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| We have had a couple of yelling fights. They only last about 5-10 minutes but now our manager is telling us that she will give us a 30-day notice if it happens again or my husband has to leave.... |
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 Help Me Please? |
| I got a house in my name. My brother was a Co-sign. He filed for bankruptcy. Can he filed for that and I'm the account holder? If so, he let it go backk as a repo. Will it show up on my credit?... |
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| Ok I went through a bad divorce, bankruptcy, forclosure on the home we lived in. Three years later, I got a few some personal loans, a new car loan and 2 credit cards(they only have very small usage).... |
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 IMPORTANT MORTGAGE FORCLOSER QUESTION. 2 people on Deed, but only one person on mortgage - Can Bank Forclose? |
| Due to loss of income my wife and I are looking at foreclose. We both have been unable to acquire new jobs that will pay near enough to sustain us. We are almost 6 months behind and have already ... |
|
 Could I afford to buy a house (or a condo or some other dwelling) on a yearly gross income of about $38,000? |
| I live in Silicon Valley and I currently rent. I am single and just curious if it would reasonably be possible. Also, I only have about say maybe $4000 or $5000 I could possible use as a downpayment.... |
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Why are real estate sales so SLOW now here in Miami?
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I've stopped paying my 2 mortgages because I just can't
afford it anymore since one of them went up by a thousand
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... |
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| tenant made a police report, but did not tell me of damages for over one month. The toilet & 1 window was broken and a few small holes in bedroom walls. Is it the landlord or the tenant who is ... |
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 Mortgage lenders? |
I'm looking for a good Mortgage Lender for a new home purchase. Does anyone know of a good one? I've tried quicken loans and country wide. Lending tree sucks!
PS. If anyone ... |
|
 If you are a landlord, would you rent it to family, relatives, and friends? |
| I have bad experiences renting to relatives because they tend to take advantages of me. If they don't pay you late fees and rent, it's very uneasy to ask them because they will take it ... |
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 Standard real estate agent comm is 3%. If I offer buyer agent 6% will I get much more traffic? |
| My listing agents have underperformed. I am highly motivated to sell my home. I am experienced and willing to "sell by owner". I'm wondering if double commission idea has merit/... |
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beetlejuice_4094 | Which will mess up my credit more....bancruptcy or letting my house go into foreclosure? |
|
 |
 
Destiny Angel
 |
Both routes are going to give you a whole lot of headaches for a good number of years - at least seven years but probably more.
However, foreclosure will only stop you getting mortgages and other credit-related products in the future. Bankruptcy has implications for your right to be a company director or shareholder and might even affect things like your immigration status if you decide to retire abroad later in life.
Look at all the possible options before you decide what to do. Rent rooms in your house, convert the garage and rent it as an apartment, sell storage space in the basement, sell the house as quickly as you can - anything to avoid bankruptcy or foreclosure if you can.
You might have to accept compromises or a lower standard of living for a while but at least you will be able to go forward without the stigma of either of these options around your neck.
Also remember that filing for bankruptcy takes time to file and you might just end up having a foreclosure notice slapped on you before the proceedings are enacted - so time it carefully. If the worst happens in this case, you will have a foreclosure AND bankruptcy - not that you really don't want!
There is lots of good advice about debt and bankruptcy over here: http://www.debtsteps.com/bankruptcy-facts.html
Good luck,
J |
|
WG
|
Foreclosure. Bankruptcy erases the slate and you start new and clean |
|
:)
 |
Bankrupcy is the worst- There's gotta be some help out there for you so you don't foreclose- Is your house on the market? Maybe you should have an auction and try to sell quickly- |
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acermill
|
Either one or both will seriously affect your credit in a negative fashion. Both indicate your inability to handle debt properly.
With a bankruptcy, your past financial obligations are, for the most part, removed. However, it will be years before you are allowed again to incur debt, due to the bankruptcy on your record. |
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*****
|
Bankruptsy, for sure. |
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wildcougar33
|
Either one is just as bad |
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WeRuleTheSchool
|
Foreclosure is worse, but its hard to declare bankruptcy. |
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stoing37
 |
bancruptcy |
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Ron M
 |
both will mess up... your life. |
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excelcarpet
 |
Yes. |
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