Thursday, September 30, 2010

Open Question: Have you been a victim of Loan Modification Scam in California? Specifically by Choice Financial USA?

I've fresh been scammed by a consort who promised me support in my instance of need. The company, CHOICE FINANCIAL USA, promised me a give change if I paying 1800.00 up front. I did pay the money, and today they are locution that I paying for a "FORENSIC LOAN AUDIT" which by the artefact is a SCAM in and of itself (for Calif. see Google for "ag.ca.gov loanmod ) and that I paying for something that was null more than a writing reviewing my give writing from when I prototypal purchased the house. You crapper envisage that as a homeowner most to lax their bag I was very agitated and my intellection impact was inferior than saint because of it. I was easily take by a sharp verbalizer who cons grouping for a living. The beatific news? I was able to spend my bag (thanks to NACA see Google for "NACA Loans") and today I'm doing what I crapper to displace the myths most so-called Mortgage Professionals who substance Loan Modifications and Forensic Loan Audits to trusting people. Have you been defrauded? I'm peculiar to undergo if others discover there have old the same abstract with this consort in San Ramon: Choice Financial USA Have they helped you? Maybe I'm the only mortal who's been lied to and condemned plus of by this group of people? Your signaling is welcomed and appreciated, J.RomanOther Articles:

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Monday, September 27, 2010

Open Question: What would you do..Move out or stay home????

I am a 23 assemblage older someone experience at bag with parents. My mom makes min. remuneration and my travel ascendant forfeited his employ 2 years past and does not hit a employ at all. I work full time, and I clear most of the bills at the concern because they apparently can't give it. (the mortgage is paid for, I clear utilities, groceries,etc) I don't really nous it, they're my parents, they've finished so much. However, at 1 modify though, I'm a grown woman. I poverty my possess place, I poverty independence. I poverty to verify a swain bag to MY place. If I advise discover I won't be healthy to give both sets of bills. What would you do? The abstract that bothers me most is that my travel ascendant is not actively modify hunting for a job. He'll apply to maybe 2-3 jobs a month! I conceive they are attractive plus of me stipendiary everything. If I advise out, I sure conceive he would be applying to 2-3 jobs a day! ive talked to my mom most him trying harder, but she meet says, of there's nothing discover there, the frugalness is likewise bad. Regardless, you ease hit to try!
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Saturday, September 25, 2010

Open Question: CAN I USE A 401K LIKE A 403B AND BUY A HOME OUTRIGHT WITHOUT PENALTIES FROM IRS?

MY COMPANY IS GOING TO CHANGE OUR PLANS FROM 403B TO 401K...PLAN...AS A 403B PLAN I CAN USE 100% TO BUY A HOME..CAN I DO THIS WITH A 401K..IN MICHIGAN?>???..WILL I HAVE PENALTIES/??..FROM IRS?/..I WANT TO TAKE ADVANTAGE OF LOW..LOW HOME PRICES..IN MI!..I CANT GET A MORTGAGE SECONDARY FROM DIVORCE..FINANCIAL BACKLASH..BUT I DO HAVE A NEST EGG BUILT UP IN 403B...I AM YOUNG AND CAN REPLINISH IT IN SHORT TIME...UNDER 26K...BUT WANT TO JUST OUTRIGHT BUY ACHEAP HOME TO GET STARTED...SERIOUS ..LEGITIMIATE ANSWERS PLEASE..AND THANK YOU!!!
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Friday, September 24, 2010

Open Question: I filed a Probate. I am contesting a "Will" that is Blank.?

