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Thread: I need help PLEASE

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    God/dess CKXXX's Avatar
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    Default I need help PLEASE

    I didnt want to put this in dollar den since I wasnt sure how many would see it there.

    If you know anything about foreclosure laws in FL I need help desperately. I have been served today. I owe mtg since March 1st and have exactly $100 to my name at the moment.

    My mortgage w/taxes and ins. is @ $2000/month.

    Between the crap economy and not being able to work as much having been diagnosed with cervical per-cancerous cells that may very well have turned to cervical cancer by now since I cant afford the treatment to time off work my income has dropped to below survival rates.

    I have traveled across the country trying to make $$ and have had no success.

    A "real" job wont help me at this point since I will not be able to get anything over minimum wage and I need upwards of $10K to make a difference.I have considered it and am looking if for no other reason to make it look good in court if it came to that,which I guess it has.

    I fired my agent since he wasnt doing a DAMN thing(and is now popping up on industry blacklist because of it) and am attempting to self book. I have several shoots coming up but nowhere near the $$ I need. I am trying to book as many shoots in LA as I can ASAP..I will do 5 shoots a day until my body falls apart if I have to,but I have to wait until the producers/studios get back to me.

    I have seriously considered risking jail by escorting to make it.

    I am almost 35 years old and am terrified of losing everything I have worked my whole life for.

    I have nothing worth selling that would make this kind of money.

    I spoke to a rep. about a month ago who said they were going over my finances( i had to answer a million questions to ascertain my situation) and that I would hear back in 30-60 days. And to not send the mtg company any money in the meantime even if I had it because it wouldnt help.
    But that it was now on record that I was trying to work something out.

    She said that if we were sent forclosure notice it would take about 6 months to go through.

    Would declaring bankruptcy save my home at this point??

    I will do ANYTHING. I am desperate.

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

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    Veteran Member MissDewdrop's Avatar
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    Default Re: I need help PLEASE

    I don't know anything about foreclosure, but there's a mortgage section at http://www.creditboards.com with very knowledgeable people.

  3. #3
    Peanut_Butter
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    Default Re: I need help PLEASE

    sorry, can't help with the mortgage either but the precanceous cells I do know about.

    There is a fund called the Cervical And Breast Cancer fund. They will pay 100% of yoru surgery and after care, including pap follow ups fo a year.
    I know this because I was a benificary of it. Planned parenthood set it all up, i did nothign but make it to my appointments and surgery.
    SO call PP and get the process started or ask questions.


    Maybe you can move out and rent the house, get a cheap apartment. Use the rent you charge to pay the mortgage for a year, until you are back on your feet and can move back in and afford the mortgage.

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    God/dess Corgan's Avatar
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    Default Re: I need help PLEASE

    if you are serious about escorting, do it. you already do porn, so it seems that you're in the right mindset for it. i would, if i were in your position.

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    Default Re: I need help PLEASE

    I am really sorry to read this I don't have anything to offer but my prayers and best wishes to you.

    Can you get a roommate to help with bills? Family help? Rent the house and live in a really really cheap apt for awhile - or maybe even an inexpensive CL trailer that you could park in the driveway and hook up to the house?

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    Default Re: I need help PLEASE

    If you're going to escort, maybe go to Nevada so it's legal? Or put up one of those porn star escort pages and travel to the money? South Fl seems like it wouldn't be great money.

    I agree with the renting and moving idea as well. Praying for you.

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    God/dess Corgan's Avatar
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    Default Re: I need help PLEASE

    where did you travel??

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    Veteran Member Casey4Now's Avatar
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    Default Re: I need help PLEASE

    Don't know about FL. law, however I am a litigation paralegal for MI and do all foreclosures. If you have been served already, which means you need to answer the complint 21 -28 days depending on how you were served. You have21 days if in person, 28 days by certified mail. If you do not file an aswer they will enter a default against you and the proceedings will continue. They can technally sell your property after 30 days (certain circimstances). But, most likely 6 months as your friend mentioned.

    After the sheriff sale there is a 6 month redemption period in which you can redeem for the amount owed plus per deim of interest a day....

    Bankruptcy will help you as it will produce an automatic stay and cease all collections on your part. Depends on chapter 13 or 7 and other circumstaces to actually save your house...

    Either way you should have 6 months after the sale to redeem, unless you abandon then they will outright try to sell the property...if you are interested in hearing more(as this is MI law) I will be glad to tell you..

