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(MSN)   It's not just the renters who will be out on the street, a tsunami of deferred debt is coming ashore and will hit homeowners no longer protected by the foreclosure moratorium soon   (msn.com) divider line
    More: Followup, Mortgage, Foreclosure, Money, monthly payments, New Orleans, forbearance ends, mortgage servicers, percent equity  
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3315 clicks; posted to Main » and Politics » on 01 Aug 2021 at 1:38 PM (11 weeks ago)   |   Favorite    |   share:  Share on Twitter share via Email Share on Facebook



159 Comments     (+0 »)
View Voting Results: Smartest and Funniest
 
TWX
2021-08-01 1:40:08 PM  
Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.
 
2021-08-01 1:40:25 PM  
Good luck debt collectors, I'm behind 7 mortgages.
 
2021-08-01 1:43:41 PM  
Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.
 
2021-08-01 1:43:42 PM  
I may be broke, but at least I have no debt.
 
2021-08-01 1:47:11 PM  
My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.
 
2021-08-01 1:48:49 PM  

RolfBlitzer: I may be broke, but at least I have no debt.


Honestly you may be better off than those who look rich. We don't see peoples finances.  There are a lot of people who are broke who live in nice homes and have nice cars. They've spent themselves into debt with money they don't have to look good.
 
2021-08-01 1:49:32 PM  
Good job GQP, instead of stopping the virus by wearing damned masks last summer, you've condemned many many mortgagors and tenants to be homeless.  Including your own dumb asses.
 
2021-08-01 1:50:33 PM  

WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.


Kenny Powers agrees
Fark user imageView Full Size
 
2021-08-01 1:50:55 PM  
Relevant. NSFW language.
Ticked Off Vic: A Message to the Government | VicDiBitetto.net
Youtube GLcNStHTDjM
 
2021-08-01 1:52:11 PM  

WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.


Some states are even topping that.  Delaware decided that their portal needed an upgrade, beginning 7/28:

https://www.wdel.com/news/delawares-c​o​vid-19-rental-assistance-portal-goes-d​own-for-upgrades-as-eviction-moratoriu​m-expires/article_7900e7d8-efd9-11eb-8​7a3-9bc950559b13.html

Fark user imageView Full Size
 
2021-08-01 1:53:24 PM  

TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.


IF.  If there were certainties involved, I'd be cashing out my house now, renting on the downswing, then buying multiple homes at the bottom.   But there's too much population pressure for a huge correction, and I need a place to live, so I'm going to miss out on my chance to get into the landlord game.
 
TWX
2021-08-01 1:53:41 PM  

4seasons85!: RolfBlitzer: I may be broke, but at least I have no debt.

Honestly you may be better off than those who look rich. We don't see peoples finances.  There are a lot of people who are broke who live in nice homes and have nice cars. They've spent themselves into debt with money they don't have to look good.


Counterpoint, those people deeply in debt are enjoying the homes, chattel property, and lifestyles that being in that debt has afforded them.
 
2021-08-01 1:54:39 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


That sucks. This whole situation sucks. The thought of 1.8 million families facing eviction is terrifying and sad. It's a cascading effect that will lead to nothing but misery for a lot of people who could be helped with a fraction of what this country spends on useless "wars" and political campaigns. Ugh.
 
2021-08-01 1:54:46 PM  
People who are delinquent on their real estate property taxes are going to find out that they've been unofficially protected by the pandemic as well.  I suspect Philadelphia isn't unique in this regard, but there's been a moratorium on "hard collection" practices since the start of the pandemic.  If people call in and want to pay, they're happy to take their money and even put people into payment agreements.  But existing agreements haven't been defaulted in 18 months, and tax foreclosures have been on hold as well.
 
2021-08-01 1:55:22 PM  
UBI would be a nice first step to partially allay hardship.
 
2021-08-01 1:56:26 PM  
Are the corporations going to be OK?
Or do they need another huge tax cut?
 
2021-08-01 1:56:59 PM  

TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.


Or we could let it crash hard and maybe outlaw companies buying. And people might finely be able to buy homes.
 
TWX
2021-08-01 1:57:07 PM  

Unsung_Hero: TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.

IF.  If there were certainties involved, I'd be cashing out my house now, renting on the downswing, then buying multiple homes at the bottom.   But there's too much population pressure for a huge correction, and I need a place to live, so I'm going to miss out on my chance to get into the landlord game.


Population pressure is secondary to lenders' willingness to lend.

We offered in late 2010 and closed in early 2011 on a short-sale that took 119 days to close.  We got the house at the literal bottom of the trough of the crash of the housing market, because we had excellent credit and the 20% to put down.

But then again, we live a lifestyle as a family that's far below what we could afford to live, which is why we had the resources to do what we did, and why we'll have the resources to do what we might do if the market does indeed crash and credit becomes unavailable to most buyers.
 
2021-08-01 1:57:28 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.
 
2021-08-01 1:58:13 PM  

Ragin' Asian: UBI would be a nice first step to partially allay hardship.


I'm thinking UFIA is probably more likely.
 
2021-08-01 1:59:12 PM  

NM Volunteer: Good job GQP, instead of stopping the virus by wearing damned masks last summer, you've condemned many many mortgagors and tenants to be homeless.  Including your own dumb asses.


I'm sure they'd love to kill this, but you gotta get it out of the House first.  At some point over the last several months.  Calling for unanimous consent (which you know you won't get) at the last minute?  Not much of an effort, to say the least.
 
2021-08-01 2:00:02 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


See if they accept money orders.  It's an extra step but it's better than a $50 surcharge
 
2021-08-01 2:00:33 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


Back to paper checks?
 
2021-08-01 2:01:42 PM  

WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.


America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.
 
2021-08-01 2:02:53 PM  

thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.


Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.
 
2021-08-01 2:02:53 PM  
That reminds me, rent is due.

I really lucked out being a frontline worker. In fact, I pulled in a ton of overtime. I feel bad for people suffering over this. It's going to go to hell and the wrong people are going to suffer.
 
2021-08-01 2:04:05 PM  

Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge


Will do! I've already left a nasty voicemail.  The rent charge without notice on a Sunday where the office is closed is very inappropriate.  I will be calling them tomorrow to discuss my options and try to get a refund.
 
2021-08-01 2:04:35 PM  
The problem with deferring debt, at least on personal debt, is you have to set aside the money to pay the debt.
 
2021-08-01 2:04:36 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


Pay the fifty in loose pennies.
 
2021-08-01 2:05:15 PM  

4seasons85!: RolfBlitzer: I may be broke, but at least I have no debt.

Honestly you may be better off than those who look rich. We don't see peoples finances.  There are a lot of people who are broke who live in nice homes and have nice cars. They've spent themselves into debt with money they don't have to look good.


you know, I've heard this for fifteen years now, and yet I don't see these people getting kicked to the curb and receiving their moral comeuppance for living wildly beyond their means.  I worked to pay off my debts while they get new cars and play on jet skis on the lake.   When does this reckoning actually happen?   Do they get bailouts or something?
 
2021-08-01 2:05:25 PM  

farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?


There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.
 
2021-08-01 2:07:29 PM  

dbaggins: 4seasons85!: RolfBlitzer: I may be broke, but at least I have no debt.

Honestly you may be better off than those who look rich. We don't see peoples finances.  There are a lot of people who are broke who live in nice homes and have nice cars. They've spent themselves into debt with money they don't have to look good.

you know, I've heard this for fifteen years now, and yet I don't see these people getting kicked to the curb and receiving their moral comeuppance for living wildly beyond their means.  I worked to pay off my debts while they get new cars and play on jet skis on the lake.   When does this reckoning actually happen?   Do they get bailouts or something?


Fair point. I don't know.
 
