Couple Almost Homeless From Mortguage - Til Debt Do Us Part - Mortgage Meltdown 

THIS is it right here. THIS.

Big time & I bet she’s not the only women he has scammed into paying off his messes. He’s a leech/sociopath.

Couldn’t be more correct from you!

Say it louder for the people in the back!!!

These TODDLERS are popping up more & more. Shameful

Riiiiight omg! Let's just sell and rent, Um okay! 🤣🏃‍♀️🏃‍♀️

😭

Both are just as bad

For real!! I was married to a man like this.. I ran when I realized he and his family were going to run my finances into the ground.

Ikr?

Say it louder for the people in the Back!!!

Isn't that why we are all here

😂😂😂😂

Me too

They're always a first time.

That is what happens when you park everywhere they charge for parking and not paying for it... Better to use the "lackluster" public transportation in those areas to prevent putting your car in those places even worse if you get towed...

Right

LOL

If you put a period after the 4 instead of a comma it looks like you meant just $4 haha

John F. Kennedy Jr., could only work as a Lawyer in The Public Defender's Office after paying 4000.00 in Parking Fees. He's not as bad as his cousins but Dear God, this is ridiculous. The biggest mistake they made is that they probably didn't go for Pre Marital Counselling. If you don't talk about your Financial Past and then you repeat your mistakes, it will get worse before it gets better.

Should've asked her boss for more hours ..not quit

Especially when she could have looked for another while she had one! Like no shame for leaving a shitty stressful job but you gotta get your ducks in line before you blow it lol

Yeah you don't just quit your job if you aren't in a super secure position.

Not insane, just a typical married woman. “Why should I have to work?!? My husband is just lazy!”

@@wyganter 😂😂😂 someone’s looking toasty

"There's no money for recreation "...Dude, you spent enough on that for a while.

I agree

They're not even married. I can't believe she took on his debt! Crazy

Sexually transmitted debt if they're marriage dissolves he will be debt free and she'll have the change

@@destinybabb9862 Said Stevie Wonder. Lol.

And they aren't even married yet, from what I can tell.

He is like a child

You are exactly right. I mean, who would just quit their job without even having another one lined up, then hypocritically nag their spouse about how irresponsible they are? Oh wait, that was her.

​@@drewconway7135 Yup. Well said.

IDK yet haven't gotten that far

And you think she’s a prize to be won? She quit her job on a whim because it didn’t make her happy. Boo-fugging-hoo, I say. She is hardly the paragon of responsibility

@@drewconway7135 If you read Karen's comment, she said "she can do bad all by herself".

I think this is one of the episodes where Gail managed to get through to both of the husband and the wife.

Are they married? I got a little nervous when she said they wanted her home to be in both their names. WHY??? She has enough financial problems without adding his.

@@nursingnotes212 Not married. Don't do this crap if not married.

That was a bit far fetched lol 😂

Absolutely true.

@@taneshabland8686 trust me is not. If a person has no problem cheating themselves, they won't have a problem cheating others.

I agree..

Bingo

Same girl same :( it took me a little longer than that even. Good riddance to bad rubbish though.

And she is not even married! I swear, women have to be smarter when chosing men!

The reason why I’m not in a rush to get married

Damn did he gamble your life away, a decade to get back to normal?

@@bobby_digital9493 7 plus years for your credit to reset basically to zero. Then at least a couple of years to build up a new credit history and decent score.

I do. I have developed alot of Self Control since Covid. I buy what I need not what I want.

me too, every time i see these video it makes me feel so much better about my situation, and it not that bad like them

Yes! When I was younger I watched the Prince$$ series and it had me really look at my “successful” peers snd wonder what they had going on behind closed doors. Comparing yourself to others is not good if you don’t know the full story. I stopped feeling behind real quick.

​@@love2000amglamYou got that right! My Cousins would "brag" about what they have but in reality it's all a show. One loves to live The "Bougie" Life. I try to tell him what a dangerous world it is, but he won't listen. After seeing Paris Is Burning (1987), as well as The Movie Party Monster about Michael Alig, then Paul from Six Degrees Of Separation, as well as Anna Delvey/Sorokin and Andrew Cunanan, I am perfectly happy being a working josephine.

