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Old 12-05-08, 09:32 AM   #1
Marrock
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Getting evicted and I'm looking for help and advice.

Siu Blue Wind suggested I put this before you lot here.

My girlfriend and I are facing imminent eviction from our apartment due to owning back rent.

She was laid off back in september and only recently found a part time job that's just barely helping cover current expenses.

I've been looking for work for quite some time now and so far haven't had much luck finding anything, this area is terrible for jobs but I have a couple good leads that should bear some fruit.

As the situation stands now, we can cover future rent but can't make up the back rent, we had planned on finding another place in february since her daughter went to college and we don't need the second bedroom any more.

Unfortunately this all hit us at the worst possible time and we're looking at having to live in our minivan for the foreseeable future, not the ideal way to spend a NJ winter.

We've found a smaller place that we can easily afford the rent for but we can't make the deposit needed to get into it.

We've tried every state and county agency we could find and we don't qualify for a blasted thing, not even food stamps.

So I guess Iím looking for suggestions on what I should do because the only thing I can hope for at this point is finding someone thatíd loan us the money and be willing to accept monthly payments in return, otherwise, Iíve got nothing.

Iím sure a lot of you have some idea how much it hurts to have to beg but thatís just what Iím reduced to here, I have no other options if I donít want to wind up homeless.

I just donít know what to do anymore.
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Old 12-05-08, 09:41 AM   #2
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That's a really tough situation Marrock. I hope you are able to work things out, and find that job you need quickly.

I would contact agencies again to find out what the laws are concerning your situation. Also might be worthwhile checking with private agencies and local churches. They may know of something the people you've spoken with didn't know, or didn't think to mention.
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Old 12-05-08, 09:43 AM   #3
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I wish it was working as it had been for the past three months:

www.chacha.com, i was making $600 a month through this but there has been a very abrupt stoppage to income from this (we are not really getting any questions) and last i knew they weren't accepting new hires. That said, it's worth a look.
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Old 12-05-08, 09:49 AM   #4
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what a bummer... sorry you are in that situation. I did have a question though... you say you can afford future rent but not the back rent; have you talked to your landlord about making payments on the backrent? Being a property manager in California, many of my owners would rather work with good tenants having hard luck than evict them only to have a vacant unit that they would be trying to fill at the worst time of the year.

I'm thinking you probably have some sort of deposit where you are now? If so, there is a limit to how long the landlord can take to return it to you (so you can use it to get into another place) or perhaps (depending on the law where you live) you can use some portion to help you catch up where you are and make arrangements to replace that money within a certain period of time.

If you find that you are able to stay where you are somehow, I'd see about getting a roomate at least temporarily to help you stay caught up since you've got that extra 2nd bedroom now....

Good luck!!!
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Old 12-05-08, 09:52 AM   #5
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If you are willing to declare bankruptcy, that could help.
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Old 12-05-08, 10:02 AM   #6
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what a bummer... sorry you are in that situation. I did have a question though... you say you can afford future rent but not the back rent; have you talked to your landlord about making payments on the backrent? Being a property manager in California, many of my owners would rather work with good tenants having hard luck than evict them only to have a vacant unit that they would be trying to fill at the worst time of the year.

I'm thinking you probably have some sort of deposit where you are now? If so, there is a limit to how long the landlord can take to return it to you (so you can use it to get into another place) or perhaps (depending on the law where you live) you can use some portion to help you catch up where you are and make arrangements to replace that money within a certain period of time.

If you find that you are able to stay where you are somehow, I'd see about getting a roomate at least temporarily to help you stay caught up since you've got that extra 2nd bedroom now....

Good luck!!!
The landlord's wife has wanted to get rid of us pretty much since we moved in, just a thousand little things that give you clues like folks in the other two apartments can have pets but we can't, every little thing is cause for a flurry of angry letters, like the fact that pigeons made a nest on the fire escape was somehow our fault.

They don't want to help us unless it's out the door.

They're not cutting us any slack and as far as they're concerned, the deposit is already theirs... if it wasn't for the fact that I like the other tenants I'd leave the place in flames.

