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bad credit buying a home

Credit the recession for staycations and bringing us more game-night parties at home. But also give it a shout for spurring more first dates. Economic woes, it seems, unleash something practically primal in many of us who find ourselves without a ...

Misery Loves Company? U.S. Dating on Rise Amid Recession - Myfoxorl and O

CHICAGO (AP) - Credit the recession for stay-at-home vacations and bringing us more game-night parties at home. But also give it a shout for spurring more first dates. Economic woes, it seems, unleash something practically primal in many of us who ...

Downturn dating: Hearts flutter as markets stutter - PR Inside

IN: Budget brings good, bad news for state schools Indianas lawmakers passed a $27.8 billion two-year budget Tuesday that supporters touted as a triumph in a recession but critics said came at the expense of students in urban and rural districts. CT ...

Financial crisis torments states - Stateline

Misery needs company and more right now - Inside Bay Area

The idea of using the equity in your home for cash got a bad rap after lenders extended risky home equity credit lines during the housing market boom. A good portion of this financing collapsed. But an HECM reverse mortgage is different. In fact, the ...

Should you get a federally insured reverse mortgage? - Inland Valley Daily Bulletin

Wooed by historically low housing prices, tax incentives and enticing interest rates, people once again are flirting with buying a home. Whether they're first-time purchasers, second-home buyers or investors, the housing market's slide can have an ...

Shopping for a home? It's prime season for house hunting - Hattiesburg American

MIDDLETOWN — There were times when Casey Daubenmire — afraid to leave her Middletown rental — daydreamed about buying a house with her husband. “At the time,” Bill Daubenmire said, homeownership “was only a pipe dream.” But Casey, the ...

Couple gets out of debt, realizes dream of homeownership - Middletown Journal

Much has changed in the world of real estate over the past 18 months. There are new tax credits, tax deductions and tax laws relating to short sales and foreclosures. There are new rules relating to appraisals, mortgages and home-equity loans. And ...

In changing real estate market, bank on these four constants - Chicago Tribune

Michael B. Bennett used to own his home in Chesapeake, Va. Now he rents it, which is taking some getting used to. There are advantages. “If something goes bad — the hot water heater or the air conditioner — the people that own the house pay for ...

From owner to renter: Transition can be tough - The State

DURING his three years as premier, the sun did not often shine on Rodney MacDonald. His tenure generated more bad press than good, and it seemed as though he was always dwarfed in stature — either by his stately predecessor John Hamm, his noisy ...

Open Question: Should i buy or rent?

I am getting married in September as well as starting a 2 year program at a CC. I have excellent credit 770 my fiance has 604. We were pre approved for 199,000 for an FHA loan at 5 1/2 percent just because we are both working full time right now. I will be quitting my full time job at the end of august to focus on school but will get a part time job on weekends. My question is since homes/condos are selling for so low with the economy being so bad should we buy or rent?? At most we plan to stay at the house for at least 3-5 years. But with buying comes including taxes, hoa fees, cdd fees?? ughh don't know what to do. I just feel like we might miss out if we dont' buy now. The economy may boom again after five years and we'll look back regreting we didn't buy a home. more

Resolved Question: Please somebody, just read and give me your opinion?

About a year ago I moved out of my mom's house when I was 19. Here's why, she allows my 15 year old sister to do whatever the hell she wants and get away with murder. It drove me crazy. So I moved out. My mom stopped calling me. I stayed with my 46 year old boyfriend for a while but he was so controlling and a definite neat freak. I mean leave something out of place and an argument would break loose. On top of that as old as he is I still had to work like 60hrs a week ( the job itself was awesome though). But during that time we grew together we bought a car, move into a nice apartment, bought a plasma tv and lots of other furntiure. At 20, I got accepted into nursing school. My mom started calling me again. She convinced me to quit my awesome job and I moved back in. But the same damn situation is going on and now its even worse my sister's on the phone until 4am in the morning with her different men, and on top of that she allows her men in the house all times of the night or in the day if I go upstairs to take a nap, and she allows her female friends to come into our home when no ones home even after me and my mom have learned that her friend came into the house and stole my mom's greencard, Driver's license, credit cards (her whole wallet). She even called CPS on my mom! In brief, no matter what this girl does my mom easily lets her off the hook. Also, my mom refuses to let me spend the night with my boyfriend, so when I want to spend the night with him I just go without warning this is another thing that is ruining the relationship between us. So my question for you'll is: Should I just move back in with my boyfriend. Should I just bare the situation and stay with my mom. Or should I find a job and move out on my own Also, I am no longer in that nursing program between the stress of my sister and boyfriend I failed out, but I do plan to get back into another one. Maybe even the one I was in if the Dean gives me the OK with the appeals process. more

Open Question: How can I get my games back from y twin sister andrea and also get my playstation 3 back as well?

I just let you guys know that andrea took away my playstation 3 hardware and all its games with it so all day I 'm sleeping in the heat hole and feeling depressed all day cause I got nothing else to do anyway so I'm really really bored right now . Andrea took it away from me because all the blockbuster and ebgames thing and I know I did a bad mistake For what i've did at ebgames with those blockbusters games and I'm really really extreme sorry about that mom and dad also andrea wants trade - in all the games she took away from me and get all the blockbusters games back with those games she locked away in her room . The games andrea took away are my games in the first place and I bought them with my own store credit or money so it is wrong of andrea took away my playstation 3 and all those guitar hero and rock band games and put them in her room and locked them away untill she goes to ebgames and get the all the blockbusters games back . So please tell andrea on e-mail or on the phone to give back all my guitar hero and rock band games and my playstation 3 hardware because I already learned my lesseon about for what i've done was wrong and I won't do it again and I thought about this for a ver long time and about time to let andrea know so does mel that I can have my playstation 3 back and all those games back she took away from me and giving me nothing to do at home and stay on the computer all day and gets more muscles spams and setting in the heat hole all day and thats the only two things I can do right now and I'm really bored right now cause she away my life and my games and my gaming hardware . Please tell her to give it back to me because I have the rights to have those games because I told you this before I bought them with my own money or store credit at ebgames and she has no rights took away from me and she thinks she can whatsoever wants with tose games but she can't you know why I tell you why because its legally mine and I own those games . okay heres an example why andrea can't trade - in those games to get all the blockbusters games back: What happens I take alex clark game for example god of war 2 and trade it in for a differant game but heres the catch the game belongs to alex because he has the rights to tell me I can trade it in for a differant game cause it is his game not mine so I can't trade it in for a differant game. Sameting what andrea is doing right now for a matter of fact . I want those games right now please tell about this okay and don't forget read and responds to this e-mail okay. the games and my playstation 3 are my property so she cannot trade in those games and now you where I'm going with this and they don't and they think they can whatever they with tose games they took away from afraid not I bought them and I have the rights and the property over those games so technically there mine so andrea has to give them back to me because I have the rules over those games of mine . more

Open Question: can i buy a home with bad credit?

Resolved Question: I have perfect credit but I'm near desperate?

