Help Debts

Posts Tagged ‘apartment’

My ex husband is moving out next month and even with child support, I will not be able to afford our family home, an apartment, and not many of the bills. Do you have to be dilinquent on your debts to be considered for bankruptcy?

I have a previous apartment debt from 4 years ago. After it is paid off and resolved on my credit report, will I be likely to rent another apartment in the future without any problems?

ok, this is a little long, so please bear with me. i WILL read all the answers, and i need as much GOOD honest advice as i can get.

im 23 and i find myself at a cross roads in my life.

path number one keeps me here in wisconsin. ive lived here 20 of my 23 years, in the same house that i am currantly living in. i have a full time job which isnt the best, but it pays the bills for now. here is where the problem starts. i have a fiance. ive known him since second grade, we have been dating for four years, and engaged for three of them. of those four years, he has been unemployed for two of them. i am at work all day, so i honestly dont know for certain how he spends his time. i ask him and he says he looks for jobs, and he has gotten interviews, so i am inclined to trust him. but then nothing else is done around the house. as far as i can tell he spends a few hours looking for a job, then plays video games all day. our money situation isnt the greatest. if we had even one more bill to pay, it would break us. we cant afford to move out of my parents basement, and we have had to put the wedding off twice. he is a nice enough guy, and has all the typical good boyfriend qualities, but his lack of ambition is getting to me, like, A LOT. i dont want to stay if its just going to be like this for ANOTHER two years. im seriously loosing all hope that it will ever get better. it has all but killed our sex life, and i, sadly, find myself feeling unapreciated and overwhelmed with the fact that i might not have an apartment or a wedding for ages.

option number two is save what money i can in about six months, end it with him, and start from scratch in california. i have people i know and trust who would let me live rent free as long as i helped with cooking and cleaning (which i am absolutely fine with, ill clean that place top to bottom daily if they are going to be that generous) i have almost all of MY bills paid off (all i have left that is just MINE is my laptop), so i would be going out there debt free. im not going out there to do anything crazy like be an actress or a model, id be content sitting at a counter in a hotel or something. plus the general change of scenery would be nice. ive been to the part of cali id be staying in before, i love the mountains, they make me feel happy and peaceful.

how do i even begin to decide if its worth staying? i love my fiance but each day he goes without a job i love him a little less. how much longer should i wait?
when i say id be happy working at a hotel, i mean that i could do it to pay for my phone and stuff while i looked for something more serious.

also, i do know the economy is crap, but he has coworkers who got laid off at the same time as him, and most of them have new jobs now, and have had them for some time
and no, i do NOT live above my means. if we dont need it, we dont have it. i clip coupons religiously, we only eat out when we have ZERO other options, and the last time i bought myself new clothes was last year sometime when i needed long sleeve shirts because my office is so damn cold

I was planning on applying for an apartment this month and if I was denied I was going to offer 3 months rent plus a deposit.. I started thinking if I just paid off the 2 negative items and gave it a few months that way it can update to all 3 bureaus as paid could it slightly increase my chances ?

We started dating, things are heating up! She makes more money than I do, I live in apartment, debt free, she lives in a house, has a mortage, car payment and cc debt of 20k! she can barely afford her cost of living expenses, and have money to go out and enjoy life. i offer for her to live with me and everything is paid for. she just has to focus on debt and getting rid of it. rebuild together and start living life again. she does not want to sell her house or car, and she states how could i understand because i make 35k a yr and she makes 50k a yr, throwing it in my face to shut me up. but she is the need it now type and i am the save up and wait type. any advice is good advice!! i love and care for her, but it seems that there is no compromise. thank you for your time and god bless.

I’ve been with my boyfriend for a month now. He’s amazing, simply put. I’ve never met a guy with such respect towards their girlfriend and maturity in general. Not to mention, he’s financially stable (very much so) and he’s absolutely CRAZY about me. Which is a complete mutual feeling. It’s like.. I love the kid, but I don’t know what sort of love it is.

Anyways, point being.. I might have to leave the state soon (nine hundred plus miles away, actually) and I really don’t want to lose him. My only other option is to get an apartment with him in a month or so. He asked me to do it. It’s not like I asked or made him offer or anything. It was completely his idea.

I’ve lived with a boyfriend before. But my ex was different. His world revolved around pot, world of warcraft, and his dick. All of which eventually left me in debt due to the fact that he had a parch driving job making like.. seven dollars an hour? Damn mooch. Anyways.. this is pretty much the first boyfriend that I’ve EVER had respect me and treat me so great. And I think that he feels the same way. I mean.. we live in Florida, it’s hard to find a girlfriend for very long down here, I assume.

Anyways, question being.. given the situation, is it a bad idea? I really think I might love this guy. And I don’t love easily.
I apologize if this is jumbled. I’m just really frustrated. Any questions, feel free to ask.
PS, I’m twenty, he’s twenty-three. We’re both in this relationship to be in a serious relationship. We’re not just stupid about it. I’m his best relationship and he’s mine.

I don’t know what to do.
I live in the midwest, and I feel as though I have to go out of state. no questions asked about that.

My first choice includes going out of state to one of the seven colleges that I’ve been accepted to. I don’t know which one though, yet, because fin aid packages haven’t come back yet. But, let’s just say for now I would go to Chicago for school, because that’s the cheapest out of state so far. However, I would incur approx. 15k in debt each year, at least. ..and I would be in a long distance relationship with my bf.

