- October 28, 2023
- Posted by: legaleseblogger
- Category: Related News
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How AI Legalese Decoder Can Help with Your Situation
Introduction
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Conclusion
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Introduction:
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The Need for Simplifying Legal Language:
Legal language plays a crucial role in ensuring clarity and precision in legal documents. However, it often becomes a barrier for non-lawyers and the general public who struggle to understand the implications and consequences of certain legal terms. Jurisprudence should be accessible to everyone, regardless of their legal background. By doubling the length of the original content, we can delve further into the importance of simplifying legal language.
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Conclusion:
To sum up, legal language can be a hindrance to effective communication and understanding within the legal system. However, thanks to advancements in AI technology, tools like the AI Legalese Decoder are now available to simplify legal language and make it more accessible. Doubling the length of the original content has allowed us to explore the challenges individuals face when confronted with complex legal jargon. By utilizing AI Legalese Decoder, legal information becomes comprehensible to a broader audience, fostering transparency, efficiency, and fairness within the legal realm.
****** just grabbed a
ÔÇ£Currently seeking a remote jobÔÇØ
No in your position you canÔÇÖt afford that luxury, you are currently seeking a job
Obviously, you need to get employed. At this point, literally anything is critical – fast food, warehouse, retail, etc. all seem to be hiring right now.
Beyond that, I would look at some form of credit consolidation depending on your credit access, or a LOC, to transfer that 50k to – hopefully shave the interest down. Maybe a home-equity loan, etc.
Lots of potential options in terms of financing, but you need to stop the bleeding first and find some revenue.
Find any job. Not a remote job.
Look into selling the house ASAP. Doesn’t sound like you can afford this house to begin with given you’re in $50k of cc debt and don’t have savings/emergency fund to pay your mortgage.
Have you looked into forbearance for your mortgage? Call centers usually pay decent but for a good reason. They are stressful and mentally draining. Gotta do what you gotta do.
A quick guess of OP’s monthly debt expense.
* Credit card debt of $50K at a national average of 21% is $875 just in interest. Minimum monthly balance could be another percent.
* Credit card of 875 plus monthly mortgage of 2800 is 3,675 per month.
A salary would need to pay 21.40 per hour (to cover FICA) just for debt servicing.
Realistically, you need to sell your house.
Others have mentioned ideas but seems like you are unwilling to make lifestyle adjustments. Other things you should do-
– get kids enrolled in school and after school program
– get any job to bring in income for the short term. Target at $15 an hour will bring in enough to pay for everything but mortgage.
– rent out rooms in your house
– seek child support
– STOP SPENDING MONEY ON ANYTHING BESIDES NECESSITIES (that a PF regular would consider a need, not what someone with 50k in debt considers a need)
– start talking to moms groups about shared babysitting. IE you watch their kids sat and they watch your kids sun so you can pick up an extra shift.
Remote jobs are harder to come by now. You need to lower your standards and find any job that you can so that you can pay the mortgage and essential bills. You can still apply for remote jobs even when working and drop the in person job once you find a remote job. You have eleven staying home for too long to have that much debt.
I’d advise finding something with tips, those are probably some of the better paying entry level jobs.
And if you have enough equity look into interest only mortgages.
So you donÔÇÖt want to rent out part of house because of kids. ThatÔÇÖs understandable. Need to work remotely to avoid childcare. Kids arenÔÇÖt in school though? Options are limited short term. Maybe look into a remote teaching position long term?
Unfortunately, the reality of situation moving forward is you are single, unemployed mother, with 50k debt, and mortgage on house. Probably will have to sell and start renting or move in with family member possibly? Need to find way to declare bankruptcy possibly in order to start getting an emergency fund situated and get finances under control
It’s not as simple as just getting any job. Getting a low paying job won’t solve the problem for OP. Even if she puts 100% of her take home pay into the mortgage, it still won’t be enough if she gets a low paying job.
Hard to help, because OP didn’t specify what she did before, or skill, or how she was previously affording the mortgage. Assuming no skills or qualifications, call center jobs might be the best option to get quickly hired. But it’s higher questionable whether a call center job would be enough to cover a $2800 mortgage and payments for that much credit card debt on top of normal living expenses for herself and kids. I wouldn’t be surprised if she needed a $100k salary. Getting such a job that allows remote work out of the blue seems optimistic.
Sadly, if getting a job that pays well enough to cover expenses is not practical, will have to restructure financial situation with options like bankruptcy or selling the house.
If you have a car, license, and no duis usually you can get a delivery job. I did pizzas for awhile and make about 200 cash for a 5pm-2 am shift. Also got minimum wage in top of that. Kind of a hustle in the long run because of car costs but if you need cash in hand quickly usually theyÔÇÖre hard up for responsible people.
Your kids are old enough that you’d only need after-school care, which isn’t super expensive (when compared to daycare). You may need to consider a roommate (do a background check). A college student would be ideal.
You may need to consider moving. In any economy, a $2800 mortgage is a LOT. You may be able to find a 3 bedroom and save $1000 a month.
With an accounting degree, you may be able to offer business start-up services to small businesses and male a good monthly income and still work from home. Otherwise, you’ll need to find an office job like most people. You could also do the start-up on the side while you try to catch up on your bills and work a full-time job.
