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And I did read the question...which was not about 18 year olds getting kicked out of the house. A couple references to "young people," further on, but not the point of the post.
You are ignoring the point - which is, where are 18 and 19 year olds supposed to live?
Recently I escaped student loan hell and am on income-based repayment which affords me a ZERO monthly payment until my income exceeds 150% of federal poverty guidelines. i.e. I am making no payment but nobody is going to garnish my paycheck.
I have two 15-year-old judgments which I could have BK'd away but chose not to. If I had done that they wouldn't even be on my credit report today. I guess you'd rather rent to someone who walked away from their debt than someone who didn't.
why wouldn't some people rent to someone that has filed a chapter 7 and has been discharged. we know that they can't file again for another 8 years. now that being said. if you don't pay me or destroy my property I can go after you and get what's rightfully owed to me even if I have to go to court and get a judgment and garnish your wages I will still get paid!!! sure you can file a chapter 13 but that costs more and it's a repayment plan so I would still get paid either way!! why do you think that people that file a chapter 7 are getting CC offers right after there filing. they have no debt to ratio and the banks and CC companies know that they can't file for another 8 years!!
Last edited by ground_pounder; 03-20-2016 at 03:34 PM..
You are ignoring the point - which is, where are 18 and 19 year olds supposed to live?
Well...you get a cheap crappy apartment and several roommates. Then you realize this isn't the way you want to live the rest of your life and you do something to improve your lot in life. Then you get a little nicer apartment and fewer roommates, and so on and so on.
How is an 18 or 19 year old supposed to rent an apartment then? You have to be at least 18 to get ANYTHING requiring a binding legal contract, credit included. Parents are not required to co-sign anything - and you want to hold that against the prospective tenant?
If you recognize the need for young adults to launch, then you should recognize the need for a "launching pad"...
If 18 year olds need to launch, it is the responsibility of their own parents to help them launch. It's not my job to launch youngsters that I don't even know when even their own parents won't help them.
If 18 year olds need to launch, it is the responsibility of their own parents to help them launch. It's not my job to launch youngsters that I don't even know when even their own parents won't help them.
You are ignoring the point - which is, where are 18 and 19 year olds supposed to live?
and the ending wasn't to great when the LL did rent to a few 18 and 19 YR olds
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. we know that they can't file again for another 8 years. now that being said. if you don't pay me or destroy my property I can go after you and get what's rightfully owed to me even if I have to go to court and get a judgment and garnish your wages I will still get paid!!! sure you can file a chapter 13 but that costs more and it's a repayment plan so I would still get paid either way!! why do you think that people that file a chapter 7 are getting CC offers right after there filing. they have no debt to ratio and the banks and CC companies know that they can't file for another 8 years!!
