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Thread: Co-Op Committe wants to know my employment situation--suggestions?

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    Newbie lilips's Avatar
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    Dizzy Co-Op Committe wants to know my employment situation--suggestions?

    Hi! First post I haven't lurked long, but I've been camming since January. I'm in a small financial rut; I'm stuck on an issue and I was hoping that some one might have suggestions for a good cover story. I've done a site search on cover stories, but I don't know if any of the excuses I read would be a good fit for my particular situation.

    I live in a housing co-operative. It's very liberal. No one has asked questions about where I work, but if my housemates somehow did find out, I believe they would be okay with it. I still keep to myself, though.

    For the first time since I moved in, I find myself behind on rent payments. I'm not the best with money management. A few weeks ago, I had it in my head to pay back some former debts, thinking that I would be able to catch up later, but a camgirl in the summer is a broke camgirl, and I just haven't been making as much. Now I have a meeting with the housing co-op committee to appeal eviction. Apparently, it's not as scary as it sounds, because their goal is not actually eviction--they would rather work with you and put you on a payment plan. I submitted a payment plan and if they accept it, I'm not evicted.

    The final decision is made at this meeting I have to go to. I won't be in town, so I'm supposed to submit a proxy appeal in writing, which gives me a chance to weigh my words carefully. According to the Committee, I should "write up your recent pay and explain your employment situation (i.e. Are you currently employed? How much do you earn? How often are you paid?). I think that what we're really looking for is the general information that a paystub indicates (income and frequency)"

    What to say? The good news is that no one knows what I do. I was asked once at my membership meeting, and I gave some throwaway, easily forgettable answer. So I can put anything. The other thing is that the Committee won't check for proof; instead, they'll make a decision based on any info I give them. So I have free reign to come up with a number of things. Does anyone have ideas as to what I should put down?

    Thanks in advance.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Say you work for yourself for a number of small companies, doing sales, admin work for them etc. Unfortunately 2 of the companies you usually work with have had to cut back on their spending and so you have lost them as customers at least for the summer, meaning your income has gone down. You understand it's not a good position to be in, so you are actively seeking new business to work with and don't expect this to be a continuing problem.

    Then get on one of the big camsites and WORK your ass off!! If you join mfc, sm, or aw you can get on daily pay with princess jenny and make that money in no time x
    "If you want to earn more, learn more" ~ Zig Ziglar




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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    there are really two separate issues that the Co-Op committee will evaluate ...

    - the amount of 'dependable, regular income' that you have available to consistently pay rent ... where any form of independent contractor 'work' thus wide variations in actual weekly / monthly earnings will be viewed less favorably than an employee paycheck

    - the degree of 'financial responsibility' you have shown in regard to past personal finances ... where a poor credit rating and/or a significant pre-existing debt burden will be viewed unfavorably

    It's now a fact that, with an increasing number of people finally being evicted from their delinquent mortgage houses via foreclosures, demand for residential rentals , residential rental unit occupancy rates, and average residential rent costs, are all now rising together. Thus 'landlords' are now far less inclined to retain a delinquent / economically risky tenant at a fixed rent / lease rate, versus seeking a new tenant at a higher rent / lease rate, than they probably were a couple of years ago. I don't mean to spread unwarranted doom and gloom, but this IS the current economic situation where rental properties are concerned.

    It's also highly probable that, at the very least, the Co-Op Committee will pull your credit report. Whatever you decide to tell them should at least be consistent with the contents of your credit report. And, lately, by whatever means, some camgirls' credit reports have started to show things like StreaMates being listed as their 'employer'. As a starting point, I would recommend that you pull a copy of your own credit report to find out what info the Co-Op Committee is likely to already have in regard to your financial situation. And, realistically speaking, if that credit report shows a low credit score plus a number of overdue bills over the course of the last 3 years, I wouldn't put too much hope in a successful appeal of eviction.
    Last edited by Melonie; 07-27-2012 at 12:11 AM.

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    Senior Member moonjade6's Avatar
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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Quote Originally Posted by Melonie View Post
    there are really two separate issues that the Co-Op committee will evaluate ...

