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If you are having a tough time paying bills now, can you really afford to buy her out? Don’t let your pride make a bad decision you’re stuck with for a decade or more. It’s ok to sell it, walk away and start fresh with some cash back in the bank. You’ll need a place to live anyway. |
| OP like I've said in the past to you specifically. You need to cut all ties with the ex, everything. Get rid of that damn property. It's holding you back from growing, emotionally and real life. If you care about your children, do everything for them, not some distant memory of what could have been. |
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Quoted: The op is refusing to answer a lot of questions. It’s pretty easy to infer the answers based on the ones he’s ignoring but how is anyone going to give opinions based on the very little info we have. What we know, correct me if I’m missing anything is, the house is worth approx 240k, owes ex 120k, makes 19$ an hour at a single presumably full time job, owns 160 acres of which only 5 is useable, has an 18 year old daughter as a roommate, needs a new roof and other repairs but we don’t know what, isn’t up on his taxes, doesn’t currently have home insurance, we don’t know about things he can sell such as vehicles, has 1 item he can sell but then have no idea how close that gets him to paying off the “unexpected bills” he just got that we don’t know the amount of. Oh and based on not answering my question no retirement to tap into or plan for the future. I think he’s getting some really solid advice unless I’m missing something. Quoted: Quoted: Quoted: Quoted: I’m amazed at how brutal people are here. OP might be better off in a better area with better jobs but nobody here *knows* that. OP figure out what’s best for you. People here are thinking purely in terms of income, not cost of living or the cost of moving his children to a new life. Sometimes honesty is brutal. Op can’t afford what he wants to do. Time to figure out a plan B. Have you not read the last 87,000 posts of his? “I absolutely cannot afford this. But anyway how do I do this?” The actual math he has posted makes it seem doable. The ‘I can’t do this’ stuff might be the result of math or might just be a guy who’s overwhelmed. If he sells his place and walks away with $120k and has to go elsewhere and buy a house with a new job…..ehhhh, that won’t be easy either. Lenders like to see stable employment history. At the end of the day OP knows what his situation is. We don’t. The op is refusing to answer a lot of questions. It’s pretty easy to infer the answers based on the ones he’s ignoring but how is anyone going to give opinions based on the very little info we have. What we know, correct me if I’m missing anything is, the house is worth approx 240k, owes ex 120k, makes 19$ an hour at a single presumably full time job, owns 160 acres of which only 5 is useable, has an 18 year old daughter as a roommate, needs a new roof and other repairs but we don’t know what, isn’t up on his taxes, doesn’t currently have home insurance, we don’t know about things he can sell such as vehicles, has 1 item he can sell but then have no idea how close that gets him to paying off the “unexpected bills” he just got that we don’t know the amount of. Oh and based on not answering my question no retirement to tap into or plan for the future. I think he’s getting some really solid advice unless I’m missing something. This sounds about right it’s unfortunate but the math doesn’t seem viable. |
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Quoted: Instead of going to school or working towards her own place? That's the same manipulative language my FIL used to try and get my wife to save the house he couldn't afford. Of course it really was "family" property as it was in the family for 3 generations, not just ten years. It didn't work either. Are they family or not? Is she an adult or not? She can contribute. I paid 1/4 of the mortgage as soon as I turned 18, and my parents weren’t about to lose their house. |
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Quoted: You think it's shitty that she has not forced the money she was owed until she absolutely needed it? Women suck in a divorce, he got a pretty good deal from his ex by not forcing the issue of immediate payment. OP knew this day was coming and for whatever reason (hell, I’d be depressed about it too), OP squandered that opportunity. Now, he stands to lose the house thru court action he knew would be the ultimate motivator and both he and his daughter will be homeless. It doesn’t get any better from here on out until he starts to get Proactive about his future. The default option is worse for him and is coming no matter how much he Eyore’s over it. Am I too early to predict his ex moving back in and keeping the shitshow alive? |
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If I lose the house/property because of unpaid taxes/legal fees, I can’t sell it, lumber it, subdivide it or sell it. I don’t think I’m in a position to ‘just walk away’. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That’s what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can’t keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family’s furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I’m in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I’m making breakfast). She fell back asleep in the crook of my arm and I’m trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it’s still gonna take longer than I have. |
