Should I just give up?

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Should I just give up?

Postby s.jessica » Tue Jul 23, 2013 3:26 pm

I have to keep wondering, at this point should I just give up? My mom keeps telling me I'm way to stubborn and when things aren't working I need to learn to give up sooner.

Things were going okay until everything went South for my apartment manager - he fell way behind on all of his payments and the bank took over the property. The other week a lady came around knocking on doors, this was on a Tuesday and was giving everyone a notice they had to be out of the building by Friday. Apparently the manager was supposed to inform us of this but denied any knowledge of anything and the building was supposed to be empty the week before. They brought a rent-to-own place in to take the refrigerator that came with the apartment and I was told I had 1/2 to get it empty and they were taking it. Next thing I know this lady came right in without even knocking and had the police with her to check the serial numbers on my television, stereo, etc to make sure it wasn't the property of the building. The rent to own place was missing a television so they said they had the god given right to search all the apartments for it.

I was told I would need to get my deposit of $950 and the rent I just paid refunded by the manager I paid it to, but nobody knows where he went. A truck came, loaded up his stuff and took it away, but he was noplace to be found.

I am now stuck staying in a very expensive motel. They give me a discount paying by the week but it's more than 3X what I paid for the apartment. Since there's a major event going on in town right now, they said I'm just lucky to get a room. I found another apartment, but they want another deposit, this one wants $1,500 to move in, but rent is $325/mo. first month free. I'm paying $295 per week to stay here which is almost my whole paycheck. I checked with several banks and I don't think there's any way possible to borrow the $1,500. The only thing unsecured I've been approved for is a Cap1 card with a $500 CL. I was just denied a Walmart card. Shopping for loans and apartments has pushed me up to 16 inquires.

I'm required to live locally in order to keep my job. My mom lives 50 miles from here and the only option seems to be to quit my job and move back to my mom's place. There's just nobody who is going to loan me that kind of money and my own banker sat there preaching about how much money $1,000 was. He said they would need the title to my vehicle worth at least $6,000 and a co-signer. My mom can't co-sign because she's on Medicaid and there's nobody else I can ask.

Does anyone know of any other options I have to try to get the $1,500 or should I just listen to my mom, quit my job and move back to her place? These are very nice efficiency 1 bedroom apartments newly remodelled for $325/mo. I could easily pay the loan back if I could move into one, but right now I'm spending 95% of my income on this motel and needing to ask for money just so I can eat.

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Postby Midori » Tue Jul 23, 2013 4:14 pm

Have you tried a mom-and-pop place that has a smaller SD, or doesn't charge first-and-last month's rent?
Have you tried renting just a room?
Have you tried answering a roommate-wanted advertisement?
Is your job worth keeping?
Would you be able to find a job in your mom's town?
I don't know about LL/tenant law in Iowa, but that definitely wouldn't fly in TX. Don't lose your copy of your lease in all the shuffle, if you decide to pursue remedies in the future.

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Postby CCG » Tue Jul 23, 2013 4:22 pm

I'm really sorry to hear this.
He said they would need the title to my vehicle worth at least $6,000 and a co-signer. My mom can't co-sign because she's on Medicaid and there's nobody else I can ask.
If your car is worth $6,000 and it's paid off, then I would think you would be able to get a pink slip loan on it without a cosigner, regardless of your credit history. Because the collateral is your car. But I have no clue what the rates are on those. It might not be the best idea to go that route.

Have you tried answering a roommate-wanted advertisement?
If you can find a place at least temporarily that's cheap, then you could transition to this $325/month apt or similar in a couple months while you save up money.

My mom keeps telling me I'm way to stubborn and when things aren't working I need to learn to give up sooner.
If your goal is to live where you are, I wouldn't throw in the towel. But if you are interested/open to moving back home then there's nothing wrong with that.

