Your Questions About Check My Mortgage Statement

Ken asks…

ANy tips for dealing with an employer who is SLOW TO PAY?

I asked this in another section, I added details and am looking for more response. Thansk in advance

My employer has me pay for business related expenses out of my pocket, and its hard to be reimbursed. Not just hard, IMPOSSIBLE.
As a consultant I travel a lot for business, and am expected to pay for all business related expenses out of my pocket, then fill out expense form and get reimbursed. For some reason our Accounts Payable person is VERY VERY slow to cut these checks. Currently I have 3 weeks worth of expenses out that have reached 4 figures and are in excess of my actual pay. I have asked them to expidite my check as its costing me more to work here than I make. I was simply told to put charges on my personal credit card and then I would not have to worry about it for 30-45 days. That statement is absurd to me, as it is still taking from resources I have available to me to care for my family. I have kids, mortgage, car loans….all the things people have that make an income vital. I know there are no laws to protect me as an employee, but what can I do? I am at the point today where I fell like going to the director of operations and saying that the company is causing undo hardship, and I NEED my money NOW, but I fear I will just get fired and with the economy tanked it could be a while before I land gainful employment. Suggestions?

In our handbook checks are to be cut on Wednesdays, which NEVER happens. I am to be reimbursed for ALL business related expenses ie airfare, hotel, supplies, meals…Sometimes I am gone for a month straight and it ADDS UP
I have talked to my supervisor, and my supervisor has helped in the past, but it is an ongoing problem. I called my supervisor yesterday and explained again that I am suffering undo hardship, that I have kids and need to get PAID. My supervisor is out ill so there is not much that person can do. I have tried to talk to out AP director, but that person is the one who drags feet cutting checks. There is always an excuse, ran out of time, printer broke….no paper….no PENS….they are all absurd to me.
It is hard to save up cash to fund their business trips. I make a great salary, but am being forced to spend months on end in hotels in varioous cities, buy equipment that runs in the THOUSANDS…

Right now I am being told to pay for YET ANOTHER trip, that will cost THOUSANDS and I just can’t do it. If I do, my kids dont eat. I’m up against a wall here and at a loss

admin answers:

I hate to be the one to draw this to your attention, but you have hitched your wagon to a falling star.
The fact the company does not issue you a business credit card, or advance you expenses money BEFORE the trip, and you have to pay out of pocket means that they are teetering on failure, or they use employees and then stiff them. Obviously, they are not the least bit concerned whether you are a happy employee or not. Most employees would have given notice when it reached the point that the employee was supporting the company more than the company was supporting the employee.
You don’t actually have a job. There is no future with this company.
There is no federal law that covers this expenses reimbursement. Your state may have some statute, but I actually doubt it. I am assuming you are an exempt employee ( on salary rather than hourly)
You could take them to small claims court under a contract theory. Which you may have to do anyway.
If you refuse to go until your expenses are caught up, I think we would see you terminated and the company will probably never pay you unless you sue them.
If you post your state, I could check for case law, but these people are operating like a “fly -by-night” company ( even if they aren’t.

Betty asks…

Any thoughts on this question?

When I got a mortgage to build a home 17 years ago (after 23 years of marriage), the bank I got the money from did such a background check on me that it’s a wonder that they did not ask me the color of my great grandfather’s eyes.

I had to show them my income tax returns for the previous 4 years, get a statement from my employers (I worked a regular job of 40 hours/week (supposed to be 40, but usually about 44-45, but did not get paid for overtime), and a part time job of 25 hours/week.

For 9 years and 4 months I worked 65 hours/week, with 3 weekends off during the entire time.

Having said that, our home is now paid for (paid off 2 years ago, praise the Lord).

When I got the mortgage, I KNEW how much I could pay each month. I did not go into the agreement asking for a much larger loan than I could pay back. If I had, I think that the bank would have denied my request.

Why. . . .why. . . why would those banks who loaned money to people who they KNEW that they could not repay them do this?

Why in the world would people take out a mortgage KNOWING that they could not pay it back?

admin answers:

Because some greedy agent made them believe that they could pay it off….

Talked them into signing the paperwork for an ARM and forgot to mention that this monthly payment that is so affordable, will double in 5 years when both interest and principal is due for repayment.