I really need to get my family out of our home. It's in need of repair and I hate the area. We're all ready to buy a new house when we find one but can't do that until I get rid of the POS we have and I don't see it going away anytime soon. I talked to my mortgage company about possibly signing it over to them. They used a term "Deed of Lou" or something like that. I've never heard of it. They also said that it would show on my credit as a foreclosure. My credit is in awesome shape and I don't want to ruin it by doing something stupid like that. How bad do you think donig this would hurt my credit? Would it be worth doing to get my family in a better home to grow old in? okay, well scratch that idea. My house is just a piece of crap and in this economy, I owe more than what it's worth. I'm just impatient and really want my kids to have something better, like yesterday more

Voting Question: Me and my husband have 3 kids and bad credit of 564 & 548 we make less than $20,000 a year can we get a home?

I know it sounds absolutely ridiculous us trying to buy a home but we just need a 3 bedroom trailor if possible we can only afford a maximum of $400 a month for the place itself no one in my family has ever officially owned there own home and we are desperate to get out from under paying $350 a month rent for a home that we constantly have to be concerned over and will never own. :( i just want my kids to have a stable environment to grow up in.So if you know of any way whatsoever that this could be pulled off your advise is very much appreciated even negative advise. We have never had a credit card, bankrupcy, lien, or anything all of our debt is because of unpaid medical bills that hve gone to collecton more

Resolved Question: I have a Home loan question?

Ok I have several questions.... My first one is, Is it possible right now to get a home loan with (my husband) so so credit and (me) bad credit?? We just tried with one bank and were denied. It hurt so bad we haven't tried again. We have a 21 month old Son and we want to make our dreams come true with buying our first home. Putting money down is not going to be an issue. Our real-state agent said we just need 3% which we have that. I do not have a job I stay at home with my son and I don't understand why I also have to be on the home loan??? Can someone explain that? Our credit mistakes are in the past from when we were 18 and early 20's. My last question is I found my dream home... What are the chances of us getting into it?? What do we need to do? I don't want this house to slip away!! If anything can you pray for us. btw im not trying to get a job MY HUSBAND MAKES MORE THEN ENOUGH MONEY. I need to stay at home with my son. I want to raise him. more

Resolved Question: How will my very bad credit affect a lender's decision on a home loan?

Situation: Me, my wife and mother-in-law combining our salaries to apply for a home loan. My wife and mother-in-law have A+ credit. However my credit is horrible. We make good salaries where we can afford a home here in the Los Angeles area. They already gave us an estimate of what we can afford which is pretty good. However credit checks are pending until Monday. Will they deny us if my credit alone is bad or base it on all three of us? How does this work when three people are applying to buy a house? Please help! more

Resolved Question: How do I find a rental property in Portland, OR with a reasonable renter's agreement?

I am so frustrated. I am 25 years old, and I live with my parents due to the fact that I have Major Depression, Generalized Anxiety and Obsessive-Compulsive Disorder. Previously when I tried to move out, I was unmedicated and undiagnosed, and I had a breakdown and had to return home. Now I'm trying to figure out how the heck ANY average person ever finds an apartment in Portland. I am trying to move with my boyfriend. I have three indoor-only spayed cats. I have good credit, my boyfriend does not. I have no rental history, my boyfriend does. Neither of us have jobs, but between savings and my financial aid for school, we can afford an apartment in the $500-$650 bracket. Every single place I look at wants at least ONE of these things: A completely outrageous pet fee ($400 per pet, for example) and some even want pet RENT on top of it, again PER pet. A completely insane security deposit. Proof of monthly income three times greater than the rent. Even the income restricted housing requires at LEAST $1000 in start-up for various deposits. Because of either my boyfriend's bad credit, my lack of rental history, or our combined lack of job, everywhere at LEAST wants a cosigner. His mother is completely irresponsible and his father is dead. We were relying on my parents to cosign for us for our first lease. They are now refusing to do so because 'you need to build credit to buy a house.' They are willing to put a significant amount towards fees, but that doesn't matter if nowhere will rent to me in the first place. What is going on? How does anyone moving out for the first time find a place to live in this city? Am I just looking in all the wrong places? Help! more

Resolved Question: It's all really getting me down, can anyone help?

My whole family is going on holiday without me on monday for 2 weeks, along with neighbours and girlfriends. I'm the only one stuck at home just because I can't afford to go. Since leaving uni I have had to move back home & I hate not having all my friends around me all the time which is making things worse. I can't afford to go out with friends I have at home, I can't afford a car which makes everything more difficult. I'm still in love with my ex who won't have me back and there's no love life to speak of to take my mind off it. The whole thing is doing my head in, and my mum always goes on about the holiday and buys new clothes every other day for going away, she just got a brand new car today, and goes on at me to get a bf, it's frustrating, makes me feel worse. And all my brother does is complain about everything, he's doing well with his a-levels, he's got tons of friends, a lovely girlfriend who he's been with like 1 1/2 years, good car (which used to be mine), he's in a band, dad still gives him money all the time because he's still 17 (I'm 18), he has everything he could want. I know most of this will be solved when I get some money, and I'm trying so hard to get a job but with the whole credit crunch thing the way it is it's so difficult, and with no car it restricts me even more. All I do is spend my time looking for jobs that I'll get rejected from, and doing housework for my family to try & make a bit of money from them. It's pathetic. I thought I would just get a job pretty easily like I have before and it would all be okay, but it's just getting worse. I just want to know if there's anyway to make myself feel any better, I can't think of anything anymore I feel like I have nothing at all in my life. Yeah thanks but I'm not into the God thing, imagination isn't going to sort my life out. more

Resolved Question: Buying a for sale by owner with bad credit.?

So I've searched google and resolved questions and I can't find the answer I'm looking for. Long story short: My husband and I inquired about buying a home and the lady (realtor) that did the credit check and such said that we would have better luck buying a home sold by the owner. She said my husbands credit is "fair" and is 10 points below what it needs to be for her to assist us. I already know my credit wont help. It will take another year for it to be where I want it. We don't have any current "dings" It is all old stuff that we accumulated separately before we were married and we are working on fixing it now. I found a house that's a for sale by owner that is in our price range. She told me that I would work with my bank and they would help me take care of all of the financial stuff. The thing is we have already been told by one person that our credit is too low, but to go with a for sale by owner. How is this going to work with bad credit? It doesn't make sense to me. She (the realtor from b4) also told us that based on our income and bills that we were approved for 200k. We are actually looking for anything under 140k. The house we are looking into buying now is 130k. Should we wait another year until our credit is perfect or will we be able to get this home that's for sale by owner? I don't have a problem with waiting, but if we can get into a house now I'd rather stop paying my landlord $1000 a month for a little ass apartment when I can be in my own home with a pool for around the same amount. we would also be using the VA loan more

Voting Question: Not much income & crappy credit. Would I qualify to buy a HUD home?

I'm recently divorced & left my ex have everything, including our house. Big mistake! Now I'm renting a crappy little apartment for me & our kids, and I'd really like to buy a house for us. My income isn't very much, but I've been at my job for 3 1/2 years. And my credit is bad. Would I qualify for a HUD home? Or are there any other ways for a single mom on a low income to purchase a decent home? What do I need to do? I'm new to all this...please advise me. Thanks! more

Resolved Question: How do I force my ex to buy me out or sell our home. We are both on deed and I want my share of the house.?

