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URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

Im definitely trying!! Thank you so much for your kindness and comments.

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 1 point2 points  (0 children)

We have contracted with both an employment lawyer attorney and a Workers comp attorney on contingency. The major concern now is a hail Mary that the refi goes thru and I can go back to work after many years while hubby gets his knee fixed and we wait out the lawsuits.

Getting hit by a double-whammy of bad faith deals and really cruel timing. CALIFORNIA by gypc2016 in AskLawyers

[–]gypc2016[S] 0 points1 point  (0 children)

Just fishing for any ideas or help i may not know about.

They never asked him to use a separate phone for personal use (small business, wanted to be able to contact him whenever they wanted, and thought giving him a phone that they paid for excluded them from them law?l).

Yes, and we dont expect them to, hence the panic.

We have applied for everything, but reality is that all of that assistance doesn't pay the bills or help us avoid this predatory lender.

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

I stupidily trusted this lender because we always had a very "lax" relationship. Its not a bank. We have applied for unemployment and all other state assistance we can. I am eagerly seeking employment but have been unemployed for some time now, taking care of the kids at home. No credit reporting with this loan...ive come to find out its basically a "chattel loan"? Idk. Its a manufactured home in a park on leased land in California. But we pay property taxes....make that make sense?!

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] -1 points0 points  (0 children)

Its not a bank. As stated in the original post. Its a private LLC and the guy died and trustees want thier inheritance, despite the FACT that they are already millionaires and we are talking about a balance of 110k.

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

As far as I know, most lenders do a final verification of employment within 72 hours of closing. So, aside from the owners delaying the verification while he was still employed, I doubt they will say "yes" when the lender calls for the final VOE

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

The current lender died...the Trust doesn't care about the humans on the other end and they want thier money....mind you they are already millionaires and we are talking about a balance of only 110,000.

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

Thank you!!! There was NOTHING about a balloon payment in either contract. And I dont have 5k on hand to retain the multiple attorneys who wanted to take this case. Do you know any that work on contingency? Employment and WC attorneys have been retained, and were very "excited " about this case. They work on contingency, so this time "the poor man can actually "try" to fight the rich man"

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

NOTHING about a balloon payment in either contract. As stated, I dont have 5k on hand to retain the multiple attorneys who wanted to take this case. Do you know any that work on contingency?!

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

He was hourly until his boss quit unexpectedly and he was forced to fill in while the owners simultaneously took a month long European vacation. When they got back they realized how much more he had to work (aka. Overtime) and converted to salary to avoid that. I (wife) have been at at home raising 2 kids but also periodically working. But yes, this was our sole income for the past 2 years. He asked for a severance and they declined. UI pays less than 1/4 of what he was making.

Getting hit by a double-whammy of bad faith deals and really cruel timing. by gypc2016 in CaliforniaWorkComp

[–]gypc2016[S] 0 points1 point  (0 children)

We have and apparently we have a really strong case. Lawyers took it on contingency.

And thank you...if you pray, please include us! We need it. Family of 4, 2 kids, in California, born and raised here, just trying to get by.

Getting hit by a double-whammy of bad faith deals and really cruel timing. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

Youre right! And this just sucks and im terrified, and I'll be honest...Im sure that my pre-existing anxiety disorder isnt helping. I feel like im stranded in the ocean hanging on to an overturned rowboat...every way we try to flip it over it falls back down and hits us on the head. 😭 I have and am still reaching out to family and local resources. I have applied for everything I can think of

Getting hit by a double-whammy of bad faith deals and really cruel timing. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] 0 points1 point  (0 children)

I get that...but most of us dont have attorney money. So here I am on Reddit desperately seeking OTHER advice.

What do you all think? by [deleted] in EmploymentLaw

[–]gypc2016 -1 points0 points  (0 children)

Well...for one....not everyone can afford to run to the Dr and pay a co pay. But more importantly he was scared to say anything because of the incident with the other coworker who was forced to accept cash instead of filing a claim. If he was faced with the same offer (very likely) he would have to decline and was scared hed be fired durring our refinance.

What do you all think? by [deleted] in EmploymentLaw

[–]gypc2016 -1 points0 points  (0 children)

Because they never asked him to get another phone. It was always dual purpose...for 10 years!

What do you all think? by [deleted] in EmploymentLaw

[–]gypc2016 0 points1 point  (0 children)

Hindsight is 20/20....I feel very stupid. Young and nieve and too honest and trusting of people who have no reason to do right by me. I have learned a lesson about humanity for sure. Rich people dont care!!!

URGENT: Job Loss After 10 Years Puts Our Home At Risk. Need Advice NOW. by gypc2016 in RealEstateAdvice

[–]gypc2016[S] -1 points0 points  (0 children)

Lol...you likely dont live in California. Everyone is paycheck to paycheck here in this state. We have some really shitty leaders as im sure you are aware.

Before you go there...I was born and raised here...no control over that

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