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Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can’t sell it, lumber it, subdivide it or sell it. I don’t think I’m in a position to ‘just walk away’. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That’s what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can’t keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family’s furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I’m in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I’m making breakfast). She fell back asleep in the crook of my arm and I’m trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it’s still gonna take longer than I have. This property has become your "Old man and the Sea." If you know you can't keep it, afford it, get a drastically better paying job, sell parts of it, etc, then start taking control of the bad situation by doing things that you can actually accomplish. It sucks you're 99% going to lose that place, but think of what you can accomplish with a big chunk of cash and a better paying job. Good luck op, I really hope you get out of this a better person |
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Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can’t sell it, lumber it, subdivide it or sell it. I don’t think I’m in a position to ‘just walk away’. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That’s what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can’t keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family’s furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I’m in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I’m making breakfast). She fell back asleep in the crook of my arm and I’m trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it’s still gonna take longer than I have. That's $8400. Two questions: 1) if you had an extra $8500 to $10k, could you get caught up to date, and 2) would that allow you to get the mortgage on the 120k? Then a third question: If you did that, could you make the payments on your current income? Could you pick up more hours or a side gig and make it? I won't pretend that other people haven't raised legit points here. I own land and I know how the ties grow and I know that the typical suburb dweller doesn't understand that and there are legions of people who have died trying to hold on to land because they see land as life and, believe me, I get that, and appreciate it. But can you do it? If you had a one-time shot in the arm, right now, to get caught up on this $8500, could you reasonably pay a mortgage moving forward? You're already paying taxes (or you should be) and insurance. You'd be adding $700 to $750 per month. Can you ask the daughter to chip in $100 and perhaps sell some timber, lease the hunting rights, or anything of that nature to give yourself a shot in the arm? Can you find another $100 per week? I have probably made $6000 this year doing some side gig stuff taking photos of property (houses and wrecked cars). It isn't much but that works out to almost your hypothetical mortgage payment. Can yo do this? If you had help looking for side gig work could you pull it off? Because if not.....everyone else is right, you need to sell out, buy what you *can* manage, and move on with life. Personally I think you can pull off the mortgage on the farm. But you have to have a plan for it. ETA: When's the last time you had a yard sale? Have you ever offloaded old junk on eBay? I sold probably $500 worth of old junk on eBay last year just to get it out of my barn. |
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GIVE. IT. TO. YOUR. EX. WIFE. She is on the title. She can figure out the roof, maintenance, taxes, furniture, etc. You owe her $120k. You can’t pay it. Yes, then you will have to figure out a new place to live, just like multitudes of 18-26 year olds do everyday as they leave their homes. I’ll agree with previous posters. You love drama and dramatic threads. |
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Quoted: GIVE. IT. TO. YOUR. EX. WIFE. She is on the title. She can figure out the roof, maintenance, taxes, furniture, etc. You owe her $120k. You can’t pay it. Yes, then you will have to figure out a new place to live, just like multitudes of 18-26 year olds do everyday as they leave their homes. I’ll agree with previous posters. You love drama and dramatic threads. Wouldn't the ex-wife owe him 120k in that scenario? |
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Quoted: He doesn't know. When the ex goes after the market value, he will learn the value when the place sells. But he does know, and he's already stated the number in the thread, more than once. It's $120k. Certainly the ex could try to get more - she can do most anything until he gets free from her, which is sort of the point here - but my goodness you people are downers. |