We are both on the deed with right of survivorship. We are not married. We have a full accounting of each paying half the mortgage and we have made over $300,000 in equity even in this bad market. Without my permission the credit line was extended another $60k. I want out! I moved out over two years ago. more

Resolved Question: Question about second chance financing and returning a lemon.?

I purchased a 2001 acura cl with 107,000 miles for $9800 bucks. My apr is 21% (i know it is very high), I put $2000 down and my monthly payments are $377 bucks a month for 33 months. It's a jacked up deal but because my engine in my old car died, i HAD to get another car. I have a really high debt to income ratio and been behind on a couple credit cards for the last 3 months. So my credit score has dropped quite a bit. I had to do special financing. So the car i bought is garbage. I took it home the first day and it would not start again for about 10 mins. Then it started but did the same thing 2 days later. I had to have the car towed back to the dealership. I asked at that point to return the car because i was having a bad feeling about the future issues with the car. The said i couldnt return the car. The said the issue was i needed a new fuel injector or something. so the replaced it and sent me on my way. The car did the same thing 3 days later. They said it was the battery, so they replaced it and sent me on my way. Then it happened again a couple days later. They put the car in the shop for a week and called me to pick it up. I go to the svc dept to get the paperwork to see what was done and they told me they did nothing to the car because it started for them everytime they tried. So i take the car home and the next day, it did the same thing! I went back to the dealership today and they said they will sell me a 98 ford mustang with 59000 miles for $8000. The kelly blue book says the asking price should be $6200 from the dealership. i asked the sales manager and he told me that because it's "special financing" the second chance lender tacks on all these fees. Now my question is, if 8000 is the sale price, the lender dont see any of that money. The lender makes their profit from that high interest rate they are charging me, right. I just want to know if the dealership is feed me a load of crap or not. I would think the would bend over backwards for me after selling me a lemon that left me stranded four times. The car dont fall under the tx lemon law because its a used car and not under the original warranty. I'm told that if i try to give the car back, they will keep my $2000 deposit because they sent most of it to the state for title and taxes. I think they are not being truthful about most of the stuff they told me. I think they are doing everything they can to keep this deal. What should i do?? any advice would help! Thanks!! more

Resolved Question: My husband and I are trying to buy a home for the first time have bad credit and low income what should we do?

It seems like we are never going to be able to get a home loan! I have repaired my credit but my husband is the one with the job and has no credit! We want to buy the current place we have been renting from the last 4 years! Our Landlord have came to us first because they knew that we were interested in buying it! I just don't know what to do we are living in a 2 bedroom and there are four of use Me , MY husband, son and daughter we need a place and soon! more

Voting Question: I want to buy a house but I'm planning on re-selling it in 3 years. What kind should I get? (budget is <$200k)?

I work in Vista, CA (1390 Decision St.) and so I wish to stay within 10 miles of my work. I am a first-time buyer, and have good credit. I am pre-qualified for an FHA loan. I have worked at the same job for 1 year, 8 months, and make $47,000/year. It is likely that when my girlfriend finishes school in three years I/we will move on. Is a condo a bad idea? What should I avoid? What should I really go for? ...I'd like to get the worst condition home I can that meets FHA requirements, and then share it with a roommate or two. more

Resolved Question: buying a house bad credit?

I have bad credit and am looking to buy a house for 135000.The house I am looking at is an owner financed home on a 50 year loan The payments are 1300 a month x 12=15600 in a year x 50=780000 Wow! Would this be a good idea even if we refinanced later down the road? Any experts out there on a 50 year loan the pros and cons? Thanx more

Resolved Question: What should I do about my mortgage?

My husband & I bought a house 2 years ago. We bought a home at the top of the scale, meaning I had a set amount of what I wanted to spend on a house & didn't want to go over my set amount, the house is at the top of the set amount. I have recently lost my job(actively trying to find another one) & the bills are coming in fast. I feel like this house payment is too much for us now, we are always behind & can never get everything caught up. Houses are not selling around here, so I am sure that even if we did try to sell the house, we probably couldn't sell it anyways. I have talked to my mortgage company, Wells Fargo, & we are trying to do a loan modification... whatever that is?!? If we do dont get the modification from Wells Fargo are there any other options that I have? We cannot refinance because we haven't been in the house long enough, & I am sure we have bad credit now because we have been late so many times this year. Basically, I am wondering if anyone out there might know of any other options I might have besides selling the house or letting it go into foreclosure? more

Resolved Question: desperate: needs help with debt managment?

my husband and i are young and have been married close to ayear. hes in he army and i went to law school for a bachelors. ive been noticing that were not exactly making ends meet.... and i dont know what to do. we were ok untill he went out and got a car that is in the end costing us more to fix and in insure than it did to even buy it. and he had to have the new iphone so were stuck in some stupid contract. were stationed in germany to so the exchange rate is killing us. hes got debt up to his eye balls and i have student loans kicking in in aug. theres no jobs on base, and the one place i can work in the military defense office wont give me a job unless i volunteer for months first to 'show my dedication'. basically, we pay 300$ a month on two loans of his, 50$ on a credit card (late fees are mounting up the min payment is now 300$ a mo. and we cant afford that) 180$ in car insurance, 100$ on his phone, 50 euro for internet and call service to back home, about 50$ a month on another credit card of his that has like 600$ in debt, theres another credit card he says he lost a long time ago and had like 1000$ that we dont even pay on yet. and we have the life expenses as usual. his debt was all there before we even met, the only debt i have left is a 13000$ loan from school and we have NO savings cause he blew it on the car. what can we do? were fighting so much, i tried to talk to him about it because i feel with his iphone (which he says he cant get out of the contract cause than we pay the termination fee and 500 euro for the phone) and the money-hole car. its stressing me so bad and its taking a toll on our marriage where can i turn for help? also, i need something, if involving mailing, that i can do from an APO adress more

Resolved Question: I am a first-time home buyer with bad credit.?

I tried applying for a loan at the bank to buy a house and they refused me. I really want to take advantage of the first-time buyer 8k tax credit this year. I am always good with rent and always good with payments. My credit is refused usually because of insufficient funds and due to some black marks on it from the past. But as far as rental payments go I never miss one. Is there anything I can do, any programs I can go through to help first-time buyers with not so great credit? I live in Texas btw. more

Resolved Question: Can someone have verifiable good credit items added to their credit report on their own?

My husband and I started our marriage with bad credit and then things got worse when he lost his job 3 times in the first 3 years of our marriage. Times are pretty good for us right now and we are paying or have paid a large portion of our debt (mostly medical) off or down; however, we have had to over the years resort to "buy here pay here" car loans and other non-reporting lending sources where we paid on time and paid off. We have great credit with these places, but unfortnunately they are limited in the funds they will lend. We are stable enough now to purchase a home, but our credit is gunked up with all of the old "bad" stuff and we are getting no benefits from the good items. We have contacted the lenders to have them report these histories, but they are not willing to do so. Can we send proof of good payment histories (Ex: Receipts) to credit agencies and have them add these to our reports? Will it help if they are paid off and the accounts are closed? more

Resolved Question: is there a way to buy a home if you have bad credit?

