poncho62
Well-known member
Pretty much guaranteed that she won't be back to explain..............after some of the posts..
Chick Needs Some Help!
- Thread starter 2DoubleDs
- Start date
- Status
partsman
Well-known member
exactly some people just have to run there big mouth, when they dont know
Okay okay okay. Apparently I need to check these boards more often. Holy cow guys. This is absolutely incredible. I feel like "It's a wonderful life" or something. You guys have been so terrific. So kind and generous. I could not possibly let you do the things you're talking about. That's crazy talk guys. Even like this, we're a lot better off than most people. We have somewhere to go. It's just gonna take us a minute or two to get on base. I'm just sorry that hubby's credit is gonna go down the crapper. I feel that it's all my fault, because the house was ultimately my decision. (looooong story)
To answer some questions, we have not received our NOD yet (notice of default) so the foreclosure proceedings have not officially begun. But it has been a while since we paid, so it wont be long before everything gets rolling.
I have no clue about that stuff. I could ask my best friend. She does real estate and lending. She keeps updating me on terms. ha ha We did try to refinance and that didn't go anywhere.
What else? Oh, we're out by Camp Pendleton in Oceanside. But really, I couldn't let you guys do what you're talking about. I'm okay with what's happening. I've had a minute to adjust. The only thing that hurts is my daughters room. That's the only sentimental attachment I'll have to this house. And the garage, that ***** too. In this "business" I have to be ready to move all over the place. It's how I grew up anyway. (dad was a Marine too) So, I just try to look at it like that. We're being reassigned.
Really guys, any help you gave would just delay the inevitable unless my business picked back up. That's what happened. I run a daycare out of our home. And over the summer I lost about 50% of my kids. (they move, the grow up, etc.) That plus bringing home baby just didn't add up to anything financially profitable. ha ha At least this way, if we live on base I might not have to work. And that's what matters most to me, being able to stay home to raise my daughter. Not houses or mortgages or money, but Lily. She is what's most important to me.
You guys are terrific. I honestly never thought I'd meet such stand up, kind, neighborly, and unselfish guys on a garage journal forum. You guys really embody the Christmas spirit this time of year. God bless ALL of you. (Even that crazy guy who was only talking dirty on this thread. ha ha!)
To answer some questions, we have not received our NOD yet (notice of default) so the foreclosure proceedings have not officially begun. But it has been a while since we paid, so it wont be long before everything gets rolling.
I have no clue about that stuff. I could ask my best friend. She does real estate and lending. She keeps updating me on terms. ha ha We did try to refinance and that didn't go anywhere.
What else? Oh, we're out by Camp Pendleton in Oceanside. But really, I couldn't let you guys do what you're talking about. I'm okay with what's happening. I've had a minute to adjust. The only thing that hurts is my daughters room. That's the only sentimental attachment I'll have to this house. And the garage, that ***** too. In this "business" I have to be ready to move all over the place. It's how I grew up anyway. (dad was a Marine too) So, I just try to look at it like that. We're being reassigned.
Really guys, any help you gave would just delay the inevitable unless my business picked back up. That's what happened. I run a daycare out of our home. And over the summer I lost about 50% of my kids. (they move, the grow up, etc.) That plus bringing home baby just didn't add up to anything financially profitable. ha ha At least this way, if we live on base I might not have to work. And that's what matters most to me, being able to stay home to raise my daughter. Not houses or mortgages or money, but Lily. She is what's most important to me.
You guys are terrific. I honestly never thought I'd meet such stand up, kind, neighborly, and unselfish guys on a garage journal forum. You guys really embody the Christmas spirit this time of year. God bless ALL of you. (Even that crazy guy who was only talking dirty on this thread. ha ha!)
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kbuhagiar
Well-known member
2DDs,
Sorry to hear about the pending default.
Keep in mind that there should be a way to gracefully exit from the financial obligation - make sure you keep in communication with your lender, and hopefully this way your credit rating won't take quite as bad a hit.
Keep us posted. We care.