    Sorry to hear of your situation..I hate my day job

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    God/dess CKXXX's Avatar
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    Default Re: I need help PLEASE

    ^^the papers say I have to answer IN WRITING ..phone wont help...in 20 days

    what can I say that will help my case any?

    and a friend didnt tell me that..a rep fpr the mtg company did. They also said that my mtg company is THE most lenient as far as not wanting to forclose and helping you...which no3w seems like crap


    ...sorry of this is bad wriying...wine seemed kike a good idea whenmy life is going to shit

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

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    Default Re: I need help PLEASE

    I am so sorry to hear this CK

    I would contact a BK lawyer NOW if anything to just get some advice. R and I were foreclosed on as well, but between all the "waiting" and filing BK halfway through, we were able to stay in the house a whole year extra (not paying mortgage, we couldn't as it was $3,000/month). I cannot stress enough to contact a lawyer.

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    God/dess CKXXX's Avatar
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    Default Re: I need help PLEASE

    Quote Originally Posted by RoseLeigh View Post
    If you're going to escort, maybe go to Nevada so it's legal? Or put up one of those porn star escort pages and travel to the money? South Fl seems like it wouldn't be great money.

    I agree with the renting and moving idea as well. Praying for you.
    thanks...I cant even affors a plane tickwr to NV right now

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

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    Featured Member Sinder's Avatar
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    Default Re: I need help PLEASE

    Oh hon that is terrible! I wish I knew what to tell you....I wish I could help you! Awww, this just sucks. I have heard alot about the MI economy and the foreclosures and bankruptsies. Maybe filing for bankruptsy will help?

  13. #13
    Yekhefah
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    Default Re: I need help PLEASE

    OMG, I am so very sorry. I have tears in my eyes reading this and I wish I had anything to help you. Unfortunately we took a couple of hits ourselves and we're eating peanut butter sandwiches for the rest of the week. I'll wrack my brain and see what crazy scheme I can come up with... would it be possible for you to sell your car and just rely on public transport for awhile? Or maybe hubby could use public transport since he works a regular day job anyway?

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    God/dess CKXXX's Avatar
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    Default Re: I need help PLEASE

    Quote Originally Posted by Yekhefah View Post
    OMG, I am so very sorry. I have tears in my eyes reading this and I wish I had anything to help you. Unfortunately we took a couple of hits ourselves and we're eating peanut butter sandwiches for the rest of the week. I'll wrack my brain and see what crazy scheme I can come up with... would it be possible for you to sell your car and just rely on public transport for awhile? Or maybe hubby could use public transport since he works a regular day job anyway?
    I cant sell mine cause ita a ;ease...hubby needs his for work. Ugh. Canwe jusv sell our house and live with you??

    Just kidding..but not really..I LOVE TOU GUYS!!! ANd I'm reallyu drunk if tou coudlnt tell

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

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    God/dess LuckyOne's Avatar
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    Default Re: I need help PLEASE

    I am SO SORRY to hear this. I think you should let the home go back to the bank. You can still live there for several months until the bank forecloses and save up some cash to move somewhere else. I don't think the market is going to come back in Florida soon enough to make it worthwhile- if we were in a healthy real estate market you could just refinance your home but I REALLY think the best thing to do is just cut your losses.

    You are NOT losing everything you've ever worked for- if the house is worth less than you owe, you're just throwing good money after bad. You are better off to just let the house go. Its ok- it will take 2-4 years to fix your credit- ESPECIALLY since you have medical bills. Take care of your health first!!! (You could get a loan for another house in as little as 1 year if you're defaulting because of excessive medical bills.) You need to see a credit counselor. <Big hug> And honey, trust me on this- you're going to be ok! Everything is going to be fine.

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    Yekhefah
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    Default Re: I need help PLEASE

    You would always be welcome with us; unfortunately it would cost just as much to move up here.

    Why does he need his car for work? He works a day job, seems it would be better to hitch a ride or take the bus than be homeless. I know he's a car guy but any port in a storm, right?

    Could you break the lease on yours?

    Did you ever contact that crazy lady we were watching?

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    God/dess CKXXX's Avatar
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    Default Re: I need help PLEASE

    Quote Originally Posted by Yekhefah View Post
    You would always be welcome with us; unfortunately it would cost just as much to move up here.

    Why does he need his car for work? He works a day job, seems it would be better to hitch a ride or take the bus than be homeless. I know he's a car guy but any port in a storm, right?

    Could you break the lease on yours?

    Did you ever contact that crazy lady we were watching?
    crazy lady> reresh mydrunbken memory..

    He NEEDS his car..he workd far froim home and theres no public transport.

    Dont knwo what I can do wqith mine..and if I di get a well pay ing shoot(like I did this weekend in sarasota) what would I do?)

    ahhhh..I want t move to portland and fuck ou every night after eating tofu. Is that so qrongggggggggggggggggggggg???

    Quote Originally Posted by lexilou View Post
    "I'll picklepunch you in your twatwaffle!"

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    Veteran Member LadyLuck's Avatar
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    Default Re: I need help PLEASE

    4 words for you. Credit card and Bunny Ranch.

