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Fayetteville Arkansas hi Stephanie how are you tonight.
I am and -- god what's up how can I help.
I am -- house.
With my fiance.
And but my name is the only one on the mortgage.
And I know that a bad idea in general I've listened -- you could say that.
Basically he he had a job -- another city and has left the state.
And we decided that they -- agent.
I just got -- -- -- about five months ago I'm saying here and I have to get out of the house.
And it's getting harder and harder to.
You know got hold of him and get money from him he promised that they have to -- but.
-- itself is just doesn't need to go I don't wanna be there if there.
-- walking case study on why not to buy our house was somebody you're not married to.
Right so how Canada's name on it but just the mortgage -- -- I'm in no I don't think anything has -- name on it it it -- I was outside all the land and my name is on the mortgage as the house up for -- I'm that's what I was trying to decide.
I try to put it up for sale and I'm talking true real estate agent I -- think.
I would venture.
Because I can't afford it triggered term expired -- I -- the last month I can afford it.
Because I'm gonna have to keep begging him for money basically.
And I'm combatant ticket and they in my life -- -- -- -- and I I'm not -- precious her clothes.
-- -- and I -- -- a ton of credit card that cookie has such -- credit at all and I -- and I used it completely stupid but I didn't believe I was.
Going to marry this man and and and -- -- really wouldn't kick it -- it's so much credit card debt.
It's about 20000.
-- do you mind.
Mike -- had to jump -- about forty but it disparity like I thought how.
And and how much do you -- on the health it's about a 150001.
Is it worth.
I'm not in my real estate agent as saying that we need to look at it like I don't try to try to create -- you -- -- below what you well.
Yet but I can't I cannot pay his head and see I have known fading I have nothing bringing the.
This is called a short sale where you're -- -- short of enough to pay it off and the mortgage company has to agree to accept the offer.
That is -- less than you low.
-- so you put the house on the market today.
I am on a short sale and you put -- -- like cheaper than a 148 put it on down about a 14039.
Yeah let's get a buyer in their quick before you get foreclosed on.
Right OK and then you get you will quit paying the payments because you that I.
I played -- I -- pay my mortgage.
Contact if any money you get out of super group do you put it on your credit cards.
I keep getting -- keep having them send money and you keep bothering him.
Boy he can you comment that you would help.
I know he promised Lotta crap what you Joliet state -- -- but.
I don't care about -- promises on what you ride herd on this kid and get some money out of him to start -- on the credit cards as much as you can.
Meantime you live in this house for free.
The -- -- and the payments.
I cramped and use all of that money to attack credit cards and to walk -- your baby steps.
Mean and then finally some guy comes -- gives you an offer of a 137000.
You accept that offer.
Contingent upon the mortgage company accepting it because you can't accept -- they have to go along -- right.
Exactly your real persons after the mortgage company they approve that when they do they let you out of the difference.
You're not in the hole with them.
Right okay now this just to the left of a foreclosure this is gonna drop an atom bomb on -- credit.
But it is much better than a foreclosure because they won't trade issue for the difference.
Right OK and then you're not have to fight your way through the credit cards and I think you can make it out of this.
Okay it's issued -- -- -- lawyers say anything about you know.
Messing with him or any yeah.
I mean yeah yeah it's good money after bad I'm not lost some of those I'm just gonna make him make his life miserable to the -- he doesn't -- Route but you know I got -- collecting money on this guy -- make that much money.
It's in another state you to spend 101000 bucks in the lawyer's fees Jason that countries found 2000.
I I just you know I'm sorry but you've got -- Yeah I hit and and it's gonna leave -- just to the left of a foreclosure on your bureau and it's gonna take you year and a half two years goes credit card debt.
And you know the benefit of it is is you won't ever have this happen to you again nor anyone that ever meet you will have this happen to them because you won't yell at them because that's -- -- yeah.
Okay so now we're learning I'm quite sick and how long have you been dating before all this took place.
-- IAA here.
Yeah so I'm you know -- I thought I'd let you know -- sure thing -- it and obviously nothing is.
Well nothing is and so you have to keep things in the right order in the purchasing of houses and going in the credit card debt that kind of stuff is it's not a border and down.
You know you just can't go there -- -- blessings to you I'm sorry.
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