Well I am bummed!

**Jeanna** · 06-26-2006, 05:27 PM

Hi guys I don't know if anyone remembers back earlier in the year about my father inlaw offering us a house and I didn't know what to do, well let me tell you the story.

First we were told we could live in the house until my father inlaw died and then the house would be deeded over to us. I felt that that might cause some problems so I wasn't sure what to do. Well after telling us that about 1 month later we were told that we were not going to be able to move in because it looked like the house would have to be sold to pay for the resthome bill. We were fine and understood. Well they would have only had to pay if he had lived through June. He didn't. In the mean time we had waited 14 weeks for a septic permit for a manufactered home. It came though last Friday. We had had some financial problems in the past but I had been pre-approved for the loan , so no worry--right? Wrong. I went by the dealership on Friday to pick up the loan papers,which he had had for some time, and there was a page that said we were going to have to pay some bills from when we filed bankruptcy. This is where it gets complicated, some of the debts were sold and others had not tried to collect, or so we thought, anyway now to get the lone they want all the bills cleared, I do know that they are our debts and we have been discussing how we can start to pay them, but there is no way we can pay them all at once, and we might be able to, but do not want to include this extra amount on our loan for it would make the payments to high. So now we are stuck. I take full responsability for the situation, but today all my mother inlaw would say is well you need a home of your own, you really need a home of your own, you are not getting anywhere by renting. As if I didn't already know this.Which brings us back to the house , I kind of a comment about trying to find something we could rent to own, because they are selling Ken's granddads house anyway. But as it stands right now we are just out of luck.

Sorry it was so long. I was needing to vent to someone.

**tbs727** · 06-26-2006, 07:16 PM

So sorry to hear about this frusterating struggle. Sometimes it seems like we can never get ahead.

I don't understand something about your bankruptcy, and if I'm asking too personal a question, please ignore it, but I thought that bankruptcy would clear your debts? Is that incorrect? Is there some way you could go to the collectors with your dismissal letter and show them the debts were released?

I hope you find something that works out for you.

**miss_thrifty** · 06-26-2006, 07:52 PM

We never went for bancruptcy but did clear our over outdated not paid bills last year when we sold our house . Even the ones we went looking for to clear all debt.6 years ago when we rented to own our house, we borrowed to fix it up and also pay old loans( most of them), and then when we sold the house last year we paid everything off. Welll our lawyer didint make sure that it proved we payed a old loan car we gave back ( lease to own). We tackled him 5 times since that, he appologized but we ended up going through the main finance company that pickups everones credits and getting papers to prove we paid it, to the bank, to clear our name. All those years ago it would of been cleared but our lawyer was a idiot. It's all cleared now.

**Kimberlina** · 06-26-2006, 10:55 PM

Jeanna, I know that this probably won't make you feel better, but please understand that I mean it to. (I'm sure it will come out all wrong.)

Your MIL is wrong- owning your own home isn't the be-all-end-all. Renting is a perfectly fine option. Home ownership can be every bit frustrating as renting, believe me.

You will be fine if you continue to rent while you work things out. I know it doesn't seem that way today, because you have had your hopes dashed, but you really, really will be okay.

**Mom23boys** · 06-26-2006, 11:48 PM

Jeanna, I am sorry that your dreams have been taken away, but only for the moment. Can you begin to pay off the debts? I would try to pay as much toward them as you can in order to reach your goals faster.

I am curious about the bankrupcty also. I thought if you filed for bankruptcy that it paid those debtors. Am I wrong? Wouldn't you have some proof showing you filed and that it was paid off? I really don't know much about it as you can tell, but I don't understand why people would file for it if it doesn't do anything for them.

**Jeanna** · 06-27-2006, 07:31 AM

OK Let me see if I can explain. We went chapter 13 instead of 7, which means we were paying back our debts, just not all the interest, and some were pro-rated. Well at about the 2-1/2 year mark my husband had to have some surgery and then my health took another nose dive, so there were alot of other bills coming in. We tried to keep up, but we missed a payment on the bankruptcy and then could only make a partial one the next month and it was dismissed. Well since then we have only been contacted by one of the companies and we did work and pay them off. The others in question --all but 1 have written off the debts, however the mortage company wants us to pay them all---now. We discussed it over the weekend and we know we owe them and will start to try to pay them back one at a time.

Now for the update. After being so bummed, my Father-inlaw called about 8 last night and asked about the terms of the mortage from my husband. Then he called back about an hour later and wanted my husband to come out to his house. Well here is the deal, we can rent to own kens grandfathers house. We will pay an extra $150 a month rent and will have to pay taxes and get insurance, but the savings in electric alone should almost cover that. ( Our power bills in the winter are $400 or above a month here.)

So with all that said I have to say that I feel God was in it. Number one, he was showing us the debts we owe so that we might repay them, number two I have felt for along time that that was the house we were supposed to live in. Then number three, I feel that I am drawing closer to my MIL thur it all, which has never been that close. So as the saying goes it all works for good.