    Don't risk jail if you are going to hook. Do it legal and safe. Charge it and fly Southwest Air, they are super cheap.
    There never was a good war or a bad peace.

    Benjamin Franklin

  19. #19
    madmaxine
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    Default Re: I need help PLEASE

    Quote Originally Posted by LadyLuck View Post
    4 words for you. Credit card and Bunny Ranch.

    Don't risk jail if you are going to hook. Do it legal and safe. Charge it and fly Southwest Air, they are super cheap.
    Yes, the LPIN brothels do a special promotion for adult film stars.

    I recommend getting rid of the house and moving to the West Coast. Many cities in WA state, Oregon and even craaazy California have special programs for people with substantial medical issues/bills.

    I'll PM some more info later. Do not be upset. This is a blessing in disguise.

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    Featured Member london's Avatar
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    Default Re: I need help PLEASE

    You may even be able to get one of the NV ranches to pay for your flight, maybe having to reimburse them at the end, but maybe not, since you have made a 'name' for yourself! Barring that, try escorting in Canada where it's legal and you don;t have to work from a ranch/trailer.
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    Default Re: I need help PLEASE

    my heart goes out to you and i do hope you can find a viable solution in the allotted time.. this has got to be the most terrible thing. i'm so sorry.

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    Default Re: I need help PLEASE

    though the laws are different, my best friend just declared bankruptcy and she'll be in court again tomorrow morning finding out if she can keep her truck. she doesnt actually struggle to pay her bills, its more so she wouldnt losee verything because an ex did a lot of shady things in her name.

    i can ask her tomorrow any questions you might have about filing bankruptcy and if she knows anything about keeping your house in that case. she lives with her bf and the house isnt in her name so she may not know.. but since she has to go to court to get an ok from the judge to keep her truck (she's saying her bf is making the payments) i would assume that filing wouldn't help you keep your house

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    God/dess Lysondra's Avatar
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    Default Re: I need help PLEASE

    Can you get the Bunny Ranch to fly you out on a contract agreement to pay your debt with them while getting money for your home? Like they get 50% of your profit until they're paid back and then you work you vagina off?


    Look like a woman
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    Act like a lady
    Work like a dog

    - My Great Grandmother Bessie's Recipe for Success

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    Default Re: I need help PLEASE

    Usually the MLBR (talk to suzette) doesn't do reimbursement although they MIGHT with porn stars. Depends on the porn star. But none the less you HAVE to get a license. So you'll need cash for that.

    Which is why they might be reluctant to put money up front for someone Dennis has never met, and has no idea if she can get her license.

    It doesn't hurt to ask. If you've been arrested in the last few years or ever had a felony you cannot work in a brothel. Also the obvious health clearance.

    I can't recall what the initial cost was total, they can tell you over the phone.

    You'll need to fly into the reno tahoe airport. One of their drivers will pick up. They have awesome drivers btw. They'll take you to the walk in clinic in Washoe County. It is 95 dollars for your round (HIV, Syphillis and VD test) takes about 5 minutes at best.

    I think my license was ..110? I don't recall at all. They finger print you, take your photo and you get literally a license. In which the house holds onto and you will never see again.

    Then you go to the house and wait 24 hours to clear. Once you've cleared you go onto the floor. Any condoms, paper towels (the stuff they require you to have) you pay back to them. Once you've cleared they expect that you'll at least make the 30 bucks to pay them back. If you want to save yourself money.

    1. Bring 3 pornos with you in them. The rule is you MUST have porn and it must be on while you are doing a tour.

    2. Bring hand wash

    3. paper towels

    4. Bring 3 kinds of condoms, flavored ones for blow jobs, magnum and the small condoms

    5. Bring comforts of home..a pillow your blankets, a cd player..deco and a trunk of sex toys and ANYTHING featuring you on it to do your room up. It's your little apartment while you are there. The more homey it feels the longer you'll want to stay.

    6. Buy a box of medical latex gloves. You have to wear these while preforming a dick check on guys, giving hand jobs or fingering assholes. Hate to be blunt but that's the truth. Condoms for EVERYTHING.

    Just book a one way ticket so you can leave when you need to. Tell them you are wanting to do a 2 week tour. You'll make friends quickly but be aware that girls are twice as catty in a brothel as they are in a SC. You have girls that are lifers there. But you'll also find that the vets will take to you and I promise you'll bank.

    Honestly if I were in your shoes cam, work a few nights and fly out asap! I have a feeling you'll really like it and if you don't you can always leave. PM me if you need any info at all. And I can give you my name for there and you can say I referred you over
    as damp as a cellar. . . all mildewy I'm as damp as a cellar. . . all mildewy

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    Veteran Member renaissance's Avatar
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    Default Re: I need help PLEASE

    Well, I have no advice for you and have never been in your situation but I bet it sucks! So this is all I have for you:
    Conducting myself in a terribly sexy fashion on and

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