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bad credit loans oregon
Let me preface this by saying that yes...I know I'm a dum bass. Now that we have that out of the way here's the details. I was living with a girl and at the time thought I was in love. She tried to trade in her hoopdy POS on a new car but her credit was so bad she couldn't finance the steam off a hot turd. I tried to co-sign but her credit was so bad that I ended up buying the car outright in my name. About six or seven months later we split, somewhat amicably. She's been very diligent about getting me the car payment every month and has not missed or been late on a payment for car or insurance ever. Two years later she still sends me a check and I make the car payment. I'd really like to get this car out of my name as I'd like to refinance my home but with her car on it my debt to income ratio is retarded and even though my credit is really good and I'm up to date on all my bills (and always have been) I've been denied. I'm seeking insight into transferring the loan to her and having her make the payments directly to the lender otherwise I have to deal with this for three more years. I live in Oregon if that makes any difference. Any help is appreciated and thanks.
The only way for you to get out from under this is if she were to re-finance the car herself.
I won't say anything about your choice, you were in love at the time, no one thinks straight at that time. Most car loan contracts are not assumable. She would have to come up with her own financing & pay off the loan in full. Even when someone dies, you still can't assume their loan, you have to pay it off or settle it. I do probate debt collection on car loans & deal with this question on a daily basis.
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I want to adopt a puppy and this owner seemed really promising. I've been emailing her for a few days now and I'm not sure if this is a scam or not. The previous email was very concerned about the welfare of the puppy and provided multiple photos of the puppy with the owner's (supposed) child. Does this seem like a scam? Hello , Thanks for your response. I must say that am very happy to meet a good home for my puppy and i am very convinced that the puppy will be well taking care of by you.I will like to add some more qualities of the puppies that was not mention in the previous mail i sent to you. -they are 100%pure breed puppies. -they are house Trained . -they are socialized with kids and other house hold pets -they get angry when you shout at them, so don't do that. -they are 11 Weeks old -they barks when they sees strangers -i have attached some lovely pictures for you okay. they will be coming along side with all details o vaccination,DE-wormed and microchip.Since I have made up our mind to let the baby into to your home Can you promise me that the puppy will be well look after and you guys will keep me update with monthly pictures so I can know how the puppy is doing with you. We have just moved into PORTLAND, OREGON and will be very happy if you can come for the view but if you guys are not so close to me the I shall arrange for a Pet courier service and they will get the puppy delivered at your home address that you will provide to me, i love the service of a delivery company because they are so fast .After the registration i will provide you the puppy's registration number ok.The litter of these puppies were six but i have succeeded in given four of them for adoption and among those four three of them were delivered to their new destinations by this courier service so kindly send the delivery details as soon as possible ok.Also i shall require all your details to do the change of ownership papers and the details are as follow. Full names........ House address......... City....................... Zip code..................... Home number................... Mobile number................... E-mail address.................. As soon as i have the details , i shall prepare the change of ownership papers before taking the puppy to the courier company for registration and your home delivery . Do get back to me with the details so i can prepare the change of ownership papers and do the delivery registration with the Carrier service first thing tomorrow morning.. Thanks and i shall be waiting to read from you soon.You will have to pay just $300 for one and for both $450 that is directly to the Currier company..And also I will send all the relevant paper works via the Currier service so you will be paying directly to them and not to me because my main objective is for these puppies to have a lovely and forever family,so be at home at 9 AM Tomorrow morning ok to hear from the courier service and also to receive the puppy,so the $300 is for the delivery of one puppy.Puppies also come with the following papers; # Health guarantee # Vaccine record # AKC registration papers # Microchip Registration # Pedigree # Nutrition supplement # Traveling Crate Regards and waiting for your kind respond. Sorry for the length d:
100% scam. There is no dog. There are stolen pictures of someone else's dog. There is only a scammer trying to steal your hard-earned money. The next email will be from another of the scammer's fake names and free email addresses pretending to be the "pet shipping company" and will demand you pay for shipping fees, in cash, and only by Western Union or moneygram. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off your cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country your money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever. Now that you have responded to a scammer, you are on his 'potential sucker' list, he will try again to separate you from your cash. He will send you more emails from his other free email addresses using another of his fake names with all kinds of stories of great jobs, lottery winnings, millions in the bank and desperate, lonely, sexy singles. He will sell your email address to all his scamming buddies who will also send you dozens of fake emails all with the exact same goal, you sending them your cash via Western Union or moneygram. Do you know how to check the header of a received email? If not, you could google for information. Being able to read the header to determine the geographic location an email originated from will help you weed out the most obvious scams and scammers. Then delete and block that scammer. Don't bother to tell him that you know he is a scammer, it isn't worth your effort. He has one job in life, convincing victims to send him their hard-earned cash. Whenever suspicious or just plain curious, google everything, website addresses, names used, companies mentioned, phone numbers given, all email addresses, even sentences from the emails as you might be unpleasantly surprised at what you find already posted online. You can also post/ask here and every scam-warner-anti-fraud-busting site you can find before taking a chance and losing money to a scammer. If you google "Cameroon pet scam", "fake puppy sale scam Western Union" or something similar you will find hundreds of posts from victims and near-victims of this type of scam. There are sites where you can look up pictures and find the site or sites where the scammer stolen the cute pictures of the puppies.
Yes, it does sound like a scam. First, they end every sentence with "ok". Not very professional. The whole email sounds like it was put together quickly. And you should never send anyone all that info. If you're looking to get a pet, please try your local shelter first. If you absolutely have to get a puppy of a specific breed for some reason, do your research and find a reputable breeder. And you should meet the dogs first, so you can see if they get along with you, and if they're healthy. Don't just have them delivered based on some photos! It also sounds like they want money before sending you anything, which is a big red flag.
Google Cameroon pet scam NEVER give your home address and never let them arrange shipping for any reason. Ask for their address then call around to at least three different companies to get quotes. It costs at least $800 to ship a dog, not $300 Or say that your dad works for the airlines so you are going to fly to Portland to pick up the puppies in person so they don't need to ship, then wait for the excuses
Reads like a SCAM to me. Would be cheaper to adopt a puppy from an animal shelter.