Sorry to hear about the pending default.
Keep in mind that there should be a way to gracefully exit from the financial obligation - make sure you keep in communication with your lender, and hopefully this way your credit rating won't take quite as bad a hit.
Keep us posted. We care.
Uncle Buck
Banned
Shame a few folks had to speak out of turn and imagine the worst in folks! This thread would have never added up to a scam in my opinion! Tie a knot and hang on DD, the ride may be a bit bumby for awhile but I am sure there is some blue sky on the horizon for you all!
Uncle Buck
Banned
This will likely be her last post after some of the **** that has been posted over the last couple of days!
firebird 97
Well-known member
DD go talk to Navy Relief (yes the marines fall under the department of the Navy) see what what they can do to help you out. There are other places on base you can go to. http://www.noscsandiego.com/resourcelist.html call any number on the base phone listing an ask for the Ombudsman for your husbands command they will point you in the right direction.
Wilbur
Well-known member
2DD's can you make it if you had a "full" complement of kids to care for? If so it sounds like a marketing problem more than a financial problem as relates to the house. And if that's the case then maybe there is a way to advertise on the base or elsewhere to get more "customers". If, due to the new little one, that you can't make it work even with extra kids then maybe a reorganization or some sort is in order.
Have you gone through a thorough financial analysis of what you would need until hubby comes home?
There are lots of good resources out there that can walk you through the math of it (I have fixed expenses of X, my variable expenses are Y and my income is Z...do all the actual math). And with some of the other resources that ARE there for active service personnel you might find that things are not as dire as you think. I don't know so I can't predict but for your daughter's room and the garage it certainly makes sense to examine all the possibilities before making some decision.
I know there are folks here who would be willing to help you figure out a solution, and include me in that list. Just let us know.
Have you gone through a thorough financial analysis of what you would need until hubby comes home?
There are lots of good resources out there that can walk you through the math of it (I have fixed expenses of X, my variable expenses are Y and my income is Z...do all the actual math). And with some of the other resources that ARE there for active service personnel you might find that things are not as dire as you think. I don't know so I can't predict but for your daughter's room and the garage it certainly makes sense to examine all the possibilities before making some decision.
I know there are folks here who would be willing to help you figure out a solution, and include me in that list. Just let us know.
george4
Well-known member
Dear Mrs. Marine,
If you have not received a Notice of Default you are not too far down the down the road, you would have over 3 months to straighten this out. Payments can still be made as a matter of right. There may be some penalties though. You do need to take a careful look at your equity position to see if it is worth throwing any more cash at the lender. I know I am not the only ex marine on this forum along with plenty of other patriotic guys. I spent some of time at Pendleton, probably before you were born. If the home is worth saving, post up a paypal account and let some Internet warriors do some good. Semper fi.
If you have not received a Notice of Default you are not too far down the down the road, you would have over 3 months to straighten this out. Payments can still be made as a matter of right. There may be some penalties though. You do need to take a careful look at your equity position to see if it is worth throwing any more cash at the lender. I know I am not the only ex marine on this forum along with plenty of other patriotic guys. I spent some of time at Pendleton, probably before you were born. If the home is worth saving, post up a paypal account and let some Internet warriors do some good. Semper fi.
Well, it's not just the daycare. Our mortgage payment just went up and is slated to go up again in 6 months. And then apparently AGAIN 6 months after that. It's like they WANT people to loose their houses. I know quite a few people (including my parents) who are going through the same thing. It's really getting ridiculous out here. California is kind of ridiculous to start with, but now it's absurd.
I have been hesitant to "step over my husbands head" and go on base to talk to his command. I'm pretty sure that would piss him off good. We once saw an episode of "The Unit" and one of the wives went to the command about something and Steve about sh*t his pants. ha ha. He hated her character from then on.