So they did the 100% financing…. Never realizing that they weren’t even paying back the interest… And the difference was tugged onto the mortgage until it hit the infamous “ceiling” and the house of cards came tumbling down.

Don’t feel sorry for yourself…. Because while you worked your butt off to get the house paid off… You at least had an honest mortgage contract and you did get it paid off…. That house is yours…. All they got is a lot of debt and ruined credit.

Donna asks…

Any thoughts on this?

When I got a mortgage to build a home 17 years ago (after 23 years of marriage), the bank I got the money from did such a background check on me that it’s a wonder that they did not ask me the color of my great grandfather’s eyes.

I had to show them my income tax returns for the previous 4 years, get a statement from my employers (I worked a regular job of 40 hours/week (supposed to be 40, but usually about 44-45, but did not get paid for overtime), and a part time job of 25 hours/week.

For 9 years and 4 months I worked 65 hours/week, with 3 weekends off during the entire time.

Having said that, our home is now paid for (paid off 2 years ago, praise the Lord).

When I got the mortgage, I KNEW how much I could pay each month. I did not go into the agreement asking for a much larger loan than I could pay back. If I had, I think that the bank would have denied my request.

Why. . . .why. . . why would those banks who loaned money to people who they KNEW that they could not repay them do this?

Why in the world would people take out a mortgage KNOWING that they could not pay it back?

admin answers:

Please accept my praise for being a hardworking, intelligent, and conscientious citizen. People like you are what made this country great.

The problem, in my opinion, lies in the fact that most banks in the U.S. Do not hold the mortgage loans that they write. They sell the loans to Fannie Mae and to Freddie Mac, and collect a large fee. Some mortgage companies encouraged their customers to take out larger loans that they should have because the company could collect larger fees. They really did not care if the homes were foreclosed.

Every bank in this country should be required to hold all the mortgages they write in their portfolio until every penny is paid off. Fannie and Freddie should be dissolved, closed, boarded up. The incentive to create big bad loans will no longer exist. We should get back to basics– like Canada.

Canadian banks are in great shape! They have not failed! They have one of the strongest economies in the world, and one of the strongest currencies in the world! Canada does not have a Fannie Mae or a Freddie Mac. The banks write good loans because they have to hold that paper until it is paid off! End of Story.

Susan asks…

I cancelled my wedding 🙁 Did I make the right decision?

I recently called off my wedding and I am a complete mess! My finace went to Vegas for his bachelor party….once he returned home, I could sense something was wrong. The next day while he was napping I heard a ringing come from his ipad….this normally doesn’t happen so I checked it out. I opened it to find text messages coming through between him and another woman. The first statement was him assuring this woman that he did not sleep with another woman in Vegas. She responded that she believed him and that she loved him soo much and was upset to see him with someone else. She knew he was engaged because she also told him Congrats on the wedding and that she would see him soon because she would be in our city in a couple weeks (come to find out she used to live in our city, then moved out of state).

I was extremely upset but I didn’t want to jump to any conclusions, so I didn’t bring it up (that was hard!!) The next day, he went to work so I went to check ipad again…it was gone. As I layed my son down (we have have 2 children together and have been together for 10 years) I heard the ringing again and realized that he tried to hide it. I opened up the messages again and to my surprise…..the floodgates opened! She was talking about money and giving him thousands of dollars from another man and told him what’s hers is also his…and then more devastating…she asked what he was thinking about when they were making love…..he responded “you already know lol” and my heart sank. She continued on with vulgar sexual comments, sent a picture of herself and talked about how she can’t stop thinking about him and that she wants to always stay in contact. He responded that they would definitely….I called my mother to come pick me and the kids up and I left.

I even called this girl to see what was going on and she was trying to cover everything up…her story was lame and didn’t make any sense. I then went to confront him and he denied even seeing or talking to this girl for years. I told him I already spoke to her and to prove me wrong by showing me his phone…He refused and so I left. I told him the wedding was off. Since then he has claimed that yes she was there, but he didn’t do anything then….actually he slept with her 2 years ago…and just so happened to run into her in Vegas, but there was nothing going on. He admits he would have taken money from her because come to find out….she had already given him 30,000 in the past! He said he doesn’t love her he loves me and that she was just trying to ruin our relationship. He says I’m making a big mistake because he didn’t do anything in Vegas, that his past just caught up to him, and that his only mistake was to allow her to communicate with him.

