America wasn't going to let the fact that the Nyerges home was paid off keep them from taking the matter to court and attempting to foreclose on it anyway.

Naturally, their ridiculous claim was thrown right the hell out. In fact, Bank of America was ordered to pay the Nyergeses $2,534 to cover the legal fees that went into making sure their home wasn't literally stolen from them.

But after five months of trying, the Nyerges family was still unable to get that $2,534 out of Bank of America. What happened next will almost certainly be a Hollywood movie someday.

The Petty Revenge:

Remember what we said about seeing a foreclosure coming? It probably doesn't apply here. Basically, Bank of America's refusal to pay up paved the way for the Nyergeses to pull a stunt so damn beautiful it makes our fingers cry just typing it ... they turned the tables and foreclosed on Bank of America.

After contacting their lawyer to handle all of the legalities involved, the Nyergeses found themselves standing at a local Bank of America branch, watching as movers and sheriff's deputies removed everything. According to the court, the Nyerges family now owned all of it, right down to the money in the tellers' drawers. How was this possible? Well, keep in mind, the $2,534 wasn't some refund BoA owed the Nyergeses -- it was a freaking court-ordered payment. And judges don't like it when you just blow that shit off.

Something about the prospect of falling victim to a court-mandated bank robbery got Bank of America on board with the idea of paying the Nyergeses the relatively meager sum they were owed in the first place. After an hour of being locked out of his bank, the manager handed the Nyergeses their check.

And that was the only time a bank ever tried something so stupid. Ha! Just joking. They tried the exact same thing with someone else and the results were exactly the same, except for the part where a guy shows up to a televised interview dressed like a vampire to gloat about sticking it to the man.