Yep, I wouldn't trust it at all. I also encountered something after downloading adblock (not adblockplus) where the creators actually kept emailing me asking for money because they needed support for food. I mean, you just can't trust these stuff. You never ever, ever, garanteed what you see. I would recommend going to a nearby shelter and getting a puppy from there. Hope I helped :)
It might be :$ it's difficult to tell. Just don't give any information that could be used for theft/identity theft. I would jut get a puppy from the local animal shelter or humane society, because the you KNOW it's not a scam, it's cheaper, and you help a puppy that would otherwise be put down.
A well-trained dog makes everyone happy, including his owner. Take a little time training him, and you'll never regret it; you'll always have an obedient dog by your side. Go here http://OnlineDogTraining.enle.info/?8sJT For the potty training: Try taking her out every hour on the hour and don't bring her back inside until she potties! And as soon as she finishes pottying give her a tasty snack and reward and praise her. The best way to potty train is to prevent accidents, so if you can, get some pet scent remover and clean your house from top to bottom. Wal-Mart has some stuff called "OUT! Natural" and it works very well. It smells like lemons and herbs and it also removes stains. Then, if you can, get pee-pee pads. LOTS of them. Line your entire floor with them if you have to securing the seams with scotch tape. Only replace the ones she potties on daily. Leave the rest. After while you can start removing them one at a time until there are only a few left. It sounds complicated but it works. Most people use this trick for small rooms like a bath room or bedroom they have to leave the dog in when they go somewhere. Sooner or later she'll get down to just pottying on one pad, and then you slowly move it a few inches towards your door every day. Then move it outside. You should never punish a puppy for pottying in the house, only prevent it, and reward them for going in the proper place. And don't clean up the mess when they're watching. It's like a mind game for them. For the chewing: Get her rawhide toys, bones, Greenies, rope toys, balls, squeaky toys and anything else you find at the store that's made for dogs and she might enjoy. Give her 2 or 3 a day, and rotate them so she only has the same ones for a day or two and she won't get bored with them. I understand you're against physical punishment, but really you should try using a loud newspaper or paper towel roll (that's empty of course), or an envelope with the plastic window thing in it. Just something that makes a lot of noise but doesn't cause pain. I found the envelope works best. Keep a very good eye on her at all times, and when you see he headed for something she shouldn't have tell her NO! If you can stop her before she gets to it that really speeds up the training. If not it's okay, just tell her no, and if she doesn't respond, tell her a second time and follow up with the paper. For the crate training: It's best to work on this when you leave the house and no one is around. Doing it at night keeps everyone up and it's just annoying. Put her in the crate, and cover it with an old blanket so she can't see you leaving. When you leave it doesn't matter how much she cries, she'll take the hint that crying won't get her her way. And whatever you do, never ever ever let her out of the crate while she's crying. This enforces the behavior and you'll never get her trained to sit there without crying. If you can't get her to quiet right before you take her out, make a loud noise like clapping your hands and as soon as she's quiet you can let her out. I hope it all works out for you... if you need any more help feel free to e-mail me. I can look up some of the sites I got my training info for you. Oh, and Bull Dogs are very stubborn by nature, they take longer than some breeds to catch on to and respond to training.
Yep! automated message! Do not respond.
Yes any time you see Full names........ House address......... City....................... Zip code..................... Home number................... Mobile number................... E-mail address.................. in a email that you dont know the person it is spam
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Perhaps you should have asked, "nightmares in getting a good question answered". I will share an experience that covers both sides of your question. A few years ago I had a mortgage client referred to me from an investor. They had bought a flipper and paid $10,000.00 cash for the deal as the new, or assigns. The house was a pre-foreclosure being flipped by a scam company that advertizes with the usual "We buy homes fast for cash" benches all over Portland Oregon area. I have taught pre-foreclosure investing myself for nearly 2 decades and asked to see their new "sweet deal" The offer was horribly written and barely legal. As a realtor I have seen some write some pretty misleading offers but this one was a record setter. All cash, as is, close in 10 days with no inspection or appraisal. So for the Flipper this was, in their mind, a sweet deal. In, out, $10K in hand, someone elses problem now. The buyer of course was shattered by having paid $10K for a few worthless documents. The house needed repairs, was financed to the hilt, I had it in my notice of default file and showed my client the actual loan that was in default. The flipper showed them a 2nd lien that was in foreclosure. I showed them the first that was going to trustees sale in 25 days. I could go on, and on, and on, but the story did end with them buying it from the bank and I did their loan. We filed a suit against the flipper and they settled out of court. My advice to you is this, you can do fine but you have to have margin to do a fast turn. Never take anyone selling a sweet deal at their word. Use due dilligence and assess all conditions as fast as possible. Too much haste costs, too little research costs, too much time wasted costs also. Learn your market, plan your work, then work your plan.
Check the link below. The site is one of the more active sites on the web for US and some Canadian investors. There could be a better site for Canadians but I do not have a link. Check the main forum and search for 'flip' or 'flipping'. Do so before posting as the topic has been covered a bit in the past. There are success notes and how to articles that will provide the more positive aspects. If you go to the legal forum one of the moderators has a book out on flipping. He is a lawyer so the topic is pretty accurately covered but again it will be based on the US legal system
That is an truly good question! From a medical/psychological aspect of view, i might want to imagine perhaps he does no longer get nightmares, because nightmares are meant to be your way of finding out the belongings you're petrified of. on the grounds that he's writing them down, like a purge of kinds, he probable is resolving his fears as he writes about them. i'm hoping Stephen King reads your question and lets us recognize the authentic answer! i have been interpreting his books for years and performance continuously chanced on him to be very exciting.
We purchased a house for 20,000 and we put about 2,500 in to it and 80 hours of work then we resold it for 39,900 three months later. It was on the market for two months for 44,500 before we accepted the 39900 for a profit of 15000 after all expenses. The key is do your homework and know what you can do.
Make sure you get an inspector to tell you if there is anything you can't fix, or lead paint, or asbestos anywhere, a leaky basement, a foundation that is shot, if you hire someone to do all your work, what is the point??? you lose money....... find a house that is so crappy,,,,,,you literary have to scrub it off the floor.. and that alone up the price, $10,000 dollars.
