Help went from 2 incomes to 1
Date: Fri, 06/25/2010 - 00:38
My boyfriend and I own a house, since 2001. He has been unemployed for 1 1/2 years he worked in the water ski, wake board, and building boats for 21 yrs. There is no positions we can find for this employment right now. The last place he worked went out of business 2 yrs ago. He was making around $16.00 hr. He started working at a production position 1 week ago at $8.75 hr better then $0.00 an hr. We have been living off my income and really not making it. But surviving. I keep up on my credit card payments, but he hasn't been able to make his. I did pay some of them at the beginning. But couldn't keep it up. Yes we had to live off the credit cards for a while also. But cut everything back and only used them for gas and food thinking he would get a job soon. But now the 1 credit card he had is calling 4 to 6 times a day it's only 1 credit card company. I'm sure you know the story if we had it we would pay. All these years we have never not paid a bill late or anything. My concern is we have been together 17 yrs. Our house is in both of are names. We are not married. Can a unsecured credit card put a lien on are house legally? With my name on it and hurt my credit rating because of it? As soon as he starts getting payed we will be able to pay them something every month. We both always had great credit and back up money in case something happen but it's all gone now we are hanging on by a thread. We never thought it would be so hard for him to find employment. If you know a way to pay them so they are happy and we are able to get by on the basic's like we have been. We would appercate any advise. LOL I've even lost weight because we have no money for food. Sorry I have to LOL or cry and I cry a lot more then laugh. We have never been in this situation before. We have cut out all extras TV, eating out haven't been out to eat for over a year, lot's of stuff anything extra we cut it. I keep the Internet because we need it to look for more jobs for him. This new job is temporary only till November. I even went to are local library to see if I can stop paying for the Internet and get it for free there. But you have a 15 minute time limit. Sadder we went to are local food bank for the first time. My friend said I had to have proof of every one living in our house and proof of income so I took everything waited in line. I was told since I'm not on food stamps or DSHS I couldn't receive any food. I thought they had it backwards and told her I don't receive benefits. I work here is my paycheck stubs we have my boyfriend, his sister who had become homeless and we are living off my pay only. She said no, you have to be on food stamps or DHSH to receive any food. I don't get it. The people who receive free food and help for not working get extra help and the people who work and support themselves are screwed. When we need just a little help. She said I could go to a church down the street. They maybe able to help me so I did, again took all the paper work and my pay check stub, this was before my boyfriend got his job. I do make $19.00 an hour but I support 3 people on it, pay the mortgage, PUD, Water and the couple credit card bills I have. But no. I told them I have 1 can of tuna fish and 1 can of Cream of chicken soup. I had .15 cents in my pocket. If they could give me just some noodles I would have some food for at least a couple days. But no. They wouldn't help. I've never really asked for help before. I help people all the time, volunteer my time, and work my butt off. I'm a Licensed Veterinary Technician. I don't get it. When you work so hard. Don't ask any help and when it comes down to just ask for a little food your told no because you work and are not already getting food for free. We have never taken advantage of are credit. The credit cards I have helped me out since I have never been later or missed a payment. They lowered my interest rate because I called them and explained are financial position. I have tried with my boyfriends 1 credit card but they seem not to care. I ask for them to be patience and work with us. But they won't. Sorry I made this e-mail long. I'm just getting worried and frustrated and don't know what to do. Are main concern is a lien on the house and how do we pay them without all these fees. Please help or give any advise if you can. Thank you so much for your time reading this. If you have any advise please e-mail at [mail id removed for safety reasons]. Sincerely Tami
Hi Tamimickey, Quote:Our house is in both of are names. We are
Hi Tamimickey,
Quote:
Our house is in both of are names. We are not married. Can a unsecured credit card put a lien on are house legally? With my name on it and hurt my credit rating because of it? |
Yes, an unsecured credit card company can put a lien against your house, though it is jointly owned. However, if your name is not there on his card, it won't hurt your credit. The credit card company can put the lien only if they win a judgment against your boyfriend.
Can I know the debt amount? You can try by sending them a settlement letter. Debt settlement lowers the original debt amount by 40-60%. However, debt settlement can hurt your credit score.
Thanks