2021-08-01 2:09:05 PM  

RolfBlitzer: I may be broke, but at least I have no debt.


I'll be there, too about a year after my divorce is finalized.
I'm amazed at how much my wife was draining our bank account.
 
2021-08-01 2:09:10 PM  

Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge


that's how I pay mine.  It's 79 cents at a Wally World near you. The rest of my bills I pay online with my Wally World debit card.  I bypass banks.  they suck you dry.
 
2021-08-01 2:10:24 PM  
Whelp, I guess that means the housing market is about to be a buyer's market again soon...
 
2021-08-01 2:11:47 PM  
Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/
 
2021-08-01 2:12:11 PM  

munko: Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge

that's how I pay mine.  It's 79 cents at a Wally World near you. The rest of my bills I pay online with my Wally World debit card.  I bypass banks.  they suck you dry.


Thanks I will look into that!
 
2021-08-01 2:13:07 PM  

saywhonow: Whelp, I guess that means the housing market is about to be a buyer's market again soon...


Nah. Powell wont allow it. Theyll kick up more MBS purchases.
 
2021-08-01 2:14:22 PM  
I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?
 
2021-08-01 2:15:06 PM  

Barbecue Bob: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Pay the fifty in loose asspennies.

 
2021-08-01 2:15:08 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


That is just a cash grab. Debit cards are cheaper to process than credit cards. Plus, since it's all electronic, they don't have to deposit anything, unlike checks or cash.

See if you can pay in cash and demand a receipt. Make them work for the money. To take cash costs them money as they have to count it, secure it, and take it to the bank to deposit it.
 
2021-08-01 2:15:13 PM  

munko: Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge

that's how I pay mine.  It's 79 cents at a Wally World near you. The rest of my bills I pay online with my Wally World debit card.  I bypass banks.  they suck you dry.


Credit unions are generally better than banks. . . .
 
2021-08-01 2:15:18 PM  
When the children are dead and their parents are homeless will we be done with all the winning?
Or are these the good old days?
 
2021-08-01 2:15:56 PM  

4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


Depending on you bank, they may offer a system with paper checks being mailed to your management company. Mine does that for my lawn service and a few others without charge. You may need to have a minimum amount on deposit with them though and schedule the payment a few days in advance as the mail service may be unpredictable (thanks to Postmaster Dejoy)
 
2021-08-01 2:23:50 PM  

Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.


Do you know who your state legislators are?  In Maryland, the state legislators pass plenty of shockingly donor biased bills over and over, despite being completely controlled by the Democrats.  And if you haven't a clue what they voted on, why not take money from the highest bidder?

Moved to New York (Rochester).  Seems like an even worse Democratic party, although good luck finding a better Republican party (especially now) to even compete with a horrible Democratic party (there is a scary movement among Q-anon types to take direct control of the local parties and make them even worse).

Back in the 1990s, one of the biggest things the rightwing was interested was in de-federalizing (see Ron Paul and other neo-confederates).  Mostly because it is easier to to corrupt each state legislature than Congress, if only thanks to the cost of running for the respective offices.  Other reasons was that in the 1990s the total wingnuts were capturing state governments, but hadn't quite moved onto the Federal Government.  I'm not sure I've heard that line of bullshaite since Dubya took over, so maybe the cost of each statehouse has gone up.

/nothing will change until the man on the street knows the voting record  of his state legislators
//also has to care
///I'm typically using some sort of voting guide, so guilty as well
 
2021-08-01 2:25:15 PM  

Peki: We're going to have an unhoused crisis the likes of which this country has never seen.


No, The County of Los Angeles just made being homeless illegal.
Problem solved
 
2021-08-01 2:25:37 PM  

Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.


This isn't an R vs D issue. The Biden White House didn't suggest Congress do something until it was too late to do anything. Then, Pelosi's House went on vacation to allow its members to enjoy their donors' money.

It goes without saying that the Senate GOP would have vetoed any aid package in any case, and that Senate Democrats would be happy to do nothing, as the preservation of the fillibuster-veto is of paramount importance to each Senator's ability to raise money and avoid accountability.

America is a collapsing oligarchy that pretends to be a democracy.  It has has two fake parties that support essentially the same policies in private and blame each other for obstructing policies that the parties claim to support in public but don't actually have any intention of enacting.
 
2021-08-01 2:27:22 PM  

thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.


He said debit card not credit so it is effectively cash.

My 2¢: open. FREE online CapitalOne checking/savings account (no fees, minimums etc. and earns (crappy) interest). You can either send money with a zelle thingy, or, like I do, have them send a physical rent check for free from your account. Doesn't even cost u price of a stamp.
 
2021-08-01 2:28:42 PM  

Herr Morgenstern: That reminds me, rent is due.

I really lucked out being a frontline worker. In fact, I pulled in a ton of overtime. I feel bad for people suffering over this. It's going to go to hell and the wrong people are going to suffer.


It will also be our tipping point into fascism
 
2021-08-01 2:29:36 PM  

auntedrie: Peki: We're going to have an unhoused crisis the likes of which this country has never seen.

No, The County of Los Angeles just made being homeless illegal.
Problem solved


County? I thought it was LA city that passed that ordinance.
 
2021-08-01 2:31:44 PM  

hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?


FTA:

About a third of homeowners were never eligible for forbearance due to having mortgages that weren't federally backed. (The moratorium applied only to mortgages backed by the Department of Housing and Urban Development, the Department of Veterans Affairs, the Agriculture Department and the Federal Housing Finance Agency.)

Other homeowners may not know about forbearance, or may have received inaccurate information on their eligibility. Even for those in forbearance, mortgage servicers may not be adequately communicating all possible options to homeowners for resolving debt.

"There's a really big problem with servicers not accurately explaining the post-forbearance options, such as loan modification to permanent deferral, all of those things that are necessary to bring the loan current," said Sarah Mancini, a staff attorney at the National Consumer Law Center.


This is my shocked face  ( -_-)
 
2021-08-01 2:32:04 PM  
17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.
 
2021-08-01 2:32:08 PM  

NM Volunteer: Good job GQP, instead of stopping the virus by wearing damned masks last summer, you've condemned many many mortgagors and tenants to be homeless.  Including your own dumb asses.


Lol. You really don't understand or pay attention to the news very well for someone who is in this site so often.

Bless your heart.
 
2021-08-01 2:32:22 PM  

hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?


We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.
 
2021-08-01 2:32:24 PM  
Thank Gramps I own my home and veehickles outright.  I've missed out on that whole nightmare.
 
2021-08-01 2:32:43 PM  

TWX: Unsung_Hero: TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.

IF.  If there were certainties involved, I'd be cashing out my house now, renting on the downswing, then buying multiple homes at the bottom.   But there's too much population pressure for a huge correction, and I need a place to live, so I'm going to miss out on my chance to get into the landlord game.

Population pressure is secondary to lenders' willingness to lend.

We offered in late 2010 and closed in early 2011 on a short-sale that took 119 days to close.  We got the house at the literal bottom of the trough of the crash of the housing market, because we had excellent credit and the 20% to put down.

But then again, we live a lifestyle as a family that's far below what we could afford to live, which is why we had the resources to do what we did, and why we'll have the resources to do what we might do if the market does indeed crash and credit becomes unavailable to most buyers.


I'd have a similar buying history to you. My wife and I had been saving for a few years. The market we live in is one of the most expensive in the country and we figured we'd be renting for a very long time. But then with the crash we were suddenly in the driver's seat. We bought a home in an ideal neighborhood for us. I did a ton of upgrades and work on the place myself over the years and we love it.

