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i really need advice- i'm going to lose everything....catz_tat

  Author:  29705  Category:(General Advice) Created:(5/9/2003 12:48:00 AM)
This post has been Viewed (1123 times)

ok- here's my situation- in october my ex left me while i was in the hospital 5 days before our wedding- he took all of my savings and i shortly thereafter lost my job due to the hospitalization and stress. we had just bought a house- he convieniently forgot his license so i am in a legal contract with this house-and several agreements that i am legally bound to (car- washer dryer- etc.) i managed to get a job soon after and start getting caught up on the bills, i had a roommate move in (the average cost of just household bills are about 1100.00) plus the feed for the animals i already had and the ones he left me with. 4 dogs, 5 cats, 26 chickens, 2 guinea pigs,a dove, 2 cockiteals, and a rabbit. most had been strays and i couldn't tell him no. Now this is where i need the advice- my job is cutting hours- my roommate just lost his job, and if i can't think of alternative methods to pay bills for this month- i lose the house- and a lot of animals will have to go to the animal shelter and be put down. I need advice on how to be able to keep everything until he can find a job or i can find one better. or if anyone has advice that could help- I'm desperate- I'm very close to losing all i have left since he left- everything i worked hard for - i just need advice, that's all. thanks everyone- even support helps- if no advice.

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Date: 5/9/2003 1:00:00 AM  From Authorid: 62065    im so sorry this happened to you...umm, you could try looking for a second job, in the mean time, see if you can find friends who would maybe take a couple of the animals under their wing. Talk to your realestate agent and find out if anything can be worked out for the bills (find help where ever possible). Also, i would call a lawyer, if there is any way you can prove that this guy did this to you (anykind of papers, or anything in writing). Did you guys have a joint bank account??? And take a deep breath, close your eyes, and tell yourself everything will be ok, and you'll find a way to work it out. *hugs, and more hugs*....Darkangel-1
  
Date: 5/9/2003 1:04:00 AM  From Authorid: 62065    oh, please keep me updated on your progress, and let me know how things go...i will help however possible!...darkangel-1  
Date: 5/9/2003 1:16:00 AM  ( From Author ) From Authorid: 29705    a second job is an idea- but i help my mom out a couple of days a week- and i spend forever taking care of the ' babies' I have my home on contract with lousy credit- my landlady isn't very forgiving as far as that goes- she said more than once- if i get behind on payments i forfeit the money i have already paid and i'm out. i have no way to prove what he took- it was cash.
Thank you though- it is helping me think
  