Voting Question: My credit score?? Is it affected?

Ok, so I have two credit cards, one was a "student" credit card that didn't seem to collect interest, the other just a regular rewards card. One card was maxed the other almost maxed. I paid them mostly on time for the most part.. making the minimum payments most months and sometimes more than the minimum while i would slack off and forget to pay them other months and just not care. I did not understand what any of it meant until my parents explained. So basically.. I've had it happen twice where I got a phone call from the bank requesting me to pay. And I would after this obvious reminder. How badly is my credit score hurt?..... Over 1700-1800 dollars worth of debt carried for over a year... This week I paid them both off fully at once. Was this a bad idea? How do I fix most of this? I am a university student with no debt other than these 2 cards. My university tuition has been paid for in full and I've never needed a student loan or ever requested one. Next year I am thinking about having a student loan to raise my credit score? I have a cell bill that my parents pay every month on-time. I currently work part time... and am forever guaranteed my job (employed for the full year).. so in the winter time etc I can work whenever I have time off school. I make quite a bit of money and own my own vehicle fully paid for...and just pay rent yearly. Is it good now .. that i've fully paid them both off.. to use my credit cards to buy things then when I get home pay them off right away? will that help? more

Resolved Question: My credit score?? How badly is it affected!?

Voting Question: Buying first home questions.......?

My husband and I want to buy our first home. Our credit is not good due to alot of different reasons. I have thought about rent to own, and it so happens in the next 3-4 months we will have about 15k to put down on a home. If we were to buy points, will that helped us get approvel even with bad credit? With a 15k down payment and say 5k to buy 5 pts...will that be just like making a 20k down payment? Any help much appreciated. more

Voting Question: i need a plan to help with life?

i need some help. some good detailed ideas on what to do.. dont tell me oh get up and move or call cops. there is no easy quick solution to my problem, and the cops are not fairy godmothers especially not the nypd, nyc police. ok im a 25 yr old female living in a very large renovated house with a pool and housekeeper so i dont need to do housecleaning. i live in my parents house its their money, their home, their houekeeper etc.. i dont own much money i have about 200 dollars saved up in my bedroom other then that my parents do not support me financially, they just do not charge me rent to live in their large home and i get a bedroom of my own(with my old kids toys in it and pink walls, the same one i grew up in) anyways so thats a plus, i have a place to live free,a roof over my head and a large enough home to avoid any fights with parents. i stay to myself alot and avoid them and i dont need to do housework other then take care of my room, grocery shop over the phone, order supplies for the house, watch the house, call exterminators or the electric or gas company if theres a problem. i help over the phone since i cant walk well my parents dont really do anything either, they dont cook or clean the home, no one cooksw or eats togeather in my home.. they go out to eat or eat at my sisters home. they are always over at my sisters home daily...but im not welcome there, but they eat alot of their meals over there so they do not grocery shop. i am responsible for getting my own things by ordering household groceries for myself and them over the phone for delivery i was in college, working hard, a serious smart student, never drank or smoked, no drugs, no crazy college parties. i was the studious nice girl who wanted to get through the classes and work towards a career i didnt finish college because before i did i got into a bad accident and almost was dead, since then i can barely walk, for the last 3 years ive been bed ridden 50% of the time. i could not even stand up straight untill a month ago, i still have alot of trouble walking and bending and lifting stuff, and getting up and down steps, but i manage even tho i do everything very slow so im disabled and cannot work and i have severe pain daily, even if i move the pain is worse my parents have alot of money and they supported both of my older sisters fully financially at my age, they support my younger adult sisters.. so i dont see myself as a financial burden, since i dont askl for much just food,vitamins,toiletries,medication and some basic cheap discount clothing like t shirts, sneakers, skirt.. like wal mart, target priced things but they decided over a year ago to stop paying for clothing for me and medicine, so i had to struggle. my older sister who just got out of her residency as a doctor had to help and pay for clothing for me this year and a winter coat and shoes for me since my parents do not want to spend any money on me. my sisters only 30 and i feel guilty like its not her responsiblity since im not her daughter...i feel like my parents should be helping me, im not asking for alot, i dont have a car, i dont go on vacations or buy jewelery or things i dont need. i really dont need alot except for food,basic clothing and shoes,and toiletries.. just basic things to survive on my parents dont want to spend the money on me, so when i need something i sort of panic and feel embarrased about calling one of my sisters to help since they said its not their responsibility. again my older sisters were fully financially supported by my parents at my age.they paid for their homes, credit cards, car payment, multiple vacations every few months they took, jewelery, deisgner clothes and handbags im not even asking for any of that. i never owned more then 1 designer thing in my life and that was a handbag i got as a gift when i was younger i just want basic stuff.if i were to day fair is fair id ask for jewelery and a car and 10 designer handbags and expensive clothes etc...like my sisters have, but i dont i just want basic stuff anyhow so i have a big money problem because i need to know i have enough food and clothes.. my parents went through my room and tossed out all of my clothes. then they refused to give me any money to buy new stuff so they are stubborn.. my sister had to 3 months later finally pay for some stuff through the internet to mail to me after seeing me go 3 months wearing the same outfit every other day my parents are abusive, they lose their temper and have beaten me many times, they scream curse at and threaten me.. its uncalled for. i ignore them because im scared of them i have health problems, heart problems and other serious medical problems and i have trouble walking and chronic pains. i can barely get my but i manage on my own... using the bathroom, showering and dressing are hard but i manage and compromise and do things slowly i have trouble moving my arms a certain way like over my head alot of time which gets in the way of dressing they give me trouble and threaten me and they try to prevent me from eating, they dont like food to be sent to the house, so they dont let people send enough for me to eat. its not the money, they have a few million dollars saved. they have money to provide me with enough groceries to last a week and for me to eat 3 times a day but i have to compromise and eat 1 meal a day because they are stubborn and dont let people send enough food. i am the only one who orders groceries. they walk around complainiung they are hungry when they dont go to my sisters house but then again they dont let me order food when i try to.. they should not complain of hunger if they dont let me order groceries for the house its like they need attention..they are saying they are hungry and then they call all the stores and tell them not to deliver.. i dont know why they starve me but it isnt helping my health and if my health was well id be able to get a job and care for myself and live in my own my father beat me and broke my sternum a few years ago, i tried telling the cops a few times and they didnt believe me since its not my house and my father answered the door and he is loud and outspoken, and im a quit person but either way they didnt believe me...again this is nypd theres so many complaints against my local police precinct by the community, the cops here are bad and dont do their job my father got angry when i told him i want to go to college and get married and that i will recover first... he didnt like that i was seeing doctors or trying to have friends come over to bring me groceries or help me in other ways, like with mailing things..since i was homebound and could not walk without losing my balance.. so my father threatend me and went to court against me a few times meanwhile paying a lawyer thousands of dollars to go against me he went to court and lied of course, first he tried to have me commited to a mental ward for no reason, he made up a bunch of poorly thought out stories that didnt ad up and the judge saw right through him and dismissed it and i won, she saw he was a liar he then went 2 more times without me to court, i wasnt even served court papers. while i was bedridden he went to court to get an order of protection against me. i couldnt show up because i was stuck in bed. then he went to court to try to gain adult guardianship of me and i was bed then he went to court to try to gain adult guardianship of me and i was bedridden then also and he won against me so now he owns my money, and me and all the decisions, but he dosnt talk to me.. it was a different judge and a male judge this time anyhow everyone knows i dont qualify for adult guardianship. you need to be mentally ill,in a vegetetive state or mentally impaired, like not knowing what day it is or how to think.. like a downs syndrome person. so they assign a person to make money, life, personal, marriage and health decisions for you. you dont even get to write a will or sign up against organ donation or things. its usually for advanced alzheimers pateints whos kids want them in a nursing home now i have nothing mentally wrong with me and ive been told that by a psychologist. my parents know that they just want to get even with me(my father has narcisistic personality disorder and is a sociopath, so to him getting even at your 25 yr old sick daughter is normal) hes 65 by the way..almost 3 times my age\ everyone who knows him knows hes mentally ill and he abused 5 children(me and my siblings) they all do not like him, but they are scared of him so they kiss up to him and accept his money as adults. i was hoping id be in graduate school by now so i can start supporting myself i didnt know id end up with moblity trouble and find out i have heart problems and other medical problems anyhow so i need to find a way to get my parents to back off of me and let me take it easy while in their home.i need to have enough food, clothes, medicine, vitamins, and its all in their budget., they own millions and i cannot imagine it would cost that much.groceries like 400 a month, clothes 3 times a year. 5-600 dollars for a wardrobe,vitamins like 100 dollars a year, i want to sign up for disability checks so i can have money for food and to care for myself but my father threatened to take all the money and use it on himself. he also refuses to give me my id and ok well what to do? social services messed up my life a few times, i had bad run into with child protective service and adult protectice service, they made my life bad and took my parents side each time which ended me up in alot of trouble. so i want to avoid that path i also cannot afford a lawyer and every free law service turned me away. i tried legal aid and they dont handle such cases they told me the cops refuse to help... what can i do on my own tho any creative things i cant work, i have trouble walking and am homebound, i cannot leave my home. i also do not have the same right as a 25 yr old. if i do work my father gets the money he says if i leave he will call the cops, the cops will lock me away if he tells them to i know you said you have schitzophrenia and that does not stop a person from working.. i have medical problems, that does stop people from working.i need disability checks and i cant get them because my father will take them and he wont give me the documents i need yea really i am depressed about this, not mental depressed but just sad and stressed over the abuse and i cry because of it alot. only one of my sisters supports herself. the rest of them are supported by my father..im scared to be out on my own even tho i was trying to move away years ago before i got injured. i was ready when i was 18 and 21 but not now which is weird , maybe because im scared of my physical mobility and health problems and maybe because i became used to living at home... it became sort of a comfort for me that maybe im scared to go and be independant? part of me dosnt feel like a starting a life, not like this and disabled. id also need someone to come over and cook for me since i have trouble bending to use an oven or lifting pots. id also need someone to come over and clean the house and do laundry for me. since i have trouble with physical tasks i used to do. i lost alot of ambitions of mine, maybe i became depressed more