Same! I did it for 3.5 yrs before I finally figured it out. It took about 2 yrs to re-establish the amazing credit score I had before him

She was doing just fine. She got a mortgage on her own and paid it just fine. The problem was he came in with debt and that got tacked in the mortgage. I don’t know why everyone things she is the irresponsible one.

What a great lesson your kids are learning. Get a sugar momma to pay the bills. You taught them that

@@karlabritfeld7104 i dont think making a mistake at 22 vs where i am today in my 40s should be shamed. Ive changed my narrative FOR my kids. So ive taught them quite the opposite, thanks

Watching this to remind me why I don’t want to remarry.

Exactly. Drop cable and get DVD’s out of the library for FREE! Check out books for free and read for entertainment. It’s amazing what you can find in your area to entertain yourselves for free & & start with your local library. My husband and I did this for years when we were paying off student loans. We only went to the movies when a dollar theater opened up near us. We ate all of our meals at home and never went out to dinner. This guy is like a clueless teenager.

She needs to get at least one first. He's irresponsible as shit, but they knew from the beginning they'd both have to work.

at the pub obviously

if their Clothing Budget = 0 and they run around naked, then their "Entertainment Budget" can comfortably = 0 too.

I can’t believe how keyed in on entertainment he is. When I was broke I went without cable and checked out videos from the library ($0). I went for walks ($0). Played music and danced ($0). Time for Mr. Entertainment to grow up a bit.

yikes

When I met my wife we didn't have any debt, just both broke haha

@@ImVeryBrad lol

That was 14 years ago. Far from broke now

I know people who've screened partners financials...And if you were serious about being committed...that would be practical and not insulting--self respect!

He’s covering her expenses for a while since she absorbed his debt with her house. 😂

I was thinking of quitting my job...then I watched this video 😂

No kidding!!

I'm willing to bet she quit because she couldn't handle the stress at work because of ho much the stress at home was weighing her down. You can only handle so much before you snap and it's easier to dump a job than your life.

@@42ayla She needs to dump him, not the job. He'll put her in this situation over and over again.

Really though! Like dude face reality! Your entertainment is going to be going to the park and watching movies on the internet for a while, get over it!

Right! I cringed so hard!🤦🏾‍♀️🤦🏾‍♀️🤦🏾‍♀️

I dont have cable and have zero debt minus the house

@Obsidian doesn't change that he's a man child

Righttttttt

But it was too stressful........

I was waiting for her to say, I can't handle the job and my seventeen children... What a disaster!

Makes sense to me???

Bankruptcy is her goal.

He would be sleeping on a bench outside without her.

Exactly. Its not changing the behavior. They will be right back in the same position.

She’s irresponsible too though, Who randomly quit their job when they’re struggling so much financially that’s crazy

I wonder what the house is worth now

A lot if they were able to hang into it.

My thoughts exactly. However, he may have hid that information.

Marvin Gaye did the same thing (1939-1984) and Uncle Sam gave him a kick @ss lesson. They took away his Hollywood Hills Home and then his Recording Studio and his Song Catalogue which meant he didn't get paid in terms of Songwriting royalties. He asked Smokey Robinson for a $5000.00 and he was refused. Even though his Family got Money from The Blurred Lines/Got To Give It Up Debacle, it was a blessing because when he died he owed Nine Million to the IRS. As for The Tax Issue, folks are very evasive. I've known folks who didn't do their Taxes and when they don't get a GST or HST Check they get "angry".

@@laminage You’re in Canada.

Could he go to Jail for that. In America 🇺🇸 they might have arrested 😳 him.

@@Landis_Grant Yes how 🤔 did you know?

@TheMrDudiness Exactly!!

🤣

I always wanted to see a update who s made it who divorced i would love a update maybe if we cry loud enough maybe they will hear us.

He gets his debt paid if they sell a house he has no financial or emotional investment in. She's right - if they sell the house, he will run up the debt again. I don't trust him. However, she should never have quit her job.

Now he is part owner of her house. Not good. Could be scumbaggery.

