hoops902
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Post by hoops902 on Mar 20, 2019 10:46:16 GMT -5
. Loony, you need to figure out what your divorce decree says before it's final. You may have just fucked yourself over. How can I find out before I have it? You've already agreed to these things, the decree is just going to reflect what you've already agreed to. So you need to find out what you've already agreed to in your paperwork you submitted.
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Deleted
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Post by Deleted on Mar 20, 2019 10:49:59 GMT -5
I can't believe there won't be at least some kind of hearing. What does your paperwork say? I was perusing the PA divorce online thing and one attorney website says there are 15 forms or something like that and it's common to get kicked back multiple times for clarifications/further info. Although, I'm assuming they're trying to get people to not do it themselves and go through them.
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tloony
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Post by tloony on Mar 20, 2019 10:50:32 GMT -5
I'm not seeing where 30 year conventional loans ever fell below 3%.
I'm thinking she got into some kind of government loan modification program.
No. It’s a not gov program. If I’ll try to explain you’ll never believe me. So I’ll refrain.
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Deleted
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Post by Deleted on Mar 20, 2019 11:07:22 GMT -5
Well since it seems like you and your husband are living the swinging lifestyle, why not just turn your house into a private swingers club and rent out floor space for other consenting members. Also, why get divorced since you are all getting along so well, maybe do a little swapping to keep things fresh.
As for the house loan, it really is a simple question to answer that doesn't need a long explanation -who is the lender? I suggest you just go ahead and let everything be finalized and you can work it out later - that always works.
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swamp
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Post by swamp on Mar 20, 2019 12:16:51 GMT -5
. Loony, you need to figure out what your divorce decree says before it's final. You may have just fucked yourself over. How can I find out before I have it? It should have been submitted to the court for them to sign. Usually courts don't prepare their own papers.
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swamp
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Post by swamp on Mar 20, 2019 12:18:39 GMT -5
I can't believe there won't be at least some kind of hearing. What does your paperwork say? I was perusing the PA divorce online thing and one attorney website says there are 15 forms or something like that and it's common to get kicked back multiple times for clarifications/further info. Although, I'm assuming they're trying to get people to not do it themselves and go through them. It's pretty common for uncontested divorces to be on submission only. But usually, those people have nothing to divide. If you have $200,000k equity in a house, you really should shell out $100 for a consult.
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cottontail
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Post by cottontail on Mar 20, 2019 14:07:29 GMT -5
I'm not seeing where 30 year conventional loans ever fell below 3%.
I'm thinking she got into some kind of government loan modification program.
No. It’s a not gov program. If I’ll try to explain you’ll never believe me. So I’ll refrain. You know that that only makes us want to know more, right?
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Miss Tequila
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Post by Miss Tequila on Mar 20, 2019 14:23:38 GMT -5
I can't believe there won't be at least some kind of hearing. What does your paperwork say? I was perusing the PA divorce online thing and one attorney website says there are 15 forms or something like that and it's common to get kicked back multiple times for clarifications/further info. Although, I'm assuming they're trying to get people to not do it themselves and go through them. I'm in PA and did not have a hearing. Because our assets were very easy to divide (what was mine was mine and what was his was his) and there was no fight over alimony or child support (there was none), ours was fairly simple. I didn't even hire an attorney. His attorney drafted and I made changes as I saw fit. His attorney filed everything and a few months later it came in the mail, filed and certified. Easy-peasy
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Post by Deleted on Mar 20, 2019 14:33:56 GMT -5
I can't believe there won't be at least some kind of hearing. What does your paperwork say? I was perusing the PA divorce online thing and one attorney website says there are 15 forms or something like that and it's common to get kicked back multiple times for clarifications/further info. Although, I'm assuming they're trying to get people to not do it themselves and go through them. I'm in PA and did not have a hearing. Because our assets were very easy to divide (what was mine was mine and what was his was his) and there was no fight over alimony or child support (there was none), ours was fairly simple. I didn't even hire an attorney. His attorney drafted and I made changes as I saw fit. His attorney filed everything and a few months later it came in the mail, filed and certified. Easy-peasy I didn't have a hearing for either divorce. Same deal. One attorney wrote everything up and handled it. But everything about what was to be done with the property and retirement accounts was specifically addressed.
What I meant was if you were going without an attorney and just doing the online forms and you "checked the box" saying X person was keeping the house, but never specified anything about financials or equity on a 20+ year long marriage. I would think something like that would raise some red flags when it landed on the judges desk and they'd want to at least have both parties in front of them clarifying the details and confirming there was agreement before signing it off.
