I was thinking of applying for a store credit card, and I checked my credit on all 3 of the major credit reporting agencies. All of them are different with one being 50 points lower than the highest one. Do they go by the best score, or do they average out the 3 together to get a final FICO score for determination of the credit card?

After a bank reviews my business plan, and approves a loan for me, am I able to do what I need to with the money? In other words, would I be able to pull a salary to support myself from that loan? Thanks!

Just like to see if the prices would be different? I know that foreclosure homes are cheap, but are the bankruptcy homes cheaper or?

Whats the catch?

Anything would be appreciated.

Thanks.

My uncle is losing a house to foreclosure because he has medical bills due to an accident. The loan holder has been very rude, and has not negotiated with him to reduce payment, despite his efforts.

So, we are going to leave a “poison pill” by turning the property worthless before the eviction deadline.

We already have some ideas on how to screw the bank, but please add any you can think of:

-Strip EVERYTHING of ANY value from the house, including all the pipes, ducts, and wiring.

-Throw some old rotten food around and let some pigs go wild in there for a few days.

-Invite all our friends to dump their old batteries and motor oil jugs in the yard, turning it into a toxic waste site.

-Welding together scrap metal inside the house into a “sculpture” that is too huge to remove without cutting it apart.

-Filling all the plumbing intakes with concrete.

-Using a rototiller to ruin the yard and seeding the ground with waste and broken glass.

What else should we do?
My uncle is poor as hell and is therefore judgment proof. Also, he has cancer and will die in a year or so anyway. He has nothing to lose, and we are going to do this thing.

i left a voice mail giving lawyer’s number, and informed hoa that a house is already sold to some investor who’s flipping it actually.
i dont get it. i told hoa office months ago that i filed chapter 7, but i guess they are refusing reality.
creditors cant contact me now that im discharged.. they were listed too. dont they know they can be penalized for billing me still?

besides it’s sold, yet they are billing me up to this month and more. whats to happen to me with them?
home was sold on auction so i donno why the buyer didnt follow with hoa bills???

so stressed.
what do you all think ….?

thanks…..

I have a relative that can no longer pay for a high mortgage payment, what options are available to avoid foreclosure? The house has been on the market for nine months but no buyers.

I heard a rumor that your FICO score goes down if you own alot of property. This can’t be true can it?

My daughter and family were in a serious auto accident. Totaled the truck and had to be transported by ambulance. The auto insurance company is telling them they have to collect on their homeowners policy for personal property that was in the truck (DVD players, hockey equip, etc) AND for the clothes that were cut off them by the ambulance attendants. Is this normal? It puts them in the position of paying both deductables and making two claims! I think it STINKS!!

I was diagnosised with cancer in April of this year and have to undergo to different surgeries thus causing me to lose my income. Due to the excessive medical bills we are currently behind on our mortage payments and are facing a possible foreclosure. Is there anyway to keep our home and be able to get our payments back on track? We are finally getting back on track but still cannot make the back payments. We are still living on my husbands income alone. Help!!! I have no idea what to do or where to go for assistance. We have 3 children and do not want to lose our home. I have checked here locally for assistance and have come up with nothing. Any suggestions would be helpful. Thanks and God Bless!

Many people have to keep their home improvement plans on hold simply because they do not have enough money. A time may come when your family expands and you accordingly require more space at home. This can be done by adding extra bedrooms or a new floor. As far as financial implications are concerned, you can take help from professional lenders. It will be better to first use any savings that you may have accumulated in the past.

Regular maintenance and other small modifications to your home do not require many funds; you can easily manage it with your savings. The problem comes when your home is decades old and a lot of things have to be changed and altered to bring it in line with the latest trends in the home market. In such circumstances, many people decide to take financial assistance from the lenders. In the UK, there are building societies, banks, private lenders and other financial institutions that lend money on competitive rates. You can contact them personally or through websites.

The most difficult question that people face when improving home is how to begin in a systematic manner. Of course, the first thing to do is to note down all the modifications and renovations that are to be carried out. Ask any home expert if any of these home improvements require a sanction from the local council. Normally, small alterations do not come under the purview of local councils but if you are planning to add, alter, destroy or rebuild any of the concrete structure then a sanction is required.

Once you have gone through these formalities and obtained the necessary sanction, wherever required, you can start with your home improvement work. The monetary aspect has to be taken care of because once you start home improvement project, there should be no looking back. It is very normal to enter into a contract with the builder and you would not be in a position to stop the work mid-way citing lack of funds as the reason. To bolster your budget, you can take home improvement loans.

Many lenders would be interested in lending money provided that you have a strong financial standing or you can provide some security to the lender. Secured home improvement loans require that you pledge your home to the lender. Some homeowners do not like to risk their homes in order to get a home improvement loan. These homeowners can seek alternative financial help in the form of unsecured home improvement loans.

All types of home improvement loans are available online. There should not be any problem for you to apply for such loans. Just take care that you have checked the loan rates prevailing in the market so that the lender may not fleece you in this respect.