If she dumped him now, the debt is still hers. Well, theirs, but he never pays his debt so it’s hers.

Was his name on the mortgage.

Share the roof but not the clouds.

Homeless couples are so cute, though

This has to be scripted….ain’t no damn way!

No they don't

Depends on where you live. Some areas revoke your drivers license.

Its Canada we just send nagging letters lol

I noticed that too!

Canada

Well for starters this show is Canadian so it's the CRA not the IRS, different processes

the CRA tends to only periodically review taxes on citizens unless they discover you have a history of not filing. They probably hadn't reviewed him in that long and then when they found that he hadn't filed they started garnishing.

to not too

IRS also has the ability to garnish wages.

The IRS would not wait 12 years to garnish wages. They cleaned out my sister’s entire paycheck one time to prove a point when she missed monthly payments on her back taxes owed! She had not filed taxes for 3 years when they caught up to her. The IRS is terrifying! I assume the other government offices (traffic tickets, government backed student loans) were garnishing his wages. The same sister tried getting away with not paying back student loans and the federal government snatched that back out of her wages. 😅

To clear his debt.

She said she needed help to refinance the mortgage and him being on it allowed her to refinance

Kids are not the be all and end all of a relationship!

@@loosingit9355 she could have claimed that she had a “tenant” and the rent payment would have been added as part of her income. She could then also deduct home expenses when preparing her taxes. In this case she wouldn’t have to add his name to the mortgage.

@@eb9844 the rent might not have been enough of an income boost and it could well have been a change in her credit score which that wouldn't have helped.

Man you said it so right! It was so bonechilling.

🤣their a mess today!

​@@stumack9755how do you know?

But when you're in debt like they are you stay till you find another job

They’re white. Not even being prejudice but it’s true. Hubby and I are interracial married couple. I’m brown and he’s white. I have a 712 credit score, always been higher than him. When we started searching for a home back in 2015, I didn’t select my race on the application. Cool.. but when they needed identification, things changed. Suddenly I needed to pay my new car off my completely, only had it then at 5 months and pay only 375 monthly. That’s our only debt. Our DTI IS UNDER 28 percent, we make at least 102,999 together annually. So what’s up with that? I have an associate who have a credit score of 600, DTI ROUGHLY 40 percent, new BMW note 1000 a month, no down payment, she makes about 28,000 annually.. she got approved for a 400,000 home no contingencies on underwriting. She’s white, husband is too. He’s a contractor and makes way less than my husband.

@@J_WheelerDoll30 Not always true. I’m white, but my good friend is black, from Tanzania. She bought a brand new car $35,000 on a $25,000 yearly income. Got a superb interest rate too. Although I told her at the time, it was too much car for her income. But the car dealership/bank let her have that loan. She’s since sold that car and bought something cheaper, allowing her to buy a home, also on a great interest rate. She’s single and black 🤷🏼‍♀️

@@cjhoward409 I didn’t say it was always true. My experiences and background compared to my non brown associates, 90 percent of the would get approved for more things and didn’t have to supply much information when needing a loan etc. I work very hard, balance my credit utilization and money pretty well. My husband is only lower than me because he doesn’t believe in credit cards, he’s makes very well in his career, payed off his student loan debt within the first two years of us dating. We’ve been married for 5 years now (together for almost 12) and have no debt but our 2021 Corolla. I like luxury but my husband keeps me in check far as reminding me of our limits.. when it comes to cars etc. I thank him so much for being financially literate and frugal. I also believe in the location of where you live. The demographics here are totally different. The Caucasians here are almost the minority now. They’re more migrants/immigrants from Mexico and Puerto Rico living here now. People call it little Mexico now 😅

I'm sorry but this is simply not true... I'm on my third home now and I'm a contractor and work for some cash, the amount you qualify for always came down to how much you make and can prove, credit score just had to be above 650 I think. They ALWAYS want you to have 1 or 0 credit cards or lines of credit that is not used up at all, and 1 car payment at most. Fanny Mae and Freddy Mac ALWAYS come up with something. If they see you have plenty of down payment money but your debt to income will be very close they might ask you to pay a card or car off. Every house I've bought required me to pay off my credit card and get rid of any extras and cannot have more then 1 car payment that isn't so much $ it puts your debt to income In a bad spot.