Multiple personality disorder (MPD) is a psychiatric disorder characterized by having at least one "alter" personality that controls behavior. The "alters" are said to occur spontaneously and involuntarily, and function more or less independently of each other. The unity of consciousness, by which we identify our selves, is said to be absent in MPD. Another symptom of MPD is significant amnesia which can't be explained by ordinary forgetfulness. In 1994, the American Psychiatric Association's DSM-IV replaced the designation of MPD with DID: dissociative identity disorder. The label may have changed, but the list of symptoms remained essentially the same. Memory and other aspects of consciousness are said to be divided up among "alters" in the MPD. The number of "alters" identified by various therapists ranges from several to tens to hundreds. There are even some reports of several thousand identities dwelling in one person. There does not seem to be any consensus among therapists as to what an "alter" is. Yet, there is general agreement that the cause of MPD is repressed memories of childhood sexual abuse. The evidence for this claim has been challenged, however, and there are very few reported cases of MPD afflicting children. Psychologist Nicholas P. Spanos argues that repressed memories of childhood abuse and multiple personality disorder are "rule-governed social constructions established, legitimated, and maintained through social interaction." In short, Spanos argues that most cases of MPD have been created by therapists with the cooperation of their patients and the rest of society. The experts have created both the disease and the cure. This does not mean that MPD does not exist, but that its origin and development are often, if not most often, explicable without the model of separate but permeable ego-states or "alters" arising out of the ashes of a destroyed "original self." A rather common view of MPD is given by philosopher Daniel Dennett. ...the evidence is now voluminous that there are not a handful or a hundred but thousands of cases of MPD diagnosed today, and it almost invariably owes its existence to prolonged early childhood abuse, usually sexual, and of sickening severity. Nicholas Humphrey and I investigated MPD several years ago ["Speaking for Our Selves: An Assessment of Multiple Personality Disorder," Raritan, 9, pp. 68-98] and found it to be a complex phenomenon that extends far beyond individual brains and the sufferers. These children have often been kept in such extraordinary terrifying and confusing circumstances that I am more amazed that they survive psychologically at all than I am that they manage to preserve themselves by a desperate redrawing of their boundaries. What they do, when confronted with overwhelming conflict and pain, is this: They "leave." They create a boundary so that the horror doesn't happen to them; it either happens to no one, or to some other self, better able to sustain its organization under such an onslaught--at least that's what they say they did, as best they recall. Dennett exhibits minimal skepticism about the truth of the MPD accounts, and focuses on how they can be explained metaphysically and biologically. For all his brilliant exploration of the concept of the self, the one perspective he doesn't seem to give much weight to is the one Spanos takes: that the self and the multiple selves of the MPD patient are social constructs, not needing a metaphysical or biological explanation so much as a social-psychological one. That is not to say that our biology is not a significant determining factor in the development of our ideas about selves, including our own self. It is to say, however, that before we go off worrying about how to metaphysically explain one or a hundred selves in one body, or one self in a hundred bodies, we might want to consider that a phenomenological analysis of behavior which takes that behavior at face value, or which attributes it to nothing but brain structure and biochemistry, may be missing the most significant element in the creation of the self: the sociocognitive context in which our ideas of self, disease, personality, memory, etc., emerge. Being a social construct does not make the self any less real, by the way. And Spanos should not be taken to deny either that the self exists or that MPD exists. But if thinkers of Dennett's stature accept MPD as something which needs explaining in terms of psychological dynamics limited to the psyche of the abused rather than in terms of social constructs, the task of convincing therapists who treat MPD to accept Spanos' way of thinking is Herculean. How could it be possible that most MPD patients have been created in the therapist's laboratory, so to speak? How could it be possible that so many people, particularly female people [85% of MPD patients are female], could have so many false memories of childhood sexual abuse? How could so many people behave as if their bodies have been invaded by numerous entities or personalities, if they hadn't really been so invaded? How could so many people actually experience past lives under hypnosis, a standard procedure of some therapists who treat MPD? How could the defense mechanism explanation for MPD, in terms of repression of childhood sexual trauma and dissociation, not be correct? How could so many people be so wrong about so much? Spanos' answer makes it sound almost too easy for such a massive amount of self-deception and delusion to develop: it's happened before and we all know about it. Remember demonic possession? Most educated people today do not try to explain epilepsy, brain damage, genetic disorders, neurochemical imbalances, feverish hallucinations, or troublesome behavior by appealing to the idea of demonic possession. Yet, at one time, all of Europe and America would have accepted such an explanation. Furthermore, we had our experts--the priests and theologians--to tell us how to identify the possessed and how to exorcise the demons. An elaborate theological framework bolstered this worldview, and an elaborate set of social rituals and behaviors validated it on a continuous basis. In fact, every culture, no matter how primitive and pre-scientific, had a belief in some form of demonic possession. It had its shamans and witch doctors who performed rituals to rid the possessed of their demons. In their own sociocognitive contexts, such beliefs and behaviors were seen as obviously correct, and were constantly reinforced by traditional and customary social behaviors and expectations. Most educated people today believe that the behaviors of witches and other possessed persons--as well as the behaviors of their tormentors, exorcists, and executioners--were enactments of social roles. With the exception of religious fundamentalists (who still live in the world of demons, witches, and supernatural magic), educated people do not believe that in those days there really were witches, or that demons really did invade bodies, or that priests really did exorcise those demons by their ritualistic magic. Yet, for those who lived in the time of witches and demons, these beings were as real as anything else they experienced. In Spanos' view, what is true of the world of demons and exorcists is true of the psychological world filled with phenomena such as repression of childhood sexual trauma and its manifestation in such disorders as MPD. Spanos makes a very strong case for the claim that "patients learn to construe themselves as possessing multiple selves, learn to present themselves in terms of this construal, and learn to reorganize and elaborate on their personal biography so as to make it congruent with their understanding of what it means to be a multiple." Psychotherapists, according to Spanos, "play a particularly important part in the generation and maintenance of MPD." According to Spanos, most therapists never see a single case of MPD and some therapists report seeing hundreds of cases each year. It should be distressing to those trying to defend the integrity of psychotherapy that a patient's diagnosis depends upon the preconceptions of the therapist. However, an MPD patient typically has no memory of sexual abuse upon entering therapy. Only after the therapist encourages the patient do memories of sexual abuses emerge. Furthermore, the typical MPD patient does not begin manifesting "alters" until after treatment begins (Piper 1998). MPD therapists counter these charges by claiming that their methods are tried and true, which they know from experience, and those therapists who never treat MPD don't know what to look for.