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Miss Tequila
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Post by Miss Tequila on Mar 20, 2019 14:53:44 GMT -5
I'm in PA and did not have a hearing. Because our assets were very easy to divide (what was mine was mine and what was his was his) and there was no fight over alimony or child support (there was none), ours was fairly simple. I didn't even hire an attorney. His attorney drafted and I made changes as I saw fit. His attorney filed everything and a few months later it came in the mail, filed and certified. Easy-peasy I didn't have a hearing for either divorce. Same deal. One attorney wrote everything up and handled it. But everything about what was to be done with the property and retirement accounts was specifically addressed.
What I meant was if you were going without an attorney and just doing the online forms and you "checked the box" saying X person was keeping the house, but never specified anything about financials or equity on a 20+ year long marriage. I would think something like that would raise some red flags when it landed on the judges desk and they'd want to at least have both parties in front of them clarifying the details and confirming there was agreement before signing it off.
Gotcha. I misunderstood and thought you thought that PA required hearings. I wasn't dumb enough to not have it filed by an attorney...I was just smart enough to not have to pay for said attorney
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tloony
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Post by tloony on Mar 20, 2019 15:22:30 GMT -5
Well since it seems like you and your husband are living the swinging lifestyle, why not just turn your house into a private swingers club and rent out floor space for other consenting members. Also, why get divorced since you are all getting along so well, maybe do a little swapping to keep things fresh. As for the house loan, it really is a simple question to answer that doesn't need a long explanation -who is the lender? I suggest you just go ahead and let everything be finalized and you can work it out later - that always works. Great idea! I am sure you suggesting because you have an experience in that shit. Tell it all. I am all ears. Don’t forget details.
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tloony
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Post by tloony on Mar 20, 2019 15:26:21 GMT -5
I can't believe there won't be at least some kind of hearing. What does your paperwork say? I was perusing the PA divorce online thing and one attorney website says there are 15 forms or something like that and it's common to get kicked back multiple times for clarifications/further info. Although, I'm assuming they're trying to get people to not do it themselves and go through them. I'm in PA and did not have a hearing. Because our assets were very easy to divide (what was mine was mine and what was his was his) and there was no fight over alimony or child support (there was none), ours was fairly simple. I didn't even hire an attorney. His attorney drafted and I made changes as I saw fit. His attorney filed everything and a few months later it came in the mail, filed and certified. Easy-peasy Are you trying to become a second member of loony bin facility? They will jump telling you it’s a sin!
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HoneyBBQ
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Post by HoneyBBQ on Mar 21, 2019 10:22:57 GMT -5
No. It’s a not gov program. If I’ll try to explain you’ll never believe me. So I’ll refrain. You know that that only makes us want to know more, right? Snowflake mortgage.
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tloony
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Post by tloony on Mar 21, 2019 10:24:20 GMT -5
You know that that only makes us want to know more, right? Snowflake mortgage. Is it legit term?
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TheHaitian
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Post by TheHaitian on Mar 21, 2019 10:42:47 GMT -5
Probably an interest only loan
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NancysSummerSip
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Post by NancysSummerSip on Mar 23, 2019 11:52:07 GMT -5
After reading these posts, I have come to the conclusion that none of this is real. Loony is writing a script for a TV show, to be called Honey, I Made A Housing Boo-Boo. Either TLC or Court TV will buy the rights (TLC if they all end up living together in the house; Court TV if the husband or BF end up buried on the property).
I mean, look at the cast of characters here. You have the Wayward Wife finding new a new life and love while still with the Hapless Husband, the Grown Daughter not seeming to know or care about any of this, the NBF (New Boy Friend) needing to find a convenient way to get out of his lease and start over, kiddo in tow who needs a mommy in his life because his BM (Bio Mom) isn't there for him. Toss in the financial finagling and this is just perfect for sweep season.
Sorry folks...if ever a plot existed for a reality show, this is it.
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tloony
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Post by tloony on Mar 23, 2019 20:42:13 GMT -5
After reading these posts, I have come to the conclusion that none of this is real. Loony is writing a script for a TV show, to be called Honey, I Made A Housing Boo-Boo. Either TLC or Court TV will buy the rights (TLC if they all end up living together in the house; Court TV if the husband or BF end up buried on the property).
I mean, look at the cast of characters here. You have the Wayward Wife finding new a new life and love while still with the Hapless Husband, the Grown Daughter not seeming to know or care about any of this, the NBF (New Boy Friend) needing to find a convenient way to get out of his lease and start over, kiddo in tow who needs a mommy in his life because his BM (Bio Mom) isn't there for him. Toss in the financial finagling and this is just perfect for sweep season.