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Quoted: That's $8400. Two questions: 1) if you had an extra $8500 to $10k, could you get caught up to date, and 2) would that allow you to get the mortgage on the 120k? Then a third question: If you did that, could you make the payments on your current income? Could you pick up more hours or a side gig and make it? I won't pretend that other people haven't raised legit points here. I own land and I know how the ties grow and I know that the typical suburb dweller doesn't understand that and there are legions of people who have died trying to hold on to land because they see land as life and, believe me, I get that, and appreciate it. But can you do it? If you had a one-time shot in the arm, right now, to get caught up on this $8500, could you reasonably pay a mortgage moving forward? You're already paying taxes (or you should be) and insurance. You'd be adding $700 to $750 per month. Can you ask the daughter to chip in $100 and perhaps sell some timber, lease the hunting rights, or anything of that nature to give yourself a shot in the arm? Can you find another $100 per week? I have probably made $6000 this year doing some side gig stuff taking photos of property (houses and wrecked cars). It isn't much but that works out to almost your hypothetical mortgage payment. Can yo do this? If you had help looking for side gig work could you pull it off? Because if not.....everyone else is right, you need to sell out, buy what you *can* manage, and move on with life. Personally I think you can pull off the mortgage on the farm. But you have to have a plan for it. ETA: When's the last time you had a yard sale? Have you ever offloaded old junk on eBay? I sold probably $500 worth of old junk on eBay last year just to get it out of my barn. Quoted: Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can’t sell it, lumber it, subdivide it or sell it. I don’t think I’m in a position to ‘just walk away’. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That’s what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can’t keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family’s furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I’m in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I’m making breakfast). She fell back asleep in the crook of my arm and I’m trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it’s still gonna take longer than I have. That's $8400. Two questions: 1) if you had an extra $8500 to $10k, could you get caught up to date, and 2) would that allow you to get the mortgage on the 120k? Then a third question: If you did that, could you make the payments on your current income? Could you pick up more hours or a side gig and make it? I won't pretend that other people haven't raised legit points here. I own land and I know how the ties grow and I know that the typical suburb dweller doesn't understand that and there are legions of people who have died trying to hold on to land because they see land as life and, believe me, I get that, and appreciate it. But can you do it? If you had a one-time shot in the arm, right now, to get caught up on this $8500, could you reasonably pay a mortgage moving forward? You're already paying taxes (or you should be) and insurance. You'd be adding $700 to $750 per month. Can you ask the daughter to chip in $100 and perhaps sell some timber, lease the hunting rights, or anything of that nature to give yourself a shot in the arm? Can you find another $100 per week? I have probably made $6000 this year doing some side gig stuff taking photos of property (houses and wrecked cars). It isn't much but that works out to almost your hypothetical mortgage payment. Can yo do this? If you had help looking for side gig work could you pull it off? Because if not.....everyone else is right, you need to sell out, buy what you *can* manage, and move on with life. Personally I think you can pull off the mortgage on the farm. But you have to have a plan for it. ETA: When's the last time you had a yard sale? Have you ever offloaded old junk on eBay? I sold probably $500 worth of old junk on eBay last year just to get it out of my barn. I watched a video the other day interviewing only fans "creators" one of the guys claimed he made $200-250/month jacking off in front of the camera. Every little bit helps. How bad you want your farm OP? |
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Quoted: THERE IS NO MORTGAGE. I DON’T OWE ANYTHING ON THE HOUSE. It is paid for. I have to pay the taxes and legal fees and then buy her half ($120,000) so that I can be free and clear. Then if I want to sell some, I can. Or sell the whole thing. I make about $3250 a month. Yeah it sucks. This is the highest paying job I have been able to find. I lost my RN license for five years and in all likelihood I won’t attempt to get it reinstated. Too expensive. My expenses aren’t huge. Car insurance, $100. Electric, $150-$200. Water $45. Phones/wifi, $120. After that, food and gas. My 18 year old daughter lives with me and makes about $350 a week. Gas, about $100 a week. I’ve finally gotten to the point where I was starting to save money. Had about $3000 in the bank but had some expenses and unexpected bills. I need to do some repairs and just don’t have the money right now. Meeting tomorrow with a guy who is a member here, others here recommended him for getting financing. I just want to get her off the legal deed to the property. I do need to get homeowners insurance and pay my property tax, and then worry about tax on my vehicle at the end of December. Quoted: Quoted: Op is being dodgy. How much do you owe in it? How much is your current mortgage? How much do you make and what are your expenses? That price seems insanely low for that kind of acreage. If you actually only make $19 an hour you need a new job. Chipotle is hiring around here for $22. You might have to sell and buy a smaller property. Sure, 20 or 40 acres isn't as big as you have