* Multiple selves exist, and have existed in other cultures, without being related to the notion of a mental disorder, as is the case today in North America. According to Spanos, "Multiple identities can develop in a wide variety of cultural contexts and serve numerous different social functions." Neither childhood sexual abuse nor mental disorder is a necessary condition for multiple personality to manifest itself. Multiple personalities are best understood as "rule-governed social constructions." They "are established, legitimated, maintained, and altered through social interaction." In a number of different historical and social contexts, people have learned to think of themselves as "possessing more than one identity or self, and can learn to behave as if they are first one identity and then a different identity." However, "people are unlikely to think of themselves in this way or to behave in this way unless their culture has provided models from whom the rules and characteristics of multiple identity enactments can be learned. Along with providing rules and models, the culture, through its socializing agents, must also provide legitimation for multiple self enactments." Again, Spanos is not saying that MPD does not exist, but that the standard model of (a) abuse, (b) withdrawal of original self, and then (c) emergence of alters, is not needed to explain MPD. Nor is the psychological baggage that goes with that model: repression, recovered memory of childhood sexual abuse, integration of alters in therapy. Nor are the standard diagnostic techniques: hypnosis, including past life regression, and Rorschach tests. It should be noted that books and films have had a strong influence on the belief in the nature of MPD, e.g., Sybil, The Three Faces of Eve, The Five of Me, or The Minds of Billy Milligan. These mass media presentations influence not only the general public's beliefs about MPD, but they affect MPD patients as well. For example, Flora Rheta Schreiber's Sybil is the story of a woman with sixteen personalities allegedly created in response to having been abused as a child. Before the publication of Sybil in 1973 and the 1976 television movie starring Sally Fields as Sybil, there had been only about 75 reported cases of MPD. Since Sybil there have some 40,000 diagnoses of MPD, mostly in North America. Sybil has been identified as Shirley Ardell Mason, who died of breast cancer in 1998 at the age of 75. Her therapist has been identified as Cornelia Wilbur, who died in 1992, leaving Mason $25,000 and all future royalties from Sybil. Schreiber also died in 1988. It is now known that Mason had no MPD symptoms before therapy with Wilbur, who used hypnosis and other suggestive techniques to tease out the so-called "personalities." Newsweek (January 25, 1999) reports that, according to historian Peter M. Swales (who first identified Mason as Sybil), "there is strong evidence that [the worst abuse in the book] could not have happened." Dr. Herbert Spiegel, who also treated "Sybil", believes Wilbur suggested the personalities as part of her therapy and that the patient adopted them with the help of hypnosis and sodium pentothal. He describes his patient as highly hypnotizable and extremely suggestible. Mason was so helpful that she read the literature on MPD, including The Three Faces of Eve. The Sybil episode seems clearly to be symptomatic of an iatrogenic disorder. Yet, the Sybil case is the paradigm for the standard model of MPD. A defender of this model, Dr. Philip M. Coons, claims that "the relationship of multiple personality to child abuse was not generally recognized until the publication of Sybil." The MPD community suffered another serious attack on its credibility when Dr. Bennett Braun, the founder of the International Society for the Study of Disassociation, had his license suspended over allegations he used drugs and hypnosis to convince a patient she killed scores of people in SATANIC RITUALS. The patient claims that Braun convinced her that she had 300 personalities, among them a child molester, a high priestess of a satanic cult, and a cannibal. The patient told the Chicago Tribune: "I began to add a few things up and realized there was no way I could come from a little town in Iowa, be eating 2,000 people a year, and nobody said anything about it." The patient won $10.6 million in a lawsuit against Braun, Rush-Presbyterian-St. Luke's Hospital, and another therapist. defenders of MPD The defenders of the MPD/DID standard model of genesis, diagnosis, and treatment argue that the disease is underdiagnosed because its complexity makes it very difficult to identify. Dr. Philip M. Coons, who is in the Department of Psychiatry at the Indiana University School of Medicine, claims that "there is a professional reluctance to diagnose multiple personality disorder." He thinks this "stems from a number of factors including the generally subtle presentation of the symptoms, the fearful reluctance of the patient to divulge important clinical information, professional ignorance concerning dissociative disorders, and the reluctance of the clinician to believe that incest actually occurs and is not the product of fantasy." Dr. Coons also claims that demonic possession was "a forerunner of multiple personality." Another defender of the standard model of MPD, Dr. Ralph Allison, has posted his diagnosis of Kenneth Bianchi, the so-called Hillside Strangler, in which the therapist admits he has changed his mind several times. Bianchi, now a convicted serial killer serving a life sentence, was diagnosed as having MPD by defense psychiatrist Jack G. Watkins. Dr. Watkins used hypnosis on Bianchi and "Steve" emerged to an explicit suggestion from the therapist. "Steve" was allegedly Bianchi's alter who did the murders. Prosecution psychiatrist Martin T. Orne, an expert on hypnosis, argued successfully before the court that the hypnosis and the MPD symptoms were a sham. Allison claims, but offers no evidence, that the controversy over MPD is one between therapists, who defend the standard model, and teachers, who deny MPD exists.* The battle took place in committee when preparing the DSM-IV, he claims. The teachers won and MPD was removed and DID replaced it. The DSM-IV is the current version (1994) of the American Psychiatric Association's Diagnostic & Statistical Manual of Mental Disorders. It lists 410 mental disorders, up from145 in DSM-II (1968). The first edition in 1952 listed 60 disorders. Some claim that this proliferation of disorders indicates an attempt of therapists to expand their market; others see the rise in disorders as evidence of better diagnostic tools. According to Allison, MPD was called "Hysterical Dissociative Disorder" in DSM-II and did not have its own code number. MPD was listed and coded in DSM-III, but removed in DSM-IV and replaced with DID. It is possible, of course, that some cases of MPD emerge spontaneously without input from the MPD community, while other cases--perhaps most cases--of MPD have been created by therapists with the cooperation of their patients who have been influenced by authors and film makers. In either case, the suffering of the person with MPD is equally pitiable and deserving of our understanding, not derision.
