Funny how life will throw you a curve.

[jnevin]

Jesus orbs & orbettes. Not even a week ago I'm thinking about buying a house that I've been saving for years to get. I come to find out I had a tax lien from years ago that I had no clue about. It wiped out my savings. My attorney looked into it and there was nothing I could do, had to pay it, done yesterday. Fucking stung bad. News at work today: commissions are to be cut by 50%. I can work through that so I thought. It's bullshit but I can do it until I find something else. Not quite, they're also cutting our lead source. I'm so fucked it's ridiculous. I just got divorced, and already had to give half of my savings to her. Taxes just got rid of the other half. I just had two of the slowest months in my life at work from the divorce bullshit, and nothing to fall back on. I am so stressed it's ridiculous. I don't know about bills, etc. I'm back and forth with a job website, work, and here with white knuckles and soaring blood pressure. Obviously I know what has to be done, but I've never been in a position like this before, and I haven't had to look for a job in years. Maybe I'll go fight in Iraq. I don't believe in it at all, but wtf?

 

[KillahBee]

Sorry to hear orbelino, but you'll figure it out. Life throws this shit at us to fuck with us and test our strength. Fight through it, handle your shit, and try to keep a level head.































And send me nudes of your ex IMMEDIATELY.

 

[H_T_]

sorry to hear that.

 

[bran987]

man I need a drink after reading that.

but I don't think going to fight in a WAR will fix this. That's what my friend keeps saying he will do but don't do it unless you believe in it, it's not like a job you can quit if you hate.

what do you do for a living?

 

[jnevin]

Sorry to hear orbelino, but you'll figure it out. Life throws this shit at us to fuck with us and test our strength. Fight through it, handle your shit, and try to keep a level head.































And send me nudes of your ex IMMEDIATELY.

Here orb ditty.

 

[hamstershaver]

that sucks orb, good luck

 

[the nature boy]

dude, how do you get a tax lien? how does that happen?

 

[Scotsman]

Man that sucks. A few years ago I lost one of my jobs, then had my roomate move out on me leaving me with double the rent, then lost my other job. Took me six weeks to find a new job. In that time I ran myself massively into debt. I am just now to the point where I feel like my head is all the way above water. I feel for you and finding a new job sucks but unfortuneately life isn't fair, so chin up a bit get a new job and get back on your feet.

Cheers,
Scotsman

 

[bran987]

dude, how do you get a tax lien? how does that happen?

if you don't pay property taxes they put a lien on your house with a major interest rate attached to the delinquent payments

 

[jerseyart]

Damn man, thats f'ed.

It gets better orb, sorta been there, done that. Bought a house mid 20's , quit my job when they f'ed with my commissions, ended up working two jobs+ for much less pay just to make ends meet. It worked out far better than I ever imagined, and opened doors I would have never known existed otherwise.

Don't concentrate on the rpoblems man, thats pointless in life. Always keep your mind on solutions. It sounds a lil cliche, but youd be amazed at what the human mind can achieve when properly focused. You find answers you never dreamt existed.

 

[jnevin]

man I need a drink after reading that.

but I don't think going to fight in a WAR will fix this. That's what my friend keeps saying he will do but don't do it unless you believe in it, it's not like a job you can quit if you hate.

what do you do for a living?

Loan Officer. Brokered for years, came over to Countrywide a while ago. I really don't like the business. Fucking hate it to be honest. The money was always great, it just came easy. I have a few realtors I work with but they're the least loyal pieces of shit on earth. (No offense to any realtors that doesn't apply to.) This could be a blessing in disguise, but I really wish I wss better prepared. I don't know how I didn't know about the taxes. I pull my credit twice a year, never had an issue. I don't even feel like this has sunk in yet.

 

[the nature boy]

if you don't pay property taxes they put a lien on your house with a major interest rate attached to the delinquent payments

fuck man. I own a house. I'm pretty sure I pay property taxes on it.

So do they just wait for like 5 years and then spring the news on people and say "Hey duder, you didn't pay your property for 5 years. Here's the check asshole."

 

[jerseyart]

Loan Officer. Brokered for years, came over to Countrywide a while ago. I really don't like the business. Fucking hate it to be honest. The money was always great, it just came easy. I have a few realtors I work with but they're the least loyal pieces of shit on earth. (No offense to any realtors that doesn't apply to.) This could be a blessing in disguise, but I really wish I wss better prepared. I don't know how I didn't know about the taxes. I pull my credit twice a year, never had an issue. I don't even feel like this has sunk in yet.

LOL

I used to work for Countrywide out of college as a loan officer. They cut their commisions? When did that happen, guys will bale like crazy

 

[jnevin]

dude, how do you get a tax lien? how does that happen?

Mine came from the first job I had doing loans. It was a shady company and I wasn't lisenced. He told me he'd just pay me by check per loan with taxes taken out already. This was years ago, I was dumb, etc. Anyhoo, he got busted for predatory lending, audited, and he said I was an independant contractor to avoid paying taxes on the money I made. I did well there, and 2 years of making great money with nothing to write off with a few years of penalties and interest got me cornholed worse than deteras.

 

[jerseyart]

And bad attitude bor re: your clients.

They don't owe you shit, loan officers always feel too entitled. Work it, and make new contacts, someone is writing those loans.

 

[jnevin]

LOL

I used to work for Countrywide out of college as a loan officer. They cut their commisions? When did that happen, guys will bale like crazy

It was effective this month. The whole office is looking for other work. Thanks for the words by the way. I need to spread befor giving k to jersey's cheeks.

 

[Razorguns]

Relax. You're in the greatest country in the world. Many have come with even less then you and gone on to successes. Lots of opportunity. Just think positive and enjoy what's around you.

 

[jerseyart]

Not to get off topic, but I find it difficult to imagine that commissions were just cut in half. Did you guys just merge with someone?

Who would make such a monumentally stupid decision?

 

[jnevin]

Not to get off topic, but I find it difficult to imagine that commissions were just cut in half. Did you guys just merge with someone?

Who would make such a monumentally stupid decision?

I'm with the sub-prime division. We officially became Countrywide this year as opposed to a division of Countrywide. I'm thinking the idea was to prove to the shareholders it would be profitable. I serviced 10 offices, taking what can't go through conforming and FHA guidelines. They got rid of that and are sending it to the LV branch. Why they'd send those to another state, I don't know. I was closing 10-15 loans per month just killing it. Now I have to cold call out of the CW database, which I haven't had to do for years. I hate not seeing who I'm talking to. I don't mind getting out of my comfort zone, but I'm going to struggle to make less than half per loan and do probably less than half the loans.