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Having a hard time............... ~Rika~

  Author:  35720  Category:(Prayers) Created:(5/22/2008 8:24:00 AM)
This post has been Viewed (1470 times)

I'm not religious, but my boyfriend and I are struggling right now- we are both in debt and own a "dangerous breed" dog that a lot of landlords won't accept for one reason or another- usually insurance-related or because of their own personal bias. We have been spending the last month being rejected by apartment after apartment because of our dog. We finally found a place that we really like that will allow Bailey, but now our worry revolves around our credit. We just moved back to Pennsylvania in December, so we haven't had our jobs very long, and Cameron owes at least $30,000 in student loans, not to mention my several delinquent accounts [that I've begun paying off, but still I have a bad credit score.] We have the money for the place and want the stability to finally be able to improve our lives- right now, we live in a crawlspace at my mom's house and it's just really not our ideal living arrangement.

If you could keep us in your thoughts or send good vibes, I'd be really appreciative. We're handing in our rental application today and keeping our fingers crossed.

Any words of encouragement or something to ease my mind from somebody who went through a similar experience would be greatly appreciated as well.

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Replies:      
Date: 5/22/2008 8:35:00 AM  From Authorid: 4887    Arika, i've been thru this before and I know how hard and stressful it can be. My thoughts are with you *hugs*  
Date: 5/22/2008 8:50:00 AM  From Authorid: 63241    We lived with his mother for two years before finally being able to afford a place of our own and being young with hardly any credit rating at all it was quite stressful. We finally found a lender who would take a chance on us and it worked out. I hope this works out for you, your boyfriend and your pet. Hopefully you'll find a person willing to give you & yours that place you want. Sending encouraging thoughts your way!  
Date: 5/22/2008 8:55:00 AM  From Authorid: 22275    Of course. I hope this all works out for you.  
Date: 5/22/2008 9:30:00 AM  From Authorid: 62849    It seems like there are few paths offered for people who, even though they are making an honest effort, fell into a bad way financially. I've been there, and I hope things will turn around for you both very soon. Maybe Cameron could talk to the school loan people about some sort of emergency deferment for hardship? Maybe the companies you borrowed from would be the same, if you were willing to pay little by little?  
Date: 5/22/2008 10:28:00 AM  From Authorid: 11240    Sheltering Father, Please Keep this family under Thy Protective Hand and into the place they are seeking. Hope all goes well, Rika. God Bless.  
Date: 5/22/2008 11:09:00 AM  From Authorid: 62100    You know that my thoughts are with you Rika..I know exactly what it feels like..I JUSt got my college loans paid off this past December from my first stint in college which was pre-Kels..so yeah..it's been a while..just hang in there and keep believing in yourself If you need to talk or anything, you know how to get ahold of me   
Date: 5/22/2008 12:35:00 PM  From Authorid: 63011    I have debts, too. I don't think I could afford to live on my own, which is something I would love to be able to do. But, I just can't afford it. So, I'm kinda in the same boat. I'll be praying that ya'll find a place.  
Date: 5/22/2008 12:59:00 PM  From Authorid: 16376    I hope everything works out the best for you guys.  
Date: 5/22/2008 2:52:00 PM  From Authorid: 25390    It sounds like you're working really hard to improve your lives. It'll work out. We've all had to start from the absolute bottom up, myself included. My husband and I are finally getting to a place where we would call ourselves "financially stable." We lived with his parents for 2 years so we could get back on our feet. We've now been back on our feet for nearly 2 years. It's hard to see the light at the end of the tunnel sometimes, but if you keep working for it, you'll eventually get there.  
Date: 5/22/2008 3:22:00 PM  From Authorid: 31531    Rika I'll keep you in my prayers. I Pray things go good for you.>>HUGS>>  
Date: 5/22/2008 5:57:00 PM  From Authorid: 62579    I think as long as you have a good rent history that is all they care about. I think they look at your credit to see if you have debt againt you for a place you rented before.  
Date: 5/22/2008 6:29:00 PM  From Authorid: 42945    Rika you and Cameron sure have my prayers sweetie...I wish you all the best and hope things work out for you...*hugs*  
Date: 5/22/2008 8:48:00 PM  From Authorid: 14909    I've been there done that. My credit is still has a low score. All I can tell you is to be patient. I lived with my mom and dad, yea that went well.....NOT!! We eventually found a place though after 6 months.  
Date: 5/27/2008 6:59:00 AM  From Authorid: 51292    Really sorry to hear this, I know how hard it is. Ill keep you guys in my thoughts, good luck.  

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