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Here is the back story, sorry in advance because it will be long. i found out my husband was cheating a month ago. He has moved out. he is in love with the other woman. He told me he hasnt loved me for over 5 years, a lovely little tidbit I wish he had told me before we bought this house! we bought it 2 years ago. Due to bad credit, my mom had to put it in her name, the house and the loan. It is a modular home worth , at best $40,000. the loan is for $62,000. If i don't continue to some how pay for this house, my mother will have to pay for it. She has recently lost her job, due to the auto industry and the factories all shutting down. my parents are barely making it as it is. If i loose the house, they would sell it to the highest bidder, for probobly $10,000, then my mom would have to pay the rest, like $52,000. We when we bought the house we agreed to pay for it. can I hold him to it? also he ran up my moms credit card for $5,000. Can I make him pay for that too? now also he was paying a little child support. He has decided he didn't like paying it and can't afford to pay for his own place, so to take care of that he has decided to quit his joband leave state! (a wpnderful thing he told me at the start of our daughter's birthday party! so i had to put a fake smile on and be happy for the kids sake, because i was not letting him destroy her birthday party!)so now i won't be able to go after him for child support or for spousal support. He is abandoning his two children and moving to oregon to be with the other women who he is in love with. My bills at my house are like 1300 a month, and i am a full time student and haved looked but there are no jobs here. Are area has been hit hard, we live close to detroit, the auto headquarters, so you can imagine. There was one job open 3 monthsw ago. I got there to apply very early and was 2nd in line. There was over 300 people though applying for one positon. This is how it is here, asnd when they have that much of a choice they don't pick the women who has been a stay at home mom for the last three years, at hubbys request! what can i do? any suggestions, please!
Basically you are screwed !!!!!.....no joke !!! I'm not trying to be funny !!!! This is a fact!!!!!!!
I'm sorry for your troubles. If you are getting a divorce, your attorney can request he pay his portion of the bills. If the house is in your mother's name, then it doesn't technically belong to either you or your husband. He has no stake in the house at all, from a legal perspective. You'd have to discuss this matter with an attorney, but i do believe that the house wouldn't even be a consideration in a divorce proceeding. If the court ordered him to pay child support, then he has to do it. If he doesn't, he is in contempt of court. Your division of child support can attach his wages and take the support from his paychecks.... so, if he has a legitimate job, this can be easily done. Child support divisions have a database which alerts them when a person who owes support gets a job. Hence, payments start being taken from their checks. I hope you are going to be able to continue your schooling. I really think it's important for your future. Your mother can make a complaint about the $5,000 credit card debt in court; however, if she gave him permission to use it, she might be stuck paying it off. If i were in your situation, i'd consult an attorney. Many give free consultations and can let you know whether it's worth going after him for funds or not. take care and i hope things work out for you and your family.
Of course you need to talk with an attorney!! I would like to say that he should help out with the house and credit card bill BUT if it's not in his name then I'm afraid you'll have to pay it. That is disgusting what he has done-- Leaving you for another woman BUT also leaving you with the kids and the bills that aren't in his name--- what a scumball!! I know the job market is terrible!! I have stayed at home for a few years and they always want someone with experience!!! Now, I wished that I had always worked (even part-time) so that I have the experience.... Go talk with attorney and good luck to you and your family.
First of all in order to expect him to pay for the modular home his name has to be on the contract. Verbal agreements do not hold up in court. As far as child support goes, if there is no court order of child support he doesn't HAVE to pay it. While "morally" he should legally he doesn't HAVE to. As far as spousal support, if you are able bodied and capable of getting a job yourself there would be no need for the court to award YOU spousal support. Spousal support is no longer a given in divorce. The court might award it for a limited amount of time, but not indefinitely. My suggestion is that you continue to apply for jobs, you've applied for one you say...that's not even a drop in the bucket. I know people who have been out of work for months who apply for and go on interviews every single day of the week, more than one position a day as well. You may have to give up your education for awhile in order to accommodate the hours you'd be required to work, you have to be available for the hours you are needed.
Get to a lawyer and get temporary alimony. Make him pay for it all.
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Which states require the noncustodial parent to continue paying child support for 4 years of college? I know CA doesn't, but I'm especially interested in Washington, Oregon & Alaska laws. (Also, I know we have to pay until she finishes high school, which will be past her 18th b-day, but I'm talking about having to pay until she is 22. I've heard some states are requiring college and room & board now?? Which states?
Migz: You are passing judgement without understanding the situation here. My husband paid for 100% of his daughter's care willingly the first 13 yrs, then she hit him, told him to F*** Off and went to live with her mom. The mom is a very wealthy multi millionaire and we are middle class average, but we got slapped with a $2000/month child support plus paying her medical & dental. His teenage daughter is hateful to him and refuses to speak to him except to be nasty and hurt his heart to the core about how she wants nothing to do with him, only her mom. So my husband is wondering, considering we are now broke and have gone into debt on every credit card to pay this $2000/month, when is it going to end?? He does not want to pay for college for a daughter who won't even speak to him when he did nothing wrong but set down basic household rules.
The child support decree only says till 18, but knowing his ex she will get it changed if at all possible. I guess we were concerned with other states, because when we move and IF his daughter somehow comes to live with us, I assumed it would then go to that new state's laws (or if the ex wife follows us to that state)
My husband and I always assumed we'd be paying all of his daughter's college costs (even tho the ex is wealthy she is very selfish and doesn't spend anything on the daughter), but now that the daughter turned so hateful to her dad, wants nothing to do with him, has written horrible lying letters about him to the court which have devastated him, he at this point does not want to pay for her to go to college unless she resumes a relationship with him. She refuses to speak to him at all except for occasional hate emails.
I think it is based on what the divorce papers say, if she trys to take you all b ack to court, there is no reason that she shouldn't contribute atleast half, and also have the daughter look into loans and finanaical aid. If nothing else college age kids get stuff handed to them by mommy and daddy, trust me from experience I"m talking about myself, they will take the education more seriously when they are having to pay for it and they realize life isn't a party
I do not know which states require this, but if "educational expenses" were listed as part of the support or in the divorce, he will have to pay them. Including college expenses. Children are considered 'property' until the age of 22 1/2. This is due to paternity laws. I'm fairly confidant that he will want to pay at least part of the college for his child. My father paid for 1/2 of my half-sister's Harvard education. So long as the child is not self-supporting or remains in school, it's typical that the non-residential parent continue to pay support until the aforementioned age. I'm not sure why you listed the above states. It is irrelevant where the child attends school or college or where the child lives. It's only a point of interest in the state in which the support was initially ordered. If your husband moves, it's still a point of interest in the state in which the case was filed. **The current support is high due to the combined income ratio for the support. Your husband should have the support adjusted based on income. ***If the child lives with you, you will have to have a pretty compelling reason to give the judge to make it happen. If it does happen, in some states it becomes a point of interest in the state the child currently resides in. One of these states is SC after 6 months. ****If the mother is not complying with the visitation schedule or alienating the other parent, your husband has a case. There (depending on your state) may be damages, as well. Seek a lawyer who might take this on a contingency basis.
