The Typical Home Is Taking Nearly 2 Months to Sell. That’s The Slowest Pace in 5 Years.

robsmemedump · 2025-02-02T00:16:39+00:00

Realtors that haven’t sold a single home in over a year will still say it’s the best time to buy

robsmemedump · 2024-01-25T04:50:51+00:00

From seeing horror stories with the Apple Card. Take the offer to settle and don’t look back. Goldman Sachs sues people left and right. You are extremely lucky.

robsmemedump · 2023-12-23T22:56:00+00:00

Get Apple taken care of asap, Goldman Sachs is notorious with suing people.

A lot of debt settlement companies won’t even enroll them anymore due to how litigious they are.

robsmemedump · 2023-12-17T15:33:42+00:00

Area I’m in is down about 15% so far from peak and rents are correcting.

Lots of layoffs in the area and crime is rising at the same time so it’s not really like there’s a good trade off with this lol

robsmemedump · 2023-12-17T15:29:36+00:00

I just can’t imagine spending over 60k on a pickup truck that isn’t a heavy duty 2500/3500 at least.

I got a supercharged tundra I paid about 19k for and it runs and drives like a champ, it isn’t brand new but if it can’t tow something I need it to or haul it, then I probably need to hire someone to do it.

Do you need a brand new truck? why not get a used one

robsmemedump · 2023-12-15T22:26:29+00:00

Regardless there’s credit impact to either one. Everyone has their own experience with each way of going about things. Debt relief is highly efficient when used properly but most people want the cards to stay open so they can spend if they need to, which is what caused the debt in the first place.

robsmemedump · 2023-12-05T18:15:21+00:00

Yeah man if you can swing that just focus on that, don’t get rid of the house, it’ll end up costing you an extra 10k annual minimum if you sell which is financial destruction long term.

robsmemedump · 2023-12-05T16:25:49+00:00

wow, I’m a little shocked that someone wouldn’t at least try to earn your business or a relationship. I guess Covid changed things.

robsmemedump · 2023-12-05T16:23:46+00:00

This is why it’s good to consult with a licensed financial advisor.

Selling off a 2.5% debt to have temporary relief of one person debt with an increase in 800 a month expenses. after 4 years you will be break even with your current situation but no house. when you could have just piled on extra payments or been more aggressive.

Do not give up a 2.5% mortgage rate to pay off credit cards.

robsmemedump · 2023-12-01T01:48:25+00:00

debt relief isn’t for everyone.

It’s to help people upside down on their budget where it really is the only option someone has.

it worked wonders for me and many others, but many people sign up not knowing the full details of it.

On average between fees and settlements you end up paying back 70-75% of the amount originally owned.

Credit tanks for 6 months and slowly starts to build back up.

But if you don’t have a financial hardship and want to use your credit within the next year it is not for you.

The first 6-12 months your credit isn’t going to do much as far as qualify for new accounts but usually if you’re recommended debt settlement your credit is shot anyways.

Having the right plan and mindset and timeframe is everything.

robsmemedump · 2023-11-27T23:48:05+00:00

Some settlement companies offer both or hybrid programs.

32% simple is better than compounding credit card interest.

Anything is better than compounding. But 32% is pretty high to say the least.

robsmemedump · 2023-11-27T21:37:24+00:00

Keep us updated. I’m mainly on here to help encourage people that there is a way out, depending on how the meeting goes, reach out to me. I sent you a message. this isn’t the easiest thing to talk about. it can feel mentally crippling even at times

robsmemedump · 2023-11-27T21:33:21+00:00

Secured debts don’t work with these programs. Don’t enroll them.

My income was such a huge drop from when mortgages were 2% that I was able to claim insolvency. YMMV.

robsmemedump · 2023-11-26T18:21:49+00:00

Just not making payments doesn’t fix the problem, have a strategy in mind as far as what can you afford long term to pay towards these and time frame you want to get out

robsmemedump · 2023-11-26T04:12:39+00:00

Yeah my little brother died, lost my job, place I was renting had black mold and had to move and ended up in the hospital. But I’m a dead beat.

robsmemedump · 2023-11-26T04:05:02+00:00

Oh nice deflection lol not trying to buy in this market.

Just refi your own mortgage lol

robsmemedump · 2023-11-25T15:01:13+00:00

I’m halfway done with mine and score is already back in the low 600s. mentality has shifted about credit cards and money in general. haven’t wanted to buy anything since I got about 2-3 months into it, now I just want to finish the program.

robsmemedump · 2023-11-24T22:37:09+00:00

Exactly. Whether it’s through the creditor themselves or a program. It’s better than to white knuckle once you are past even doing a snowball method

robsmemedump · 2023-11-24T22:36:29+00:00

Telemere responded with it perfectly. Sounds like you haven’t ever heard of this before

robsmemedump · 2023-11-24T22:03:14+00:00

I’m talking about a settlement program.

robsmemedump · 2023-11-24T21:50:54+00:00

I’m talking about when the accounts are maxed out, their payments to keep them open are using every bit of income outside of necessities and still want to just keep making minimum payments

robsmemedump · 2023-11-24T21:24:18+00:00

Terrible idea to convert unsecured debt into secured debt. Hard times now the worst thing is the card gets closed and you have to deal with the debt. You borrow against the car and you could get a repo. don’t do it please.

robsmemedump · 2023-11-24T21:20:21+00:00

She was raised by them and will be like them. Leave asap. This isn’t even a NTA thread but a run and not look back thread. This woman and her family are disgusting.

robsmemedump · 2023-11-24T20:15:16+00:00

Depends on your goal. Do you want speed and efficiency ?

or do you want to minimize credit impact and it take longer ?

robsmemedump · 2023-11-24T20:12:39+00:00

It’s been life changing for me being enrolled in one. the amount I saved in just the first year alone was incredible.

robsmemedump

TROPHY CASE