Resolved Question: What home Lender will help someone who has bad credit buy a house?

If so, Can you pay off ur debt after you take a loan out for a house who is a first time buyer and add it to your mortgage payment/loan? What lender will do that for you? more

Resolved Question: Should I have to pay for my exhusbands the medical bill when he don't even pay me my child support?

I'm not divorced from him yet but he done run off with a one legged Asian woman from Oklahoma, evidently, them one legged girls do things in the bedroom that two legged girls just can't. He left me with 9 children, rent on our spot at the trailer park, and this here medical bill from his hunting accident, He went hunting about 1 year ago, he blew off his own darn arm with his own darn gun, don't ask me how he did, just that he done did it. He's okay now cause we got him one of those super expensive plastic arms, you know the kind with the hook at the end. well we paid for it with our master card and I got to pay for that on top of the medical bills is there anyway I can just stop paying for it without it making my credit bad? i'm thinking about buying one them two story mobile homes, but I'm gonna need good credit to get one them more

Resolved Question: What home buying options do I have with bad credit and no money?

My fiance and I found the perfect house, in a perfect area, with the perfect price. It's spacious, which is great, since we have two kids and three dogs (one is a Dane). The house is 82k. My fiance makes 50k/year. I make whatever comes my way doing web design. Our credit scores are in the low 500's. We have no money saved up (this kind of showed up outta the blue). We go see the inside on Monday, and I already know I want this house. We can't get a bank loan, besides our credit, because the house is deemed unlivable. It has no heat (yet) and there is some electricity and carpentry that needs to be done. I have a handy family, so, to me, it doesn't sound like a big deal. However, I don't know on what grounds they are deeming it unlivable. If we go Monday, and it's a wreck upstairs (the downstairs is fine, from what we could see through the windows), we'll say no. If it is something my family can fix, then we'll say heck yeah! I'll live downstairs until the upstairs is done, for all I care. Now, here's the big problem. Like I said, crap credit and no money. My dad can't help, he has his own house and father to care for, my mother has no job, but has pristine credit. My step father has great credit and gets paid a good bit, but he owns three houses, and I was told lenders looked down on that. If we like the house, we're going to talk to my future mother in law's real estate agent. She has crap credit too, but bought her 90k house with no money down. I hate to sit idle, though. I need to know if there is something we can do. I looked at hard money lenders, home equity loans, and home equity lines of credit. I'm buying an ebook tomorrow that gives me access to sub-prime lenders. Is there anything else I can do? Any realty agents on here that might know? We have never gone bankrupt or foreclosed, will I need a Letter of Explanation? If we can't get this house, then we'll build our credit and money for two years and get a manufactured home. We'll put it right in the utopia town we found. But for now, if there is something we can do, I want to do it. I'm not giving up just because I made some stupid mistakes when I was 18. Thank you to everyone who replies to this! Oh, and thanks for reading all that, it was a lot, ha ha! And I hate that freakin spell checker... It's as bad as that paper clip on Microsoft Word... One more thing, we would like to be able to get a loan in addition to the mortgage to fix up the house and put a furnace in... or a wood stove. Wow, awesome responses so far, thanks all. Apparently my score is in the higher 500's. Unfortunately, it's still bad, plus I'm not technically employed. It's my fiance's score that really matters, I think. We also have a car loan that's all paid on time, so I hope that looks good. Mrswearing- the furniture idea's a great one. I like buying stuff too haha. I think I'll try that. Sylvia- you definitely made me feel inspired! I'll check up on that info! Kemperk- well, what happened was I turned 18 and got cell phone plans and whatnot... I also don't like having a boss, so I couldn't keep a job. That's why I work for myself ;) Members of my family build houses, so depending on what needs to be done, I should be good there. Thanks again everyone! Turns out, I have options. FHA can approve the loan if we give them 5% down. That money can come from a relative, as well, as a "gift". Now all we need to do is see the house to see if it's worth it. Thanks ;) Oh and to the first person who responded, Sub-prime lenders do still exist, there just aren't many of them. That ebook was worth the 17 bucks. Lol, I'm not that poor. more

Resolved Question: Who can you trust there are a lot of lairs about?