It really does not matter which states have the college clause in the child support papers. What really matters is which state the child custody and child support is being governed by. Also, if it is in the agreement that he was to pay for college, then he had better pony up. If he is in a situation that the child support payments are out of line with his income, then he needs to go back to court to ask for a re-calculation. Any more the amount you pay is based on your income and what is in the best interest of the child. Chances are if he was ordered to pay 2K per month, it was about 10% of his income. Also, with regards to the relationship that he has with his daughter. Don't push. the more he tries to use money to control her and tryies to push his way into her life, the worse things will get. Also, the court probaby did not say which college she was going to attend so the local community college could be what he is willing to pay for. If mommy is as rich as you say, she would not stand for this, and probably make up the difference. Your best hope is to get along with your enemy, in this case the ex-wife. Your life will be much better if you learn to make peace with her, not nessessarly with the teenager.
I can't help but find it hard to believe that your husband's child support for one child is $2000+ per month. The amount required of the non-custodial parent is directly derived from his/her yearly income and also the income of the custodial parent. If this is your monthly payment then the mother is apparently homeless and your husband makes about 250,000 a year
It is until age 18. You are not required to pay for adult children. I know many friends who got a sudden stop on child support payments when the children turned 18 or should I say became adults.
It is based upon the divorce agreement, not the state! Don't resent the fact that you are paying for college. You sound like the step parent If you resent this, it will affect your marriage!
It's lawyers job. whatever divorce agrement says goes! to alter anything, judgements must be entered after case review!
Don't move till she is 22
Your son is going to have to pay for child support till the child is 18 no mtter what, i would seriously suggest a vacectomy or chastiity belt for your son as well, after all that is the F'n you get for the F'n he got.
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Well after Summer this year I'll be going into High-school, and from that I hope to go into a good College, considering I live in Oregon, I'd like to go to the University of Oregon, or even Oregon State. I have asked a few questions about university's, I don't want to get my mind to wrapped up on all of this, considering I'm still young and shouldn't worry to much about this all, but one thing I figured is, I'd like to live in a Dorm on Campus, and I was wondering what the Dining arrangement's are for a University. I've seen that quite a few of them have places such as Panda Express, and Subway in a part of the school, where all the kids usually go to eat. I was wondering, even though it may be a silly, and not so important question, but at the University of Oregon, are there fast food places on campus? Thanks :)!
Storm, at the following link, you will find all of the University eateries. These are the ones where your financial aid goes towards purchasing a "meal ticket," which is nothing more than an account which contains adequate food dollars. No one wants to see you go hungry, hence the meal plan. http://housing.uoregon.edu/dining/venues... If these restaurants are anything like the ones at the university which my son attends, they will accept cash, also. No one will force you to purchase a meal plan; we didn't, simply because my kid comes home for lunch. However, if he weren't able to come home, he probably wouldn't eat at one of the dining halls. Our university is surrounded by numerous fast food joints, pizza shops, and Subways. I'm pretty sure all campuses have been inundated by fast food places, so don't worry about finding something to eat. From the looks of the menu over at Carson/Barnhart, you have absolutely nothing to worry about. http://housing.uoregon.edu/dining/todays...
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I have a friend who lives in her mother's house and her mother is trying to sell the property. My friend doesn't have a job currently but gets disability every month. She has alot of money in her savings about $40,000 and IRA accounts and perfect credit. Does she need to have a job to get a foreclosure these days? I've seen trailors in Oregon going for as low as $2,000 these days and houses for about $10,000. Granted you have other expenses when you buy but just how hard is it to get a foreclosure these days?
If she can pay cash, she does not need a job. Some lenders will loan to people with a steady income through SSI or whatever the source. On a side note, if you are seeing these very inexpensive homes on a foreclosure website, it is most likely inaccurate. I am also in Oregon, and the only "house" you are buying in my area for $10,000 is an older trailer in a trailer park. And no, I am not in the Willamette Valley.
You seem to be asking if your friend can purchase her mother's property through a foreclosure action. Understand that a foreclosure property will be sold for the highest sale value available. Your friend has NO preference to purchase this property because of any relationship. Given that your friend lives only on disability strongly reduces the possibility that she will get a mortgage loan to cover such property. Your friend needs to apply for a loan to purchase this property. Her qualifications for such loan will determine whether or not she might be able to purchase same.
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I lost a civil case and have to pay $5000.00 to a scumbag. I bought a home using my VA benefits about a month before the judgement. I am a 100% disabled vet and live on that pension. My wife is the primary on the loan due to her income but she is not a part of the judgement in any way. Can they force a sale of my home? Can I become exempt by filing in Oregon as a disabled veteran? How do I protect myself? I dont need any more financing and pay cash for everything so I wont pay it anyways. My VA disability is exempt from garnishment. Any info is appreciated!
Absolutely not. You have no special protections against liens against your home just because you have a VA loan. Why did you think that just because you were disabled and had a VA loan, that entitled you to not pay your bills? Since you are on the title, IT CAN be put on your house, because your wife is part owner, doesn't exempt you from anything. They can push to force foreclosure if they think you have the equity in your home. That is why they put the lien against your house, because they can't garnish your wages, but they CAN TAKE your property. If you lost in court, then you were obviously legally obligated to pay the debt. PAY THE PEOPLE!!!!
I am not sure if they can force a sale on your home but I dont think so as long as you are not delinquent in your mortgage payments and I think you should contact the VA office for additional information. Since you are not the primary on the loan, I dont think a judgment on your case will affect your home.
The loan isn't. He can place a lien on the property. You many never have to pay him UNTIL you sell (or refinance) the house. Then you will have to make good.
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I Have a question about a loan. For one, I am planning on going to University of Oregon in Eugene, and I already did my FAFSA, but still haven't got any reply back. I was wondering where to get the actual loan for my classes at. Do I go to the Financial Aid service at my school and request a student loan? Do I do it online on their website? Do I go to the bank? Where should I go to get a studen loan at?
You send your FAFSA to your college, and your college will offer you the appropriate financial aid. You simply accept the aid from your college. Also, if you go onto the FAFSA website, there will be an option or view your SAR (student aid report) which tells you what you are eligible for.
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I filed W-2 in Oregon state taxes. They took out Federal Income Tax, Social Security Tax, Medicare Tax, OR State Income Tax, and Oregon Wbf Tax. They also took out Draw which is categorized as 'other' while those stated about are 'statutory.' May someone please explain what the 'Draw' is. It doesn't really tell me and I just like to know.
