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Two Times 30, overwealmed in debt, business is slow. What do you do?

By Ronell Moore

Home Builder with 180 Degree Floors

February 25, 2010 02:46 AM

Ever run into a client who is up against the wall in everyway? Life has taken a change for the worst but they really are great people. You have know them for a while and ran into them and they where stressed and depressed. You ask them whats wrong and the drop a load on you. So heavy you begin to get depressed as well. Then you take his/her information and everything seems as if it can be fixed. They are over 100k in revolving debt and have lost one of there businesses. SCORES HAVE DROPED OVER 100 POINTS SINCE THE LAST TIME YOU SPOKE. By the grace of God you are able to get them approved. Taking the from the worst situation to a greatone. Here's the kicker, you go above and beyond. Bust your but. Get them and approved/elligiable. Then they want to think about it. What do you do? We are not Doctors, we cant treat depression. You don't want to push to hard. However you do undrstand, that approvals a time sensitive. Plus you have a solution that will fix thier problems.

Ronell D. Moore

One Stop Mortgage Group

615-482-1498

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Edward & Celia Maddox

The Celtic Connection Realty - Queen Creek, AZ

EXPERIENCE & INTEGRITY - WE TAKE THE HIGH ROAD

Unfortunately, a lot of Americans are in this difficult situtation right now. Just have to keep on keeping on.

Feb 25, 2010 02:56 AM

Tony Grego, 317-663-4173 #1 Trade Association for Alternative Inv

REISA - 317-663-4173 - Indianapolis, IN

Can't imagine what they want to think about. They should be camping in your office waiting for the CTC

Feb 25, 2010 03:14 AM

Tom Boos

Sine & Monaghan Realtors, Real Living - Grosse Pointe Farms, MI

Providing the very best of service to Sellers and

This sounds like a familiar scenario. Last Summer, I worked with a client who had bruised credit. I was able to convince him to speak with one of my preferred mortgage professionals to talk about what he could do to repair his credit so that he could qualify for financing. After just a few months, his scores had attained a level necessary for approval, but his home-buying motivation had diminished to the point where he decided to wait a bit longer before considering a purchase. Now he has resurfaced and wants to buy once again, but, you guessed it, his scores are no longer at a level where he can attain a mortgage approval. He really wants to get his hands on the "$8000 tax credit", but it ain't gonna happen because his latest credit problems will never be repaired before April 30th.

Feb 25, 2010 04:13 AM

Robert Machado

HomePointe Property Management, CRMC - Sacramento, CA

CPM MPM - Property Manager and Property Management

All you can do is present the options and then let them make the decisions. It is their deal, not yours. I say move on.

Feb 25, 2010 04:46 PM

Anonymous

Your right Robert, all I can do is lead them to the warter.

Feb 26, 2010 01:05 AM

Luis Madrid

CRE The Credit Restoration Experts - Plano, TX

Send them to CRE Credit Services. We will give them a free no obligation consultation, and let them know that there is hope. If it just low credit scores probably credit restoration. If a good deal of unsecured debt, probably debt settlement. We have great programs that help both those who need credit restoration and if they need debt settlement we work with the client to settle their debts then we we restore their credit so that they can get the home that they need. We help them set up a budget that they can live and gets them through debt settlement as quickly as possible.

If need more information on CRE Credit Services please contact me.

Luis R. Madrid

VP of Corporate Relations

CRE Credit Services, LLC

3401 Custer Rd., Suite 124

Plano, TX 75023

877/477-9321 X179 Office

214/679-8577 Cellular

888/218-4361 Toll Free FAX

luis@crecreditservices.com

Lrmadrid1@gmail.com

www.CRECreditServices.com

Mar 16, 2010 05:41 AM

Two Times 30, overwealmed in debt, business is slow. What do you do?

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