Own a silvercrest manufactured home and i have a personal loan that was taken to court in which is now court fees plus loan ,000.00. I am court order to pay. I have no job. My Silvercrest manufactured home is made from 1973 thats the only personal asset I have. Can they take this. Sincerly Sharon Adessa
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I have been living in a manufactured home for over 11 years now and made payments of 550 a month but then i checked the interest rate and its 12% and in the 11 years the principle amount i paid for is 00+ but now i seen a nice house for ,000 my question is what would happen if i just went and bought the other house and left the manufactured home?
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they said I was not eligible because I live in a manufactured home. Don’t you find it a discriminatory action? I am not trailer trash. My home is beautiful and extremely functional.
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Our bank has basically screwed us over. They raised our house payment on his the past summer due to a mistake made by one of their employees. Then, my husband and I made payment arangements with them because we were behind on our bills, and with the increase in our house payment it was hard. The bank said fine, and allowed us an extra two weeks or so. So, after the time had passed, and I went to pay the payment the teller swiped my debit card twice, which caused my account to go negative for two weeks. We had late fees on all our bills, and we out another 200 dollars due to overdraft fees. Well, this has been a month ago. I called the bank numerous times in which they told me everytime that they would give me back my money. I even had a lawyer write me a letter in which I faxed to them. Never heard a word,and never got my money. It put me really behind. Now, we also have credit card bills. I haven’t paid them in a few months, and they sent me a bill today for a lower minimum payment..which, I can’t afford the entire thing, but I can send a little. My husband(who is deployed right now) also racked up an 1100 dollar cell phone bill. I just don’t know what to do. Im in school more than full time, and dont have time for anything else because I am almost done, and cant afford to quit now because then I will have tons of student loans to pay back. Okay, well my husband wants to apply to be a recruiter next year. He will get to get out of deployments for a while, make a little extra money, and get out of his horrible shop he works in now. I am so close to just saying screw it, moving back closer to family where he can apply as a recruiter, and renting again. But, I dont know. Im scared about it. I know it will be hard going from a homeowner to a renter again. Plus, after we get caught up we want to have a baby, and Im not sure if I will be happy bringing a baby back home to an apartment. My mom said she might be able to help co-sign for a manufactured home maybe? Would she be able to do that?
Help!
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After a lifetime (30 years, anyway) of stellar credit, I was forced to file Chapter 7 about one and a half years ago. My manufacturing business failed primarily due to cheaper offshore product being imported into the USA. The total debt liquidated was probably in the K range, the majority of it business related. I did reaffirm my first and second mortgages on my home, along with a line of credit at a local bank, and two vehicle loans, with all payments being made on time every month. My situation now is that I have sold my home and am scheduled to close in two weeks. This will clear all debts and leave me with around in the bank. I am currently shopping for another house and am curious about what mortgages are available, and what type of interest rates should I expect, and if I can even qualify for a loan. My income is K per year.
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