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I don't have a magic solution for you but I would be happy to help you find a real one!

posted on Jul 4, 2005 (modified on Dec 3, 2006)

Hi guys,

Flicking through your posts, I can see that most of you are going through financial difficulties of some sort. Many people say that they need money but somehow they seem to expect a miracle – someone to give them what they need just because they are nice. It sounds wonderful but it doesn’t happen very often, as we all know. In most cases everyone must sort out the problems himself.  I am sure you are doing your best trying to find a grant, if possible, or get social security benefits, which is not always easy, but there are other options too. I am a loan officer myself and I would be happy to help you with some free advice. It might help you out or at least I might be able to give you useful information.

As a general rule, if you are in too much debt, bankruptcy might be a good way out. (But don’t do it if you don’t HAVE to!)  It doesn’t do as much harm as most people believe in a long term and it is a way of getting back on track faster. What would you say if I told you that a person who had bankruptcy discharged 3 months ago has a credit score of 566? Or that there are programs that would give you  100% mortgage loan one day out of bankruptcy. Please don’t get me wrong! I am not trying to convince you that bankruptcy is a good think. I would compare it to having a surgery – you don’t do it if you have another option.
Just a piece of advice: do your homework first. I have seen lawyers who would easily charge you a few thousand dollars and do just about nothing.

Another sensitive issue is credit history and credit scores. Many people believe that their scores are too low to get a loan. In reality, there are programs for almost every situation. Keep in mind that you CAN and HAVE TO: (1) make sure your credit report is correct at all times and (2) sometimes there are errors in the report and you need to take steps fix them. There are thinks you can do that will improve your credit scores and the good news is - you can do it yourself. You don’t have to pay someone $3,000 or more for a “magic” credit history repair.

Please let me know if you find my notes useful and feel free to ask questions.
I would be happy if I can help.

 

Categories: Las Vegas, Nevada, bankruptcy, debt management, financial advice, home loan, Loan Officer, mortgage loans, refinance
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oma39051
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13. oma39051 posted on Oct 16, 2006

I understand we all have to help our selves, that is the goal most of us have. But ocassionally we find our selves in posistions we never expected. I work full time, and extra days if possible. My 22 yr. old daughter is in her last semester of nursing school. She is a member of the Mississippi Army National Guard and served a year in Iraq. If she had not gone to serve her country her schooling would be complete now and she would be working. College is paid for, but there are everyday expenses that are not covered. This being her forth and hardest semester a job (we live in a rural area of Mississippi and not many avaliable) that meets her schedule and needs has not been found. My 18 yr. old grand daughter lives with me also. She is now four months with child and the part-time job she has barely coveres her gas expense to and from work. I have been frugel with our monies, but each month I have seemed to get farther and farther behind with the necessary bills a house hold has. Some weeks I have had to choose to purchase food instead of paying the utilities on time. This month I will not be able to pay the necessities it takes to run a home, pay utilities, car insurance and have gas money for my daughter to travel the 50 mile round trip to college. I realize this is a temporary situation as my daughter will finish nursing the middle of Dec. and in the job market. But what am I to do between now and then to provide for my family? I never thought at the age of 52 I would be living below poverty level and struggling to provide for my family. There just is not enough resourses to cover our basic needs for the next two months. Is there anyone out there that can give me advice or finantial assistance for the next two months. Public assistance is not an option because of the ages of the kids. Just two months of assistance for us would get us to a place we would be totally self sufficient again. HELP A FAMILY WHO IS TRYING TO HELP THEM SELVES.

Barbie
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12. Barbie posted on Oct 13, 2006

I post a message about my situation with son's father, granted money would help my situation, but I'm am looking for other women who are going through the same mess I am going through. I am not look for a benefactor, I am trying to put out a message that just because a man who decided to leave his child seven year ago because he didn't want to be a father, should not waltz into court and thinks he is doing some to benefit a child he has wronged. He only went back into court to try to reduce his child support, and make me pay for "ruining his life!" So, for those of you who think I'm trying to get a free buck out of someone think again... Yes, I am very angry, angry at the fact that our court system can't see what a few men are using the system, while there are good men who aren't getting their right met. So, if you think I hate men... think again... I want help by hearing experiences of other women who are going through the injustice of family court...

Barbie
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11. Barbie posted on Oct 13, 2006

I am a 47 year old single mom of two, I am on disability, trying to finish college. What my problem is, my sons father after seven came back into his life. He lives in Seattle, we live in LA. I'm not opposed to him visiting the boy here in LA, but not in Seattle. We went to court and now my son has to travel by himself in Seattle. He had the lawyer, I did not... to make a very long story short how can I stop this? My son does not want to go. This man is a stranger. The court did give my son feelings any consideration. I there anyone out there who can give me a help? If I don't put my son these trips I will be in contempt of court.

ADILIMAM
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10. ADILIMAM posted on Oct 13, 2006

please help my soon

kiki
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9. kiki posted on Aug 15, 2006

am grand it look you know whow people have hard time looking for money but every body must work hard to get it.but do you know that some of us is money and sorport we luck for only to get what we wont

W H O ~ K N E W posted on Aug 13, 2006... deleted on Aug 13, 2006 by W H O ~ K N E W

Abinns2
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7. Abinns2 posted on Aug 13, 2006

I'm a new student and i don't have any established credit, and i am unable to get a reliable co-signer to get a non-credit based loan for school and personal expenses, i also have a chex systems block on my name preventing me from getting a bank account cause of a joint account with me on as a minor, is there anyway of getting any assiantace with these problems cause i'm really in a pickle.

margiea posted on Aug 13, 2006... deleted on Aug 13, 2006 by margiea

margiea posted on Aug 13, 2006... deleted on Aug 13, 2006 by margiea

margiea
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4. margiea posted on Aug 13, 2006

hi Lulu, i really could us your help with getting a loan, i have never got a lone befor, , I need to borrow money for a lawyer, and i hurt my back at work and i have bipoler and so does my son, but i have worked with hospice, for the last three years, i have been a cna for 31 yrs, and it really hurts when you don,t have eny money coming in I get SSI $600 amoth, but thats all i have, my son girlfrien got preagent he is 17 and she is 19, and the court order child support, and my son can,t pay it so i have to and the court will not let us see the babys no DNA test was done. i really need a lawyer, i live in GA, my credits no good, i am a singel mom, P/s i love your flowers

Peace, love, and strength
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3. Peace, love, and strength posted on Jul 31, 2006

You are very welcome Lulu. If I can be of any assistance to you if you need rental or mortgage emergency assistance, please let me know. I will help as much as possible. Just pray girl, you are not by yourself!

Peace, love, and strength posted on Jul 31, 2006... deleted on Jul 31, 2006 by Lulu

singlemamma
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1. singlemamma posted on Jul 31, 2006

I completley agree with you... I am NOT looking for a miracle solution..... I think that if enough people read my post and send prayers and good thoughts my way, i feel that would give me enough faith to jumpstart myself.... you know what i mean? anyway i am glad that you posted helpful hints. think that is all some people need. Thanks Megan

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twnpapa
Here since: Jan 22, 2007
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Disabled/Quadraplegic Help my wife with Med. Billing
My family is my job, I love my kids!
Gardnerville, Nevada, USA
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I was paralyzed from the chest down in 1996, auto. Accident. It was while doing a mileage check to bid a job for Nye County. It was also on my own time, I really wanted to get the contract, as it wo...see full post
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