Now here we are 13 years later. The neighborhood we're in has shot up. A couple years ago someone renovated a colonial down the street, converted it into two 1200 sq ft condos, and sold each for $550,000. Last summer a small ranch house in back of us was torn down and a new home built on the 5000 sq ft lot and sold for $1.1 million. My friend and neighbor across the street decided to cash in since the last of his kids went away to college. His place was built 80+ years ago, he has the same square footage as me (1600), same size lot (8000), but he never did a single upgrade. The inside looks like the 1970s. He only has a single bathroom located on the second floor. Last month it sold in 3 days for $720,000. It is absolute insanity.
 
2021-08-01 2:33:08 PM  

yet_another_wumpus: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

Do you know who your state legislators are?  In Maryland, the state legislators pass plenty of shockingly donor biased bills over and over, despite being completely controlled by the Democrats.  And if you haven't a clue what they voted on, why not take money from the highest bidder?

Moved to New York (Rochester).  Seems like an even worse Democratic party, although good luck finding a better Republican party (especially now) to even compete with a horrible Democratic party (there is a scary movement among Q-anon types to take direct control of the local parties and make them even worse).

Back in the 1990s, one of the biggest things the rightwing was interested was in de-federalizing (see Ron Paul and other neo-confederates).  Mostly because it is easier to to corrupt each state legislature than Congress, if only thanks to the cost of running for the respective offices.  Other reasons was that in the 1990s the total wingnuts were capturing state governments, but hadn't quite moved onto the Federal Government.  I'm not sure I've heard that line of bullshaite since Dubya took over, so maybe the cost of each statehouse has gone up.

/nothing will change until the man on the street knows the voting record  of his state legislators
//also has to care
///I'm typically using some sort of voting guide, so guilty as well


What's to know? The Republican Party is selling us down river and the Machins and Sinemas of the world are in on it
 
2021-08-01 2:33:13 PM  

Peki: Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/


California's homelessness crisis is entirely made in California. It's not mental illness or addiction, it's the deliberate under-construction of housing units in order to gift existing property owners with ever rising property values.
 
2021-08-01 2:34:13 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


username checks out.
 
2021-08-01 2:34:18 PM  

Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.


America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"
 
2021-08-01 2:34:50 PM  

yet_another_wumpus: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

Do you know who your state legislators are?  In Maryland, the state legislators pass plenty of shockingly donor biased bills over and over, despite being completely controlled by the Democrats.  And if you haven't a clue what they voted on, why not take money from the highest bidder?

Moved to New York (Rochester).  Seems like an even worse Democratic party, although good luck finding a better Republican party (especially now) to even compete with a horrible Democratic party (there is a scary movement among Q-anon types to take direct control of the local parties and make them even worse).

Back in the 1990s, one of the biggest things the rightwing was interested was in de-federalizing (see Ron Paul and other neo-confederates).  Mostly because it is easier to to corrupt each state legislature than Congress, if only thanks to the cost of running for the respective offices.  Other reasons was that in the 1990s the total wingnuts were capturing state governments, but hadn't quite moved onto the Federal Government.  I'm not sure I've heard that line of bullshaite since Dubya took over, so maybe the cost of each statehouse has gone up.

/nothing will change until the man on the street knows the voting record  of his state legislators
//also has to care
///I'm typically using some sort of voting guide, so guilty as well


As if that weren't enough, anything a party does, no matter how awful, will be defended or willfully ignored by 40-50% of the population that is paying attention.  Team sport.  Beginning to think that we're never going to have good government.
 
2021-08-01 2:36:13 PM  

rolladuck: RolfBlitzer: I may be broke, but at least I have no debt.

I'll be there, too about a year after my divorce is finalized.
I'm amazed at how much my wife was draining our bank account.


You know why divorce is so expensive?
Because it's worth it.
 
2021-08-01 2:45:40 PM  

bluejeansonfire: Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"


The function of the Democratic Party is to protect the privileges of people with more than $750,000 in assets. The function of the Republican Party is to protect the privileges of people with more than $750,000 in unearned income.

The only other difference is that the Republican Party opens concentration camps while the Democratic Party merely refuses to close them.
 
2021-08-01 2:45:50 PM  

Peki: County? I thought it was LA city that passed that ordinance.


I stand corrected. My mistake. So they only solved homelessness for The City of Los Angeles.
Still a great start.
Eazy peazy
 
2021-08-01 2:49:21 PM  

WalkingSedgwick: Peki: Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/

California's homelessness crisis is entirely made in California. It's not mental illness or addiction, it's the deliberate under-construction of housing units in order to gift existing property owners with ever rising property values.


Yup. I'm aware. I've been looking for housing since December but can't find a place because a) I didn't work during the pandemic so I can't provide three month's of paycheck stubs and b) becoming unhoused made me lose track of all my documents (case worker wants my social security card, presumably to prevent accusations that "illegal immigrants" are getting services).

This state, for all that it's billed as progressive, is mean AF to its underclass. The other fun one was trying to get support for domestic violence, only to be told I don't qualify because the assaulter was my uncle instead of an intimate partner.
 
2021-08-01 2:50:06 PM  

WalkingSedgwick: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

This isn't an R vs D issue. The Biden White House didn't suggest Congress do something until it was too late to do anything. Then, Pelosi's House went on vacation to allow its members to enjoy their donors' money.

It goes without saying that the Senate GOP would have vetoed any aid package in any case, and that Senate Democrats would be happy to do nothing, as the preservation of the fillibuster-veto is of paramount importance to each Senator's ability to raise money and avoid accountability.

America is a collapsing oligarchy that pretends to be a democracy.  It has has two fake parties that support essentially the same policies in private and blame each other for obstructing policies that the parties claim to support in public but don't actually have any intention of enacting.


The Founding Fathers made sure we aren't a democracy (i.e., mob rule). They made damn sure that we're a representative republic - where even tiny-arse states like Delaware get a say. Sorry that you have to pay your rent, I'm sure in Sweden or China no one pays rent - you might want to consider moving there. Also, if we're such a collapsing oligarchy, how come everyone and her mother want to come here?
 
2021-08-01 2:56:47 PM  

TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.


Is it you average billionaire rat feeding on the misfortune of others?
 
2021-08-01 2:57:42 PM  

Giantilio: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.


If your finances are stable again couldn't you take an equity loan to pay the forbearance  amount as a last case option?  With 10 years paymebt you surely have significant %
 
2021-08-01 2:58:30 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


They should march on DC and wall street and burn them to the farking ground.
 
TWX
2021-08-01 2:58:39 PM  

Catsaregreen: WalkingSedgwick: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

This isn't an R vs D issue. The Biden White House didn't suggest Congress do something until it was too late to do anything. Then, Pelosi's House went on vacation to allow its members to enjoy their donors' money.

It goes without saying that the Senate GOP would have vetoed any aid package in any case, and that Senate Democrats would be happy to do nothing, as the preservation of the fillibuster-veto is of paramount importance to each Senator's ability to raise money and avoid accountability.

America is a collapsing oligarchy that pretends to be a democracy.  It has has two fake parties that support essentially the same policies in private and blame each other for obstructing policies that the parties claim to support in public but don't actually have any intention of enacting.

The Founding Fathers made sure we aren't a democracy (i.e., mob rule). They made damn sure that we're a representative republic - where even tiny-arse states like Delaware get a say. Sorry that you have to pay your rent, I'm sure in Sweden or China no one pays rent - you might want to consider moving there. Also, if we're such a collapsing oligarchy, how come everyone and her mother want to come here?


Because the value of our currency hasn't tanked yet?  Because reputations take time to spread?  Because however bad it gets there's someplace worse?
 
2021-08-01 2:59:02 PM  
It's not like anyone affected did not see this coming, or did not have time to figure out any other options.
 
2021-08-01 2:59:22 PM  

iheartscotch: The problem with deferring debt, at least on personal debt, is you have to set aside the money to pay the debt.