John came home one day with another one of his strange purchases... It was a robot that also claimed to be a lie detector. His wife Marsha was always sick of him buying these strange things but decided to say nothing. One day John and Marsha's 12 year old son Timmy came home almost 2 hours late. "Where have you been?" John asked "I was in the library doing a project for extra credit" claimed timmy. At once the robot rolled over to timmy and knocked him out of his chair. "son this is robot is really a lie detector" John said "tell the truth" "ok, ok i went over to robs house to watch a movie" "What did you watch?" asked john " The ten commandments" said Timmy Almost at once the Robot went over to Timmy and once again knocked him out of his chair. Timmy got up, his lip quivering. "ok im sorry he said i really watched a tape called Sex queen" John was very ashamed. "when i was you age i never lied to my parents" The robot then went over to john and knocked him out of his chair. Marsha doubled over in laughter. "Your almost as bad as Timmy, you can't be that mad at him, after all he is your son" The robot went immediately over to Marsha and knocked her completely out of her chair. more

Resolved Question: Should I have to pay for my exhusbands the medical bill?

Voting Question: My husband and I would love to buy a house in colorado springs, but we have really bad credit. What can we do?

We don't have a downpayment. We just want to own a home. Is it possible to buy a house. My credit score is around 520 and his 510 more

Resolved Question: What do you do when you feel like nothing in your marriage is going right?

My husband and I lived together for about three years before we got married. He is 25 and I am 23. We have been together since I was 17 and he was 19. I have been with him through 3 lay offs and I had to pretty much support us with the help of his unemployment benefits and my full time job for about 6 months before we got engaged. Then he started working for a temp agency and worked at one place for about six months and then they decided they weren't going to hire him and then he started working at another place and worked there for about 2 and a half years as a temp and then they let him go and he was making about the same as me there and everything was going okay until they let him go. Now he is working at another place making like almost 3$ less an hour than he was and 3$ less an hour than me, It is very hard to make ends meet and sometimes we can barely afford to buy groceries or put gas in his car. We racked up (I) racked up all kinds of credit card debt over the last few years because of his employment situation as well. We are trying to pay these debts back off. Now he has decided that he wants to go to school to become a male nurse and I am fine and dandy with that. Supposedly he is going to start school in August, he isn't a bad guy but has lied to me quite frequently about things like smoking, etc and well I have not seen any proof of this besides the fact that I watched him apply to the school, he says he has applied for a student loan but that was over two or three weeks ago and I have yet to see any proof of that either. We got married in May of 2008 (a little over a year ago) and I have made it totally clear that I want children before I am 25 from the start of our relationship. I want to be able to have the energy to run after my kids and I want to still be slightly "young" when my kids are grown. I have also made it clear that I want to be a stay at home mom from the start and I am getting a little impatient since he is 25 now and I am growing closer to that age. I would like to go back to school as well if this ever happens. ( I quit because he got laid off and I couldn't afford it) My mom and dad also had to relocate to Ohio due to my dad's job. We are planning to move there if he ever really goes to school. I am so tired of waiting and I feel like it is never going to happen. Any of it. I have been waiting years just for him to get a real permanent job and I love him very much but I feel like it is a lost cause sometimes and If he isn't going to do this for real am I better off just moving on and finding someone who can give me what I want?I really don't want to do that and I love my husband very much and we have been though a lot together but I feel as though it is always me giving him all this support and I never get mine. I don't make 3$ an hour , I am not saying what I make an hour , I am entry level management at a bank and he is temping at pepperidge farm. Also, the place he was working at had interviewed him and was planning to hire him and then had a hiring freeze put on so they could not, they let all of the temps go and then proceeded to lay off half of their workers ( added to my frustrations) more

Resolved Question: When purchasing a new home, what percentage do you put down?

I have a pretty decent credit score - 789. I live in a very old house given to me by my dad about 10 yrs ago. He signed the deed over to me because he was living in a 1 story house and I paid his rent monthly until he had to go to a nursing home about 5 yrs ago. I gave him $1 for his house and it turned out to be a really good deal except its a money pit. I cannot continue to pour money into it unless I am just crazy. Poor contractors with bad work have been a really big problem. I think I should just buy something newer and cut my losses now before I spend another $10,000 on a new furnace. How much should I expect to plunk down as a down payment, and will I qualify for a 1st time home owner? I do not plan to sell the old house, but rather just keep it in case someone in my family needs to live here. Probably my son will move in. more

Voting Question: Did your marriage also change for the worse after the birth of your first child, and how can you avoid probs?

Ever since the birth of our daughter, our marriage is not as good. We are fighting all the time. We mostly argue about the details on how to raise our daughter. I am finding that I am very angry at him for a reason that I can't pinpoint. The reason may be, though, that just before the birth, while I was getting ready for the baby, he was not very involved. I went out and bought toys and clothes and nursery decorations, breast pump, nursing pillow, blankets, baby tub, all that stuff, countless things, and he did not help with any of that at all. To his credit, he did get a stroller and car seat, but that was it. I also wanted him to read a chapter in a book about labour and delivery, and he wouldn't read it. I had to read it to him. The second night we had the baby at home, she cried all night, and my husband would not allow me to sooth her - he wanted to solve the problem. I wanted to breastfeed her because I thought the baby was hungry, but he wouldn't hand the baby over. Finally I had to yell at him and he finally passed her to me. He also claims that I am "shutting him out" and not allowing him enough input into how to raise the baby, but I don't have the energy or the time to discuss (or argue) the details with him. For example, I gave the baby a bath yesterday and he was angry because I didn't consult him first. I didn't consult him because I knew he would say no, and after carrying around this baby for nine months, if I want to bathe my baby, I think I should be able to. I think he should have more faith in my mother's instincts. We aren't getting enough sleep (either of us) and we are both anxious about the baby, and we are not being nice to each other because we are both in the worst moods. How can I fix the situation? Did this also happen to you? more

Resolved Question: Our marriage is not as good ever since the birth of our daughter - how do I fix things?

Resolved Question: Would it even be possible for us to buy a house?

My husband and i have been married almost 6 years we have 2 kids, we were gonna find out if we would be eligible to get a loan to buy a house we have rented our whole marriage. We both have crappy credit, mostly because of stupid decisions as an 18 year old on my part, and our first child was premature so we had ALOT of medical bills that became overwhelming. We are working towards paying them off everyday, i have read about the first time home owners $8000 rebate and i figure we have good things and bad things going for us, i wonder if we should even waste the time trying to find out out a loan, or if its at least worth a try, i would appreciate constructive answers and no one giving nasty ones, we are a young couple trying... more

Resolved Question: Want to know if i can buy home with fair credit?