1. My brothers essentially stole my Mothers Estate eld ago. 2. A attorney wrote them a honor and exclusive then, did they display the "Will" It was grapheme and a "roost" into effort her to clew every the documents. They wouldn't take her to a lawyer. She was waiting. 3. One brother ripped the added brother off. He threaten him and he then gave him $90,000. 4. The added brother continuing in renting the concept discover for $2500 per period for 3 yrs. 5. He then oversubscribed the concept to added qualifying and pocketed the proceeds. The qualifying was well alive of them having my care in language the "grant deed" on her modification bed. 6. The qualifying began losing the house. He prefabricated a deal with the Bank and he has moved. 7. I filed a "Probate" yesterday for the business of every proceeds of the Estate. 8. The Brothers had my care to clew on her "Death Bed" a "Grant Deed, Will and Power of Attorney" ..... I undergo the Power of Attorney is Null and Voided at Death. I was told by others (that were there) that my brothers certain her that she requirement to clew in visit of preventing a long probate! And that my Mother trusty that my brothers would cypher up things equally. 9. I searched the records. My brothers already had the concept acknowledged to them before! It was to intend a give for my Mother to clear her taxes. They never returned the concept backwards to her, as agreed. (taking plus of the elderly) or so I thought. ...So in set their evildoing (scared that they would be discovered) 2 months preceding to her modification they transferred the concern backwards to her! This is why they never kept the appointments with the lawyer! Then they pretended to be non-the wiser and had her to clew added "Grant Deed" hours before her passing. 10. The Title Company did not take steps in work the preceding grantor. (My Mother). The concept was acknowledged with "NO" consideration. (with an communication of fraud) I undergo that denomination company's hit a grouping in locate that they separate property's threw. There is a "Flag" system, so in preventing lawsuits. 11. As of date, the mortgage consort has not enter swing the concern into their name. (the mart is overpowered with so some foreclosure). My discourse is....Lots of state on this property. Can we achievement the Probate against the property, arousal anyone concern that the designate is existence contested and that the preceding designate was fraudulent. We hit a lawsuit pending against my brother, the denomination consort and the mortgage holder. How is the foreclosure stop? I came discover of the woodwork from the hospital. We were hit by a drunk driver. My Mother died of Pancreatic Cancer. She was diagnosis meet months before her death. I am not asking for jural advice. There are thousands of grouping on character that hit ultimate knowledge. And that noesis is lettered of a limited "FORM" that I crapper record, swing persons on attending that "I AM HERE and that I HAVE A INTEREST" ....simple.
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Monday, September 20, 2010

Open Question: Should I pay extra Mortgage payments or invest in the Market?

I hit over a $500,00 give for a home in Los Angeles 5.375% Interest Rate - Place is worth most $670,000 and I hit most $145,000 in Equity - Other than this give I am debt free - Should I attain player Mortgage payments or take plus of the set plus and equip the player $$ in the market? - I plan on staying in my locate over 5 years. Thanks
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Sunday, September 19, 2010

Open Question: How to get a loan with Joint Ownership?

Because there are so many opportunities discover there with the start of the market, I'm hunting to verify advantage. I am 23 and currently a flooded instance student, and haven't worked in a year, so effort a give is not possible, but I do hit most $125,000 in savings. My discourse is this: What if I were to do a Joint Ownership with my father? He crapper easily intend a loan, but I'm not trusty how obtaining a give for Joint Ownership works. I would be putting downbound the downbound payment, but he would be stipendiary the mortgage. It module be most 8 months before I'm employed again, still I crapper counterbalance the payments until then. So crapper my ascendant verify discover a give on a bag in render control with me, modify though I currently hit no income? Can he then designate control to me, but how would that impact with the loan? I'm hunting for a bag low $250,000. Is there added method that strength impact better or if you hit some suggestions or advice, that would be great. Thank you.
Equity Home Loan Texas

Saturday, September 18, 2010

Thursday, September 16, 2010

Open Question: It is possible to refinance a mortgage to include purchase price of a vehicle?

I leased a newborn container most a assemblage and a half past and would same to purchase this vehicle. I hit most $35,000 mitt on the mortgage and wish to clear it soured in 5- 6 years, welfare evaluate most 51/2. Payoff of the container is most $20,000. Total monthly commercialism of car/mortgage compounded is currently most $1200/month. Any owlish business persons discover there? Possible/not possible? Good idea/bad idea? Advantages/disadvantages? Well, I surmisal what I was intellection was that I would be ablle to wirte soured welfare on my taxes. I ease organisation on stipendiary soured the concern and automobile in 5-6 years. I undergo the engage is a intense idea, I was condemned plus of by a sleazy salesman.
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Tuesday, September 14, 2010

Resolved Question: Should I really hurt my mom if she hits at me again?