now, but it is still big. THERE IS NO MORTGAGE. I DON’T OWE ANYTHING ON THE HOUSE. It is paid for. I have to pay the taxes and legal fees and then buy her half ($120,000) so that I can be free and clear. Then if I want to sell some, I can. Or sell the whole thing. I make about $3250 a month. Yeah it sucks. This is the highest paying job I have been able to find. I lost my RN license for five years and in all likelihood I won’t attempt to get it reinstated. Too expensive. My expenses aren’t huge. Car insurance, $100. Electric, $150-$200. Water $45. Phones/wifi, $120. After that, food and gas. My 18 year old daughter lives with me and makes about $350 a week. Gas, about $100 a week. I’ve finally gotten to the point where I was starting to save money. Had about $3000 in the bank but had some expenses and unexpected bills. I need to do some repairs and just don’t have the money right now. Meeting tomorrow with a guy who is a member here, others here recommended him for getting financing. I just want to get her off the legal deed to the property. I do need to get homeowners insurance and pay my property tax, and then worry about tax on my vehicle at the end of December. How expensive are we talking to get the RN license reinstated? Let’s say you do the last thing you want to do and you sell (so to speak) the property to the ex; does getting the license reinstated now become financially feasible? I know next to nothing about your situation but it seems like your future prospects would improve substantially if you were able to work as a nurse again and make better money. No, you wouldn’t have this property, but your opportunities would probably open up a good bit. Just a thought. |
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Quoted: How expensive are we talking to get the RN license reinstated? Let’s say you do the last thing you want to do and you sell the property to the ex; does getting the license reinstated now become financially feasible? I know next to nothing about your situation but it seems like your future prospects would improve substantially if you were able to work as a nurse again and make better money. No, you wouldn’t have this property, but your opportunities would probably open up a good bit. Just a thought. IIRC he had a 5-year moratorium on even considering it, but that may be close to over now. Not sure they'd even let him back in - who's gonna hire a nurse with a past liability on the record?  OP - you got any fenced acreage? I ask because I just came back in from helping the kids move the goats and pigs and feed the chickens. You can make money on pigs. You won't get rich but a dozen piggies might make a couple mortgage payments *IF* you already have *GOOD* fencing in place, or know how to run hotwire without having to spend half your day chasing pigs. Cows/sheep might be better. |
| If you only need 9k, you’ve said you could sell an M1A for 1500. Why not sell everything except a handgun and an AR for self defense. Or anything else you’ve got of value. Get caught up on taxes and such, sell the place and pocket your 120k. You said you can’t afford to get your RN reinstated. I’d almost say you can’t afford not to, you’d be making almost 3x what you make now. Which you could then use to get on your feet and get yourself another place with some land and a reset in life. |
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You have $120k in equity (after you pay the ex). You need $8500 to catch up, and you owe your ex $120K. On your income, I don’t see how you can do it, even if you had the $8500. Sell the place. I hear ads on the radio for companies that will buy almost any kind of house. Even if you take a beating and sell the place for $180K, you walk away with $50K. You can start over with that kind of money. If you need to fix the place up/clean it up, sell what you can to raise funds to get that done. Get an apartment or rent a house. Go back to school, take out student loans, work part or full time while in school and start over. You should be able to stretch that $50K enough to get a new career going. Or just relocate and get almost any real job. Factory work, building trades, dump truck drivers, you name it, all make $60-80K around here. |
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November 2027 I can apply for a reinstatement of my WV license, my lawyer said it’s a 50/50 shot at getting it back and he’ll fight for it, but it would be upwards of $10K in legal fees and then I’d need to retake the NCLEX. Kentucky (my home state), well, pretty sure I’ll never get it back. Nothing occurred in Kentucky, the incident happened when I was working in WV under the multi state compact. But the Kentucky board examiner was a huge bitch, the day I returned her call (literally the day they contacted me about the patient assault) my attorney told me to tell her ‘I’d cooperate fully, and would be happy to make a statement and answer questions with my attorney present’. She huffed and said ‘then you are revoked until the outcome of the WV nursing board hearing’. My attorney contacted her and she said they would await the outcome of the WV case. My WV hearing was in August of 22, and they offered a consent decree for a five year suspension, then a re-hearing before the board to determine reinstatement. After talking with my attorney, we agreed. They notified Kentucky and they notified me they were revoking my license permanently. My attorney referred me to a Kentucky attorney, to handle an appeal, and he said it would be between $5K-$10K in attorneys fees not counting court costs, and he said that could run another $10K. Still no guarantee, and even if I hit reinstated I might not be able to get hired by any big health care systems, probably only some smaller private practices. That’s all in the future. Right now I have to consider where my daughter and I will be living in a month. |