The people who couldn't afford their debt don't magically become able to afford it by waiting longer. The problem is that their debt is too high and their income is too low. I don't know why this country thought that a pandemic was magically going to bank people the thousands they need not to be financially drowning.
 
2021-08-01 3:01:18 PM  
I'm sympathetic but how long can this go on? Then again we gave out free money to all kinds of businesses that didn't need it and said "don't worry about paying  that back."

Do landlords  really have that many prospective renters waiting that they want to boot the current ones?
 
2021-08-01 3:01:52 PM  

WalkingSedgwick: bluejeansonfire: Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"

The function of the Democratic Party is to protect the privileges of people with more than $750,000 in assets. The function of the Republican Party is to protect the privileges of people with more than $750,000 in unearned income.

The only other difference is that the Republican Party opens concentration camps while the Democratic Party merely refuses to close them.


The dems always say nice things, and then never do them.
The repubs always say god awful things, and then actually implement them.

Left wing, right wing, same bird.
 
2021-08-01 3:02:26 PM  
Just as planned. Time for the wolves to feed and snap up all the foreclosures. This country is so sick in its soul that it may be beyond saving.
 
2021-08-01 3:02:49 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


Look, do you want four more years of Trump??

You will never get these "moderates" to listen to you. They are as bad as Republicans when it comes to changing their minds--they don't listen. They don't care. Their lives are fine, so they don't see what the big deal. It's privilege and arrogance all the way down.
 
2021-08-01 3:03:53 PM  
Gilded Age ll, Electric Boogaloo.
 
2021-08-01 3:04:05 PM  

zeaper12: It's not like anyone affected did not see this coming, or did not have time to figure out any other options.


I know, why didn't they just borrow it from their parents...your comment may be the dumbest thing I have read this week.
 
2021-08-01 3:04:40 PM  

edmo: I'm sympathetic but how long can this go on? Then again we gave out free money to all kinds of businesses that didn't need it and said "don't worry about paying  that back."

Do landlords  really have that many prospective renters waiting that they want to boot the current ones?


This country has enough money to take care of everyone.

We could solve homelessness for a few billion. We could solve hunger for a few billion more. If we fixed our cruelly broken healthcare system, we'd save money. Same with funding the IRS.

But we can't have these things because they make rich people sad or something.
 
2021-08-01 3:05:22 PM  

hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?


Did the gov actually do that and it was wishful thinking? In Canada they did do that. In Murica, I'm not so sure since the banks own most of congress.
 
2021-08-01 3:05:44 PM  

Parthenogenetic: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

FTA:

About a third of homeowners were never eligible for forbearance due to having mortgages that weren't federally backed. (The moratorium applied only to mortgages backed by the Department of Housing and Urban Development, the Department of Veterans Affairs, the Agriculture Department and the Federal Housing Finance Agency.)

Other homeowners may not know about forbearance, or may have received inaccurate information on their eligibility. Even for those in forbearance, mortgage servicers may not be adequately communicating all possible options to homeowners for resolving debt.

"There's a really big problem with servicers not accurately explaining the post-forbearance options, such as loan modification to permanent deferral, all of those things that are necessary to bring the loan current," said Sarah Mancini, a staff attorney at the National Consumer Law Center.

This is my shocked face  ( -_-)


Thank you
 
2021-08-01 3:07:34 PM  
I'm on my way to go look at a new cabin for rent. I have to move out this month. Luckily I had a first month and deposit saved up.
I'm really hoping I get this place. Zero neighbors, 3 acres of land, running water, a greenhouse and plenty of heat for the winter. And a little closer to town.
 
TWX
2021-08-01 3:07:39 PM  

lolmao500: TWX: Well, we're prepared.  If the housing market crashes like it did starting in 2008 or so we'll be ready to pick up property.

Is it you average billionaire rat feeding on the misfortune of others?


Nope.  We each spent our childhoods in public schools learning what we needed in order to do reasonably well for ourselves.  I got into IT and my wife got a bachelor's in mechanical engineering from MIT and is literally a rocket scientist.  In turn we are both the progeny of government workers, my dad was a computer programmer for the state and her father was a steam engineer for the Boston sewer system.
Our 2010/2011 home purchase was $300k.
 
2021-08-01 3:08:17 PM  

4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


My bank will also cut a paper check for free if there's no electronic service to the payee. I guess their cost savings there is they know they sent the check so they don't spend extra labor on verification when it's cashed.
 
2021-08-01 3:09:28 PM  

austerity101: They don't care. Their lives are fine, so they don't see what the big deal. It's privilege and arrogance all the way down.


Yup thats the main problem with politicians. They all get their $100 000 salary with full benefits and make millions from various bribes and ''investments''... their families members get half a million a year jobs doing nothing but somehow this isnt considered bribes because reasons.

The longer in congress they stay, the more corrupt they become and the less farks they give.Congressfolks and senators should be forced to live like the poorest in the country to see how farking bad it is so they would improve stuff for real. Make Yertle live in a 2 rooms apartment with his wife with paper thin walls and give him only mac & cheese to eat 7 days a week and you'll see how farking fast the minimum salary goes up.
 
2021-08-01 3:09:36 PM  

Barbecue Bob: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Pay the fifty in loose pennies.


No. Don't ever do this. This only screws the minimum wage earning person who has to bear the brunt of the decisions made by management.
 
2021-08-01 3:10:40 PM  

Serious Post on Serious Thread: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

He said debit card not credit so it is effectively cash.

My 2¢: open. FREE online CapitalOne checking/savings account (no fees, minimums etc. and earns (crappy) interest). You can either send money with a zelle thingy, or, like I do, have them send a physical rent check for free from your account. Doesn't even cost u price of a stamp.


OTOH his landlord sounds like an asshole so he should pay in ass pennies.
 
2021-08-01 3:13:24 PM  

4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.
 
2021-08-01 3:14:18 PM  

auntedrie: Peki: We're going to have an unhoused crisis the likes of which this country has never seen.

No, The County of Los Angeles just made being homeless illegal.
Problem solved


"The law, in its majestic equality, forbids the rich as well as the poor to sleep under bridges, to beg in the streets, and to steal bread. "
-Anatole France
 
2021-08-01 3:15:06 PM  

edmo: I'm sympathetic but how long can this go on? Then again we gave out free money to all kinds of businesses that didn't need it and said "don't worry about paying  that back."

Do landlords  really have that many prospective renters waiting that they want to boot the current ones?


The town where I live has an almost 0% vacancy rate. I've heard stories that every apartment for rent receives at least 100 offers.
 
2021-08-01 3:15:44 PM  

Badafuco: I'm on my way to go look at a new cabin for rent. I have to move out this month. Luckily I had a first month and deposit saved up.
I'm really hoping I get this place. Zero neighbors, 3 acres of land, running water, a greenhouse and plenty of heat for the winter. And a little closer to town.


Fark user imageView Full Size
 
2021-08-01 3:18:34 PM  

lolmao500: austerity101: They don't care. Their lives are fine, so they don't see what the big deal. It's privilege and arrogance all the way down.

Yup thats the main problem with politicians. They all get their $100 000 salary with full benefits and make millions from various bribes and ''investments''... their families members get half a million a year jobs doing nothing but somehow this isnt considered bribes because reasons.

The longer in congress they stay, the more corrupt they become and the less farks they give.Congressfolks and senators should be forced to live like the poorest in the country to see how farking bad it is so they would improve stuff for real. Make Yertle live in a 2 rooms apartment with his wife with paper thin walls and give him only mac & cheese to eat 7 days a week and you'll see how farking fast the minimum salary goes up.


Feinstein is a perfect example of this.
 