    - the amount of 'dependable, regular income' that you have available to consistently pay rent ... where any form of independent contractor 'work' thus wide variations in actual weekly / monthly earnings will be viewed less favorably than an employee paycheck

    - the degree of 'financial responsibility' you have shown in regard to past personal finances ... where a poor credit rating and/or a significant pre-existing debt burden will be viewed unfavorably

    It's now a fact that, with an increasing number of people finally being evicted from their delinquent mortgage houses via foreclosures, demand for residential rentals , residential rental unit occupancy rates, and average residential rent costs, are all now rising together. Thus 'landlords' are now far less inclined to retain a delinquent / economically risky tenant at a fixed rent / lease rate, versus seeking a new tenant at a higher rent / lease rate, than they probably were a couple of years ago. I don't mean to spread unwarranted doom and gloom, but this IS the current economic situation where rental properties are concerned.

    It's also highly probable that, at the very least, the Co-Op Committee will pull your credit report. Whatever you decide to tell them should at least be consistent with the contents of your credit report. And, lately, by whatever means, some camgirls' credit reports have started to show things like StreaMates being listed as their 'employer'. As a starting point, I would recommend that you pull a copy of your own credit report to find out what info the Co-Op Committee is likely to already have in regard to your financial situation. And, realistically speaking, if that credit report shows a low credit score plus a number of overdue bills over the course of the last 3 years, I wouldn't put too much hope in a successful appeal of eviction.
    I disagree with what you're saying, for a few reasons.

    Firstly, I'm not evicted, so I'm not appealing eviction, I'm requesting an approval of my payment plan. Since my debt is over a certain amount, I have to go in front of the Committee to get my plan approved. If it's not approved, then I'm evicted.

    I've talked with the Committee Coordinator on the phone several times, and she assured me that the goal of the Individual Issues Committee is NOT eviction. They would rather avoid that hassle, and work with the co-op member to ensure that payments are made. The Coordinator herself told me that it's more likely that they'll accept my plan. This is different from a "landlord/tenant" situation. Most of the people living in my co-op are low income; I'm not the only one in my building who has to attend an Individual Issues meeting because of missed payments. Basically they deal with issues like mine on a monthly basis.

    Lastly, and most importantly, the Coordinator told me how the decision-making process works, and it is NOT how you describe it: "We'll discuss each situation separately. Normally, we'd start with you there, to ask questions, but since you are proxying, we'll read your proxy and then discuss it. The committee makes decisions on pure consensus, so there's no voting or majority issues; we talk until we all agree about how to proceed. We'll then send you a letter outlining what the committee decided - probably we'll send a quick email the next next day just giving you the basics, and then a more formal letter for your records the next week".

    And this is straight from the website: "The Individual Issues Committee, in deliberating on proposed exceptional payment plans, should consider the savings of the member’s house, the member’s documented ability to pay, presence of co-signers, and the committee member’s own judgment." (When I asked what she meant about documented ability to pay, the Coordinator said that I should just write down what my income and frequency of my checks--she doesn't even want paystubs!)

    So no, like I said, they're not going to run a credit check, but instead make a decision based on the information I give them. This isn't an apartment management company, so things are done differently.


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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Oh, and this is the OP on moonjade6's laptop, for those confused and suspicious


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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    whatever.
    Don't tell them you are a camgirl. If you do that they are REALLY going to wonder why you can't pay your rent.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Quote Originally Posted by LilRedRidinGood View Post
    whatever.
    Don't tell them you are a camgirl. If you do that they are REALLY going to wonder why you can't pay your rent.
    Um, I wasn't going to?
    That's why I started this post?
    For suggestions?
    Got any?

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Susie's suggestion is actually really good, and beautifully worded. I was going to say something similar.
    The Camgirl's Guide to Computer Health!

    Quote Originally Posted by EvelynHeartsYou View Post
    Go go gadget sympathy tips and niche fetishes!!

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    ^I agree

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Quote Originally Posted by moonjade6 View Post
    I disagree with what you're saying, for a few reasons.

    Firstly, I'm not evicted, so I'm not appealing eviction, I'm requesting an approval of my payment plan. Since my debt is over a certain amount, I have to go in front of the Committee to get my plan approved. If it's not approved, then I'm evicted.