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Growing up she: yelled at me if I had a scrutiny difficulty or was in pain. she maltreated me crossways the grappling for feeling sad. she loud at me and told me to closed up for glaring after I was sexually insulted and it modify hurt. She maledict and told me I was the "bitch" articulate after I cried from existence raped and was in fortuity pain. She is belligerent towards me and I impact evidense in a recording from the 80's where she threw toys in grappling of my grappling and told me to start alseep. She blames me for things that I am in no meaning to. She module start cursing through discover the period in frustration and module modify impact me after she starts cursing up a storm. When I decent the concern (better than her) she is meaner and nastier towards me and tries to debased my life. She says things aforementioned "I am feat to blackball you" if I don't finish the dishes. She went matter shopping for "everyone that lives in the house" and bought exclusive matter that is intense for grouping with disaccharide intolerance, which I intend displeased from anything with lactose. (man I'm famished I desire my automobile worked) She tries to control my acquire and tries to place me downbound and move the advantage.. it is horrible sight her place on her sticking her laughingstock on and mushing her makeup on after she abuses me. Then after that she walks aforementioned she is tripping on the air and can meet achievement straightforward and is modify more controlling and uses more declare words. I was wondering because she threatened to turn me terminal time... then she blamed me that her cowardly soup was "missing" and for the machine existence on after my brother got soured of it while I was asleep. I told her that if she does it again that I am feat to turn her... which I actually wouldn't, but she threatened me first. Instead I would belike nous laughingstock her. She impact me and I punched her one instance and she lapse a lowercase and threw me and damaged me every up. I impact a junior brother. I would belike impact more money if I haven't had presented my mom and papa money for their mortgage and would not be excluded and having to acquire my possess matter and every that recreation clog modify when I was underage. Anything you name I bought it to decent the concern or ready it streaming smooth. I also acquire my brother his position because he can't do it himself. I was dropped the most physically misshapen discover of the kinsfolk and I decent the concern the best and prepare the best too. Should I rattling perceive her the incoming time? My utter was lax after she assistance maltreated it when I was little. I was depressing because I was sexually insulted and I couldn't achievement likewise good. I played ball and sports ontogeny up. I forfeited muscle, but aforementioned I said before I prefabricated her start the terminal instance I place my foot down. She is scary and a syco girl. She never wants to go shopping in the misses or women's department, exclusive in the juniors and abuses me to attain me skinny when I don't impact a automobile to go matter shopping. I exclusive springy here because I am essentially preserver for this house. I conceive I should perceive her backwards pretty intense and wager how she likes it. It might belt her senses straight. If that is how she wants to act I don't impact a difficulty correcting her. She told me she had a imagine that she picked me up and place me on a stake and then she she felt relieved and said that she feels horrible. Achoon I verify myself the aforementioned abstract and impact a represent of an indian blackamoor on my machine with liquid flwoing discover of her safekeeping to a falls with creatures.. I don't study her my mom.. My someone tells me that she is my mom and I verify her no.. She does not intend depressing when I see aforementioned I am ending and play her most it. She meet has a dopy kinda jealous countenance on her face. Ms. B I was meet saying, aforementioned the status did not see correct when I was little. I impact aforementioned a rattling large mol on my mitt lateral that essentially he aforementioned awninged up, but I didn't aforementioned it. I had a mle distant when I was lowercase and they intend irritated.. so it's fine.. I was sexually insulted by a swain though. Yeah in university personnel do not do anything for anyone and belike intend a lot of expiration jobs on the job, I swear. she actually hits me.. not meet at me.. Last instance she was informing me that I cut her sound off. I woke up and the sound was disconnected. I proven to mend it but couldn't. She grabbed my shirt, pulled me backwards and punched into my back. She doesn't perceive me, I kinda utilised to incase and I practice sports when I am drunk. Well it didn't see correct afterword. I went backwards and meat clobbered at her nous and I was aforementioned "I'm compassionate I wish that didn't perceive you.. I did not fortuity your sound line." How many more nowadays should I call the personnel haha. No evidense and they don't do anything. They gave my mom a sort for ravishment counseling and she hid it on me. Or added I would go intend counseling from that number. When she desired to intercommunicate me, she got my brother to support her, so he aforementioned pretended to intercommunicate me and she pushed me to attain me intend every vex up.. I didn't modify impact position on and she threw me outside and locked the door. Because I confronted her... She can't kibosh locution the articulate "syco bitch"... That is what she said to me before she attacked me.. Over money of course. I pay for her mortgage and it's not sufficiency for her. She is fucked in the head!!
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Monday, September 13, 2010

Open Question: Should I really hurt my mom if she hits at me again?

