im getting ready to lose me home..... - Page 13 - YorkieTalk.com Forums

I Love Bailey · 12-28-2006, 02:39 PM

Quote:

Originally Posted by ytsirk27

i bought mine on contract for deed.....AKA..a contract with the owner...it isnt thru a lender or anybody like that.. i paid the down payment to the owners and they drew up a contract.

So let me get this straight? You are doing an owner contract and are behind 2 months rent/mortgage payment? What is your default with them? 30 days? 60 days? I am not trying to be rude, I work in a mortgage office so I am trying to sort the facts. If you have a rent to own contract and you default within the period set forth in the contract there is not much you can do, other then scrape together the money ASAP. Why did you wait until the day you were in default to get help? You have had 2 months.
We have lease option to purchase properties with a 30 day default. At the end of 30 days nonpayment the properties revert back to original owners.

If you are still short by the time frame imposed on you by your landlord, I would be borrowing money from my parents or all most parents. Draw up a contract with them to pay them back money owed on a monthly payment plan or see if they would do a trade program. You cook or clean for them on X amount of days for so many months until all debt is paid back.

Good luck and you are in my prayers.

ytsirk27 · 12-28-2006, 02:40 PM

Quote:

Originally Posted by stephluvsangel6

yeaaaaaaaaaa kristy, nobodys skeptic we want you to do your best and be the wonderful person you are. to the max fullest potential, we love you and im so glad your house is saved

I am turning a new leaf..both me and my husband and are going to do things totally different. Im sorry for some peoples skeptism,.,,thats your right. thanks to certain people on here i have had encouragment and have kept my house. i might have not always the done right thing but im a good person no matter what some may think. AGAIN, thanks to those that encouraged and prayed for me and that helped me.

ytsirk27 · 12-28-2006, 02:41 PM

Admin Please Close This Thread..

hunniebunnie · 12-28-2006, 02:46 PM

just a thought kristy. you may be better off with a different, and more steady job with a steady income. if daycare money can change your financial situtation at the turn of the wind, and threaten your home, it may not be the best option going forward. and your husband's work with the dog boxes fall under the same category. it's not steady and you to put part of the sales money towards the cost of material and shipping. it may be better just to get a second job with a steady income.

just a couple thoughts as you turn a new leaf for the future.

red98vett · 12-28-2006, 02:46 PM

Quote:

Originally Posted by ytsirk27

I DONT NEED ANYTHING ELSE!!!!!!!! ITS SAVED Thanks you to those that helped and you WILL get your stuff you ordered...only a few actually ordered but the majority that donated to me for this WILL also get something..... Jeffs mom coved the last 234.00 I needed, AGAIN Thank You to all those off YT that helped. Oh and those of you skeptics..ill be sure to scan off the reciepts showing PAID IN FULL AND IM not ripping anybody off!!!!!!!!

hey ...people were helping you - getting mad won't solve anything.

I've been in your shoes but if I just received this kind of help the last thing I'd do is jump on anyone....you really need to calm down girl ....I don't know how to say that any nicer and am not trying to make you feel bad... but look at this thread and all the people who just jumped in to help....

Brutus'mama · 12-28-2006, 02:50 PM

Quote:

Originally Posted by hunniebunnie

just a thought kristy. you may be better off with a different, and more steady job with a steady income. if daycare money can change your financial situtation at the turn of the wind, and threaten your home, it may not be the best option going forward.

I think this is wonderful advice.

Kristy I don't know why you're getting a little bent out of shape. People have been opening their hearts and wallets to you to help you. I know I would be humbled by this. You can't fault some for questioning how this happened. A while ago you were talking about Christmas presents and then BANG you're losing your house. You can surely understand right?

peanut · 12-28-2006, 02:57 PM

I don't mean this rude either but be thankful that so many people on YT care about others...

Grayson's mom · 12-28-2006, 02:58 PM

I placed an order, I see you met your goal, That is wonderful hope every little bit helps

ytsirk27 · 12-28-2006, 03:00 PM

Quote:

Originally Posted by red98vett

hey ...people were helping you - getting mad won't solve anything.

I've been in your shoes but if I just received this kind of help the last thing I'd do is jump on anyone....you really need to calm down girl ....I don't know how to say that any nicer and am not trying to make you feel bad... but look at this thread and all the people who just jumped in to help....

im not mad at you or anybody but im going to defend myself VIlette. Im done with it its ok..no worries

im totally amazed at this thread and i have said in 3 replys i believe how grateful i am and i appreciate everything that was given and done. I am more than grateful if i could kiss everybody i probably would!

its just been stressful and if i sounded catty i apologizxe... i just thought i could defend myself. I have not made the smartest choices, seriously but im changing it and it starts today!

ytsirk27 · 12-28-2006, 03:00 PM

Quote:

Originally Posted by Grayson's mom

I placed an order, I see you met your goal, That is wonderful hope every little bit helps

you can have it back if you want...