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Quoted: You have $120k in equity (after you pay the ex). You need $8500 to catch up, and you owe your ex $120K. On your income, I don’t see how you can do it, even if you had the $8500. Sell the place. I hear ads on the radio for companies that will buy almost any kind of house. Even if you take a beating and sell the place for $180K, you walk away with $50K. You can start over with that kind of money. If you need to fix the place up/clean it up, sell what you can to raise funds to get that done. Get an apartment or rent a house. Go back to school, take out student loans, work part or full time while in school and start over. You should be able to stretch that $50K enough to get a new career going. Or just relocate and get almost any real job. Factory work, building trades, dump truck drivers, you name it, all make $60-80K around here. If I don’t pay this tax and legal bill then I won’t have anything to sell. |
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Quoted: But he does know, and he's already stated the number in the thread, more than once. It's $120k. Certainly the ex could try to get more - she can do most anything until he gets free from her, which is sort of the point here - but my goodness you people are downers. Quoted: Quoted: He doesn't know. When the ex goes after the market value, he will learn the value when the place sells. But he does know, and he's already stated the number in the thread, more than once. It's $120k. Certainly the ex could try to get more - she can do most anything until he gets free from her, which is sort of the point here - but my goodness you people are downers. I know that. I wouldn't bet more than a coke it's accurate. |
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Quoted: Is the legal bill associated with the taxes? Otherwise the worst they can do likely is lein the property not force sale. Cut and sell firewood? Hunting lease? It’s a lein, and I’ve been saving to pay it, but I didn’t know they were gonna slap legal fees on top of it. I can scrape up $2500 but I can’t scrape up another six grand. they’re going to foreclose and sell. |
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Quoted: If I don’t pay this tax and legal bill then I won’t have anything to sell. There are plenty of investors/home buyers that will close within 30 days, if the price is right. You’ve already mentioned one gun you can sell. Own any more? Own tools? Own furniture? Own a TV? If you are that desperate start selling. Show your kids you will fight to support them and yourself. Own a vehicle? Get a tittle loan. Get online and find one of the revolving payday type loan companies managed by the American Indian Tribes and get a loan with an insanely high rate to get your $8500. Sell the house/sell your stuff and pay off the loan. From what I’ve heard they typically deposit in like a day or two. While you are doing all that find a second job until you get the house sold. There are a lot of answering service type jibs out there where you can work from home and just need a high speed internet connection. My wife works at one part time and makes $20/hour. She made $15/hr during training. Do something like that for 20 hours a week and you are $1200 to $1600 a month richer. You can get past the $8500 in debt. It will suck, you will have to sell stuff and likely take high interest loans. It will not help you get financing on the house, it will make it harder. But you can raise $8500. You can not afford to incur another $120k in debt at your current income level. That’s why you are having a hard time getting financed. Raise the $8500, sell the place, move to somewhere you can earn more money/retrain and move on with your life. It sucks, divorces are destructive. I’m sorry man, but you do t seem to have any other options. Unless someone gifts you $8500. Which you would then have to explain to your mortgage underwriter if you did get that far on financing. |
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Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can't sell it, lumber it, subdivide it or sell it. I don't think I'm in a position to 'just walk away'. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That's what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can't keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family's furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I'm in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I'm making breakfast). She fell back asleep in the crook of my arm and I'm trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it's still gonna take longer than I have. Good Lord, the property has got to be worth a lot more than what is owed. You don't need to fix anything, whomever buys it will likely tear it down and build a new house, based on what you described as the condition. If you sell you can pay off the ex, and have money left over for something else. |