2021-08-01 3:19:15 PM  

iaazathot: zeaper12: It's not like anyone affected did not see this coming, or did not have time to figure out any other options.

I know, why didn't they just borrow it from their parents...your comment may be the dumbest thing I have read this week.


Call my comment what you like but it's accurate.
 
2021-08-01 3:24:53 PM  
A castaway in the sea was going down for the third time when he caught sight of a passing ship. Gathering his last strength, he waved frantically and called for help. Someone on board peered at him scornfully and shouted back, "Get a boat!"
- Daniel Quinn
 
2021-08-01 3:25:35 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


Call them up and tell them and tell them you need to start paying by check and ask them for their mailing address. Be sure to record your conversation.
 
2021-08-01 3:26:28 PM  
Good luck voting without an address in states that passed voter disenfranchisement laws.  Yes, that was by design.
 
2021-08-01 3:27:24 PM  

Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.

If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.


It sounds like the new property owner is charging the $50 fee, and they can charge as much as they want in that situation
 
2021-08-01 3:30:12 PM  

Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.

If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.


Yeah it's a 3.5%(?) processing fee which with my dumb high rent equals a little over $50.
 
2021-08-01 3:31:41 PM  

NM Volunteer: Good job GQP, instead of stopping the virus by wearing damned masks last summer, you've condemned many many mortgagors and tenants to be homeless.  Including your own dumb asses.


Once it got out of China, there was never any stopping this virus. It's always been, "Take these precautions to bend the curve so our medical system isn't swamped," but nobody with a brain ever said it would be eradicated. Instead, it's going to be endemic like the flu and we'll be getting inoculated against the latest versions forever. Given that, it's time we rolled back the no-eviction moratorium. There's something like $21 billion in rent owed already, and allowing that debt to continue to mount is a recipe for much worse problems down the road, kind of like you shouldn't let your beachfront condo continue to deteriorate until it ultimately crumbles into a heap.
 
2021-08-01 3:31:43 PM  

Mock26: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Call them up and tell them and tell them you need to start paying by check and ask them for their mailing address. Be sure to record your conversation.


Some states are 2 party consent states on recording.... be careful
 
2021-08-01 3:36:52 PM  

4seasons85!: Snapper Carr: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

See if they accept money orders.  It's an extra step but it's better than a $50 surcharge

Will do! I've already left a nasty voicemail.  The rent charge without notice on a Sunday where the office is closed is very inappropriate.  I will be calling them tomorrow to discuss my options and try to get a refund.


Might even be illegal too. I'm a few hours north of you in NJ and that can't happen by law. Mention calling the ACLU for unfair renting practices and see if that helps.
/it may not, but it's a start
//hope everything works out for youse guys
///tres
 
2021-08-01 3:37:43 PM  

4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


Check and see if your bank can issue you a card for this.It doesn't have to be a new "credit" account
but just a debit card tied to the checking/saving account....That might eliminate the problem too..
Call them and ask about it...
 
2021-08-01 3:38:38 PM  
HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.
 
2021-08-01 3:39:58 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Do you and your supermodel girlfriend own a TV?
 
2021-08-01 3:42:59 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Bless your heart.
 
2021-08-01 3:43:38 PM  

bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"


Can't agree more. So much that is wrong in this country is just class warfare wrapped up in another package.
 
2021-08-01 3:45:48 PM  

bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"


The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.
 
2021-08-01 3:51:44 PM  

Catsaregreen: The Founding Fathers made sure we aren't a democracy (i.e., mob rule). They made damn sure that we're a representative republic - where even tiny-arse states like Delaware get a say. Sorry that you have to pay your rent, I'm sure in Sweden or China no one pays rent - you might want to consider moving there. Also, if we're such a collapsing oligarchy, how come everyone and her mother want to come here?


Did someone teach you how to do an eight point Gish Gallop in a single paragraph or is regurgitating talking points just a skill that came naturally to you?
 
2021-08-01 3:53:39 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Good for you boomer
 
2021-08-01 3:57:23 PM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Fark user imageView Full Size
 
2021-08-01 4:00:09 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


It won't be as soon as tomorrow. In normal times, it takes a good three months to remove a tenant. The courts are already backed up with other shiat due to covid. I'm pretty sure many courts will just push evictions to the bottom of the pile.

Not that this isn't a huge problem though.
 
2021-08-01 4:01:06 PM  
Have we talked about how Nancy Pelosi's husband stands to make a mint from the eviction crisis?
 
2021-08-01 4:04:41 PM  

Fara Clark: bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"

The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.


Legislation? Seems to me a two party system would break if another party got support (money).  After all the voters decide who is elected and sadly advertising money has a big hand in this.

Problem that in the past one of the two parties just absorbs any other party, like what happened to the bible thumpers (Republican absorption) or the tree huggers (Democratic absorption).
 
2021-08-01 4:05:44 PM  

Leader O'Cola: Giantilio: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.

If your finances are stable again couldn't you take an equity loan to pay the forbearance  amount as a last case option?  With 10 years paymebt you surely have significant %


As a last ditch, you can try lending club or prosper (peer to peer lending). Not generally as good as bank loans, but definitely better than credit cards.
 
2021-08-01 4:06:12 PM  

lolmao500: bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.

They should march on DC and wall street and burn them to the farking ground.


Already tried that back in January.
 
2021-08-01 4:09:48 PM  

lolmao500: austerity101: They don't care. Their lives are fine, so they don't see what the big deal. It's privilege and arrogance all the way down.

Yup thats the main problem with politicians. They all get their $100 000 salary with full benefits and make millions from various bribes and ''investments''... their families members get half a million a year jobs doing nothing but somehow this isnt considered bribes because reasons.

The longer in congress they stay, the more corrupt they become and the less farks they give.Congressfolks and senators should be forced to live like the poorest in the country to see how farking bad it is so they would improve stuff for real. Make Yertle live in a 2 rooms apartment with his wife with paper thin walls and give him only mac & cheese to eat 7 days a week and you'll see how farking fast the minimum salary goes up.


Don't forget their spending accounts and campaign funds.

What's the first thing a politician does once elected? They start planning their reelection campaign.
 
2021-08-01 4:17:03 PM  

zeaper12: Fara Clark: bluejeansonfire: Fonaibung: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

America is largely controlled by a minority (Republicans) who answer to a vanishingly small donor class of people. It's a failed state.

America is controlled by the people who control both political parties: the wealthy.

Stop this farce of presenting Republicans vs Democrats as "good versus evil," because that's not remotely true.

It's "Aggressive Lapdogs of the Wealthy vs Polite and Cowardly Lapdogs of the Wealthy"

The more people wake up to this reality the sooner things will change. The two party system in American politics really needs to end. For that to happen means legislation. They ain't gonna let that happen.

Legislation? Seems to me a two party system would break if another party got support (money).  After all the voters decide who is elected and sadly advertising money has a big hand in this.

Problem that in the past one of the two parties just absorbs any other party, like what happened to the bible thumpers (Republican absorption) or the tree huggers (Democratic absorption).


See what it takes to get candidates on a ballot. If you aren't one of the two parties, the obstacles are not easily surmounted. BLM , nor the Teaparty will be allowed to siphon off voters, or that sweet sweet campaign contribution money.
 
2021-08-01 4:34:32 PM  

4seasons85!: Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.
Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.
I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.
I can do this because I have a reliable paycheck and the price doesn't change. YMMV.
Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.
If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.
Yeah it's a 3.5%(?) processing fee which with m ...


Because I despise these kinds of conversations, I always remember that it was the well-off that made all this happen. If some money-minded parties weren't always so interested in gouging others, we wouldn't even have stuff like ATMs and credit lines and multiple levels of loans, and we wouldn't have a bunch of people who are always trapped by somebody taking a cut out of their money, so that third parties can take another cut, and then somebody else can take another cut, for your convenience, and before you know, it, everybody on earth is getting fed except you--you lost your little house.