@@cjhoward409 She’s not a Descendent of American Slaves. It’s true if you’re Black or Brown but not true for Black Africans that aren’t DOS. If her dad was named Jerome and her mother was named Lashay she’d be screwed. I know this because I’m a Black DOS. I make enough but my given name causes difficulties and my heritage.

too not to

Superb🥰🥰🥰

God Bless 🙌 you 👀

He doesn't look like he is using the workout equipment anyway.

That piano is worth a pretty penny too!

I think there’s a healthy area between those two mindsets lol

@@Followmybliss777 Mental health is not my main concern when physical survival will soon be an issue for all of us.

He was depending on his wife to constantly bail him out.

This man will never be homeless. He knows how to tie himself to someone with a home and income. He got her to tie his debts to her primary asset, her house! I get the impression he would couch surf or move in with family members if they lost the house.

Yep! I agree with people in the comments, she was trying to prove a point to her bf. I felt like quitting when my ex backed me into a financial corner too but I stayed strong and kicked him out instead.

AMEN!

Not for long when they're in it. It will look like the house soon.

Looks like a greasy horror show inside

Imagine how much primer they would have had to buy to cover the red though 😮😂

You don’t like the bordello ambiance?

@@jordandowland7256 😂

I like red. Have alot of it in my home.

Exactly. You can't buy what the bank says you can afford. 30 years ago the bank said we could spend $400, 000. We spend $205,000 and did a ton of work on it ourselves. Paid off the mortgage in seven years, and never got into debt elsewhere.

Believe me, he's happier without you as well... A LOT happier. Lol!

I noticed those things too---you don't need all that stuff. I have a fridge, stove, microwave, knife set, and mixing bowls. And a service for 4 flatware set. That's all I need since I'm by myself. (Jan Griffiths).

In my experience, salespeople are SCUM.

From what I understood he was making 93k a year and she was making nothing and maybe minimum wage after getting that job. I think it was very dumb of her to add his debt to her house. However, without him in this scenario she would lose it anyway.

They still are...

@@243wayne1 That’s great that are available for viewing where you are at, mine only have the dramatic ones; nothing family friendly.

@@sarahjaynescott545 bit sexist

@@sarahjaynescott545 yeah and then in the likely event they get divorced his house becomes her her house 🤷🏻‍♂️

She quit her job hoping it would force her man to "step up" NOPE! He's still a loser and now youre REALLY broke

Served them right

fyi this episode is super old probably 2009 notice how the TVs in their home are old Tube Tvs back then 78k was pretty decent probably 120k adjusting for inflation today

Asian frugality.

Being frugal is like a game. How much you can NOT spend. During the recession I took it to a whole new level😆. I even rented my room out and moved into my van. I saved so much money I was able to pay my mortgage down and refinance based on room rental income. Now I just work part time, but still I cannot bring myself to pay for restaurants, movies, socializing, or travel. So it's hiking for fun and free second hand stuff. I'll throw a Thanksgiving and Xmas party for my housemate tenants but that's it ! I'll do the cooking.😆

I saw that too. Did you feel like running up on him and snatching out of his hand, lol.

Yeah, they REALLY can't afford to live there, but she can't face that. 🤷‍♀️

Right!!! I don't see what keeps her with him.

@@rachellebrown9830 whatever it is it's not serving her well.

same here

same here

They need to teach about budgeting and living within your means in school. Drives me crazy that credit card companies set up booths on university campuses to catch the freshmen😡

This show is older and I believe that design trend is more modern.

This show is 10-20 years old.. trends change

@@droid2D2C3P0 honey, white walls and neutral trim isn’t a “trend”. Its what someone with even a moderate amount of taste views as timeless, simple yet elegant. You let the furnishings do the work. While we’re at it, I’ll add… less is more. Its as true today as it ever was.

@@sneakerfreak2002 I'm not your honey, sweetie

@@droid2D2C3P0 lol