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Postby DoingHomework » Tue Jul 23, 2013 6:31 pm

Yeah, the apartment manager was not just falling behind. He was scamming you and the building owners by not paying them the money you gave him for rent. You are the victim of a crime.

As for what to might need to contact a charity like the salvation army that helps homeless people. They might have a program to help you stay someplace for nearly free for a month and a half while you save up for the deposit.

Also, a $1500 deposit on a $325 place would be illegal in most states. If it is legal in Iowa that is unfortunate. In most states a deposit plus all advance rent collected can be no more than 1.5 months rent.

Is there any way you can sell stuff on Craigslist or something to get the $1500?

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Postby credit_card_fonz » Wed Jul 24, 2013 10:46 am

First, you can't stay where you are, it's too expensive for what you earn. I would check on the deposit for that apartment again, there could have been an error or misunderstanding, likely they quoted you a deposit from a more expensive apartment.

Next I would get a lawyer and sue the crap out of this guy! You won't be able to locate him yourself but a lawyer can. Since what he was doing wasn't legal, there's a good chance he's in jail and/or facing criminal charges in which case he would be easy to locate. My guess is the criminal court would be more likely to cut a deal with him if he pays back everyone he took money from, so he'll give you back everything he owes you.

Don't be afraid to get your parents involved, young people especially when they turn 18 think they can do everything on their own, but the big world out there is waiting to take advantage of them. When I was in my early 20's I thought I could rent an apartment on my own and ended up in a dump the owners wouldn't fix. My parents showed up, the owners ripped up my lease and my parents got me into a nice place for not too much money. When I got back from work I found out they did in a day what I couldn't do in months. They even got me a good deal on renter's insurance, got my phone hooked up, got my cable hooked up - they had me all moved in and ready to go and I didn't have to do anything.

When I tried to purchase insurance later myself, I totally got ripped off - so yeah, just let your parents take over and do it for you, it's the best way!

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Postby Midori » Wed Jul 24, 2013 10:10 pm

One of the things you need to find out is whether or not (in your state) a sale of the property voids your preexisting lease in case of foreclosure.

You may not have been given proper notice to vacate your property. The current owners (the bank?) may have performed an illegal eviction. You'll need to consult an attorney, but don't be so focused on your disappearing manager that you forget about the people who now control the property. But of course, the first thing to do is get your expenditures under control so you can regroup.

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Postby Victorleo » Thu Jul 25, 2013 10:14 am

Forgive for sounding rude but why is it difficult to drive 50 miles to work while living with your mom?

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Postby mdl28 » Thu Jul 25, 2013 11:43 am

What are your monthly expenses vs your total income? Include all expenses.

I can give you more help after I know this.

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Postby MemberSince99 » Thu Jul 25, 2013 12:27 pm

Hang in there s.jessica. You won't be homeless and that's very fortunate in what this country is today.

I think it really depends. If you can use the car to get the money to bail yourself out, great. Otherwise maybe you could commute assuming the job pays enough that it's worth it.

Last but not least, there were a lot of violations here. I'm sorry but they simply do not have the right even in the police state the US is today to just barge into your apartment unannounced unless it's an emergency. They sure do not have the right to search your place and your belongings the way they did. The Constitution guarantees that. I would find out who did that, and see an attorney. And while I was at it, I'd also be looking to sue your former manager as he's a scumbag weasel, leaving like that and lying and scheming. If you can find him you should be able to sue him.

You should for sure pursue legal action against these people. I honestly can't believe they had the right to do what they did. From what I've read, tenants in many places have more rights than owners. You might be surprised what you can get out of this in the long run though it's a major drag right now.

Regardless hang in there!

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Postby Sevenfeet » Sun Jul 28, 2013 10:27 am

Victorleo wrote:Forgive for sounding rude but why is it difficult to drive 50 miles to work while living with your mom?

That's easy...when you're low income, a 50 mile hike is more than an inconvenience. It's a major gas bill. That being said, it's still a short term option while you get back on your feet.
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