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Quoted: There are plenty of investors/home buyers that will close within 30 days, if the price is right. You’ve already mentioned one gun you can sell. Own any more? Own tools? Own furniture? Own a TV? If you are that desperate start selling. Show your kids you will fight to support them and yourself. Own a vehicle? Get a tittle loan. Get online and find one of the revolving payday type loan companies managed by the American Indian Tribes and get a loan with an insanely high rate to get your $8500. Sell the house/sell your stuff and pay off the loan. From what I’ve heard they typically deposit in like a day or two. While you are doing all that find a second job until you get the house sold. There are a lot of answering service type jibs out there where you can work from home and just need a high speed internet connection. My wife works at one part time and makes $20/hour. She made $15/hr during training. Do something like that for 20 hours a week and you are $1200 to $1600 a month richer. You can get past the $8500 in debt. It will suck, you will have to sell stuff and likely take high interest loans. It will not help you get financing on the house, it will make it harder. But you can raise $8500. You can not afford to incur another $120k in debt at your current income level. That’s why you are having a hard time getting financed. Raise the $8500, sell the place, move to somewhere you can earn more money/retrain and move on with your life. It sucks, divorces are destructive. I’m sorry man, but you do t seem to have any other options. Unless someone gifts you $8500. Which you would then have to explain to your mortgage underwriter if you did get that far on financing. He doesn't want to hear something that logical that will fix his problem. |
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That big, huge chicken barn probably has a scrap value to someone. Metal, barn wood for a furniture place, etc... Or become a chicken farmer. They left all of the stuff. 160 wooded acres and you don't have at least a firewood business going on into winter? Any chance of getting a personal loan from the bank to cover the $8500? What did you do before becoming a nurse? |
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Quoted: If I lose the house/property because of unpaid taxes/legal fees, I can't sell it, lumber it, subdivide it or sell it. I don't think I'm in a position to 'just walk away'. Due to the divorce decree if I lose the house she could conceivably sue me for the $120,000 buyout. Taxes app $2300. Legal fees app $6100. That's what I have to pay to keep the property in order to decide what I want to do moving forward. If I accept that I can't keep the property and have to sell, I still have to move out, find a place to live, and dispose of an entire family's furnishings and property, then somehow fix the property up and sell it. Cant do any of those things if I lose the property. Been awake all night. When I get stressed or have anxiety attacks, I get doubted over with abdominal pain. I'm in agony, trying to de-stress. Since the fire, my youngest daughter (10) usually appears as the sun comes up and wants to be held and watch cartoons (or asks when I'm making breakfast). She fell back asleep in the crook of my arm and I'm trying think of her and my other kids and come up with a way to at least hang onto the property even if I bite the bullet and agree to sell. Even if I decide today to sell it, it's still gonna take longer than I have. Was an appraisal done for your recent mortgage application? |
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I’m trying to find a solution to the tax problem. I can’t sell or mortgage or land contract until I get that done. I hate the idea of selling but I’m at the end of my rope. If I could pay the lien I guess I’d grit my teeth and find a trailer somewhere and clear out the place and sell it. Everything people are suggesting—timbering, selling the barn for scrap, etc—is long term. I need to keep the place from being taken then I can figure out how to turn the property into income if some sort. |
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Quoted: I’m trying to find a solution to the tax problem. I can’t sell or mortgage or land contract until I get that done. I hate the idea of selling but I’m at the end of my rope. If I could pay the lien I guess I’d grit my teeth and find a trailer somewhere and clear out the place and sell it. Everything people are suggesting—timbering, selling the barn for scrap, etc—is long term. I need to keep the place from being taken then I can figure out how to turn the property into income if some sort. Can you sell it if you must? If you did, how much could you realistically get? 160 acres alone should be 2k per acre on the low end |
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I don’t want to run afoul of any forum rules. Are there any members in East Kentucky who could help me sell or raffle some long guns? I’m unsure of forum rules or what would need to be done to sell or transfer them legally. I need to pay this debt before I can think about solving the sale land/mortgage/buyout whatever. Everyone says I need to do something, well, maybe this is the quickest way to raise money. I have to sell firearms but I don’t have anything else I can liquidate to raise money. |