Past info on our relationship is that this is not the first time he has lied and cheated on me. For our family’s sake, I have always forgiven him and taken him back to work on our relationship. Before he proposed, I almost left him for flying down to Dallas with another woman on Mother’s Day 🙁 I know that there has been a lot in our relationship, but I have always tried to save “us” and work on our relationship because when I am with him, he is good to me. Although, for the last year I have had to pay the mortgage and all the bills because he doesn’t make as much money as I do.

As I write this, I understand how naive and stupid I sound…but I am still an emotional wreck because I feel like my world has completely turned upside down…and I hate that this has been so public. I go back and forth between feel strong and leaving him, and full of weakness and regret, as I feel that I handled the situation wrong and that perhaps I should have worked things out without pulling people into our relationship. He won’t leave the house so I have to pack up the kids and move somewhere completley new and start over. I am scared and feel that although I have tremendous support from my mother and friends, that maybe I am making a mistake and will be miserable for the rest of my life.

I need help! Thanks for reading.

admin answers:

You’re not making a mistake.

He is a cheating, lying, inconsiderate person from ehat you’ve said. The very fact that you’ve been paying the motgage and yet you’re the one who has to leave shows that he doesn’t really care at all.

He’s cheated multiple times, I very much doubt he will stop. I don’t think you want to keep going through this, do you? When your children are older, they will respect the strength it took for you to leave everything familiar, rather than returning to him because it’s comfortable, rather than practical.

Of course this would be difficult, it’s easy to say ‘be strong, he’s a d!ck’, but the reality is that you are used to your life with him and will find it hard at first to stay away from him. That doesn’t mean you should go back, he clearly doesn’t treat you the way he should. I would rather be alone than lied to, cheated on and disrespected. Be strong, not just for yourself but your children too- no child wants their mother to be treated that way.

John asks…

How can I make a lawyer turn over his records of my late wife’s will?

My step daughter has gone insane after her mothers death. The both of us were named as executors of the will. She STOLE my copy of the most recent will,and I filed a report with the sheriff. The sheriff told me that “if” a copy of the other will could be produced,then charges could be laid, otherwise,at this time it’s just a civil case. My step daughter entered my house under false pretenses, when I wasn’t home, and stole my copy of the will,and then went and filed an earlier ‘version’ with the court. She also sued me to have me removed as executor because her layers did a background check on me. I have a felony from over 25 years ago. State law says I can be removed because of my record. The lawyer that did the wills for my wife refuses to help me. He said I must get a statement to release my late wife’s records, from my stepdaughter, because SHE is now the executor. If I go to the length to drag that creepy lawyer into court, I would then really want the step daughter charged with FRAUD and BURGLARY , and HARASSMENT. I’ve already been ‘banned’ from ever seeing the step-grand kids. They all call me “Gran-pa up-up”. Not only did they lose their beloved grandma, now they are denied gram-pa up up as well. I have the FULL support of the other step children. (all of them are over 21)
How can I get the copies of the will, without having to charge my stepdaughter and her redneck husband with criminal ,charges?
I just want to have that will in my hands to SHUT HER THE FK UP!
I have some assets for a lawyer, but if I have to go there, she and her husband have to go to jail. Is that the only way?
I have several signed and notarized statements from witnesses as to the existence of the second will, and it’s provisions. That includes my wife’s sisters, my mother, and the minister that performed our marriage. Now she is refusing to provide the paperwork I need to complete the ‘SIMPLE ASSUMPTION’ so I can get the house transferred into my name. She says her lawyers say she can sell it. The mortgage is UNDERWATER ! She doesn’t care, she’s NUTS ! What can I do?
the house does belong to me, but in the ‘earlier’ version of the will, there is a clause that since we weren’t married, the house should be sold asap, and if it didn’t sell after 6 mos. , then I would have top battle it out with the Bank of America home loan dept. But after we were married, the UPDATED,STOLEN will gave me the house, and ALL the incoming insurance money from AFLAC. I really think handcuffs are gonna look good on her !
After the sale,any equity, if any, would be split fairly and legally. 50% for me, the other 50% split between the three adult kids.

admin answers:

What does your attorney say–you do not have one, get your own attorney NOW or risk everything.*

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