Thinking about killing myself but tbh to piss you faggots off I won't even entertain the idea but just post about it.
Anyways, I'm drunk as shit and feel like typing some bullshit. So the whole story is my mom took advantage of me and made me buy a house for her under the conditions that she pays for it and I obliged. She's my mom after all. Fast forward a year and she's already ruined my credit by defaulting on the payments for months. I caught everything up and upon beginning the process to sell the house and begin eviction proceedings, I find out that she has gone behind my back somehow and put herself on the deed. To the layman, that means I cannot sell the house without her approval too. At every possible turn she is screwing me completely. I paid out to the tune of $4500 to catch the house up and I even paid $3300 to take her car out of repossession proceedings because I happen to have my name co-signed on that as well (I helped her get the car after a drunk driver wrecked into her at 110mph).
Well I quit my job because I'm sick of it all and I just don't have the energy to continue anymore. How much would a lawyer cost to fix this problem for me? I'm a big pussy and everything. Nothing will fix this and I am tired. I am so tired. Thought about enlisting in the military and I got turned away due to my credit issues now. I am a loser according to the military as it turns out. I went from having 750 credit and being a prison correctional officer to having nothing to my name and I'm being dragged down by my mother.
tl;dr - i'm getting screwed by my own mom financially and have no idea how to fix this so i'm posting on here to have a bunch of autistic idiots say i'm a dipshit and i should kms. thanks for reading and have a nice fucking day. i'll be posting memes in the mean time.
Big sad, just move and work under the table somewhere
Austin Hill
Thought about it but I have nowhere to go. I was thinking about Oregon but I know that's a pipe dream. I just want to disappear to be honest and have people think I'm dead. I wonder what the process is like to become Amish.
Fake an illness and tell your mother you won't be able to get treatment for it fue too bad credit so you are going away to die alone. Maybe she will agree to sell the house.
Gabriel Hughes
This is the most sensible answer and approach to this but all that's required for me to do this is time and money. If i went to work again for a prison and worked massive amounts of overtime I could probably wing this and separate myself from this problem which makes the most sense. i'll consider it...
i've openly told her that this is causing a bunch of trouble and thought about offing myself and it doesn't affect her. i'm beginning to think she only ever gave birth to me because i'm like an insurance policy to her. she even explicitly told me to place her on my life insurance policy as 50% if i ever died at my old prison... that shook me to my core
Aiden Murphy
Sounds like she popped you just for the sole purpose of exploiting you. Does she use drugs? Did she molest you?
Noah Perez
no on both. she is bipolar - pretty sure about that. She's always taken good care of me and helped e when i needed help especially after the divorce many years ago. i ended up living with my dad. i got a good career that paid the bills and she jumped in and asked for the house and if i could help her buy it and i agreed. didn't realize it would cost me everything but my sanity.
Jordan Murphy
Burn the house down with the both of you in it.
Matthew Robinson
Is your mother a bad person? Just be honest with us user it will help thing move along
not a chance, i pity those who do things like that but that is not the answer.
she is but she is also beginning to shake my confidence in her, unless maybe she has been playing me my entire life. she has been attempting to re-write history against my father who is a saint and lies a lot. does this make her a bad mother?
Cooper Cox
you should fuck her , like take your penis and rape her my dude !
Your situation is fucked user. The only way to un-fuck it is to cut that cancerous bitch out of your life or like a tumor she will destroy you.
3 options:
1) Make a plan to move away. You said Oregon. If you mean Portland prepare for disgusting libtard hipsters. If you mean Eastern, the country is gorgeous. Either way just pick somewhere and go with that. You can change your mind later. Stack some cash. 5,000 at least. Sell all your non essential shit. Decide if you can pay off your debts or not. It's better if you can but if you can't so be it. Say fuck it, no price is worth your sanity. Better broke than dead. Take your clothes, you're $5,000 and go to Oregon. Find a cheap place to stay and any job you can get your hands on. Start over. Learn some skills, make some friends, network and move up in society.
2) kys
3)post nudes of your mom
The choice is yours but I think you should take #3
Nathaniel Rodriguez
Listen user we cant really help you it's you who gotta do this, Listen I think I know a way you can help your self out of this situation and get to a comfy area in no time
yeah this is only the start, i can't imagine having to put up with this bullshit for 40 more years. i might just cut my losses and move away... far, far away. i feel like peter in office space. Can't stomach Portland because where I am now is just as liberal. East Oregon is really nice. How do I go about cutting ties with my mother? Change my name and move abruptly? My credit and reputation are still on the line with this house.
kek but that simply won't cut it, i have a conscious unlike her. can't stomach the thought of having to look over my shoulder 24/7 in fear. not sure how sick murderers do it - i guess they find peace once they get caught and sentenced to prison. always wondered about them when i worked at the prison.
Shit thee not, your story reads damned near like my wifes cousin.. Correctional officer and then ICE.
You have to disown her, and never allow her to contact you even indirectly ever again.. As far as the debt, if she's on the deed, depending on the state and how you configured things you could come out ok, or credit fucked for at least 7 years after a bankruptcy. Consult an attorney, hold nothing back, give all details.
Yeah. Totally sucks when a parent pulls this shit, but it's a common story. Treat family like strangers in matters of property and money.
Painful lesson, but you learned it. Now get your shit together and have a lawyer eat her lunch.
After this, your heart will pump pure piss and you'll never let anyone pull shit on you again. You can look them dead in the eye and say "bitch, I evicted my mother, fucking your life up will be simple."..
I'm out.