Grayson's mom · 12-28-2006, 03:02 PM

Quote:

Originally Posted by ytsirk27

you can have it back if you want...

Why would I want it back???

ytsirk27 · 12-28-2006, 03:02 PM

Quote:

Originally Posted by Grayson's mom

Why would I want it back???

didnt know if it ws because of the help the kristy cause...haha

hunniebunnie · 12-28-2006, 03:06 PM

i am continuously amazed by the outpour of generousity (my spelling sux today, sorry) from yt members for a member in need! definitely not a time to be rude even to skeptics! do the right thing and prove the skeptics wrong! don't find yourself in this hole ever again!!!

btw, just looked this up. federal minimum wage is 5.15/hr. there are an average of 22 working days a month. that's 176 working hours. which translates to $906.40 before taxes. even if 20% is withheld, that's still $725.12 take home pay, which is more than enough to pay for a month of home mortgage, insurance, and taxes of $642. that means even flipping burgers for minimum wage would work out better for you than the daycare thing. please take that under consideration!!!!

lisatodd · 12-28-2006, 03:07 PM

YOU YORKIE TALKERS ARE JUST AWESOME PEOPLE. I COULD NOT BELIEVE WHAT I JUST READ. YOU WERE ALL THERE FOR HER AND W SOME ??s WHICH IS FINE. WHEN YOU ARE GIVING YOUR MONEY (WHICH YOU MAY ALSO NEED) YOU WOULD LIKE TO KNOW THE WHOLE STORY. I AM JUST AMAZED HOW FAST YOU CAME TO HER HELP.
MAY THE NEW YEAR GIVE YOU ALL GOOD FORTUNE

Grayson's mom · 12-28-2006, 03:09 PM

Quote:

Originally Posted by ytsirk27

didnt know if it ws because of the help the kristy cause...haha

YES it was to help as last year we found ourselves in a pickle and got help, it happens to the best of us. I am not asking for it back as Grayson will love those yummy treats, if you choose not to fulfill the order then yes refund me.

12-28-2006, 02:46 PM	#184
hunniebunnie Follower of Yorkietology Join Date: Dec 2005 Location: Cali-fo-nee-ya Posts: 1,325	just a thought kristy. you may be better off with a different, and more steady job with a steady income. if daycare money can change your financial situtation at the turn of the wind, and threaten your home, it may not be the best option going forward. and your husband's work with the dog boxes fall under the same category. it's not steady and you to put part of the sales money towards the cost of material and shipping. it may be better just to get a second job with a steady income. just a couple thoughts as you turn a new leaf for the future. Last edited by hunniebunnie; 12-28-2006 at 02:49 PM.

12-28-2006, 02:57 PM	#187
peanut Dogs Rule Cats Drool! Donating Member Join Date: Jan 2006 Location: Tennessee Posts: 7,895	I don't mean this rude either but be thankful that so many people on YT care about others... __________________ KIM

12-28-2006, 02:58 PM	#188
Grayson's mom Mommy's Little Boo Boo Donating Member Join Date: Oct 2006 Location: Virgina Posts: 3,734	I placed an order, I see you met your goal, That is wonderful hope every little bit helps __________________ Proud mom to Grayson Abby Dusty Pepper Ryan Gabriel and of course me Diane Grayson loves Tia

12-28-2006, 03:07 PM	#194
lisatodd Little Boogers Donating Member Join Date: Feb 2006 Location: virginia beach, va Posts: 4,460	YOU YORKIE TALKERS ARE JUST AWESOME PEOPLE. I COULD NOT BELIEVE WHAT I JUST READ. YOU WERE ALL THERE FOR HER AND W SOME ??s WHICH IS FINE. WHEN YOU ARE GIVING YOUR MONEY (WHICH YOU MAY ALSO NEED) YOU WOULD LIKE TO KNOW THE WHOLE STORY. I AM JUST AMAZED HOW FAST YOU CAME TO HER HELP. MAY THE NEW YEAR GIVE YOU ALL GOOD FORTUNE __________________ lisa lisa and the cult jam yorkies

12-28-2006, 02:41 PM	#183
ytsirk27 BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas Posts: 2,811	Admin Please Close This Thread..

12-28-2006, 03:06 PM	#193
hunniebunnie Follower of Yorkietology Join Date: Dec 2005 Location: Cali-fo-nee-ya Posts: 1,325	i am continuously amazed by the outpour of generousity (my spelling sux today, sorry) from yt members for a member in need! definitely not a time to be rude even to skeptics! do the right thing and prove the skeptics wrong! don't find yourself in this hole ever again!!! btw, just looked this up. federal minimum wage is 5.15/hr. there are an average of 22 working days a month. that's 176 working hours. which translates to $906.40 before taxes. even if 20% is withheld, that's still $725.12 take home pay, which is more than enough to pay for a month of home mortgage, insurance, and taxes of $642. that means even flipping burgers for minimum wage would work out better for you than the daycare thing. please take that under consideration!!!!