But it wasn't people like me who did this. I don't know a thing about it. I don't even use credit unless I have to. I don't know about farking stocks, or how to roll over funds, or how to buy three houses and pay them all off by renting them out for AirBnbs. I'm not interested in gouging people to get more than my share, or improving my credit score, or finding a loophole so that I can get rich quick.

You know who knows about these things? Farkers. The loving libs who want the best for everyone, but especially for themselves. they know all about mortgage rates, and how to make your 401K produce, and how to flip that house, and how to play with their taxes so that they get to take a lot, but pay not so much for it. They know how to suck money out of the system to benefit themselves, and not pay for it.
They WANTED all this shiat--all the credit, and all the weaselwords, and all the games, and all the rush, of being little kings, while still running their personal lives like Donald Trump. So now we ALL can take advantage of all the things that the wonderful businesspeople put into our lives, whether we wanted it or not.
Somebody wanted it though, and it looked a lot like well-off, educated, snooty first-world posers. It's not even a thing if you're poor. Not if you're smart.
Sounds like a personal problem.
 
2021-08-01 4:43:26 PM  

4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.


The main point you should be making is that you have a rental agreement which is an enforceable contract and that all it mentions is that there is a rental payment that you are to obligated to make and all you need to know is where to send it.  There is nothing in the rental agreement about any fees.  In fact, I'm fairly certain the rental agreement has language specifically detailing how and where you are to make payment.  Every one of mine did and it is there to prevent scummy renters from claiming they didn't know where to pay.

Dig out the rental agreement and follow what it says to the letter.  Bam! Done.
 
2021-08-01 4:59:48 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


Hope you got your guns, this is gonna get bad. Parents with children get quite unpredictable when they get kicked in the street.
 
2021-08-01 5:51:12 PM  

Barbecue Bob: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Pay the fifty in loose pennies.


external-preview.redd.itView Full Size
 
2021-08-01 6:03:08 PM  
So when can we get Ticked off Vic on the ballot? Makes more sense than 98% of politicians.
Fark user imageView Full Size
 
2021-08-01 6:31:16 PM  
My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday. All the doom, gloom and sky-is-falling talk just doesn't have to be true. Best of luck to you all.
 
2021-08-01 7:06:56 PM  
It's not a bug.
 
2021-08-01 7:30:48 PM  

4seasons85!: I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.


Any bank nowadays will issue a check, through a third party, on a schedule if the payee isn't a customer of the payor's bank/credit union.  Check out your bank's/credit union's bill auto-payment capabilities online.
 
2021-08-01 7:40:12 PM  

Abe Vigoda's Ghost: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

I'm thinking UFIA is probably more likely.


Utah Food Industry Association?
 
2021-08-01 7:41:36 PM  

dbaggins: you know, I've heard this for fifteen years now, and yet I don't see these people getting kicked to the curb and receiving their moral comeuppance for living wildly beyond their means.  I worked to pay off my debts while they get new cars and play on jet skis on the lake.   When does this reckoning actually happen?   Do they get bailouts or something?


I know some people like this.  They go through boom and bust cycles.  It's an absolutely insane way to live. Though they regularly fall hard, they never quite hit bottom. They seem to get back on their feet.  They variously have their kids living with them or they'll be living with their kids, depending on who has fallen on harder times.  It's like a wildly irresponsible social safety net.  Honestly, I don't know how they live that way or what they did before they had adult children.

Though if you want that jet ski, just be around near the start of a bust.  You'll be able to grab it for a song.
 
2021-08-01 7:43:32 PM  

bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.


5% of the people in this country are not getting kicked out of their homes tomorrow.
 
2021-08-01 7:49:06 PM  

auntedrie: Peki: We're going to have an unhoused crisis the likes of which this country has never seen.

No, The County of Los Angeles just made being homeless illegal.


Throw them in jail, then

Problem solved
 
2021-08-01 8:10:44 PM  

4seasons85!: Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.

I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.

I can do this because I have a reliable paycheck and the price doesn't change. YMMV.

Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.

If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.

Yeah it's a 3.5%(?) processing fee which with my dumb high rent equals a little over $50.


Is it the landlord or the company that the landlord is contracting payment handling to?

Lots of rental companies have switched to payment handling companies that charge the renter a fee to process the payment.
 
2021-08-01 8:13:45 PM  
I've been keeping up on my mortgage, am I to worry?

might need to re-negotiate after the crash though, missed my chance in 2010
 
2021-08-01 8:18:15 PM  

Ragin' Asian: UBI would be a nice first step to partially allay hardship.


Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.
 
2021-08-01 8:38:09 PM  

bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.


Inflation now has nothing to do with covid money
 
2021-08-01 8:42:10 PM  

Conservative Evangelical Millennial Cyclist: WalkingSedgwick: Nice government you've got there when legislators going on vacation to enjoy their donors' money is more important than doing anything about this.

Kenny Powers agrees
[Fark user image image 425x425]


I am amazed at the ability of this man to repulse me as much as he does. Like an empathy void, you can' t think of a single nice thing to say even if it's by accident, like his wardrobe. Even his clothes look like they don't want to be on him, theyre so repulsed.
 
2021-08-01 8:42:48 PM  

lolmao500: Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.

Good for you boomer


Well...THANK YOU! and yes...Im a Boomer
/Also owned a mint condition 1959 Chevy Impala convertible that I only paid $1800 cash for...no payments
// Paid $78,000 for my house...now valued over $500,000
///Got grandfathered into electrician and plumbers licenses without having to sit in classrooms and take tests.
///Get to retire with a FULL, grandfathered pension and my 401k...will be set for life making more (125% more)  in retirement than working. Feel really bad for those young millennials hired after 2001 that got shut off from the goodies I get.
 
2021-08-01 8:43:21 PM  

Avigdore: My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday.


Privilege-like typing detected.  Most 20-year olds haven't even graduated college or trade school, so there's no way they could have enough money[0] to buy real estate unless their parents are rich and essentially bought the real estate for them.  Furrfu, when I bought this condo right before the 2008 real estate crash, my parents gave me $2000 to put towards the down payment, and I thought I was lucky to get that.

$DIETY willing, I will be able to pay off the mortgage on this condo in the next 30 days.  I do not think most people are able to do that, and I'm probably luckier than average in some ways.  (I think it's like when I was starting this life, I got a dialog box that said, "Your love life will be difficult and annoying.  Your finances will be better than average.  Accept?  (Y/N)" and I said Y.)

[0] There are a few under-20 people who earn lots of money by acting, having popular youtube videos, or singing.  This is not a common or normal thing.
 
2021-08-01 8:48:20 PM  

Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money


When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.
 
2021-08-01 8:49:13 PM  

Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money


https://www.longtermtrends.net/m2-mon​e​y-supply-vs-inflation/
 
2021-08-01 8:50:51 PM  

Eightballjacket: bluejeansonfire: 17 million.

There are 17 MILLION people in rented homes that might be homeless as soon as tomorrow.

Does anybody truly grasp how many people that is??

And Congress and Biden just..... let it happen. Cori Bush and progressives slept on the Capitol steps over the weekend to try to get people to care. And Democrats decided to use a unanimous decision vote instead of a simple majority vote to address it?? Goddammit.

And don't give me any bullsh*t about the "rules" or how it "has to be through Congress" or some bullsh*t, when Trump showed us that breaking all the rules and doing whatever you want gets you whatever you want.

When 17 million people are about to be homeless, starving, and dying (DURING A PANDEMIC), and you say that you can't help them because of the "rules," you are a monster. Full stop. You care more about being patted on the head for being a good and obedient soldier for following the rules than you do about people being robbed by the already-rich.