Could you have filled out a W-4 form instead of a W-2 as you indicate above for this purpose and time in your life. Your employer or boss should be able to explain to you face to face exactly what DRAW is meant to be when you do see it on your check stub at that time in your life, Could be some amount of an advance payment amount that you might have requested or received for some purpose at some time in the past RIGHT and now you have to pay it back out of the current gross wages earnings for this purpose RIGHT. A draw may be taken against pay that is due but not issued on the regular payday Hope that you find the above enclosed information useful. 10/10/2012
It sounds like you got an advance on your paycheck and "draw" is paying back that debt to your employer.
It means that you asked for an advance on your paycheck before time to get paid and they are now recovering what they advanced you if this is not the case you need to ask the pr dept what it is
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Oregon state university - Good for teaching. I would suggest you go to the nearest public university and live at home. save the loans for graduate school.. my 2 cents. Even if you go to a state university .. you will rack up a lot of loans after room and board / or you would need to work a full time job to get an okay apartment with a room mate. .. Depending on the city your at right now .. go to the closest college. If its a 4 year college and public go there. If its a community college then do 2 years there and trasnsfer. Unless your parents are willing to pay 30K a year in tuition and living expenses then I suggest you look at something close. I strongly suggest not fall in the death trap of loans .. IF you have to take out loans you certainly never take out more than what you expect to be paid the first year after graduation.. lets say you will make 30K the first year .. then that is your loan limit .. LESS is much better. Unless you want your payments to be 700+ a month ( my friends regret it). good public schools in oregon ( 4 year) Western Oregon University Portland State University Oregon State University University of Oregon Southern Oregon University IF you have one close by.. then go there .. If not then start at a community college aand at least save the money for your first two years. Don't drown in debt to show off the school you went to... IN THE END employers don't really give a damn where you graduated from as long as its fully accredited and you have some experience. I work with people who graduated from Upenn /Umich/ Cornell/ Pace and we all get paid the same!!! The smart one .. is the one who can get the education for less and with the least amount of loans. I only ended up with 8K in loans VS my friends who went to an out of state / private and accumulated 70K+ in loans... My payments - Less than 100 a month Their payments 700-800 a month I save/make more after our loan payments :) Good luck
As stated by ability of previous answerers, between the super factors related to cost-of-residing isn't any sales tax. which would be offset, even with the shown fact that, by ability of greater materials taxes than in many situations modern in CA. i for my section love Oregon (yet shop in mind that there could be a penalty for "driving mutually as Californian" with the aid of fact in lots of small Oregon cities the interior reach police enhance earnings by ability of extremely observing for Californians who disobey interior reach velocity regulations), have familiar many human beings of each and all ages who've moved into the state from California, and all found gratifying employment. The air is cleanser than in southern CA, and the inhabitants presently isn't overwhelming. i might certainly vote for OR over CA. i've got included a link to the state Chamber of commerce, and each city you are able to nicely have an interest in will probable have a Chamber, too. there is a good form of information "available" for you. enhance your self with counsel, and take a super gamble on a pass that could substitute your lives in a great way.
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Yes, it is called having Phil Knight, the Co-founder of Nike, being an Oregon Alumni. He donates a ton of money to the school, and makes sure that they have plenty of new uniforms, which he can then turn around and sell. It is fun to see what is coming next with the uniforms though. There have been some crazy ones.
Oregon Best Uniforms
Just wait till you see the uniforms of the Oregon Ducks. Nike gave Oregon 384 different combinations to choose from and all of them are hideous.
The multi-billionaire Nike CEO is a great fan of the Ducks. While Oregon may not have a contract with Nike that provides as much gear as they want, the CEO (as well as other Duck supporters) ensure that they lack for nothing. It's like the relationship Oklahoma State has with Boone Pickens; his donations to the university are in the hundreds of millions.
I believe the founder of Nike is an Oregon Alumni and he donated the uniforms.
You might say they have a special kind of contract with Nike. Nike CEO Phil Knight is an alumnus of the University of Nike, and the University of Nike (formerly the University of Oregon) has sold its soul to "Uncle Phil" as part of the "Intercollegiate Athletics Arms Race." Where do you think the University of Nike got those fancy locker rooms and training facilities for the football team or the new Matthew Knight Arena (named after Phil's dead son), or the fancy glass shrine to the Athletes to study in and get help with their homework?
Http://www.mvpjerseyshop.us so leave a gap between the nail and the siding panel. Nails should be drove in roughly every 16 inches. New Jersey winters can be cold, especially in the northwest region where average winter temperatures are below freezing. A benefit of vinyl siding in New Jersey is that it can provide excellent insulation if installed properly, thus providing a more comfortable home environment and driving down the cost of heating a home. This will only happen if the siding is installed properly.
The founder of Nike went to Oregon, Phil Knight. They get free jerseys every year. They just have the right hookup
Good question! I know it's been answered here, but I was wondering that all season long. I've seen them with the white uniforms, black uniforms, yellow uniforms, green uniforms, and a few different combos of those colors.
Phil Knight (I think that is his name) who founded and runs Nike is an Oregon alum
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Do you mean to ask how to earn money in a four week period before you go to Oregon; how you can earn money in Oregon or you'll be in Oregon to receive money if someone wants to give it? At 14 years of age, to earn it you would do best to provide a needed service such as mowing, cleaning, washing, care giving, errand running or whatever someone is willing to pay you to perform...but you'll have to hustle that to happen. You could sell something of yours that you can do without. And of course there's begging, borrowing and umm not that. Have fun...Oregon can be fun even without money.
Where do you live? A city or a town? Its hard to say when I don't know the location.. why don't you try asking local bed and breakfasts for a cleaning job thats what I did when I was 14, its rubbish pay though. Ask your rents what they think.. they might hand over a few chores to do for some cash.
Sell one of your kidneys you could make 50 grand
Open you dads wallet. punch a old person and still there pension.