I want to buy a home for 50,000 dollars and i'm not working right know and my credit score is 670 and i want to know i'm about to be starting this new job and i;m going to make 700.00 biweekly and so that's 1,400 a month so you think i would be approved for a home with this info i just want to get out of an apartment and have something of my own. Serious answers please i want to know honestly can i get a house with fair credit and no job my fiances income is what keeps us a float right know and he want us to get a house really bad and so do i his credit is bad so that's why i did not want to use him because there not going to give him nothing his credit is bad is hell more

Resolved Question: Minor signed mortgage?

I will try to make a long story short. I got married when I was 17 (bad idea). In 2001 we divorced and my ex husband was awarded the house (by mutual agreement and he was court ordered to "try" refinance but he could not because of his credit). In 2006 he defaulted on the loan and the home was foreclosed. I have tried in vein to get this off my credit report. My question is was my signing the mortgage at 17 (I was married at the time the mortgage was signed) even legal since I was a minor? Is there anyway I can fight this and get it off my credit? I have had a perfect rental history for about 8 years now but I can not BUY a house because of this foreclosure, prior to the foreclosure I couldn't get a house because it was slow pay 120 days late (sometimes more). As most of us know rental history can not go on a credit report. Someone please help I want my own home for me and my kids! more

Voting Question: Help with home buying?

I have the worst credit you can imagine . But i have a killer down payment. Does anyone know of any programs for 1st time home buyers with bad credit or where i should be looking. more

Resolved Question: Can I buy a new home if my current home is under foreclosure?

The home I live in now in CT is undergoing foreclosure, but it's only on my husband's name... We are moving to FL and would like to purchase a new home, possibly under my name... I have bad credit but a good amount of money to put down.... more

Resolved Question: Why do people Blame Bush on the Economy when...?

The Community Reinvestment Act (CRA) started this entire mess. If you did not know already, the fall of our banks, housing markets, and the oil crisis in the summer of 2008 lead us to our demise. The Community Reinvestment Act started it all. This Act was passed in 1977 by Congress to address the so-called discrimination by banks, which would not lend money to most minorities. The act provided that banks have “an affirmative obligation to meet the community’s needs.” The banks were not giving the loans out to minorities because most of them just didn’t have the money to pay them back-but the liberal congress under President Carter thought differently. But this Act was not enough to force the banks to give loans out to everyone. So in 1989, Congress amended the Home Mortgage Disclosure Act which required banks to collect racial data on mortgage applications. This data all came together in great use when in 1995 the Clinton Administration’s Treasury Department issued regulations tracking loans by neighborhoods, income groups, and races to rate the performance of banks. The ratings were used by regulators to determine whether the government would approve bank mergers, acquisitions, and new branches. The regulations also encouraged liberal-aligned groups, such as the Association of Community Organizations for Reform Now (ACORN) and the Neighborhood Assistance Corporation of America (NACA), to file petitions with regulators, or threaten to, to slow down or even prevent banks from doing their business by challenging the extent to which banks were issuing these loans. With such great leverage over the banks, many of the liberal groups were able to legally extort banks and make huge pools of money available to them. Then with such power over the banks, the government and groups were able to force the banks to give out loans to individuals who had bad credit or insufficient income. These loans are known as “sub-prime” loans. Most estimates put the figure of CRA-eligible loans at $4.5 trillion dollars lost to the banks… In 1992 the Department of Housing and Urban Development pressured two government chartered corporations, known as Fanny Mae and Freddie Mac, to buy large bundles of those sub-prime loans for the conflicting purposes of diversifying the risk and making even more money available to banks to make further risky, sub-prime loans. Congress also passed the Federal Housing Enterprises Financial Safety and Soundness Act, which mandated that those companies buy 45% of all loans from people of low or moderate income… In 1995 the Treasury Department under the Clinton Administration established the Community Development Financial Institutions Fund, which provided banks with taxpayer money to allow the banks to give out more risky, sub-prime loans. All of these actions turned the sub-prime mortgage market into a huge ticking time bomb that would magnify the housing bust by orders of magnitude… These policies lead to the housing boom which was seen in the 1990’s and early 2000’s. But it all eventually back fired when loans weren’t being paid back. The banks ended up losing more money than they were making - that lead to the collapse of our banks. This also led to the housing market’s demise or BIG bust… How did this affect the housing market? Well there were no more loans being given out, since the banks finally began to collapse. With no money being given out and thousands of houses going into foreclosure it is easy to see how the housing market went to hell… As you can see, the liberals caused us the major reason for our demise. All because they believed people had the right to houses. All because they believed high spending and expansion of government would help the poor… It didn't... But that was not the only reason for our fall. The high spending from congress led to higher debt and almost no money, which forced us to borrow from China… This debt left us with almost no money and that is why taxes were raised on most middle class families. This spending came from republicans and democrats who believed more government programs would reduce poverty or fix any other problems. It mainly came from the war over seas. Then came the gas crisis in the summer of 2008. This crisis happened due to the supply of oil being lower than the demand. It was also due to the speculation at home and the raising of prices by the Saudi Arabians. This all could’ve been avoided if President Clinton allowed the oil companies to drill in Alaska. In the 1990’s the companies went to congress for approval, but they were shot down… Many liberals say we have almost no oil here, but the REAL experts from the oil companies say we have more oil than the Middle East. Who would you trust? Oil company experts or politicians? My point is th I'd like to see people actually read this answer instead of acting like ignorant idiots. more

Resolved Question: I'm done trying to fix my credit! Are these Bad Credit sites for real?

I've been trying to buy this home for nearly 2 years now. I been through 4 mortgage companies and over 10K trying to pay off debt that didn't make a difference in my score. I know the routine now,companies will promise you they can help until the realize your credit is below 600, then they wont have anything to do with you. I've tried paying on time, paying off stuff. It hasn't help. What I want to know now is,.....what's the deal with these bad credit places! Are they any different? Is it a rip off! Will they promise you stuff and not deliver? Why would they give me a chance if most mortgage companies wont? My score, 519, my income 60K, 11 years on the job. the house is 180K & I have about 5K down. What should/can /can I do? more

Resolved Question: I stopped paying my visa bill. What is going to happen?

It is a CIBC visa (from Canada). I stopped paying it about 6 months ago because I was out of work while doing my master's degree in the UK. I plan on returning to Canada - but am terrified of the visa company, I don't know, throwing me in jail or something. If I ignore them and any collection agencies and never open my mail again...will they eventually go away and the debt disappear? I know I will have bad credit and will never be able to get a house or a car...not a big deal as I dont drive or foresee having enough money in the near future to buy a home....but what do you think will happen to me (besides going to hell)? PS visa and CIBC are both horrible companies that I believe have conspired to put me in debt. I have more than paid off the card in interest. I was givin the card when I was very young, and they kept raising my limit as I spent. Now, years later, i am still suffering for this. I know it was my own fault for getting in debt...but I believe they did everything they could to facilitate it. They are like drug dealers tempting addicts with free crack. more

Resolved Question: my dad was lame, and I don't want my husband to pay for that?