Sorry folks...if ever a plot existed for a reality show, this is it. OMG! I just almost died laughing! Can you get with me on sellingvthis crap to anybody??? It’s fucking real! And you don’t know half of it! I can’t post it all because nobody going to believe it! I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime??? Ask me...just trust me. I don’t give bullshit nor I give any... Curious??? I bet!
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NancysSummerSip
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Post by NancysSummerSip on Mar 24, 2019 12:52:14 GMT -5
<<I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime >> No, not buying it. As The Haitian said, it sounds like you got an interest-only loan, which means you are paying just the interest on your mortgage for a period of time. Once that time ends, there is a lump sum due on your mortgage. Gonna be serious hell to pay (literally) when that day comes. Hope the BF has deep pockets or good life insurance.
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tloony
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Post by tloony on Mar 24, 2019 12:55:36 GMT -5
<<I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime >> No, not buying it. As The Haitian said, it sounds like you got an interest-only loan, which means you are paying just the interest on your mortgage for a period of time. Once that time ends, there is a lump sum due on your mortgage. Gonna be serious hell to pay (literally) when that day comes. Hope the BF has deep pockets or good life insurance. You people think you know everything aren’t you? But you aren’t! And if I paid interest only how would I get $130k equity? No seriously...you don’t know EVERYTHING!!! Btw is Haitian still married to that material woman? Any kids they could afford. Any promotions at Wal Mart?
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tallguy
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Post by tallguy on Mar 24, 2019 13:03:26 GMT -5
<<I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime >> No, not buying it. As The Haitian said, it sounds like you got an interest-only loan, which means you are paying just the interest on your mortgage for a period of time. Once that time ends, there is a lump sum due on your mortgage. Gonna be serious hell to pay (literally) when that day comes. Hope the BF has deep pockets or good life insurance. I know someone who had not paid on their mortgage for two years or more. Of course the last time I spoke to them they were expecting the eviction within weeks, so there is that.
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NancysSummerSip
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Post by NancysSummerSip on Mar 24, 2019 13:35:32 GMT -5
<<I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime >> No, not buying it. As The Haitian said, it sounds like you got an interest-only loan, which means you are paying just the interest on your mortgage for a period of time. Once that time ends, there is a lump sum due on your mortgage. Gonna be serious hell to pay (literally) when that day comes. Hope the BF has deep pockets or good life insurance. I know someone who had not paid on their mortgage for two years or more. Of course the last time I spoke to them they were expecting the eviction within weeks, so there is that. I think 120 days is about as long as a person can go before the foreclosure proceeding begins, along with the eviction. Which is why I also think Loony put off the foreclosure with this kind of loan. But you still pay in the end, right? It's kind of a balloon payment at the end of the agreement. It only buys you time until the inevitable happens.
And I also had a neighbor (former neighbors now -- they moved after selling the house) in a similar situation. She's a doctor, she was facing a county lawsuit for nonpayment of rent and then faced IRS issues for failure to pay quarterly business taxes. So she stopped paying her mortgage, and did not keep up the place. A ploy, I'm thinking, to show she had no money. In the end, she had to sell the place at a loss and face the lawsuits anyway. Last I heard, she had her DUI-convicted husband were shacked up in a condo not far from here. She still has a practice and she did pay the county lawsuit. The IRS lien, now close to $100,000, has been in existence for 10 years and is still open.
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Deleted
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Post by Deleted on Mar 24, 2019 14:04:46 GMT -5
After reading these posts, I have come to the conclusion that none of this is real. Loony is writing a script for a TV show, to be called Honey, I Made A Housing Boo-Boo. Either TLC or Court TV will buy the rights (TLC if they all end up living together in the house; Court TV if the husband or BF end up buried on the property).
I mean, look at the cast of characters here. You have the Wayward Wife finding new a new life and love while still with the Hapless Husband, the Grown Daughter not seeming to know or care about any of this, the NBF (New Boy Friend) needing to find a convenient way to get out of his lease and start over, kiddo in tow who needs a mommy in his life because his BM (Bio Mom) isn't there for him. Toss in the financial finagling and this is just perfect for sweep season.
Sorry folks...if ever a plot existed for a reality show, this is it. OMG! I just almost died laughing! Can you get with me on sellingvthis crap to anybody It’s fucking real! And you don’t know half of it! I can’t post it all because nobody going to believe it! I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime Ask me...just trust me. I don’t give bullshit nor I give any... Curious I bet! um...I don't get it. Half this thread you're going on about how there is NO WAY you will ever let that 2% mortgage go, that it's WAY too important to you to stay in this house, but then you're not even paying on it? Why are you pissed your husband isn't paying anything towards it if neither one of you are?