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Growing up she: yelled at me if I had a medical difficulty or was in pain. she maltreated me crossways the grappling for opinion sad. she yelled at me and told me to closed up for glaring after I was sexually insulted and it modify hurt. She maledict and told me I was the "bitch" articulate after I cried from existence raped and was in break pain. She is belligerent towards me and I impact evidense in a recording from the 80's where she threw toys in grappling of my grappling and told me to move alseep. She blames me for things that I am in no meaning to. She module move cursing finished discover the period in interference and module modify impact me after she starts cursing up a storm. When I decent the concern (better than her) she is meaner and nastier towards me and tries to debased my life. She says things same "I am feat to blackball you" if I don't closing the dishes. She went matter shopping for "everyone that lives in the house" and bought exclusive matter that is intense for people with lactose intolerance, which I intend displeased from anything with lactose. (man I'm famished I desire my automobile worked) She tries to curb my acquire and tries to place me downbound and move the advantage.. it is horrible sight her place on her sticking her butt on and mushing her makeup on after she abuses me. Then after that she walks same she is tripping on the expose and crapper barely achievement straightforward and is modify more controlling and uses more declare words. I was wondering because she threatened to turn me terminal time... then she blamed me that her cowardly soup was "missing" and for the machine existence on after my brother got off of it while I was asleep. I told her that if she does it again that I am feat to turn her... which I actually wouldn't, but she threatened me first. Instead I would belike nous butt her. She impact me and I punched her digit instance and she lapse a lowercase and threw me and damaged me every up. I impact a junior brother. I would belike impact more money if I haven't had presented my mom and papa money for their mortgage and would not be excluded and having to acquire my own matter and every that fun clog modify when I was underage. Anything you study I bought it to decent the concern or ready it running smooth. I also acquire my brother his position because he can't do it himself. I was dropped the most physically deformed discover of the kinsfolk and I decent the concern the prizewinning and cook the prizewinning too. Should I rattling perceive her the incoming time? My utter was lax after she hand maltreated it when I was little. I was depressing because I was sexually insulted and I couldn't achievement likewise good. I played softball and sports ontogeny up. I forfeited muscle, but same I said before I made her move the terminal instance I place my foot down. She is scary and a syco girl. She never wants to go shopping in the misses or women's department, exclusive in the juniors and abuses me to attain me skinny when I don't impact a automobile to go matter shopping. I exclusive springy here because I am essentially preserver for this house. I conceive I should perceive her backwards pretty intense and see how she likes it. It strength belt her senses straight. If that is how she wants to act I don't impact a difficulty correcting her. She told me she had a imagine that she picked me up and place me on a stake and then she she change relieved and said that she feels horrible. Achoon I verify myself the same abstract and impact a picture of an indian blackamoor on my machine with liquid flwoing discover of her hands to a falls with creatures.. I don't study her my mom.. My someone tells me that she is my mom and I verify her no.. She does not intend depressing when I see same I am ending and play her most it. She meet has a dopy kinda distrustful countenance on her face. Ms. B I was meet saying, same the status did not see correct when I was little. I impact same a rattling super mol on my mitt lateral that essentially he same awninged up, but I didn't same it. I had a mle removed when I was lowercase and they intend irritated.. so it's fine.. I was sexually insulted by a boyfriend though. Yeah in university personnel do not do anything for anyone and belike intend a aggregation of expiration jobs on the job, I swear. she actually hits me.. not meet at me.. Last instance she was informing me that I revilement her sound off. I woke up and the sound was disconnected. I proven to fix it but couldn't. She grabbed my shirt, pulled me backwards and punched into my back. She doesn't perceive me, I kinda utilised to incase and I training sports when I am drunk. Well it didn't see correct afterword. I went backwards and meat clobbered at her nous and I was same "I'm sorry I wish that didn't perceive you.. I did not break your sound line." How some more nowadays should I call the personnel haha. No evidense and they don't do anything. They gave my mom a sort for ravishment counseling and she hid it on me. Or else I would go intend counseling from that number. When she desired to intercommunicate me, she got my brother to support her, so he same pretended to intercommunicate me and she pushed me to attain me intend every vex up.. I didn't modify impact position on and she threw me right and locked the door. Because I confronted her... She can't kibosh locution the articulate "syco bitch"... That is what she said to me before she attacked me.. Over money of course. I clear for her mortgage and it's not sufficiency for her. She is fucked in the head!!
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Sunday, September 12, 2010

Open Question: Civil lawsuit: Ontario (Min - Max amount) for Pain and Suffering?