I'll talk to him about it and see. he seems pretty willing to do anything at this point. (yes, he knows what's going on. I hated telling him, but that's not something I wanted to explain on the drive home from his return)
I have been hesitant to "step over my husbands head" and go on base to talk to his command. I'm pretty sure that would piss him off good. We once saw an episode of "The Unit" and one of the wives went to the command about something and Steve about sh*t his pants. ha ha. He hated her character from then on.
I'll talk to him about it and see. he seems pretty willing to do anything at this point. (yes, he knows what's going on. I hated telling him, but that's not something I wanted to explain on the drive home from his return)One of the problems you may face from the lender is that they will most likely NOT take a partial payment (stupid as it sounds). In other words, if you are 3 months behind and can make 1 of the payments, they may refuse to accept it. FHA guidelines.
There ARE options available such as a "short sale", possible relief from the S&S Relief Act (visit to the chain of command is necessary to determine most likely).
While it's hard to do, recognize that there ARE people out there who are willing to help out in any way they can. Accept what they are willing to give and being working on building a better life for you and your family.
Setting up a paypal account is easy and should only take you a few minutes.
There ARE options available such as a "short sale", possible relief from the S&S Relief Act (visit to the chain of command is necessary to determine most likely).
While it's hard to do, recognize that there ARE people out there who are willing to help out in any way they can. Accept what they are willing to give and being working on building a better life for you and your family.
Setting up a paypal account is easy and should only take you a few minutes.
poncho62
Well-known member
DD...Keep that to yourself.........do not post that on this or any website. Its none of our business.
I was in Oceanside a couple of years ago...I can imagine it is very expensive to live there, as is most of Californy...............Is there any equity on the house, so you can sell it? Might be the way to go....bank the money until he returns and move to a cheaper area.
I'm sorry. In hindsight that did sound kinda rude. I was just trying to get an idea of how bad it it? Are we talking $1000 to get caught up or are we talking $10,000. You probably right thought poncho. It's none of our business if she's not going to let us help.
BIGD
BIGD
FL_Javelin
Well-known member
2DD, The blessing in all this is the love you and your family have for each other, that, beyond all else, will bring you out on top. Most of us here have gone through simular situations, more or less, and eventually THINGS WILL WORK OUT, just keep faith.
It is very crappy what has been dealt you and your family but we live and learn. That which doesnt kill us makes us stronger.
I only wish my wife was as half thoughtful as you but thats a whole other story.
God bless
It is very crappy what has been dealt you and your family but we live and learn. That which doesnt kill us makes us stronger.
I only wish my wife was as half thoughtful as you but thats a whole other story.
God bless
Oh sh*t!
I'm about to be totally screwed and on the road to divorce!!! (not really, but...he'll be pissed) The cat is about to be forced out of the bag.
He just emailed me and asked for the credit balance for Home Depot so he can put it on some paper work for his next duty station thing. He's been flagged for recruiting duty, so I guess they need his financial workup??? WTF does that have to do with anything? I don't know. Anyway...he's bound to notice that it's about 2 grand higher than it was when he left!!! That's how I paid for all the garage stuff. Holy sh*t dude. How do I even break this mess to him over in an email?! See...THIS is the hardest part of deployment, trying to have serious conversations via the internet.
The good news is...he just passed the test for black belt.
Proud of him for that. Poor guy. I swear, every time I try to make his life happier, it ends up blowing up in both our faces.
I'm about to be totally screwed and on the road to divorce!!! (not really, but...he'll be pissed) The cat is about to be forced out of the bag.
He just emailed me and asked for the credit balance for Home Depot so he can put it on some paper work for his next duty station thing. He's been flagged for recruiting duty, so I guess they need his financial workup??? WTF does that have to do with anything? I don't know. Anyway...he's bound to notice that it's about 2 grand higher than it was when he left!!! That's how I paid for all the garage stuff. Holy sh*t dude. How do I even break this mess to him over in an email?! See...THIS is the hardest part of deployment, trying to have serious conversations via the internet.
The good news is...he just passed the test for black belt.
Proud of him for that. Poor guy. I swear, every time I try to make his life happier, it ends up blowing up in both our faces.