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If you are willing to declare bankruptcy, that could help.
My girlfriend had to do that once already with her ex-husband and refuses to see that as an option, it wont help anyway except to make it harder to find a place since they a lot of them run credit checks.
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Old 12-05-08, 10:13 AM   #7
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www.magnumcashadvance.com

The rates are high, but if you need it as a one time option, its worth a look to get the deposit money, etc.
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Old 12-05-08, 10:18 AM   #8
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Is there a Catholic Charities in your area, or something similar? They seem like a pretty good bunch. In fact, I would highly recommend going to them. You don't have to be Catholic, but your situation is exactly the type that they try to help.

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Old 12-05-08, 10:23 AM   #9
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If you have any church affiliation whatsoever, even if it's a church you go to at Christmas and Easter, talk to the pastor; our church has a certain amount of discretionary funding to help situations like this; we helped a member keep her home after her husband died unexpectedly.

Even if you're not a church-going person, contact all the churches in the area. It can't hurt.
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Old 12-05-08, 10:23 AM   #10
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Apologies if this info is of little to no help, but...
Have you looked into what other stats may offer for assistance? Some give more than others, and if you don't have a whole lot to leave behind occupationally, a change may be good. (Make sure you look into how long it takes before you are a resident of the new state, and can take advantage of what they have to offer).

I'm sorry to hear about your misfortune.
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Old 12-05-08, 10:31 AM   #11
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www.magnumcashadvance.com

The rates are high, but if you need it as a one time option, its worth a look to get the deposit money, etc.
Already looked them up, don't qualify, she hasn't been at her job for six months and doesn't have direct deposit for her pay checks since she's still considered temporary.

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Is there a Catholic Charities in your area, or something similar? They seem like a pretty good bunch. In fact, I would highly recommend going to them. You don't have to be Catholic, but your situation is exactly the type that they try to help.
I'll be giving them a call in a few minutes, got nothing else to do at the moment.
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Old 12-05-08, 10:32 AM   #12
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Foosters are awesome!! Thanks for all of your wonderful suggestions. I knew that you all would have some great ideas and words of support. Keep 'em coming!
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Old 12-05-08, 10:38 AM   #13
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If you have any church affiliation whatsoever, even if it's a church you go to at Christmas and Easter, talk to the pastor; our church has a certain amount of discretionary funding to help situations like this; we helped a member keep her home after her husband died unexpectedly.

Even if you're not a church-going person, contact all the churches in the area. It can't hurt.
Tried, they can't help their regular parishioners, much less some random stranger from down the street.

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Apologies if this info is of little to no help, but...
Have you looked into what other stats may offer for assistance? Some give more than others, and if you don't have a whole lot to leave behind occupationally, a change may be good. (Make sure you look into how long it takes before you are a resident of the new state, and can take advantage of what they have to offer).

I'm sorry to hear about your misfortune.
We've looked into it but we'd still be running into the same issues, besides, my clapped out little van wouldn't be able to make anything like a cross country haul.

Don't get me wrong, I do appreciate everyone's suggestions even if my tone doesn't convey it.

I'm just so damn tired and frustrated with everything, in the past week I think I've slept about six hours total, if it wasn't for firefox's built in spell check I'd look like a dribbling idiot in these posts.
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Old 12-05-08, 10:42 AM   #14
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Nother idea:
Have you contacted local homeless shelters? Many are probably private agencies, untapped resources.

They more than likely have crisis counselors who could have some tricks up their sleeve, (not knowing where you are at in NJ, here's a start).

At the very least, if worse comes to worse you might have a place lined up.
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Old 12-05-08, 10:42 AM   #15
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Firstly: I'm sorry to hear about your situation.
Secondly: did you call city hall and ask for the social worker? They usually know everyplace to look for help, and should be able to give you a list of places to go to for help. Every group I know that provides help of any sort out here is arguing about how to help more people with less money coming in, and most of these groups are very good at getting the most out of what they've got to work with.
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Old 12-05-08, 10:55 AM   #16
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Marrock, i'm sorry to hear about the troubles you are going through.

i don't know what you need financially, but i'm willing to spare a little bit to help you out. it wouldn't be a lot, but maybe if other Foosters stepped up as well, you'd get enough to help somewhat. not charity either...just a willingness to help a friend in need.

maybe something could be set up, like we were going to do for c0urt....

just another thought/idea....
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Old 12-05-08, 11:05 AM   #17
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If getting somewhere to stay for a few weeks will help, i might be willing to open my apartment up to you both. Kinda a pay it forward thing for me.

