The official "Life's a Bitch" thread

[luv]

Well, after dealing with getting over an ex and making sure he's paying joint bills, I decide to just focus on my job for awhile. I know it well, and I'm good at it. Should mean a little less stress while I get me and my life back into focus.

We had a meeting today, and the portion of the company that I'm a part of has been sold. Luckily, it will be in Springfield. Unluckily, there are only so many spots available at the new company. While I know that I will still have a job, I don't know what I'll be doing or if I'll have to take a subtantial paycut.

So much for less stress.

UPDATE: I just got offered a new position with the original company. I'll be able to stay where I'm at!! I'm now part of the technical support group. I'll be learning how to import and export data, etc. Kinda nervous, but so thankful for the opportunity.

[little jacob]

Originally Posted by luv

My credit was good enough to get him $12K worth of loans and a vehicle. I also have a few I took out in just my name. Now, I'm back to where I was 10 years ago on my credit. Trust me, I will never forget. At least not for five years.

i believe it's 7 years actually.

[little jacob]

Originally Posted by seclark

nothing's wrong with that...but somewhere in life, chances are you're going to have to get a loan. you can write down everything you've paid for in cash on that loan app, but if you've never taken out and paid off a loan, the lender is probably going to want a cosigner.

i'm no expert on this, outside of the fact that i couldn't get my first loan without a cosigner.
sec

you can build credit history without using big-ticket installment debt.

i am really only in favor of borrowing for a house, but that is just my philosophy.

[Sure-Oz]

That sucks you fell hard for the guy but you learned your lesson. Never give in to financial shit and if they don't like it tough ****in luck...people should be understanding...

Don't let yourself be put in that situation again, don't fall hard either....give it time, always

[luv]

Originally Posted by little jacob

i believe it's 7 years actually.

I meant that it will take five years to get paid off. Sucks being tied to someone you wish you'd never met.

[little jacob]

Originally Posted by luv

I meant that it will take five years to get paid off. Sucks being tied to someone you wish you'd never met.

is it a car? why don't you apply some pressure for him to refinance or sell the car and buy a cheaper one he can get a loan for?

you still have a severe amount of exposure... since his credit is already crap it won't hurt him to stop paying tomorrow. that's why reputable lenders won't loan him money to begin with. people can end up in bankruptcy because of this stuff. there may be a bad credit lender who will loan him enough for a beater which it sounds like is all he should be buying.

you can't legally make him do anything with all the stuff he bought because he owns it but i would be trying to get him to take your neck off the chopping block any way possible

[luv]

Originally Posted by bogey

I not fully up to speed on the story. Is he not making the payments at all?

He said he's making last month's along with this month's. He's technically defaulted on last month's payment. I could have them repossess it now, and get a head start on rebuilding my credit. However, he owes me other money besides making the car payment, and it's the only way he has to get to work. Otherwise, I'd have the car sold or repo'ed.

[MOhillbilly]

Originally Posted by luv

He said he's making last month's along with this month's. He's technically defaulted on last month's payment. I could have them repossess it now, and get a head start on rebuilding my credit. However, he owes me other money besides making the car payment, and it's the only way he has to get to work. Otherwise, I'd have the car sold or repo'ed.

for a small fee i know someone who will get him in the black w/ intrest.

[luv]

Originally Posted by little jacob

is it a car? why don't you apply some pressure for him to refinance or sell the car and buy a cheaper one he can get a loan for?

you still have a severe amount of exposure... since his credit is already crap it won't hurt him to stop paying tomorrow. that's why reputable lenders won't loan him money to begin with. people can end up in bankruptcy because of this stuff. there may be a bad credit lender who will loan him enough for a beater which it sounds like is all he should be buying.

you can't legally make him do anything with all the stuff he bought because he owns it but i would be trying to get him to take your neck off the chopping block any way possible

I told him that, if he didn't make the payments, I'd find out what I needed to do to get the car sold. Basically, if he defaults on another payment, I'd have them repossess it or find a way to sell it even against his will. Both of our names are on the title, but mine's listed first. Don't know if that means I have any special rights, but I'll be finding out. I think it was enough to scare him. He started asking me how he was supposed to get to work. I told him he wouldn't have to worry as long as he made the payments.

[luv]

Originally Posted by MOhillbilly

for a small fee i know someone who will get him in the black w/ intrest.

If he dies, the car gets paid off.

Of course, the same goes for me.

[Sure-Oz]

Originally Posted by luv

I told him that, if he didn't make the payments, I'd find out what I needed to do to get the car sold. Basically, if he defaults on another payment, I'd have them repossess it or find a way to sell it even against his will. Both of our names are on the title, but mine's listed first. Don't know if that means I have any special rights, but I'll be finding out. I think it was enough to scare him. He started asking me how he was supposed to get to work. I told him he wouldn't have to worry as long as he made the payments.

Sounds like a real winner....with tons of excuses and won't amount to shit...tell him to ride a bike, car pool etc

[luv]

Originally Posted by Sure-Oz

Sounds like a real winner....with tons of excuses and won't amount to shit...tell him to ride a bike, car pool etc

Yeah, he's completely full of shit. I don't believe a word he says until he actually acts on it.

[Sure-Oz]

I wouldn't give him any benefit of the doubt period, be a hardass about this the whole time.

[luv]

Originally Posted by Sure-Oz

I wouldn't give him any benefit of the doubt period, be a hardass about this the whole time.

Oh, trust me. I've been riding his ass for the past month. Now, I have to be prepared to act on my words. Hell hath no fury like a woman scorned!

[blueballs]

sell off your half of the loan to someone who needs a kidney

[Sure-Oz]

Originally Posted by luv

Oh, trust me. I've been riding his ass for the past month. Now, I have to be prepared to act on my words. Hell hath no fury like a woman scorned!

I'm dead serious, the guy obviously doesn't give a shit about you, picture him degrading you in the worst possible way, no ****ing way you take any shit from him or any dude period again unless you're really insecure. Hardass all the way....