Cameron Adams
Best of luck fellow user
Nicholas Lopez
Move abruptly when she leasts expects it but don’t rush. Move ONLY when you are absolutely sure that you have enough cash. I feel like the more you grow older the more you’ll realize how much she has been playing you for your entire life, just forget about her and cut ties as soon as possible. Think of it like removing a deadly leech user.
Adam Williams
Easy enough if she has anything proving she's the primary resident and if it wasn't a warranty deed.. The latter is highly unlikely if financed.. She likely pulled a squatter move. I'm top notch on Texas real estate law, but shit holes like the left coast where OP seems to be are legal nightmares.
Bentley Long
Yeah, the shit of it is - if I file bankruptcy, the state pulls my correction certification and I can't be a C.O or apply to be a police officer, local, or federal anywhere. I have to figure shit out.
How is your wifes cousin doing now?
playing tricks. she's good at it and i'm convinced she had someone at the closing office switch papers on me at the very end. do not ever digitally sign anything when you are half asleep from working a 16 hour shift involving inmates.
Wyatt Thomas
He can't out run the creditors. If he skips out on debt that way, he'll likely lose his law enforcement licensing. He sure as fuck will never advance beyond prison guard, a piss poor paying job.
Now if he is ok with ending his L.E. career, then, maybe.
Adrian Phillips
what's even better is (according to a friend - I am a unsophisticated buyer) so I filed for a FHA loan and i don't even live at the house. it's such bullshit and every twist and turn puts me further in the hole
Adam Gutierrez
He's got 7 kids on his second marriage, they got a few acres and a nice house.
He sells cars now. He's gotta be clearing over $160k a year to keep it all up.
He seems happy, but seems and is are often different things. That's just my gut talking but my gut has only been wrong twice my entire life.
Get that lawyer, pull some OT and get ready for a long war. Be prepared, she WILL pull your emotional levers.
Stay frosty.
The cousin sells cars because his life became such a chaotic train wreck, he crossed a few too many lines to keep up.. You see, his first wife was alot like his mom.. Watch the fuck out for that.
Good luck Yea Forumsro.
Levi Clark
Tell her straight up you want to sell. If she says no, say you're going to default on the loan then and it will just get repo'd. She'll change her mind real quick because she'll realize she gets nothing if she doesn't sell. If she's batshit crazy and.wont sell out of spite, burn it down.
Christian Jones
Check it out: You gotta handle her from here on out like you handle the inmates. No trust and you can bet they'll gut you the second you see them as anything other than the threat they are.
Think about it. How is what she did any different from an inmate that managed to exploit a staff member?
Handle. Your. Business.
There's gonna be loss, she got you that much. But you can at least stop the bleeding. Go at this no mercy style.
Those inmates all have attorneys, hell, you know what those law library dwellers can get up to. You do the same. You get an attorney and you find your options.
Just get through this and within 5 or so years you're good to go.
Jason Taylor
I don't know what state you're in but ask the bank if you can do a deed in lieu of foreclosure. Will it affect your credit? In general, while your credit score might decline as much as in a foreclosure, the overall negative effects are usually lessened. For example, while the deed in lieu will remain on your report for seven years, you'll usually be able to purchase a home two to three years after the event occurs. Maybe this will not affect your L.E./C.O. status. You can also seek other jobs. I run heavy earth moving equipment and earn over $26 an hour. In the South, that's good pay. Good luck user!
Robert Sanchez
Hope is on the horizon. Glad to hear he's doing alright after everything.
It was hours away from being foreclosed on - without my intervention it would've happened anyway. I believe she plans on squatting in the place. Totally took a turn for the batshit crazy within the last 12 months.
Absolutely right. It shocks me to my core that I have to equate my own mother to dealing with an inmate (i've thought of this before, too) but it's what has to be done. Fool me once shame on you... there won't be a twice.
FL if it matters. I just want this to be done with and over. The house itself is about $88k for the pay-off figure. I'd love to put the thing on the market and take a loss of $20k if it meant dropping this house like a hot potato. I'm sure I'd still owe money but I'd be willing to pay back in payments if it meant not having this loom over my head like a cancer. I'd love to find another line of work, the shit she put me through and having to leave makes me feel like an invalid.
Colton Anderson
Deed in lieu of foreclosure means you're out from under the loan. No requirement to pay the difference. But...it is possible you could be taxed on any forgiven amount. You said Florida, home values are pretty good there. Chances are you may have some equity. In my case, I was underwater but didn't owe taxes on forgiven amount. I also got $2,000 for getting out! I think you should at least check into it.
Leo Hughes
Thanks for letting me know about this. I am probably going to be making a payment on the house again pretty soon to keep it current. Can I still do a deed in lieu of foreclosure if it's current and up to date? I'm sure there's some equity, I'd have to get the house appraised but as of last zillow pricing, it seems to have gone up $20k.
Jack Jackson
My opinion is don't make any more payments. And if you apply for the deed in lieu, the bank does an appraisal.
Benjamin Hughes
I'll check with my bank to see what else is required. thanks for dropping this info user. you probably saved my life.
William Perry
Hope it helps, man. My bank told me about it. They'd rather do that than a foreclosure as foreclosures costs the banks quite a bit to do. And I hate to hear your story about your mom screwing you over. My wife had a bad relationship with her mother. She basically cut all ties with her and her sister. And she's happier for it. Sounds like you might have to so the same. I know that's not easy but sometimes close family can screw you up worse than any criminal.
Asher Campbell
Suicide thread here
Ian Baker
It'll help. This is such a noose around my neck, the thought of the light at the end of the tunnel from all this shit is relieving. Thanks, man. If karma is real, I hope you are blessed with nothing but good things.
