I only need $10,000 to save my hose from foreclosure, pay some debt and, start fresh I lost lots of money last year due to medical bills, My wife gave birth to tree babies and couldn't go back to work. Now I'm making really good money and my wife is working again but because of bad credit we can't get a loan to caught up. We are very depress, We are good hard working people and we can't beleive that for $10,000 wi'll be loosing everything we worked for the last 7 years. Does anyone knows someone that will let us borrow the money even with high interest. I'll be willing to make payments directly from my pay check every month so there is no doubt I'll pay back.
Those private lenders that advertise in this sight are all scams.
Please if you know someone that is legit give me the info.
Thank you I appreciate your help.
It's just insane to think that for less than what some people spend in a dress I will be loosing everything including my pride and dignity.
2007-05-19 07:48:05 · 11 answers · asked by Anonymous in Business & Finance ➔ Personal Finance
Short of a Loan Shark...sorry.
Go to the bank that holds the paper on your house and talk to them ... calmly.
If you can show them that you have gainfully employment and making good money, they *may* be willing to work-out a payment plan. You can also approach them about a consolidation loan to cover your mortgage and outstanding debts, although they may not like that. The advantage is that you can usually see lower payments from a single payments than from several payments to multiple sources.
If this is the same bank that you have your paycheques deposited to, this will help.
Right now it sounds like you are walking the razor's edge, so I wish you luck.
Incidentally...have you ever heard of something called a "Social"? It's essentially a fund-raising party. All monies in excess of the costs of the the booze, food, and hall rental is yours. They're popular here in Manitoba.
If they are not popular where you are, try having your story publicised in the local media, especially if you can figure-out some sort of fund raiser idea. If you have been a good neighbour (especially in a small town type environment), a good citizen, and an asset to the community, people may come forward to help-out, not necessarily with your bills, but with goods and services. If you and your wife made a good name for yourselves with the hospitals you were in, you can try to see about any programs they have, etc. If you are fixtures in your local church, you can make appeals there too.
The draw-back on most routes are if you're a "Don't ask for nothin'" type you'll never see the assistance that can help, and it can be humiliating. But, on the flip side, there are people whom are more than willing to help, they just don't know where, when or how.
One final note...if things are that dire, you may want to declare bankruptcy...however, it means a black mark on your credit rating for 7 years that can make things difficult in future. The silver lining is that you can have all of your debts placed in abayance until you have a court approved repayment plan in place, and that in some cases, your debts will be repayed at dimes to the dollar - though, don't bet on it. It will also *help* protect your home and *a* car, plus the tools of your trade. Talk to a lawyer and an accountant SOON.
PS: if you're aware that the idiots offering loans and such here are scammers, you're a step up on many, many people in the IQ department.
2007-05-19 08:11:02 · answer #1 · answered by jcurrieii 7 · 0⤊ 0⤋
there are people out there called "hard money lenders" that specialize in situations similar to yours. I had a situation where I got hit with a mortgage late while moving because a check got lost in the mail. It did 90 points damage to my credit report. When I needed money, I could not get a loan because of the mortgage late. I had to call a hard money lender, and they lent me the money (albeit at 16% interest), based on the equity in the house. If you have the equity in the house, an investor will probably do the loan for you. You will have to sign a deed of trust, and risk foreclosure if you do NOT pay, but this could be your way out.
The company I dealt with is in Las Vegas, http://www.privatemoney4u.com/ If you are not in Nevada, just search the internet for "hard money loans" or "private money loans" or "trust deed loans". Good luck
2007-05-19 08:01:20 · answer #2 · answered by Zilla 2 · 0⤊ 0⤋
Instead of adding to your debt, contact your mortgage compan and see if you can work out a payment plan. Far better than yet another loan at even higher interest rates. Or contact your local consumer credit counseling service, the non-profit endorsed by the credit bureaus. They may be able to negotiate on your behalf, although they will insist on controlling your ability to take out additional loans. If your objective is to get new money to spend, they can't help, but if your objective is to find a way to pay back what you owe so you don't lose everything, as you state in your question, they can help.
2007-05-19 07:55:21 · answer #3 · answered by Still reading 6 · 2⤊ 0⤋
Some many homes are going into to foreclosure you can usually make a deal with lender. You can also try a home equity line of credit. Sometimes you refinance and take out some money, but the will pay off your creditors directly and not give you the check.
2007-05-19 08:01:45 · answer #4 · answered by scooby 4 · 0⤊ 0⤋
Congratulations on your tree babies. I would think anyone paying $10,000 for a dress might be a good person to ask for the money. You may wish to simply increase income (work at home) or decrease expenses and get on a balanced plan with your income and expenses. Medical bills do hurt. Have you talked to a consumer credit counseling service like the legitimate ones through the website below???
2007-05-19 09:59:10 · answer #5 · answered by Anonymous · 0⤊ 1⤋
we could placed your techniques comfortable! there's no way your strikes might are starting to be all people pregnant! To impregnate somebody the sperm should be further freely into the vagina. To have ejaculated directly to a towel of any style, and then to place that for the duration of the vagina is so unlikely to pass away all people pregnant! Now because of the fact you have placed this towel in a bag and then in the bin, skill the sperm could have died fairly lots rapidly - it could, admittedly, stay to tell the tale for as much as seventy two hours exterior the physique, yet that is on condition that it extremely is saved at physique temperature (36.5 ranges celcius) yet your bin can not be that heat! Now it have been taken away in the rubbish truck - it can be a million to a minimum of one risk that somebody sees it, realises you have ejacuated on it and then try to impregnate themself with it!!!! Please end demanding!
2016-10-05 09:16:03 · answer #6 · answered by aharon 4 · 0⤊ 0⤋
In addition to contacting your mortgage company, which I agree you should do immediately, there is a non-profit group called ACORN ( http://acornhousing.org/TEXT/fap8.php ) that may be able to help you. They work with lenders and borrowers to help keep the borrowers from going into foreclosure.
2007-05-19 08:04:35 · answer #7 · answered by aj485 5 · 0⤊ 0⤋
You should stop paying any medical debt. Pay on your mortgage, and let the medical debt ride until you are back in shape. They can't take your house because of medical debt.
2007-05-19 08:13:43 · answer #8 · answered by BIll Q 6 · 0⤊ 0⤋
ooooh it's a house not a hose. That had me wondering why you are so irritated over a hose. lol. Try not to miss out on key words next time.
2007-05-19 10:20:38 · answer #9 · answered by lucstudent 3 · 0⤊ 1⤋
If you have a good job and property, go to a bank - they will help you set up a loan.
2007-05-19 16:05:06 · answer #10 · answered by Anonymous · 0⤊ 0⤋