That is, if the Clinton Road in your location is the same one i am thinking about, in good old Waste Milford.
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Old 12-05-08, 11:13 AM   #18
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I had a stray thought here. There are a lot of foreclosed properties now, and HUD has programs where it takes almost nothing to get into a house of your own. It's highly unlikely that it would be your dream house, or even in a neighborhood you really like, but take a look. Also, if there's any family that might be able to help you out - even if it's a loan, it might be enough to keep you off the street.

HUD homes in NJ
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Old 12-05-08, 11:20 AM   #19
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Through scouts I worked to help a church based program that would help people that had their luck run out get back on their feet. They would supply temporary housing, food, and have people set up plans to put a viable lifetsyle strategy in action. It wasn't a homeless shelter, but more of help for people in emergencies just like yours.

There is help out there, and here's to hoping you find some of the best that's available.

Also, try and rest. It gets REAL hard to make good decisions when you are sleep deprived. Remember, times are tough and you're not the only one. All you can do is move forward by making the best choices you can find.
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Old 12-05-08, 11:22 AM   #20
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If getting somewhere to stay for a few weeks will help, i might be willing to open my apartment up to you both. Kinda a pay it forward thing for me.

That is, if the Clinton Road in your location is the same one i am thinking about, in good old Waste Milford.
Actually, I grew up on Cross Rd. about a minute and a half by bike away from Clinton, now I'm in Riverdale...

It's not the end of the world but I can see it from here.

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I had a stray thought here. There are a lot of foreclosed properties now, and HUD has programs where it takes almost nothing to get into a house of your own. It's highly unlikely that it would be your dream house, or even in a neighborhood you really like, but take a look. Also, if there's any family that might be able to help you out - even if it's a loan, it might be enough to keep you off the street.

HUD homes in NJ
We'd love to have our own place like that, but right now the whole credit mess wont allow it to happen.

And I think someone giving us a loan is really the only thing that'll work, provided they'd accept monthly payments without a whole lot of interest.
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Old 12-05-08, 11:25 AM   #21
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Actually, I grew up on Cross Rd. about a minute and a half by bike away from Clinton, now I'm in Riverdale...

It's not the end of the world but I can see it from here.
Well, i have an apartment in Riverdale, on Newark Pompton Tpke. I just threw out the WM reference to make sure you are in the same area. My offer is open, if it will help you out, for a month or so.
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Old 12-05-08, 11:28 AM   #22
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...We'd love to have our own place like that, but right now the whole credit mess wont allow it to happen...
I didn't poke through these too closely, but I've seen some in Harrisburg, PA that were being sold for less than $10,000. The monthly on that on a 30 year is crazy low. Take a look at least, you might be pleasantly surprised.
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Old 12-05-08, 12:08 PM   #23
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Well, i have an apartment in Riverdale, on Newark Pompton Tpke. I just threw out the WM reference to make sure you are in the same area. My offer is open, if it will help you out, for a month or so.
Ok, that's odd, so do I...

I appreciate the offer but it's not wholly my decision to make, I have the gf to consider and get her input.

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I didn't poke through these too closely, but I've seen some in Harrisburg, PA that were being sold for less than $10,000. The monthly on that on a 30 year is crazy low. Take a look at least, you might be pleasantly surprised.
Yeah, but we both have thoroughly trashed credit, the chance we could get anything like a mortgage or loan from a bank is next to none.
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Old 12-05-08, 12:10 PM   #24
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I don't know what religion you are but check with your local Unitarian Universalist church. They may be able to help if they can.
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Old 12-05-08, 12:26 PM   #25
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Yeah, but we both have thoroughly trashed credit, the chance we could get anything like a mortgage or loan from a bank is next to none.
well, you have nothing to lose...all they can tell you is no. worht a try.
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