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Uncle Buck
Banned
He will get over it and this too will pass!
MXtras
Well-known member
I would be different if you were sneeking around behind his back....
I think you will be forgiven for the spending. It was for him, and the intentions were noble.
Scott
I think you will be forgiven for the spending. It was for him, and the intentions were noble.
Scott
Wilbur
Well-known member
Show his this whole thread and he will understand it all and love you more for it. He's a lucky man. He will realize that.
HOTFR8
Banned
For those that believed this was a SCAM I can truly say you have never seen a scam.
I can tell you about scams but then going by what some of you have posted here about 2DD's and what she has done for her husband you would not know a real scam until it was too late.
DD's good luck. I am sure all will work out.
I can tell you about scams but then going by what some of you have posted here about 2DD's and what she has done for her husband you would not know a real scam until it was too late.
DD's good luck. I am sure all will work out.
MXtras
Well-known member
If you have equity, you would be well served to find a way out of this portion of the financial dilemna and get into a situation where you can re-finance or sell the property. Even if it is to a house flipper - at least you would be able to walk away with some cash from your equity!!!!!
The Mortgage company will get any equity you have aquired if you foreclose. This is what they really want to do, but they are forbidden to have too many forclosures (as a percentage of their loans) on their record, so they might be willing to work things out - especially with the number of foreclosures right now. Depends on your past, and I have no idea what your past looks like with your mortgage company.
Foreclosure should be your last option. Do anything you can to avoid it. If you have NO equity and don't mind a very large black eye on your credit for the next 3-6 years, then foreclosure is an option.
This includes selling a vehicle or accepting charity. Do whatever it takes. Look at the amount of your equity and weigh it out.
Scott
The Mortgage company will get any equity you have aquired if you foreclose. This is what they really want to do, but they are forbidden to have too many forclosures (as a percentage of their loans) on their record, so they might be willing to work things out - especially with the number of foreclosures right now. Depends on your past, and I have no idea what your past looks like with your mortgage company.
Foreclosure should be your last option. Do anything you can to avoid it. If you have NO equity and don't mind a very large black eye on your credit for the next 3-6 years, then foreclosure is an option.
This includes selling a vehicle or accepting charity. Do whatever it takes. Look at the amount of your equity and weigh it out.
Scott
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Benchloader
Well-known member
Consider forwarding these posts to him with an explanation for your planned surprise, and be sure to send those garage pictures to him too.
1320stang
Well-known member
I think maybe part of the scam thought might be subconsciencly because of the title of the thread?
In any case I hope all goes well.
In any case I hope all goes well.
Ok, how about an item auction instead ?
2DoubleDs, you have acquired one very desirable item that should be passed on like an Olympic torch. I'm referring to the slightly seasoned pre enjoyed stripper pole
. You can't leave this treasure behind, it needs to be passed to one of us on the forum. So how about having a auction on this site for this piece of history! The proceeds may help with that Home Depot bill.
2DoubleDs, you have acquired one very desirable item that should be passed on like an Olympic torch. I'm referring to the slightly seasoned pre enjoyed stripper pole
. You can't leave this treasure behind, it needs to be passed to one of us on the forum. So how about having a auction on this site for this piece of history! The proceeds may help with that Home Depot bill.Vicious_Cycle
Well-known member
You are *at most* 3 payments behind.
Either that, or you missed your September house payment, THEN joined here looking for garage fix-up ideas, THEN blew $2k at Home Depot fixing up a garage that you have no intention of keeping.
Weird.
Either that, or you missed your September house payment, THEN joined here looking for garage fix-up ideas, THEN blew $2k at Home Depot fixing up a garage that you have no intention of keeping.
Weird.
Re: Ok, how about an item auction instead ?
