I rebuilt and it's all fallen apart again - starting from scratch

[haleyjen]

I have figured out a plan for most of it, but I have an OppLoans account that got forwarded to a lawfirm.  I will lose my apartment if I get a judgement, but I can't afford to pay more than $150 a month which I'm not sure they'll take.  Any advice?

[donkort]

I'm sorry you're going through all this.

Why would you lose your apartment?  Your landlord doesn't have to know your legal situation. 

[Anonymous]

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@donkort wrote:

I'm sorry you're going through all this.

Why would you lose your apartment?  Your landlord doesn't have to know your legal situation. 

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Agreed. Your landlord doesn't have to know. I'm sorry to hear your going through this though. Best of luck!

[donkort]

Do yourself a favor:  if possible, don't take a loan again from a "bad credit" loan company.  They exist because they "know" you will default on the loan, and they make a killing from the interest they charge as you fall behind on the loan.

Please stay around. I am sure people will have advice as to how you can deal with the judgement.   People who have been the victims of 'bad credit" loan predatory loan companies. 

[Azuieldrago]

To the people who are asking why the landlord may evict. Possible for failure to pay in a timely and consistant manner. Another possiblity, some landlords are quite strict in things like that. Can't have anything more than parking/speeding tickets. And most states you can search for judgements. OP. I would call the lawfirm and setup payments that you can honestly and safely pay, and send those payments in despite if they agree to it or not. In my state, if a payment is outright refused even if its below what they want, the debt is cancelled out. Another point, if they take you to court, it proves to the court that you are already making payments that you can safely afford. Odds are, the judge would keep it at that. 

[donkort]

It would depend on the lease.

On most leases, I doubt that a landlord could evict someone for a legal judgment.   If they don't pay their rent, then, of course, they can get evicted.

If there's lots of people in the place where she's renting, I doubt that the landlord has time to constantly do credit/background inquiries on people.   I would say, in practical terms, that the tenant would have to do something to draw attention to his/herself in order for the landlord to do a background/credit check on that person.  

Still, it would be good to follow Aduildrago's advice as to setting up a payment plan. 

[donkort]

It would be useful if the Original Poster, if she so desires, provides the state where she lives.  

[haleyjen]

Hi All - OP here.  Sorry, I think I stated my concern incorrectly.  When I talked about losing my apartment, I meant if they get some judgement where they can take 400 dollars or something from my paycheck, I wouldn't not have enough money to also pay my rent.

I am in Illinois.

[haleyjen]

And yes,  I would never do this again - I was desperate and needed to pay the rent.

[FireMedic1]

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@donkort wrote:

It would be useful if the Original Poster, if she so desires, provides the state where she lives.  

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This. Depends on state. If you file a Chapter 7 and are not behind in your rent payments, then the general answer is, “No.” Filing a bankruptcy case does not breach or terminate the lease agreement, so the landlord cannot evict simply because you seek bankruptcy protection. Anything not related to the lease shouldnt be a problem. Now if your busted for drugs. Well.................