For whatever reason, you are burying your head in the sand with high bills and super picky requirements. You’re not in a position to be picky when your other option is homelessness.
Get a job – any job – while you search for something in your specialty. DonÔÇÖt be too proud to hit up family if you think they might help.
Also donÔÇÖt be too proud for bankruptcy if thatÔÇÖs what it takes. It may save your house
What? Why are your kids not in school?
Who is covering the mortgage?
This feels disingenuous.
Get a day job.
My guy, you need any job. The fuq you mean what industry pays well? You donÔÇÖt already have a career field? Are you incapable of actually working outside the home? Get your CDL and drive.
The answer here will depend on where the debt came from.
Can you rent out a bedroom? Are you in that very specific circumstance where you could rent out your whole house and either stay with family or save money by renting a cheaper smaller house yourself?
Been there, laid off during the Recession in 2010. Unfortunately, after I got a job (can you look into temp work through an agency if you have clerical skills?) it was 6 years of Chapter 13 bankruptcy for me. They tried and tried, but they did not take my condo away! I was sued by my HOA and my wages garnished. I couldnÔÇÖt make my mortgage payment with what was left, so there was no other option for me. It was the best move at the time and is far behind me now. I have a very high FICO score and just got my first credit card since 2013, just for fun. No other debt but the mortgage. (ThatÔÇÖs a story in itself, thank you, Bank of America.)
Also, I bankrupted a 401(k) to make mortgage payments before I ultimately filed for bankruptcy. DonÔÇÖt know if you have a retirement account, but I would not recommend. It was money wasted and I wish I had it now.
I know it would probably suck for your kids but i would consider downsizing to an apartment and renting your entire house out to cover the mortgage and cover a bit of your rent, so you can focus on paying off your cc debt.
Might realistically be your best option not involving selling/losing the house permanently.
You can probably make $200 a day as a server for any decent restaurants
Is there equity in the house?
Surely selling it and pocketing the equity would be better than going into foreclosure.
FYI: You usually have to be 4 months behind on the mortgage for them to start foreclosure proceedings.
Do you have any savings at all? If your savings/cash on hand is limited, the mortgage and living expenses are more important than the credit cards.
Look into “nondestructive testing”. There are never enough technicians, the jobs are not that difficult, starting pay is usually very good w/benefits, and pay scales up rapidly as you accumulate more certifications, especially xray and ultrasound, but those advanced certs require a year of logged On-the-job training
ELI5: how do people make 50k CC debt
What about Uber/Lyft and Amazon Groceries delivery. Go on Nextdoor and Facebook and put an add to clean houses, walk dogs, clean up dog poop any thing at this point. Another place to look is mom’s groups on Facebook. My wife scored a fucking unicorn job by just asking around in Mom’s groups.
When my parents were working their butts off to put a roof over our heads, we (children) stayed home and watched ourselves.
Your kids can look after themselves until you get home from work. Wtf.
What were you doing for a job before? What experience/education do you have?
50k?!?! how the hell did you let that happen while trying to afford a mortgage of 2800/month. Did you have a high income and then just stopped working?
When did you buy the house?
A chapter 13 bankruptcy can save your house, but you cannot get approved for a chapter 13 if you don’t have a job. Also, I wouldn’t personally recommend a chapter 13 because it’s designed for the creditor’s benefit and Ch13’s fail the majority of the time. Beware if it is suggested.
It sounds like you would qualify for chapter 7 bankruptcy. You will lose everything, but that includes all your debt wiped out, and you get to start over immediately.
Your mortgage by itself is on the high end unless you have a 100k+ job, and I am sure that CC payment is salty on top. If you have high earning potential you have a chance, but saving that you should consider bankruptcy and making sure you avoid this situation in the future. That probably means looking for alternative living arrangements.
You need a reset plan in my opinion. That reset plan *could* include getting things together for a few years, and manage to pull together a down payment (3.5% or so) on a multifamily property that you can house hack. You can get a multifamily property with an FHA loan if it’s owner-occupied. Then you live in a unit and rent out the others. The result is low living expenses with a stable living environment. I’m not saying that’s your entire strategy, but it could be an underpinning piece since shelter will always be important. That’s the future though. Best wishes in the present.
Get a job. Any job. This is serious.
You can look for jobs on https://www.usajobs.gov/
Some of the government jobs are remote.
It may be hard to get a accounting job if you are having financial difficulties.
From what I read. I really donÔÇÖt think that you are going to be able to avoid foreclosure. If youÔÇÖre already 2 months behind payments itÔÇÖs going to be hard to catch up once youÔÇÖre behind.
Contact a bankruptcy attorney. Talk to them they can give you advice on how to deal with your situation. Usually the first visit is free.
How much equity do you have in the home? Might be worth selling it. Pay off the debt and rent something short term until you can get back on your feet.
Better then foreclosure and defaulting in CC debt.
Find support from local social services. BEFORE you lose your house.
Gotta sell the house. Hopefully you have enough equity to pay off the cards.
Maybe try getting gig jobs, like door dash, uber, etc. That way you can cut out to take your kids places no problem.