F*ck this country. F*ck anyone and everyone who was in a position of power to help but decided not to.

5% of the people in this country are not getting kicked out of their homes tomorrow.


Me being one of them. Own my house free and clear. No mortgage for me anymore!! Just taxes, insurance and utilities...which I can manage no problem.
 
2021-08-01 8:51:41 PM  
For the persons truly in grave situations financially I feel really bad and if I had the cash Id help them out myself. Those like the deadbeat in my rental house that chose not to work so they could draw on the state and federal unemployment and blew their stimulus checks on trips to the beach nattie lite and menthols.....Well I hope you find a warm box somewhere. These people made more than double their usual wages with all the checks they were getting but used the moratorium to get a free ride. Dont take in nearly a grand a week in money while you sit on your ass and buy a new ATV and a nice fishing boat but refuse to pay rent because "sucks to be you they said I dont have to pay". These people were always able to pay and on time on less than half the money they were getting during during all the welfare rolled out to them during pandemic. And they were shocked I wanted them out..... If the ones with a mortgage that did this too and lose their homes. Well to repeat what I was told "well sucks to be you" I was making mortgage payments on my rental home. Where was the check for me? I didnt get one. Ive always been a sucker for a sad story and let people slide so many times before it isnt even funny. But these people. I looked forward to it.

Dont pay your bills when you are capable because of some bullshiat moratorium  and youll get ZERO sympathy from me. Dont pay your bills because you were truly put in a bad way because of all this craziness and not only do I sympathize with you but I have tried to help those I know when I could.
 
2021-08-01 8:52:57 PM  

4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.


There a way too many options to pay nowadays for any commercial entity to be so inflexible as to not only offer just one payment option but a costly one at that. And they wont take your calls on weekends? You should definitely be clear about your insatisfaction with them.
 
2021-08-01 8:56:17 PM  

Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.


I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.
 
2021-08-01 8:57:18 PM  

hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?


That's some 3 card monte shiat right there
 
2021-08-01 8:58:03 PM  

Peki: Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.

I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.


That's not how the banking system works. But to be fair, I suspect a lot of it is just circulating around wall street.
 
2021-08-01 9:00:30 PM  

valenumr: Peki: Benjimin_Dover: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

When you pump eleventeen trillion new never before existed dollars into the economy, every dollar ends up being worth less. That's how it works.

I wanna see the work where most of this is going into hands of consumers and not into the pockets of the already wealthy.

That's not how the banking system works. But to be fair, I suspect a lot of it is just circulating around wall street.


And supply and demand isn't actually how prices work, but who's keeping track...
 
2021-08-01 9:05:08 PM  

danceswithcrows: Avigdore: My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday.

Privilege-like typing detected.  Most 20-year olds haven't even graduated college or trade school, so there's no way they could have enough money[0] to buy real estate unless their parents are rich and essentially bought the real estate for them.  Furrfu, when I bought this condo right before the 2008 real estate crash, my parents gave me $2000 to put towards the down payment, and I thought I was lucky to get that.

$DIETY willing, I will be able to pay off the mortgage on this condo in the next 30 days.  I do not think most people are able to do that, and I'm probably luckier than average in some ways.  (I think it's like when I was starting this life, I got a dialog box that said, "Your love life will be difficult and annoying.  Your finances will be better than average.  Accept?  (Y/N)" and I said Y.)

[0] There are a few under-20 people who earn lots of money by acting, having popular youtube videos, or singing.  This is not a common or normal thing.


My son started working in the trades right after high school. No college debt...makes over 6 figures a year, single, no broad, no crotchfruits. everything paid for and 80 Grand just chillin in the bank, which is growing, along with stock investments. At age 26, he's just waiting for the Big Crash to inevitibly happen, then he will buy good real estate at forclosure prices. Hes got excellent wheeler/ dealer/ people negotiator skills so he's no dummy. One thing I was after him on...and that was in the beginning he would fall behind on cashing his paychecks because he just didnt need that money at the time...but he deposits them on time now. Hes quite the worker and hustler.
 
2021-08-01 9:06:31 PM  

valenumr: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

https://www.longtermtrends.net/m2-mone​y-supply-vs-inflation/


Is that supposed to disprove my comment somehow?
 
2021-08-01 9:10:05 PM  

Giantilio: hervatski: I thought most people won't be hit by foreclosures due to the gov mandating that balances be added to the back end of the loan?

We had to do the forbearance. My wife and I were hit hard (workwise) from the pandemic. We are in a much better place now and will be back sending out the mortgage payment each month. Of course... my wife received a nice phonecall Friday by the company declaring "an attempt to collect a debt" in the full amount of what we didn't pay during that time. Needless to say, she handed the phone to me before the panic attack kicked in. Turns out that our "situation" has to be "reviewed" before our options (if any, besides pay up) are made available. We have an FHA mortgage. Always paid on time for the previous 10 years we've been in the house, never missed a payment, or been in forbearance before. We were told repeatedly that the missing payments would be put into a 0 interest loan payable at the end of the mortgage. Hoping for the best here. Don't need this worry.


I really hope it works out. Those are extremely unpleasant calls to get.
 
2021-08-01 9:15:34 PM  

Peki: WalkingSedgwick: Peki: Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/

California's homelessness crisis is entirely made in California. It's not mental illness or addiction, it's the deliberate under-construction of housing units in order to gift existing property owners with ever rising property values.

Yup. I'm aware. I've been looking for housing since December but can't find a place because a) I didn't work during the pandemic so I can't provide three month's of paycheck stubs and b) becoming unhoused made me lose track of all my documents (case worker wants my social security card, presumably to prevent accusations that "illegal immigrants" are getting services).

This state, for all that it's billed as progressive, is mean AF to its underclass. The other fun one was trying to get support for domestic violence, only to be told I don't qualify because the assaulter was my uncle instead of an intimate partner.


It breaks my heart to read something like this. I hope things get better for you.
 
2021-08-01 9:24:00 PM  

Leader O'Cola: valenumr: Leader O'Cola: bobbyjoebobby: Ragin' Asian: UBI would be a nice first step to partially allay hardship.

Look at the inflation we have now with just the covid money. UBI will cause massive inflationary pressure.

Inflation now has nothing to do with covid money

https://www.longtermtrends.net/m2-mone​y-supply-vs-inflation/

Is that supposed to disprove my comment somehow?


Yes.
 
2021-08-01 9:30:19 PM  

frankb00th: Peki: WalkingSedgwick: Peki: Good luck getting renters once this is all over. As it is no one in Los Angeles will rent to some one who can't prove three months income. We're going to have an unhoused crisis the likes of which this country has never seen. And that includes kids. :/

California's homelessness crisis is entirely made in California. It's not mental illness or addiction, it's the deliberate under-construction of housing units in order to gift existing property owners with ever rising property values.

Yup. I'm aware. I've been looking for housing since December but can't find a place because a) I didn't work during the pandemic so I can't provide three month's of paycheck stubs and b) becoming unhoused made me lose track of all my documents (case worker wants my social security card, presumably to prevent accusations that "illegal immigrants" are getting services).

This state, for all that it's billed as progressive, is mean AF to its underclass. The other fun one was trying to get support for domestic violence, only to be told I don't qualify because the assaulter was my uncle instead of an intimate partner.

It breaks my heart to read something like this. I hope things get better for you.


I'll let you know in a few days. May have a job, so going the hotel route for awhile, but at least I'd be out of my car and have some place to stay cool. Thanks for the encouragement.
 