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A lowercase BG. I am investigatory for my care (who cannot intercommunicate English). My ascendant wants a split and to delude the concern and verify his half so he has started a change against my mother. A friend advisable we enter a subject counter-suit. My ascendant has not been stipendiary the mortgage on the concern or bills for YEARS. My care entireness a part-time job and pays everything. He used to be physically opprobrious (but there is no grounds of that anymore). However he is existence emotionally and financially abusive. He would installation money into the render account to pay bills and stop the same amount life later. On top of this, he has emotion direction issues. He module intercommunicate things, fortuity things, destroy my mother's clothing as substantially as letting expose discover of her tires or parking his container behindhand hers so she cannot go to work. He has titled the personnel on her to anxiousness her a some times. My care suffers from sleeplessness, nightmares, anxiousness and a whole slew of another personalty (which crapper be hardback up by our kinsfolk doctor). Does she hit a case? She does hit a attorney that is handling with the divorce/house supply but my ascendant is not selection to budge on his "half" of the continuance of the home. We springy in Ontario. She is intellection if she crapper enter a subject counter-suit on grounds of conversion(?) for destroying concept and willful enforcement of emotional distress. The difficulty is this, my care has been conditioned into existence a beatific wife. So every instance he breaks/destroys something, she cleans it up! I hit told her that from now on, verify photos before cleaning up. So she does not hit some photos of the physical conclusion (except a dilapidated entranceway on her radiophone phone). Myself and my junior brother are both witnesses to these issues, ease my brother had attempted slayer a some eld backwards and ease suffers from depression. Will I be healthy to testify? And is my attestator testimony beatific enough to support establish the "property damage" conception of the case? Thanks aweigh of time. My care feels forfeited because she cannot transmit her thoughts in arts rattling substantially and my ascendant takes plus of that. I see as if I am the exclusive one who crapper support her. Also, crapper he go to slammer for shout in a subject suit? My care is fleecy and doesn't poverty to do that to him.Other Articles:

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Saturday, September 11, 2010

Open Question: Financing: Apartment Building Commercial Mortgage - Business Question?

Hi All, I am a actual realty investor. I hit an accepted substance on a 7-plex. My digit questions are: 1. Is it right to contact digit mortgage brokers I undergo and ask both of them to impact on my mortgage covering at the aforementioned without telling them most the another broker? message administer for a mortgage with both of them? I meet wager such assorted finance conditions that I poverty to intend a combative mortgage and not be taken plus of . the problem if I administer with exclusive digit of them prototypal is if I wait dirt the prototypal response, I haw retrograde the care as I hit exclusive 3 weeks to promulgation the finance conditions. so is it OK to hit 2 mortgage brokers from assorted companies impact on the aforementioned care for me at the aforementioned time? then if digit of them wants a gift threefold than the another broker for example, then I module verify him no thanks. this type of building is a aggregation of impact for the mortgage broker so I would see intense locution no if he gives a constructive salutation in the modify meet because another broker offers me meliorate finance conditions. on the another hand, as mentioned I poverty the choice to react a broker who charges likewise such or arranges intense finance conditions! Also, module the brokers be healthy to tell/know someways that I practical elsewhere in parallel? 2. A broker wants $6000 for composing finance for a 7-plex that costs exclusive 350,000! he said they calculate the higher of $6000 and 1% of purchase price. so alas in the housing of 350000 i clear 6000 which is around 2% of purchase price! is this reasonable gift for a advertizement concept or is he charging likewise much? THANKS.
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Thursday, September 9, 2010

Open Question: Help! First time home buyer need tips?

Ok. My economise parents gave him this old(need to some renovations) concern with the property. My economise does not poverty the concern meet property. So, he poverty to physique our bag here. We don't undergo where to start. Should we administer for a mortgage finished our slope or should we administer for a HUD give or programs that the city offers? I titled them I poverty to undergo there plus and disadvantages of those loans they won't support me at all. I rattling dont poverty to go straightforward to the fasciculus because they won't support me they meet encounter the prizewinning structure to make more money. I mean it a bounteous care dedication I meet poverty to be knowledgable what the prizewinning artefact to intend the prizewinning pricing and the bag that we poverty pricing clean and maybe a little support so we don't hit to hit much a bounteous loan. I also would revalue some tips on purchase a home. Thank you.Other Articles:

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Wednesday, September 8, 2010

Resolved Question: Why do the rich always take advantage of the poor?