Funny, I was just thinking "Maybe I should put that pole to use and earn that money." LMAO (I hope you know I'm kidding)
2DoubleDs, you have acquired one very desirable item that should be passed on like an Olympic torch. I'm referring to the slightly seasoned pre enjoyed stripper pole
Funny, I was just thinking "Maybe I should put that pole to use and earn that money." LMAO (I hope you know I'm kidding)
swvega
Well-known member
Good luck and god bless. Hope things work out for the best for you and your family. Just keep in mind if there's anything we can do to help out don't be afraid to ask. The last time I was in the service was 1971 in the army but I will have no problems helping out a fellow vet in any way I can. I'am sure that most of the guy's on here feel the same. Minus the few that think someone would scam them out of a whole $5.00 that she didn't ask for to start with. EX. GI.
Palf
Well-known member
I didn't think they could foreclose on you while husband is deployed. You need to check with the Veterans Administration to see what rights you have as family with a member deployed to hostile area.
Uncle Buck
Banned
danski0224
Well-known member
Based on your description, you have an adjustable rate mortgage.
Hopefully, it isn't the "interest only" type.
All of the terms and conditions are fully disclosed in the loan documents... albiet in really tiny print. There should be a "summary" page with things like the interest rate and payment amount and length of contract in plain english. The ARM info should also specify a interest rate hike cap- if applicable.
The loan officer should have explained everything to you before the papers were signed.
You need to do *whatever it takes* to avoid foreclosure. It will screw up your credit for many years, and may close doors in the future because employers (government or not) check your credit... not to mention that future loans for at least 7 years will be at a subprime rate (that means you will pay a higher interest rate)... if you qualify for the loan you need at all with a foreclosure on your credit history.
Banks do not want to take your home, unless it is worth substantially more than the loan balance. Go to the bank and work something out ASAP.
Lots of luck.
Uncle Buck
Banned
I saw on the news tonight that the fed is getting ready to respond to all the ARM mortgages that are driving alot of the forclosures. According to what I saw they are going to do something like drop interest rates, and fix them to respond to this national epidemic of forclosures. Perhaps if DD ties a tight knot she might be able to hang on just long enough if she wants to!
Rte66Charlie
Well-known member
Where is the scam part? She didn't ask for anything - I offered, and the offer still goes. If you don't want to contribute, don't, but don't come on here accusing her of this being a scam.
I for one am grateful for this man's sacrifice and his family's sacrifice, and I'll gladly help her out anyway I can. Losing one's home shouldn't be part of military service.
I for one am grateful for this man's sacrifice and his family's sacrifice, and I'll gladly help her out anyway I can. Losing one's home shouldn't be part of military service.
Bevis
Well-known member
Amen... 2DD's you may want to go to the base Jag office. Theres also a relief act for deployed military (now if I could only remember teh name of it).
Luckily, only one poster has come out and accused this as being a scam..so DD shouldn't feel too bad about the participants here. I personally don't think it is..but it is still a helluva story that would obviously work as a scam. Just looking at many of the posts here, it is amazing how many people are willing to open their wallets..be it for a penny, five bucks, or more...without knowing for absolute certain either way. If a true scam artist has been reading these posts..they certainly have been schooled on a great way to make money without ever even asking for it. Sad but true. The "Nigerian Prince" who was ousted from his country and keeps sending me emails offering to split his multi-million fortune with me if I simply provide my bank account information so he can make the deposit may get some good ideas from this thread!
Good luck DD..hope it all works out for your family.
Wastedwagesracing
Banned
- Joined
- Nov 21, 2007
- Messages
- 613
The willingness of helping this person out in hard times that has been suggested is just a wonderful thing. I have not been on the site very long but it says a lot about the people running this place and it's members. I also spend time on a Diesel Truck site. We have done this very thing for two of our members in the past. One was the sudden and unexpected loss of a child. The second was a child with cancer and a family with no health care. Both times it was just unbelievable the number of people that reached down in the heart and gave to help these people out. Again it is great to see another site with the kindness and compassion for others well being.
Doug
Doug
Vicious_Cycle
Well-known member
Vicious Cycle Don't be an *******, it is not a nice attribute!
Same to you, Uncle ****. Did I offend you somehow?
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