My fiance is a wonderful man and I love him deeply. He is gainfully employed and owns his own home, and while a bit insecure he is always kind, affectionate, and good to me. Without fail. He is also a computer science geek/nerd which turns me on big time. The problem is, I don't trust him to be responsible in the way I define "responsible", which I freely admit is not the only definition. For example, he cannot be trusted in the kitchen to prepare a decent meal because he is always trying to be "creative" and won't, or can't, follow a recipe. When I moved in with him, his house was a disaster area that took us months of cleaning to fix, although to his credit he now keeps it about as clean as I do. He will buy junk at garage sales or accept items from friends "to fix", which will then be left all over the house until I persuade him to throw it into the trash, where it belonged in the first place. He is always wanting to pick up any sort of fruit he's never heard of before and ferment it into beer. The results are often, but not uniformly, foul. I suppose it can be chalked up to a lack of foresight that results from not understanding the theory behind a set of applications, and ultimately results in abandoned projects, clutter, and (more rarely) minor disasters. I am a career scientist and we have already decided that I will stay with work while he spends more time with the children at home. He seems like the kind of guy for whom this would work out perfectly and that suits me just fine. Intellectually, I trust him - but sometimes my gut falters. But what if he is not capable of attending to the important details regarding our kids? I mean, I don't care if he puts mismatched socks on our kid or feeds him or her cake instead of a well-balanced breakfast. But I used to work in forensics and I have seen too many times what can happen to children just by accident, in about a split second, when somebody simply turns their back. We are not pregnant yet but we want to be soon. I am sure part of my fears stem from the fact that my dad was not a responsible guy and often did crazy things that put us in danger, although none of us were ever seriously hurt (some bruises, scrapes, etc.). I know my fiance will try to keep our kids safe, but he complains that I am always "thinking the worst" and not being trusting enough sometimes. He says, "I lived just fine before I met you," but this isn't quite true - he was depressed, lonely, and his house reflected that. I want to trust him...but my mind keeps going back to the time he got distracted and the pudding caught on fire. I want to calm down, leave him alone with our children, and pursue my career. What should I do? How can I be more trusting? more

Resolved Question: bad debt history, buying a home?

I have about 5000 in collection on a few credit cards, now I also owe 6000 in school loans. I couldn't afford rent, school, kids and the credit cards.. bad I know I shouldve paid them up but didn't now I am looking into buying my first home, will the collections hurt my chances? also i'm not looking for a $200000 home more like something that has been foreclosed on, or under 100000 I have also been told that sometimes you can combine your credit cards and debt into your house payment... does anyone know anything about that? more

Resolved Question: How do I sort out this mess?

Or is there even any hope for me? I'm at an all-time low, right now. My lowest point ever. I don't even know what to do anymore. I live at home with my parents, I don't drive, my job is modeling but I've gained weight and can't seem to lose it fast enough, and I completely hate the person that I am. I think it all stems from my lack of self esteem because of my body. My father has always told me, every single day, how fat I am. Ever since I was little. Even when I wasn't fat. I've put on about 20 pounds and I feel like that gives him more fuel for the fire. When he talks to me, he calls me by these names like "lard ass" and "miss piggy". Let me add in that I'm a bulimic and have been for about 4 years, and I've you've never had bulimia, you'll never understand how much pain that causes. I've even had suicidal thoughts, but the only thing stopping me is the fact that I don't want people to be able to walk by my casket and be able to stare at me, and see how fat I was. I'm afraid I wouldn't be able to hide it in death, like I can in life. I'm trying so hard to lose weight, and it's happening, just not fast enough. I don't even leave my house anymore because I'm afraid people will stare at how big I am and I'm afraid my body will shock people. The thing is, I'm not even all that big. I'm actually more muscular than fat. It's these thoughts in my head, from constant torture about my weight, that make me believe that I'm not good enough to live a normal life. Topped with my illness (bulimia), it's the worst pain you could imagine. I spend hours each day getting ready, trying to hide my body, and I haven't been happy in months. Every single day, it's just constant crying, wondering what I did to deserve this. I'm such a good person. I honestly am. I love helping people and I care for just about everyone. I just don't know what to do anymore. It seems like no one even feels any sympathy for me. I would get counseling, but I'm 20 days away from my 18th birthday, which means I'm still a minor, and I know for a fact that my mother won't let me get any help. She's more "concerned" about the money for it. Even though she goes out shopping every single day and buys stuff for everyone in the house, except for me. I get treated like dirt. I just don't even know what to do anymore. If anyone has any suggestions, I'd really appreciate it alot. I probably sound like a crazy person, and I probably am, but I really can't credit myself for it. The people in my life have aided to it, which is why I'm alone and heartbroken about my life. I know this is long, and thanks for reading it. Any help is GREATLY appreciated. And please. No rude answers. I really can't handle anymore blows to my already floor-level self esteem. The abuse from my father used to be physical, actually. But, since I've gotten older, and stronger, I learned to fight back, so that's a RARE occasions when he puts his hands on me, these days. I know all about the risks of bulimia. Unfortunately, at this point, if it takes dying to by thin (which is all I want to be), then I'll accept that if I can reach my goal. :( I really wish I didn't think like that, though. Sorry about the thumbs down. I'm not giving them. If I had enough points, you'd all get thumbs up. more

Resolved Question: how do i get a home loan with bad credit this is the first home we would be buying?

me and my husband found a home for 29000 and it is a great home for us. we have bad credit from some unfinished exs that we didnt expect. I really would like to get this for our family. my husband has been at his job for 17 years. and mine at3 years. we live in a mobile home that is paid for. we know that we would have to rent it out. cause you dont get anything for them. we had some offers already by word of mouth for 450 a month.. we own a 99 ford taurus and a 93 ford ranger and the mobile home. this home we are looking at is a single family home with 1/2 acre and they would like 1000 down. no contracts. please help us live our dream if you have any ideas what i mean about contract is buying it on contract like rent to own. they wont do that way more

Resolved Question: need to refinance is this a good idea?

My husband and I bought our first home last September and two new cars back in 2007 when we first got married. We owe about $23,000 on both cars and $81,000 on the house. My husbands income is $3000-$35000 depending on overtime and extra weeks. We are adding a third bedroom to our home and a laundry room and we're planning on putting it on the market for $130,000, we've already spoken to our realtor. I know that this is a horrible market and we'll probably get less than that, but we need about $120,000 to pay our cars off and our $7500 first time home buyers credit. We don't want to sell unless we pay these things off because it will give us a fresh start with no debt and we can afford a bit of a bigger house, but still stay around $100,000-$125,000 so our mortgage doesn't exceed $1000 a month. Anyways since the market is so bad we've talked about possibly refinancing our home after the addition and taking $23,000 out and paying our cars off and staying in our home until next summer when hopefully the market will pick up a bit and we can try to sell than and make a bit of a profit. Would this be a good idea? This is definitely not a home we are planning on living in for more than a few years. We bought it as a foreclosure to fix it up and we're done everything to the original portion of the house and are ready to do this addition which will cost us about $4000 since my husband is doing all the work him self accept for the electricity. The reason that we want to pay our cars off is because we could get a lower rate since we are currently paying 7.25% for both cars and 6.25% for the home. We currently pay $500 a month for both cars, and $657 for our home. We're hoping to keep pur mortgage around $800-$850 and put the rest into savings. Also how would I go about refinancing? more