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tloony
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Post by tloony on Mar 24, 2019 16:40:01 GMT -5
OMG! I just almost died laughing! Can you get with me on sellingvthis crap to anybody It’s fucking real! And you don’t know half of it! I can’t post it all because nobody going to believe it! I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime Ask me...just trust me. I don’t give bullshit nor I give any... Curious I bet! um...I don't get it. Half this thread you're going on about how there is NO WAY you will ever let that 2% mortgage go, that it's WAY too important to you to stay in this house, but then you're not even paying on it? Why are you pissed your husband isn't paying anything towards it if neither one of you are?
Paying now for over a year! What are you reading woman?
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Deleted
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Post by Deleted on Mar 24, 2019 16:50:46 GMT -5
um...I don't get it. Half this thread you're going on about how there is NO WAY you will ever let that 2% mortgage go, that it's WAY too important to you to stay in this house, but then you're not even paying on it? Why are you pissed your husband isn't paying anything towards it if neither one of you are?
Paying now for over a year! What are you reading woman? I'm reading what you wrote. 🤔 "I haven’t paid mortgage for 18 months and haven’t been foreclosed"
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Deleted
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Post by Deleted on Mar 24, 2019 19:19:32 GMT -5
tloonya, if you haven't paid on the mortgage for 18 months you may not have as much equity in the house as you think. When the house is sold, either by you or by the bank if they foreclose, the bank gets EVERYTHING they're owed, including the payments you didn't make plus any penalties, before you get a dime.
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NastyWoman
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Post by NastyWoman on Mar 24, 2019 22:51:47 GMT -5
Paying now for over a year! What are you reading woman? I'm reading what you wrote. 🤔 "I haven’t paid mortgage for 18 months and haven’t been foreclosed" and now I think we also have a fair idea why the bank didn't want to give you $25k against "your" equity to go to the Bahamas for a month or so.
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hoops902
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Post by hoops902 on Mar 25, 2019 7:32:31 GMT -5
<<I haven’t paid mortgage for 18 months and haven’t been foreclosed...ever heard of that? Because I am ‘special’ and JP Morgan Chase bank who is all that shit gave me the mortgage loan that held me in for 18 months not paying a dime >> No, not buying it. As The Haitian said, it sounds like you got an interest-only loan, which means you are paying just the interest on your mortgage for a period of time. Once that time ends, there is a lump sum due on your mortgage. Gonna be serious hell to pay (literally) when that day comes. Hope the BF has deep pockets or good life insurance. You people think you know everything aren’t you? But you aren’t! And if I paid interest only how would I get $130k equity? No seriously...you don’t know EVERYTHING!!! Btw is Haitian still married to that material woman? Any kids they could afford. Any promotions at Wal Mart? The value of your home goes up over time? If you buy something for $100, and you still owe $100 on it...but the value of that item has risen to $150...you have $50 worth of equity without having paid any part of it off. That's a very basic way someone can have equity if they had an interest-only loan.
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Post by Deleted on Mar 25, 2019 7:50:48 GMT -5
You people think you know everything aren’t you? But you aren’t! And if I paid interest only how would I get $130k equity? No seriously...you don’t know EVERYTHING!!! Btw is Haitian still married to that material woman? Any kids they could afford. Any promotions at Wal Mart? The value of your home goes up over time? If you buy something for $100, and you still owe $100 on it...but the value of that item has risen to $150...you have $50 worth of equity without having paid any part of it off. That's a very basic way someone can have equity if they had an interest-only loan. Plus, isn't this a refinance? If you've been paying on it for 10 years and then go to an interest only, you still have the equity you paid in for the first 10 years. I really want to know how this 2% loan is not a government loan modification? There is no way a bank would give someone with crappy credit that hadn't been paying for 18 months a "super special" rate that even people with good credit couldn't get.
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tloony
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Post by tloony on Mar 25, 2019 15:21:35 GMT -5
tloonya, if you haven't paid on the mortgage for 18 months you may not have as much equity in the house as you think. When the house is sold, either by you or by the bank if they foreclose, the bank gets EVERYTHING they're owed, including the payments you didn't make plus any penalties, before you get a dime. We laid all we owed like $25k and yes I have an equity. It’s in my tax papers.
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debthaven
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Post by debthaven on Mar 25, 2019 17:03:13 GMT -5
House has $130k equity. Value $311k.
We laid all we owed like $25k Huh? owing 25K and 181K are not the same thing.
And you wonder why you can't get an answer LOL. ETA: You never actually said you owe 181K, but you never said how much you DO owe, so I'm just guessing. I'm also guessing you owe a LOT more than 25K, even if it's less than 181K.
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