    I've talked with the Committee Coordinator on the phone several times, and she assured me that the goal of the Individual Issues Committee is NOT eviction. They would rather avoid that hassle, and work with the co-op member to ensure that payments are made. The Coordinator herself told me that it's more likely that they'll accept my plan. This is different from a "landlord/tenant" situation. Most of the people living in my co-op are low income; I'm not the only one in my building who has to attend an Individual Issues meeting because of missed payments. Basically they deal with issues like mine on a monthly basis.

    Lastly, and most importantly, the Coordinator told me how the decision-making process works, and it is NOT how you describe it: "We'll discuss each situation separately. Normally, we'd start with you there, to ask questions, but since you are proxying, we'll read your proxy and then discuss it. The committee makes decisions on pure consensus, so there's no voting or majority issues; we talk until we all agree about how to proceed. We'll then send you a letter outlining what the committee decided - probably we'll send a quick email the next next day just giving you the basics, and then a more formal letter for your records the next week".

    And this is straight from the website: "The Individual Issues Committee, in deliberating on proposed exceptional payment plans, should consider the savings of the member’s house, the member’s documented ability to pay, presence of co-signers, and the committee member’s own judgment." (When I asked what she meant about documented ability to pay, the Coordinator said that I should just write down what my income and frequency of my checks--she doesn't even want paystubs!)

    So no, like I said, they're not going to run a credit check, but instead make a decision based on the information I give them. This isn't an apartment management company, so things are done differently.


    I don't understand. You say you disagree, and then in more vague language basically repeat what Melodie was saying. I think it's silly to not understand that logically they ARE looking at your ability to pay and your past history. Why would you say they aren't or disagree with someone who says they are going to look at those things.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    I don't understand. You say you disagree, and then in more vague language basically repeat what Melodie was saying. I think it's silly to not understand that logically they ARE looking at your ability to pay and your past history. Why would you say they aren't or disagree with someone who says they are going to look at those things.
    To break it down,

    Melonie said
    *They have already evicted me and I am appealing to this eviction.
    *They will look/ask for physical proof of my ability to pay.
    *They are "landlords" who don't cater to low-income "tenants".
    *The WILL run a credit check. If my credit is poor, they will not appeal my eviction.

    I said
    *I am not evicted--yet. I have to write up a payment plan and get it approved by the co-op housing committee.
    *They will simply ask me what I make and how often I make it, and make a decision from my words alone.
    *They are a community co-operative, and the majority of their members are low-income, which they encourage.
    *They WILL NOT run a credit check. Unless I write that I'm unemployed, they will accept my plan and I won't get evicted.

    So to answer your question, because I know, based on what the Coordinator told me and the Co-operative Policy Manual says, that they are NOT going to look at those things.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    le sigh...
    dead horse, you're beating it.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Quote Originally Posted by LilRedRidinGood View Post
    le sigh...
    dead horse, you're beating it.
    I hope you know that the negative energy you give out comes back to you always.

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    So have you spoken with them yet? Any update? No point arguing here, as far as I can see, everyone who posted has tried to help in their own way. Just take the info you can use, and leave the rest x
    "If you want to earn more, learn more" ~ Zig Ziglar




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    Thumbs up Re: Co-Op Committe wants to know my employment situation--suggestions?

    I wrote up my proxy a few days ago and e-mailed it! It took me a couple of days and a lot of thinking, but I used to be an English major and writing a persuasive argument turned out to be easier than I thought.

    The appeal I typed up was pretty thorough. I wrote that I worked from home doing data entry/admin work for a company's website. I said that my computer had been having major issues for the last couple of months, but I recently got it completely repaired, so I should have no problem paying back my debt via the payment plan that I outlined. I told her that I make 9.75/hr, and would be working up to 35 hours a week starting early August.

    The Coordinator was very nice about it, and thanked me for my detailed appeal. What I wrote is going to be pored over by the four head Co-op Coordinators on Thursday night, and I should have their decision e-mailed to me on Friday. Please wish me luck! Thanks

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    Default Re: Co-Op Committe wants to know my employment situation--suggestions?

    Things like this really depend on where you live...most places around where I live will take your word for it about employment.
    Hell, I told a landlord I was working with a "career adviser" atm and he took that as employment.. lol

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