Date: 5/9/2003 2:50:00 AM  From Authorid: 51393    License for the house legal issues?I may have to check that out.Regardless if the house or credit history is in shakle(sp) or should i say destroyed credit rating.You can still use you're second mortgage to catch up wiht all the bills and pay the rent on time.First of all working (2) jobs and trying to maintain the children will defnitely give a nervous breakdown."WE",as a woman can only take so much activity before we drop.A second job best to do is baby sit at home on you're time for the children .Some money will help support you there.First off i need to know how long has it been sinced you bought this house.I need to know how much you bought it for.Home inspection actual purchased price of this home.If you loose the house in legal terms .They will take it away from you and the rest of your assets.I will help you out with these .let me know when you're here and see how far we can reached to get you settled in that home.  
Date: 5/9/2003 2:54:00 AM  From Authorid: 51393    Pets you have seems to have or will take time to keep.If you cant just give them away ,why not sell the chickens .Put them on a news paper or set up a yard sale.The dogs knowing how difficult to let go of them,as if they are part of the family.You need to decide what you want to do with them.Animal shelter if no one takes them ,they will be put to sleep .The rest of the animals should not be difficult to let go.  
Date: 5/9/2003 4:20:00 AM  From Authorid: 30747    Wow that is alot of stress to have. Hon, I think you need to downsize for one thing. I know you're probably attatched to the animals but you don't need that extra expense right now. Maybe if you found good homes for them you wouldn't feel so bad about that. Maybe you could call your mortgage company and make an interest payment this month. They usually try to work with people in trouble like this. Cut corners were ever you can and remember, it's only a temporary set back. Things will get better. Good Luck  
Date: 5/9/2003 5:35:00 AM  From Authorid: 58078    Maybe try taking out a personal loan maybe.  
Date: 5/9/2003 5:55:00 AM  From Authorid: 15228    This is a tough one. So you don't have a home loan with a bank? I was going to say that banks are usually willing to work out something as long as you call them and are honest about your financial situation..but maybe you can try the same thing with the landlady?? As far as the animals, you should start finding good homes for them now so next month you won't find yourself in the same situation. A second job is a good Idea, it's better than losing your home. If your roommate is still living with you, they can take care of the animals for you.  
Date: 5/9/2003 6:43:00 AM  From Authorid: 28848    Check with local churches, or shelters, or Human services, anything like that (Salvation Army, Good Will etc.), alot of times you can find services that help with paying your bills, like your rent and electric. And there are places that will give you food and things too. Check with The Red Cross in your area. If they can't help, they should be able to point you in the right direction for someone who can help. I wish you the best of luck. I know how you feel, I've been in situations just like this and it's not much fun... Hugs!  
Date: 5/9/2003 6:47:00 AM  From Authorid: 15394    how big is the house?? any chance of another room mate?? ... I guess the second job would make sense, but it is tough... as you probably know.... I feel for ya, and send goooood wishes to you!!! Good Luck !!!  
Date: 5/9/2003 9:26:00 AM  From Authorid: 57404    You are in my prayers. ****hugs**** Try going thru things in your home, that you haven't used in ages that are just taking up space.. hold a garage sale. This will give you some extra money. I would also maybe try selling the animals. You will need to try and budget as much as you can, save as much as you can. Maybe get another roomate since the one you have lost their job. Please keep us updated okay? God Bless  
Date: 5/9/2003 2:33:00 PM  From Authorid: 53052    you can take in more roommates... you can sell the chickens(and eggs they do have a value!!) you can try findng homes for the other animals they are many extra mouths to feed unfortunately pawn some things that you have... you could sell off things you have.. see if you can get a personal loan or ask someone to see if they can help you out finacially... look for a second job to help pick up on the hours..  
Date: 5/9/2003 9:12:00 PM  From Authorid: 47699    I'm sorry that you're having such a rough time, CT, and I don't know what to tell you. I'll keep you in my thoughts and prayers.  
Date: 5/11/2003 2:06:00 AM  ( From Author ) From Authorid: 29705    Thanks guys- even more of a difficult time because the man that helped raise me is in the hospital with a severe stroke and we aren't sure if he will make it.  
Date: 5/11/2003 2:16:00 AM  ( From Author ) From Authorid: 29705    ok- the suggestions are good- but some that I can't follow. The dogs are more like my children since I can't have my own- that would be like giving your kids up cause you are having a bit of a rough spot. I didn't go through a mortage company- and my landlady isn't forgiving when it comes to cash- she gave me a break when my ex left- she has already said not again on this one.
as for pawning my stuff off- i have already gotten rid of 90% of everything of value- that's how i recovered from my ex taking all of my money when he left while i was in the hospital. If i have 5 bucks left- my beasties will eat before i do- but so far keeping them all fed isn't that much of a drain. they were all throw aways when they came to me- they have had it rough and i can't do that to them again- thay have been the reason i am still sane. and taking on a second roommate is impossible- i have a small 2 bedroom that doesn't have enough room to throw in a tantrum. babysitting and a second job are good ideas- but between the first job and helping my mom out- i don't have the capabilities to take the 2nd one on and still be reasonably healthy. I do really appreciate the suggestions, and I'm trying to bear with it and look for the light on this one- but knowing that I'm not out of options is helping some.... thanks guys....
  
Date: 5/11/2003 8:05:00 AM  From Authorid: 51393    Catz,there is one thing you can do .Bankruptsy so they cant take anything away from you.Be sure to re-search it through.There are choices in bakruptsy.13th,7th and 11th i believed not quite sure on 11th ,but i believed its there.You want to keep everything this is you're way out.  
Date: 5/11/2003 8:53:00 AM  From Authorid: 53961    I had to give up our 3 pets in January when my health got worse. I know it is not easy, but they are in a wonderful home. For food, check the local food banks. You might check with the local welfare office. You may qualify for food stamps. Also, they may have a lists of churchs and organizations that may be able to help you temporarily. I am assuming you have a contract with this landlady. You may want to contact legal aid to check out your options. I know this may seem like a dead end road right now, but there will be light at the end of the tunnel. Trust me; I know from experience. Hugs Sweety to you and your dear mom who I think the world of.  
Date: 2/5/2004 11:18:00 PM  ( From Author ) From Authorid: 29705    here's an update to that- i just went ahead and put some stuff in storage and turned into an over the road truck driver.....i am a true hermit crab now- up to and including carring my home with me....   

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