Get a job, rob a bank!! haha
BABYSIT, its the way to goo
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They accused them sale of goods produced in violation of the Fair Labor Standards Act. But said if they paid a huge amount of money in fines, admitted wrong, agreed not to contest the judgement even if later found innocent, everything would go away. Some farms paid over $20,000 rather than let their crops rot in the fields. This seems like extortion to me
The farmers used contracted labor but they were still held responsible for the record keeping. The workers were being paid in piece work rather than an hourly wage because they make more money that way. Some of them worked as whole families under one payroll ticket because they could make as much as the equivalent of $9.24 each per hour vs $7.25 per hour but that made it hard to record their wages. The violation was in the record keeping rather than the under payment of the workers. Even so, they had to pay back wages (that they didn't owe) and huge fines in order to save their crops. One farmer paid $169k. And yes, that is extortion because their guilt was assumed without a thorough investigation. The farmers are suing. The government more and more is acting like the mafia.
Oregon is an "Obama state", Michelle Obama's brother is one of the coaches at Oregon State University. She spoke at the 2012 OSU graduation. Oregon has a Democratic governor, John Kitzhaber. You will be also surprised to know that the 2 billion Obama gave to Oregon for education has gone towards implementing Obamacare, not for education, which would explain why schools around Oregon are only going to school 4 days a week instead of 5; they can't AFFORD to go on FRIDAYS.
They were not paying people their wages, yea you get screwed when you do that. Edit Yea when you settle out of court you sign agreements like that its standard practice in all cases
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A line of credit is a "pre-approved loan". You do not have to use it, it's just there waiting for you to use at any time for emergencies, etc. Sometimes, this pre-approved loan is "linked" to you checking account as "overdraft protection". In this case, if you were to write a check and did not have the money in your checking account, your credit union would automatically "borrow" the money from your line of credt to pay your overdraft. Of course like any loan, you would have to pay it back with interest. But there are no interest charges if you do not borrow any money from it.
A line a credit is like a checking account. Spend up to the limit and when you get your monthly statement, you either pay the balance or make the minimum payment
Leave it alone. these things are designed to get you in debt trouble. leave it alone.
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$72.375 is the maximum base loan, but you can roll in the FHA premium into the total so in reality it would be something around $73,000. You have to put 3.5% down. That includes your initial deposit (or earnest money). Have the sellers pay your closing costs so that you only have to put the 3.5%. Or you could also check out to see if you qualify for a USDA loan. No downpayment. Must be at or below the median income in that county. And the town that you are moving to has to be less than 20,000 people.
$72,375.00...... For low to moderate income individuals and families there is the CHF Platinum Program. It is were a home buyer can receive up to 3% of the 1st mortgage amount in a grant to be used as a down payment or for closing costs. Credit score must be above 620 and does not have to be a first time buyer.
All FHA loans are the same in all states. but to answer your question $72,375 and you will need closing costs or a 3.5% down payment.
Many areas of Oregon qualify for USDA Rural Development too.
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You'll have to look online at the college you're planning on attending. Colleges don't charge by degree, they charge by tuition. But if you go to community college, they charge by class. But. You'll need about 60 credits to graduate (3 credits per class, average of 5 classes a semester, 4 semesters in a 2 year degree), and in Vermont anyways, the classes are about 650 a piece. So. You're looking at around 13,000$ for the classes, plus you have books and lab fees, I'd plan on at least 15,000$, but you can get loans and what not. If you do super shopping online you can get your books super cheap though.
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Depends on how the money was sent, could be within the hour, could be a day or so before the money is available to pick up. All the sender needs is a first and last name to use as the receiver's name, a first and last name to use as the sender's name and money. All the receiver needs to pick up the cash is: 1) The first and last name used on the form as the sender's name. 2) The first and last name used on the form as the receiver's name 3) The ten digit money transfer control number (MTCN#) 4) The test question/answer That is it, no ID required. If you are: 1) buying from a website 2) buying a pet or car 3) paying taxes on a lottery 4) helping an online boy/girlfriend 5) as part of a new work-at-home job cashing checks 6) paying visa fees 7) paying deposit/rent for an apartment/house 8) paying banker/barrister/lawyer/court fees 9) paying a transportation/courier/shipping company 10) receiving/forwarding money onto someone or some company Then you are being scammed. Just keep in mind that Western Union is an unsafe and unsecure way to send money. Western Union and moneygram do not verify anything on the form the sender fills out, not the name, not the street address, not the country, not even the gender of the receiver, it all means absolutely nothing. The clerk will not bother to check ID and will simply hand off the cash to whomever walks in the door with the MTCN# and question/answer. Neither company will tell the sender who picked up the cash, at what store location or even in what country the money walked out the door. Neither company has any kind of refund policy, money sent is money gone forever.
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It depends on many factors. Depending on your personal spending habits. What other debts you have. And your current situations, and future obligations. Just so you know what a mortgage underwriter will look at. They will look at all of your minimum payments on all of your credit cards, installment/auto loans, and the new mortgage payment (including escrow). They will add up those payments and divide that number by $3000. As long as that number is 0.45 or lower you should get your loan approved.
Great question, and the right way to start looking for a home is to know exactly what you can comfortably afford. - The industry 'standard' for a lend-able debt-to-income ratio is right around 36% meaning that your combined debt (mortgage, credit cards, student loans, etc.) should not exceed 36% of your total income. A typical payment-to-income ratio is somewhere between 28% and 33% of gross income. - You need to take into consideration how much money you will have as a down payment. If it is less than 20%, you may need to pay PMI (Private Mortgage Insurance) which will change the ratios a bit. - The interest rate you receive should also factor in to what your monthly payment will be. Interest rates are dependent on credit score, credit history, loan-to-value ratio and the type of loan program that works for you. Good luck on finding a home! I've included a link to the LendingTree Home Affordability Calculator where you can type in your exact information and get an estimate of what you can afford and what your monthly payments will be based on interest rates, down payments and property tax information.
I allows recommend that your total mortgage payment isnt more then 25% of your gross income. However, as the income goes lower, I recommend around 20%. The reason is, as your income goes lower, fixed expenses use a greater percentage of income. Based on your post, the MAX!!! mortgage I would get is 750 a month. Better would be 600 a month. A 750 payment = $115,000 mortgage + down payment = purchase price A 600 payment = $90,000 mortgage + down payment = purchase price'
How much of your monthly income should be a mortgage payment? T.R.Y T.H.I.S. S.I.T.E W.H.E.R.E Y.O.U C.A.N F.I.N.D T.H.E B.E.S.T S.O.L.U.T.I.O.N F.O.R Y.O.U
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It depends how it is being received. Student loan most likely would not count as income, but as resource. Income is what a person receives every month. Student loans are a lump sum money that is used a resource to pay for school. But it can be used for any other purpose as well.

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