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Old 11-06-2010, 01:03 AM
Hollybear Hollybear is offline
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Join Date: Nov 2010
Location: Texas USA
Posts: 1
Unhappy How quickly things fell apart!!!!

Well my husband and I have worked very hard to get caught up on everything and started to try to fix our credit....

At the beginning of October He took another job (better money, better hours) the only thing is he would be going from getting paid once a week to once a month...

So we had to wait 30 days for his first paycheck, which wouldn't have been too bad as we still had my checks every 2 weeks to live on.

So we decided to wait to pay a few things til he got his check and spend my checks on gas groceries ect ect.

November 1st came about and he didnt get his check. After a run around at his work he found out his job holds his first check, which means he wont see a dime til December 1st.

Now rent is due and several bills are past due and we dont know what to do as nobody can loan us money to get by on and we are about to be served eviction papers....

It just feels so hopeless and frustrated.... We dont know what we are going to do.....

Anybody has any suggestions on what we should do or how to deal with the stress of it all....
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Old 11-06-2010, 02:59 AM
cjscully cjscully is offline
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Join Date: Oct 2010
Location: California USA
Posts: 90
Default Re: How quickly things fell apart!!!!

Quote:
Originally Posted by Hollybear View Post
November 1st came about and he didnt get his check. After a run around at his work he found out his job holds his first check, which means he wont see a dime til December 1st.
Holds his check? Why? I don't know about TX but here in CA that would be illegal.

Quote:
Originally Posted by Hollybear View Post
Now rent is due and several bills are past due and we dont know what to do as nobody can loan us money to get by on and we are about to be served eviction papers....
Again there may be a difference in state laws but here in CA the eviction process takes a bit of time to execute.

That said, here's how I would go about working through this situation:
1. Since the new job is better money and your husband should be getting paid regularly from now on, how long would it take to make up the rent shortfall if you were to slash all spending to the bone and put every penny of additional income toward the rent?
2. Once you work that out, propose the plan to the landlord with an explanation of what happened. You'll pay your regular rent plus $XXX toward the back rent every month until you're current again. Put the proposal in writing and follow it up with personal contact by phone or in person - in person would be most effective.
3. Look for ways to get the money for the rent as quickly as you can in case the landlord rejects the proposal - preferably avoiding payday loan places because in your situation that will likely put you in an unending payday loan mess.

Last edited by cjscully; 11-06-2010 at 03:18 AM.
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