Big trouble here,I took a lease on 2yrs ago to take on a carpet cleaning business the repayments were too high
551002
Is this with a bank? or an individual? \nUnfortunately, this is considered a "high risk" industry, and therefore, the bank will most likely decline any funding if your credit rating has deteriorated, and the net worth & net income of the company is not showing profits. \n\nYou need to talk to the person, and ask them, if there is some way you can discuss other options, than them demanding the loan in full? \n\nFailing this, you need to assess whether you should stay in the business, I know it is tough, but if you are having a hard time paying now, what will change significantly to make you pay later? \n\nThis, may be the toughest realization, but it is what you need to consider.  \nI am not sure what you signed as security for the loan, however, you may have some options, and I would approach your Bank to discuss what the options may be.  Worst case, is bankruptcy, but there is a lot of decisions and choices in between. \n\nGood luck to you.
786978
If you have a good rental history with your landlord he may be willing to cut you some slack.  \n\nTell your landlord the truth and make arrangements to pay in installments every week.
453960
I think your getting hosed. The federal government sets standards for tenants and landlords. You should have received a notice of some sort unless it states otherwise in your lease agreement. Be careful there are some really shady dealers out there and this one might be trying to slip one by you. If you have to contact a lawyer for further advice you might actually be able to find one to advise for free over the phone. Good Luck! J
153527
Go to the RRA... Renters Rights Association. They will handle it! They eat that kinda crap up... I know cuz I have been an apartment manager b4 and the owners where total asses... there was so many things i couldnt do after the tentants were promised things by the owners then went back on em... good luck
694346
Check your lease terms. I am sure that your landlord and manager would understand. Don't forget to give a proper notice in advance.
897310
You are actually better off than people who just break a lease and run.  Because you included the debt owed to the previous landlord as a part of your discharged debt from your bankruptcy, it should not be held against you for future rentals.  Most all landlords will run your credit when you apply for an apartment and a  recent bankruptcy isn't going to look good, but it might be a little better than an unresolved judgment against a deadbeat tenant.  As a safeguard a landlord might require a larger deposit considering the risk of your recent behavior, or you could suggest it to change a "I won't rent to you" into a "when do you want to move in".  Don't harp on the "emergencies" that you endured, but rather how much more financially stable you are today than ever before.
87151
Hi PaintedTiger, \n\n Well you have certainly painted yourself into this corner, haven't you now? I know, I know, bad joke, but hey what can I say? You gave me that joke. \n The first thing I would suggest is that you call your creditors and explain your situation and ask for an extension. You would be surprised how often creditors are willing to work out a payment arrangement with you. If you blow them off or wait too long, then you will pay the price. Call them today!!\n  As for your utilities, gas, electric or heat, there are a number of community programs available depending on where you live. I suggest you contact your local city hall or maybe the library and ask for assistance. If your in a cold climate I know there have been a number of oil assistant programs. Check on those if needed. \n  Well I hope this info helps and please keep a positive attitude, because in the grand scheme of things, this is no biggie, no smallie either.
61930
My husband and I had the same problem two years back for the same reasons. We tried everything, even those ads that say they will loan you money with bad credit. It was a scam and we were out a few thousand dollars so be careful of those. We eventually found a person who was willing to do a land contract or lease to own. We leased the house we are in for two years and then when we bought it the money we paid in rent those two years was the down payment on the house. We went through his Credit Union and it was a fairly easy process. He was a HUGE help to us. So I would suggest that route if you can!\n Good luck and I hope all works out for you!
571398
i don't no how your state works but here in south carolina they don't sue you they just put it on your credit which in some ways are worse than being sued you will never be able to rent again and if the people you are buying your house from happens to call that landlord chances are you may not get your home if i was you i would go talk to the landlord and make some arrangements to pay him and if you have a lease you can be charged for breaking that lease that again is another reason to talk to him also tell him that your house is falling apart put it in writing and take pictures that may help you some and if he is a butt talk to the regional manager explain it all to her or him ,trust me they have the ups on you if they take you to court you will lose i use to manage a 120 unit apartment complex and this is how we did things ,its not worth destroying your credit
853898
They r going to go after property that u have....also, bankruptcy is a pain for the future i've heard when trying to ...rebuild yourself.
38125
My guess is that you bought too high and can't get it back in rent, which explains why you're considering bankruptcy. Other than implementing "the most bang for your buck renovations"- which will likely only lift monthly NOI by $75/unit, unless you have a really upscale property- here are your choices:\n\nStep One:  Talk to your banker about what they can do for you.  If you have a decent financial planner they are a better source, because they know the professional avenues to pursue, help with financing, selling the property without transaction fees.  Don't assume that going to a bankruptcy attorney is the first step.  Also don't immediately call one of those "We buy ugly houses advertisers" 95% of them will rip you off.\n\nStep Two:  If the bank nor the financial planner aren't of any help sadly you have to call one of those credit counselling agencies.   There are several ways to screen them, however they are definitely a buyer beware proposition.\n\nStep three: avoid bankruptcy at all costs.  The October bankruptcy overhaul is a killer.  \nDisclaimer:  I am only offering my life's lessons, not professional advice.
211944
First did you sign that lease ? If you did  you have signed a legal binding contract no matter if you moved in or not .The landlord can carry you to court and charge you for all past due rent plus a cost of a lease break,I would call her (be nice) and ask her where you stand as far as your lease goes at this time trust me I use to be an apartment manager she has the ups on you the cards are in her hands.If she wont talk to you go over her head and call the district manager.good luck
627087
I have a fantastic, totally new concept for you....STOP SPENDING MONEY AND PAY YOUR BILLS. I know this sounds strange to you, but you didn' t 'earn' that FICO doing the right thing. If you do not set about to repair that mess, you will never own anything of value, you will pay outrageous interest rates on any loans you may be able to get on a very old used car, and you will not have your pick of where to live...in fact,, I doubt if you could rent an apartment with that score. Wise up and get to work. There are NO miracles going to happen to save your butt. You got yourself there by not paying for what you took, and you are seriously in over your head. Start today to dig yourself out...it will take a lot of time, but you can do it if you set your mind to it. If you don't, prepare for a lousy life with no home of your own, no nice cars, no...NOTHING! good luck
1034233
they charge high interest charges
930790
And yes, it is unfair.  Just be glad it wasn't a $30,000 car that you learn this lesson from.\n\nBut its too late for that now.  Contact the apartment office and make arrangements to make payments on half.  There are two things to know here: \n1) you are legally obligated to pay it all, but they may be stupid enough to accept half payment especially if you offer cash (get it in writing that they will accept only half from you if it works, and get reciepts for your payments); \n2) in most states they have to accept any reasonable payment arrangements you offer.  Do not put yourself in financial jeopardy because they did not kick your ex out after he missed his first rent payment.  If they refuse your payment arrangements, get it in writing and contact a lawyer.\n\nThere are procedures for removing one name from a lease when moving out.  But the smartest move is only person signs a lease when roommating or living together unmarried (legally).  If the landlord in question refuses to do this, find a different place to rent.  Never get forced into anything as costly as a place to live.  This goes along with never buying a house with a fiance without a legally-drawn, signed and notorized agreement with all parties concerned.  Love is great, but is not legally binding.
9051
The bank would much prefer you to make your payments compared to taking on a property.  Talk to them.  A lot of times they can work out a deal.
282202
If not in writing it's going to be tough to fight it. Unless it was specifically addressed in your verbal agreement they have every legal right to ask for additional deposit. Obviously if you've been there for 10 years you must like the place a lot; probably not worth fighting.