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Sounds like you need to be talking to a bankruptcy attorney. You bought this house when you financial situation was much different and the math just doesn't work now. Might be a good way to get out from under this debt and any others you owe. Your wife's interest could be taken care of out of the bankruptcy proceeds, assuming the house is sold in the process. If you can't be an RN, can you at least get a CNA or EMT certificate? $19/hour isn't going to cut it. |
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Quoted: I don’t want to run afoul of any forum rules. Are there any members in East Kentucky who could help me sell or raffle some long guns? I’m unsure of forum rules or what would need to be done to sell or transfer them legally. I need to pay this debt before I can think about solving the sale land/mortgage/buyout whatever. Everyone says I need to do something, well, maybe this is the quickest way to raise money. I have to sell firearms but I don’t have anything else I can liquidate to raise money. I've always had decent luck doing consignment with my local guys. Do you have a shop you mainly deal with? |
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Quoted: I don’t want to run afoul of any forum rules. Are there any members in East Kentucky who could help me sell or raffle some long guns? I’m unsure of forum rules or what would need to be done to sell or transfer them legally. I need to pay this debt before I can think about solving the sale land/mortgage/buyout whatever. Everyone says I need to do something, well, maybe this is the quickest way to raise money. I have to sell firearms but I don’t have anything else I can liquidate to raise money. Can you take pictures of the chicken building? Some pieces of it might be worth something My aunt had a really old barn torn down and sold tons of legit 2x4 and random wood. She made like 30k selling the remains and old "junk" in it |
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Quoted: There’s a member here who’s a mortgage broker who’s helping me. But I’m talking literally money to pay taxes and insurance just to get the loan. I’m talking money to pay for repairs just to get approval for insurance. Looking at not being able to pay for electric and furnace fuel for the winter. He turned me on to one of his colleagues in my state and they did wonders for me in a very similar situation. Hang in there, OP. It will work out. |
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I was in your same situation. Grieving over to trying to keep a house I had paid every penny on. And then having to see to give the ex her half. Don’t fight it. Sell it and move on. Build new memories with a fresh start. Don’t make crazy life decisions while you are in the corner. This will pass. Your best is yet to come. I told my sister how much better I felt. She says of course you do. You just lost a 250 pound tumor |
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Quoted: Can you sell it if you must? If you did, how much could you realistically get? 160 acres alone should be 2k per acre on the low end Quoted: Quoted: I'm trying to find a solution to the tax problem. I can't sell or mortgage or land contract until I get that done. I hate the idea of selling but I'm at the end of my rope. If I could pay the lien I guess I'd grit my teeth and find a trailer somewhere and clear out the place and sell it. Everything people are suggesting timbering, selling the barn for scrap, etc is long term. I need to keep the place from being taken then I can figure out how to turn the property into income if some sort. Can you sell it if you must? If you did, how much could you realistically get? 160 acres alone should be 2k per acre on the low end Clearing $200k at a giveaway price, to $400k at a likely price, for fresh debt free start just doesn't make sense. |
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Quoted: Sounds like you need to be talking to a bankruptcy attorney. You bought this house when you financial situation was much different and the math just doesn't work now. Might be a good way to get out from under this debt and any others you owe. Your wife's interest could be taken care of out of the bankruptcy proceeds, assuming the house is sold in the process. If you can't be an RN, can you at least get a CNA or EMT certificate? $19/hour isn't going to cut it. I don’t want even think about bankruptcy for an $8600 bill when we have a property that could conceivably be sold for $250-$350K. I owe $8.6K, not a million dollars. Can’t work with patients. I had a phlebotomy and a certified nursing assistants license, can’t use those. They pay less than I’m making now. He’ll, LPN’s only make $19 around here. I worked in a factory for seven years making $13/hour and the guy who worked my job day shift had been there since 1967, and he made $1.50/hour more than me. Unless you’re union around here, pay is crap. A guy I work with now is trying to get in at a foundry, pay is double what I make but I’m unqualified. A nursing degree is useless unless you can use it to be a nurse. I applied for dozens of medical field admin or lab jobs, they won’t even talk to someone who doesn’t have a bachelors and a dozen years experience. I can’t code or do anything in the medical field that involves Medicaid, Medicare, VA or social security. I’ve fucked up, should have let that metal patient beat the ever living shit out of me or killed me, at least people would think I was a decent human being. |
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Also - if you have guns you want to sell in Kentucky, try here: https://www.gunownersclub.com/ |