My next choice involves going to community college. BUT because doing this would be abandoning a dream that I have had since 5th grade, I feel the only compensation is going exactly where I want: LA. Part of the reason I want to go here is because its warm, beautiful, etc. Also, it would be cheaper as a CC (almost free), but I would have to get an apartment or something. After a short amount of time I would transfer to a 4 year. I also have a boyfriend who lives there, so that would be a major plus, financially and emotionally.

Finally, I can stay in my home state and still incur debt, but not as much. Perhaps 10k a year. Also, I would throwing aside my NEED to leave this wretched place..that is entirely too daunting to consider.

What do I do? I feel as though everyone I talk to has their own motives for which one they want me to choose or not choose. I am so confused and I’m getting depressed about this entire issue..I’ve been dreaming of college for so long and now it has turned into a terrible terrible mess that I’m having trouble dealing with.
HELP. any helpful advice would be appreciated..

I apologize this is going to be a long one.
Past May I lost my job and was not able to get unemployment. I abandoned my apartment since I was very honest and informed my landlord I don’t think they ever filed anything against me, haven’t seen anything on my credit report yet. Anyways I was well off in my job, had 4 credit cards, a car loan and a loan for my furniture set. All of these had never had a late payment, my credit score was at 720 something. Obviously afterwards everything except my car loan is now at least 180 days overdue, all but 2 of the cards are in collections. About ,000 in debt and I owe my dad ,000. I owe my dad ,000 because he drove out and helped me move back across country with all of my stuff since I had no place to live. Well, I took a phlebotomy class and after 3 months of applying the only place that was offering me a job was back in my original state so I packed my car up and I am living rent free with my long time boyfriend who I had moved away from… I hope that wasn’t confusing. So I’m out where I began, all of my furniture that I owe 00 on is 1000 miles away. I’m only making 00 a month. I have 00 in credit card debt. I’m trying to pay off this debt and I’m wondering the best way to go about this while keeping my credit score in mind. Since May it has dropped down to 516. I’ve thought about filing for bankruptcy but I think that would be a bigger scar on my credit. Also I think it’s a moral issue, I made this debt and it’s my responsibility. I’ve thought about trading in or selling my car, but even if I did I’d still be paying on it since it would resell for so much less. I’ve also thought about selling my furniture but I don’t think I would get that much money from it. It’s all in my parents basement not getting any use and I’d love to have it out here but from what I’ve found it costs a lot of money to transport it across the country. So does anyone have any advice?
The credit cards were cut up as soon as I lost my job, all of my extra money is going towards the debt. I am not spending on anything extra at all.

So I love my family to death, not just my mom but my aunts, uncles, grandma, etc. When I first came to move here, I stood with my aunt for a couple of years. Then, I found a job, an apartment and I moved out. When I moved out, my cousin wanted to live with me. I agreed and she has been living with me rent free. I pay rent, luckily all utilities are included and I have a good job. But it seems weird that I have debt even though I don’t have kids, don’t own credit cards and my bank account is always at zero. Well, fine, I was young and me and my cousin, we just wanted to party. It was fun! But now, I am getting closer to my 30’s and I sit back and try to figure out, What do I have to show for all the money that I made working? Absolutely nothing but a mountain of debt! I want to get back on track and figured I can pay off my hospital bills (lol, yes we went that wild. Nothing life threatening, but broken bones and muscles), pay off old phone bills, and back rent that I owe but it seems like, no matter how hard I try, when I get paid, it seems to disappear the same day I get paid. My cousin, she is past her thirties. I tried finding her a job but she keeps complaining that she doesn’t want to do cleaning or work nights. But beggars’ can’t be choosers right? I mean, she doesn’t have her HS diploma, she doesn’t have kids to worry about, and she can easily get a cleaning job, no matter what time, and still work and make money. This would help me financially as sometimes, during the week we have nothing to eat until I get paid again. And then, when I get paid and offer to buy some groceries, she convinces me to eat out again. So I keep falling for her constant “Let’s go do this and that…” I know I am a big girl and should know better, and it seems like so much fun but I think its time for me to get financially savvy as I someday wish to have kids and find my soul mate. I don’t want to be a financial mess then but in order to catch up to my debt (in which in all reality, some of my debt was actually done by her especially getting cell phones and not paying the bill.) and although its family, I don’t think its fair that I have to climb this mountain alone. I think its time for me to take a stance or better yet, take control. Can someone offer some good advice on how I can take back my financial control as well as learn to not fall for the fun stuff that always leaves me broke? What can I say to my cousin when she keeps me wasting money? How can I kindly explain to her that I can’t afford to buy her new things for her car, clothes and give her spare money to waste? Yea, that’s another thing. Between her mother and I, every time we get paid, she gets an allowance. Are we enabling her? Oh, and something else, for some reason, she doesnt want guys talking to me, hanging with me or even calling me. Like I try to date, and she scares them away. I cant have friends over because she doesnt have friends and dont like my friends… I am stuck!

A debt collector sent me a letter asking for 0 for a broken contract from a satellite company. The debt collector says that I broke a contract with the creditor when i cancelled my Direct tv account. The reason being that they installed the satellite free of charge because of a direct tv promotion which gave me free installation. Now this satellite company is wanting me to pay for the installation fee. I wasnt at my apartment at the time of installation so the company left the contract stating this fee would be charged to me if a cancellation in contract occurred. I have the contract and it is not signed by me. I was wondering what i should do during this 30 day window? I guess i should send a letter asking for verification? How can i verify the account #? Any Advice would be appreciated.