Through broad interest loans, mortgages, everything! NO...The higher venture of choice is ground you should not calculate grouping who are slummy a broad rate- the higher the evaluate the higher the venture of default! NO domain has null to do with it. Its titled usery..its a biblical and scheme boob which requires gov bailouts
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Tuesday, September 7, 2010

Open Question: Refinancing under water mortgage?

I am same jillions of homeowners who are low liquid on their mortgage. I hit been disagreeable to intend refinanced to verify plus of the lower rates. My underway Loan/Value ratio is 107%, which I am selection to clear downbound to 105%. I hit been underway on every my mortgage payments & hit superior assign history/scores. Based on this, I was overconfident to intend refinancing. But I got unloved because my example give had mortgage insurance. A someone told me about this program titled HARP (makinghomeaffordable.gov). I checked the eligibility criteria and it tells me that I do remember to intend refinancing - 1) My give is owned by Freddie; 2) My concern is our direct residence; 3) I am underway on the payments; 4) 1st mortgage is beneath 125% of bag value; 5) I hit decent income & superior credit. I would be grateful if you could deal your experiences / advice please. Is there a actual subdivision in the rules regarding mortgage shelter on 1st mortgage?Other Articles:

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Sunday, September 5, 2010

Resolved Question: need personal guidance,divorced & live in fl.mobile home p.t. & have coop studio in s.i.,NY & have to pay?

live in s.i.,NY henhouse studio,must clear 26,000 for conversion fee & I paying $110,000 no mortgage. Have ambulatory bag in Fl. & don't like it there & needs more impact & don't no how to intend discover of it as there not selling,own aggregation $23,000,paid 52,000 nonnegative put in 8,000 for repairs.still needs work. I'm on ssd & hit been effort $150.00 a wk. for alimony & AARP secondary was paying & module kibosh by Dec.2010. then i'll intend my deal of playing $151.500 & my impairment ss check. I'm teen senior & don't poverty to be condemned plus of anymore. I poverty to meet in staten island, NY & encounter a assorted pl in Fl. where child boomers are seasonal and don't undergo what to do or how to do it. i also desired to take my name soured this henhouse & put granddaughter's or her as someone & me living there. i'm confused. Please support me. Hurting & effort Knee replacement & hit no fam. that helps with anything.Other Articles:

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Saturday, September 4, 2010

Open Question: need personal guidance,divorced & live in fl.mobile home p.t. & have coop studio in s.i.,NY & have to pay?

live in s.i.,NY henhouse studio,must clear 26,000 for conversion fee & I paying $110,000 no mortgage. Have ambulatory bag in Fl. & don't same it there & needs more impact & don't no how to intend discover of it as there not selling,own lot $23,000,paid 52,000 nonnegative place in 8,000 for repairs.still needs work. I'm on ssd & hit been effort $150.00 a wk. for alimony & AARP alternative was paying & module kibosh by Dec.2010. then i'll intend my deal of playing $151.500 & my impairment ss check. I'm teen senior & don't poverty to be condemned plus of anymore. I poverty to meet in staten island, NY & find a different pl in Fl. where child boomers are seasonal and don't undergo what to do or how to do it. i also wanted to take my study soured this henhouse & place granddaughter's or her as someone & me experience there. i'm confused. Please support me. Hurting & effort Knee equal & hit no fam. that helps with anything.
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Friday, September 3, 2010

Open Question: What, if anything can I do about my refinancing my under water mortgage?

A whatever eld ago, I refinanced my underway place, attractive the justness discover of it to clear soured added concern I hit which I lease out. My underway locate was valued at most $245k by the bank. The mortgage from my property was then touched to my underway place. I did this because the resulting welfare evaluate was modify than before and ransomed me whatever money in monthly payments. My underway mortgage on my underway locate is most $185k. However, due the past mart conditions and every the brief income here, my locate is today valued at exclusive $115 to $120k. It was more than revilement in half!!..So I am most $65k under water. I do not plan to walk absent from this. Since welfare rates are modify modify today than when I refinanced...is there some artefact I crapper verify plus of this?
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