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Sorry to hear about your mother passing.. To get started and for best advice, can you start by listing as to how much the payment for the house is monthly? How much do you own on your credit cards and what are your payments? For the car, have you tried selling it privately by listing it on Craiglist?
Sorry to hear about your mom. Any thought about getting a cheaper car? What about other costs you incur, maybe cut out cable - netflix, anything like that? How about refinance mortgage if it's current too high? I wish you the best of luck..
@Anonymous wrote:
Can’t sell the car. It would be a loss and it has a lien on it. Would cost me 6k to sell it.
I have my old car so a car isn’t the issue as of now. Can’t cut any costs as I have bare minimums now. Current mortgage isn’t too high and I can’t refinance or borrow as it’s not in my name. Still in my moms.
My cc debt is 20K. Car payment is 737. Can’t refinance and can’t get a personal loan. Sucks all around.
Don’t want to walk away but I really have no choice right now.
When is the house getting transferred to your name? (i.e. what's going on with the settling of your Mom's estate?) Will any $$ be coming to you that you can use towards your debts?
Also, where are you coming up with the figure of it costing $6k to sell your car?
@Anonymous wrote:
Can’t sell the car. It would be a loss and it has a lien on it. Would cost me 6k to sell it.
I have my old car so a car isn’t the issue as of now. Can’t cut any costs as I have bare minimums now. Current mortgage isn’t too high and I can’t refinance or borrow as it’s not in my name. Still in my moms.
My cc debt is 20K. Car payment is 737. Can’t refinance and can’t get a personal loan. Sucks all around.
Don’t want to walk away but I really have no choice right now.
Don't walk away from a house that's not in your name, you'll get nothing. If your mom didn't have a will - will you ever get it down the line?
How about a roomate?
@Anonymous wrote:
House isn’t changing name anytime soon and no money coming to me.
The car I got three estimates from various places on value. Right around 32k for all. I owe 38. Hence the difference.
They are quoting you $32k so they can sell it for $40k.
Sell it on your own and I bet you can break even on it.