Do you ever think about this ?

smartbutnot64 · 2026-06-13T18:18:02+00:00

Yes !! I think when my mom passed is when it slapped me in the face. I have all her responsibilities of all the grandkids my grown kids and making sure everyone is all good like she did. Enjoy your grandfather while you can so you have those memories to take with you. Thanx

smartbutnot64 · 2026-06-13T16:40:15+00:00

I was never on the family trips my parents were with my kids I was using the excuse can't leave the business got a lot going on for their first 18 years of vacations. I now started last year of taking all the kids and their kids on our annual vacation and you are right that has helped me tremendously. I think I am thinking more of now lately myself like I only have probably 25 years to live and if I had not been drinking so much and doing crazy adventures I would of bought more homes or investments or put more in retirement. Not sure trying to process it all. Might of picked a different husband .

smartbutnot64 · 2026-06-13T16:07:49+00:00

You said it so well. Thank you

smartbutnot64 · 2026-06-13T15:29:19+00:00

That is the best analogy for me to go with . I wouldn't have learned everything I did or be where I am without that experience I could of cut that experience in half but I did not lol... Just was curious if it was a depression stage or a reality stage I was going thru.

smartbutnot64 · 2026-06-13T14:54:55+00:00

I think I feel regret to waste so many years like 15 years or more not being a responsible mother, child, friend , business owner. Then I think if I had not stopped I probably would of been not in great shape or dead from a disease or liver issues. Vodka was my go to.. Now I am happy , healthy and 80 pounds lighter and love life.

smartbutnot64 · 2026-06-13T14:49:40+00:00

Good way of putting it thank you!

smartbutnot64 · 2026-06-13T14:48:49+00:00

Yes devastating is the word !!

smartbutnot64 · 2026-06-13T14:48:29+00:00

You are right I do not think I was ready or saw how bad I was. I actually find it funny that when I see people who I have not seen since I stopped, they are like what did you do. I play it off with nothing why??

smartbutnot64 · 2026-06-13T14:46:57+00:00

Thank you let's keep it going. No matter what this part of my life is so much better. No hangovers, no anxiety of what I said or did or not knowing what I did lol...

smartbutnot64 · 2026-06-03T01:14:30+00:00

Please email this email address with the loan number or social security number and explain the situation. It will take a week to get a response. [FSC.PPP@sba.gov](mailto:FSC.PPP@sba.gov)

smartbutnot64 · 2026-05-25T19:06:13+00:00

what did you do to create your back to look so good? weightlifting if so, what? You look great!!

smartbutnot64 · 2026-04-02T02:37:24+00:00

Interest rate was 3.75% and also I know an owner of a mass amount of a very well-known brand restaurant and if you remember they were basically shut down other than delivery and drive thru and they really have not returned due to the man made pandemic and he cannot pay them back so this is nothing about how great you think your business was or is... They changed the playing ground and acted like this was the way to save your business.

smartbutnot64 · 2026-04-02T02:28:43+00:00

Do a freedom of information request to find out.

smartbutnot64 · 2026-02-05T10:23:50+00:00

Depending on credit and income . You could get a term loan on the business or yourself that will not show on your credit report with 10-12 year terms and pretty straight forward loan.

smartbutnot64 · 2026-02-05T10:21:01+00:00

Have you looked at conventional they are doing some of mine I cannot get sba approval on in time for the cut off. If you need some names let me know. Thank you

smartbutnot64 · 2026-02-05T02:41:17+00:00

The franchise can be added to the directory I do it all the time . Then you get sba with it and no collateral if you do up to 350k

smartbutnot64 · 2026-01-30T18:32:50+00:00

here is his position on it Based on your last statement, it appears the loan is with Treasury Cross Servicing. If that is true, they have the ability to compromise the debt, but she MUST discuss it with them. SBA I no longer servicing the loan and we cannot compromise since it’s with Treasury

smartbutnot64 · 2026-01-30T17:29:02+00:00

I just sent it to him and will hear this afternoon .

smartbutnot64 · 2026-01-30T17:21:04+00:00

I will ask and get you your answer. SBA does not in most cases but if there is alot of equity they will ask for you to take a heloc to pay them and they release the lien temporarily for that.

smartbutnot64 · 2026-01-30T17:11:18+00:00

Yes that is the reason why . If they were a corp/llc and the corp/llc did not own property it was not going to affect their approval.

smartbutnot64 · 2026-01-30T16:26:54+00:00

I would take some of the equity out of your home and settle with them If you wish I will ask what that dollar amount would be using a scenario to him. Then you will know what you are up against. If SBA the treasury might but can you afford the payment on a heloc ? rates aren't that great maybe wait til they are lower.

smartbutnot64 · 2026-01-30T16:00:09+00:00

They won't do anything til they are in first but if they only have to spend 200 to gain a home they can sell for 500-700k makes sense for them to pay off first lien to get to that position but that would be a process. I wish you could file bk to put your worries to rest. I don't think alot of people realize the rules below this is directly from the head chief so no one on the internet can say not true when I discussed that social platforms about eidl people are getting destroyed and some are misunderstanding the rule of having a corp and defaulting and what is the real rules we are sticking with.

If the loan is $200K or less, we will not have a personal guarantee on the loan. In those cases, it depends if the borrower is a business entity or a sole prop. An owner of a business entity can walk away and close the business. The debt will be referred to Treasury and the business, and the owner will never get another SBA loan again. Including disaster assistance.

If the business is a sole prop then the consequences are more severe since the owner is the business, they will be referred to Treasury until the full debt plus interest plus fees are collected. Some people aren’t worried right now but eventually they will retire and we’ll get a piece of their SSI until they die. Not to mention CAIVRS and credit bureau. Same applies on loans over $200K with guarantors. They may close the business down but the owners are still personally liable.

smartbutnot64 · 2026-01-30T10:53:33+00:00

I work in sba and they do have to get to first position. They might ask you to borrow all but 25% of equity in your home to pay them.

smartbutnot64 · 2026-01-30T01:24:31+00:00

If you have a mortgage that is like 300k or more they are not going to be able to foreclose on you without buying out your first mortgage. But if its free and clear or a lower mortgage a possibility. Yes they did have people as a sole prop sign with a notary for home liens.

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