2021-08-01 9:54:58 PM  

Frizbone: My son started working in the trades right after high school. No college debt...makes over 6 figures a year


Um... which trade is this?  Underwater welding?  IIRC, the vast majority of the trades don't pay quite that well.  Entry level trade positions in the 2020s are often ~= $40K/year.  Experienced people get more than that, natch, but I thought you had to be a master electrician or master plumber or master welder with >= 10 years experience to get $100K/year.  (Furrfu, I'm an experienced penguin herder who's seen almost all of the things, and I'm not getting $100K/year.)

[He's] quite the worker and hustler.

Not everyone is like that.  Most people regress towards the mean and/or make bad decisions.
 
2021-08-01 10:06:10 PM  

4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.


send them $50 in ass-pennies so we can read about you on Fark.
 
2021-08-01 10:08:48 PM  

Barbecue Bob: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Pay the fifty in loose pennies.


I should scroll down before commenting
 
2021-08-01 10:17:04 PM  

frankb00th: 4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.

There a way too many options to pay nowadays for any commercial entity to be so inflexible as to not only offer just one payment option but a costly one at that. And they wont take your calls on weekends? You should definitely be clear about your insatisfaction with them.


Yeah I am speaking to them tomorrow.  I already left an angry voicemail.  I can't be the only one pissed. Hopefully it's an easy fix and just a glitch with the new system. But I'm still going to ask for a refund of the $50, especially if it was a glitch.
 
2021-08-01 10:24:40 PM  

4seasons85!: frankb00th: 4seasons85!: farkmedown: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.

Back to paper checks?

There was no notice given about changes to rent payment. They didn't mention any fees. There was no option stated for using checks. So I wouldn't even know where to give it if I had a check. It was literally just a sudden thing. They got a chewing out via voicemail and I am talking to them first thing tomorrow.

There a way too many options to pay nowadays for any commercial entity to be so inflexible as to not only offer just one payment option but a costly one at that. And they wont take your calls on weekends? You should definitely be clear about your insatisfaction with them.

Yeah I am speaking to them tomorrow.  I already left an angry voicemail.  I can't be the only one pissed. Hopefully it's an easy fix and just a glitch with the new system. But I'm still going to ask for a refund of the $50, especially if it was a glitch.


Adding a $50 fee that "they say" cannot be gotten around is the same thing as raising the rent by $50 and is in violation of the rental agreement.  After you find out where to pay by reading your agreement, you count that $50 against next the month rent and let them know it and cite the rental agreement.
 
2021-08-02 4:15:56 AM  

Frizbone: HaHa! My house has been PAID OFF for 14 years now...and its resale value really took off!! I never lost work through the plandemic either...in fact, I got 20% bonus "covid" pay. My 401K took off and Im in Fat City now. Also no credit card debt either. Im sitting pretty now. Financially, Im doing very good. Going to retire in a little more than 4 years. Feel really, really bad for you saps hurt by the Commie Cold...but I like being able to sit on ny front porch of my paid for house, drink beer, fart and think about all those saps all depressed wondering how they will survive. It really sucks to be them....or you if youre affected by it.


Yes, it's true.  Those that had significant stock market and real estate investments benefitted from Trump's 6+ trillion dollar infusions of cash into the stock market via the Treasury.  At one point, he was dumping 200 billion dollars into donor holdings every night after trading halted.  Every American has hundreds of thousands of dollars tax liability because of it.  Democrats knew and said nothing of consequence in objection.

Once you know that, it's easy to understand why billionaires fund antimasking efforts--they're addicted to wealth, and there's never been a more effective way to make money then to loot the Treasury.  If they have to kill their countrymen, so be it.  I assure you they have nothing but contempt for the common man.
 
2021-08-02 8:32:28 AM  

danceswithcrows: Avigdore: My 20 year old son signed the paperwork to buy his first house in Hampton Roads on Friday.

Privilege-like typing detected.  Most 20-year olds haven't even graduated college or trade school, so there's no way they could have enough money[0] to buy real estate unless their parents are rich and essentially bought the real estate for them.  Furrfu, when I bought this condo right before the 2008 real estate crash, my parents gave me $2000 to put towards the down payment, and I thought I was lucky to get that.

$DIETY willing, I will be able to pay off the mortgage on this condo in the next 30 days.  I do not think most people are able to do that, and I'm probably luckier than average in some ways.  (I think it's like when I was starting this life, I got a dialog box that said, "Your love life will be difficult and annoying.  Your finances will be better than average.  Accept?  (Y/N)" and I said Y.)

[0] There are a few under-20 people who earn lots of money by acting, having popular youtube videos, or singing.  This is not a common or normal thing.


No money from family. Simply the savings he's managed to accrue since he began working at 16 (Waffle House then Walmart). He's in  an apprenticeship program now that provides enough income to manage his bills while maintaining savings. No privilege other than being born in America.
 
2021-08-02 7:50:48 PM  

cryinoutloud: 4seasons85!: Fara Clark: 4seasons85!: thealgorerhythm: 4seasons85!: My fun surprise this morning paying rent was discovering a charge to pay with debit card. We were just bought out by another company less than five days ago. My previous company either charged us $5 to use the card or nothing if signed up for automatically withdrawal. The new company didn't mention any changes to the rent system. Today to pay my rent, with no other option to pay by check, I had to pay an additional $50 to use the online services. So basically it's going to cost me an additional $50 dollars every month to pay rent. The level of greed with rent and houses right now is insane.
Are you capable of paying your rent with money? Serious question, because my suggestion sounds dickish if you can't.
I just have a recurring electronic payment sent from my bank on a monthly basis 10 days before it's due. It's a free service of my bank because it's cheaper to them than processing checks.
I can do this because I have a reliable paycheck and the price doesn't change. YMMV.
Yes I am fortunate that I can afford to pay every month.  My account previously had automatic withdrawal set up through the apartment portal. There was no charge. So it went directly through my bank account.  This new system requires a card (which is possible they aren't fully set up yet since it's a new system) and there's no option to pay direct from my bank account.  I looked into the automatic payment setup and it uses the card and therefore also has a fee. I've never had to set up with my bank, the company would just take it from my account so long as they had my account and routing number. There is no option here for that.
If I remember correctly, when you use a CC, the merchant pays the processing fees. When you use a debt card, your bank (you) pay the transaction fee. But neither of those fees are $50, even when they are a % of the transaction they generally capped at a max amount.
Yeah it's a 3.5%(?) processing fee which with m ...

Because I despise these kinds of conversations, I always remember that it was the well-off that made all this happen. If some money-minded parties weren't always so interested in gouging others, we wouldn't even have stuff like ATMs and credit lines and multiple levels of loans, and we wouldn't have a bunch of people who are always trapped by somebody taking a cut out of their money, so that third parties can take another cut, and then somebody else can take another cut, for your convenience, and before you know, it, everybody on earth is getting fed except you--you lost your little house.

But it wasn't people like me who did this. I don't know a thing about it. I don't even use credit unless I have to. I don't know about farking stocks, or how to roll over funds, or how to buy three houses and pay them all off by renting them out for AirBnbs. I'm not interested in gouging people to get more than my share, or improving my credit score, or finding a loophole so that I can get rich quick.

You know who knows about these things? Farkers. The loving libs who want the best for everyone, but especially for themselves. they know all about mortgage rates, and how to make your 401K produce, and how to flip that house, and how to play with their taxes so that they get to take a lot, but pay not so much for it. They know how to suck money out of the system to benefit themselves, and not pay for it.
They WANTED all this shiat--all the credit, and all the weaselwords, and all the games, and all the rush, of being little kings, while still running their personal lives like Donald Trump. So now we ALL can take advantage of all the things that the wonderful businesspeople put into our lives, whether we wanted it or not.
Somebody wanted it though, and it looked a lot like well-off, educated, snooty first-world posers. It's not even a thing if you're poor. Not if you're smart.
Sounds like a personal problem.


Sing it brother!
 
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