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Dear Las Vegans:

Discussion in 'Vegas Vapers' started by Wafflestomper, Jul 15, 2010.

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  1. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    Is anyone in this town not in some stage of foreclosure, financial straights or divorce?

    This is MADNESS!
     
  2. Aceyboogie

    Aceyboogie Ultra Member Verified Member ECF Veteran

    Check, check and almost check...I fell ya brotha!!
     
  3. Shadow Ryder

    Shadow Ryder Senior Member Verified Member ECF Veteran

    Jun 14, 2010
    Lost Wages
    I 2nd that err wait motion passed.
     
  4. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    Looks like we need to have a meeting at local stress center.
    We need a committee to look into this with due haste methinks.

    Decided to give myself a break from the world, went to the South Point Casino. Rooms for 50 bucks a night... really really nice rooms. Pool view..

    Chuck Norris is staying there this weekend.
    Nice cheap little getaway.
     
  5. Shadow Ryder

    Shadow Ryder Senior Member Verified Member ECF Veteran

    Jun 14, 2010
    Lost Wages
    "Looks like we need to have a meeting at local stress center."

    Yes we do.


    Decided to give myself a break from the world, went to the South Point Casino. Rooms for 50 bucks a night... really really nice rooms. Pool view..

    my girlfriends daughter is working there this summer..

    this town is getting small lol
     
  6. Amajn

    Amajn Unregistered Supplier ECF Veteran

    Jul 13, 2009
    New York
    Yea it sux..............






























    wait im from ny


































    Wait it sux here also
    You mean vegas is not exactly like oceans 11 12 13?
    crazy fun casino robberies and more fun and hawt chicks
    and what about david copperfield?

    Showgirls?
     
  7. Aceyboogie

    Aceyboogie Ultra Member Verified Member ECF Veteran

    Dated a few showgirls....but guess what?? They aren't as wild and crazy as they appear... Really beautiful, most of them from the Midwest or south and would rather watch tv on their days off.
    The strip sucks, I try to avoid it like the plague. All the dumb tourists from Cali (where I'm from...who wouldve thought?!?) just trying to get laid with anything that has two arms, two legs and a few orifices.
     
  8. Aceyboogie

    Aceyboogie Ultra Member Verified Member ECF Veteran

    I've lived here for about 5 years now and I can't wait to leave!! Just finishing up school and once that's done, I'm outta this he'll hole. I'd love to move to San Diego or up northern Cali like Santa Cruz or half moon bay. I honestly wish I never bought a house here... Sorry fellas, I just had to vent, now I feel better.
     
  9. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    Dude I don't care if they are boring. Seriously. Showgirls. You went where mortal men only dream. Why aren't you guys here partying with the wafflemeister?!?!?

    Get with it people.
     
  10. Israfil

    Israfil Ultra Member ECF Veteran

    Lol waffle, showgirls...yah they are kinda boring. To be honest strippers are too. I mean, she wasn't bad, and she was asian, but still not nearly as good as some of the nerdy chicks I've been with.

    On topic...yah, the economy here is friggin HORRIBLE. Can't find a job that I'm qualified for, and even the ones that I should easily be able to do say I can't. Applied to be a towel boy at a casino pool...their computer told me I'm not qualified to hand out towels. I've got a friggin bachelors degree, it can't be THAT difficult.
     
  11. Art-n-Cate

    Art-n-Cate Super Member ECF Veteran

    Hey Guys,

    Last May I transposed two numbers when I wrote my mortgage check, shorting the payment by 20 bucks. We got behind in July but told them we'd pay July and August by the 23rd of August. They said 'great, fine, no problem'. This was on Aug 2nd. When I went on-line to make the payment five days early on the 18th, we were locked out of the account. They had foreclosed on us August 13th and THEY KNEW IT when we made the agreement to pay on the 23rd. SOBs

    They claimed the $20 mistake in May's payment made us 90 days in arrears although we'd made June's payment.

    Turns out the company was one of those crooked ones causing many problems.

    Hired an attorney, paid 2K for a loan mod. Loan modified in November. We never got a packet telling us where or when to send payment or exactly how much. We started calling lender in December but never got any replies. The law firm we'd hired told us it wasn't their problem because they did get us a modification. Technically.

    In March we get a letter from Bank of America ( not our lender) saying we were in foreclosure again! Lawyers got back involved - they didn't want to but as they run TV ads 24/7 about how they got results, I threatened them with the local media - and it turns out B of A "lost us". They had no idea who we were! When our original lenders fled the country - ha ha - B of A took over their loans and somebody lost the box of paperwork.

    Bear in mind, we haven't had anybody to make a loan payment to since June, 2009.

    Yesterday we got a loan modification packet from B of A and now have to start the whole thing over. Two years ago we got an offer of 317,000. Today they say it is worth about 97,000; 30,000+ less than we paid for it twelve years ago.

    I've said it a zillion times, if you live in Vegas and aren't a major share holder in a casino, you are worth about zero as far as the city is concerned. Granny Tourist for Hoboken gets better treatment...:evil:

    I haven't had my nap and I'm out of decent juice.
    Crabby me probably shouldn't post under such circumstances. Lol
     
  12. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    That sounds familiar A-n-C.... BoA is the one that bought out our loan... We have been paying them what we were behind, but I don't trust them

    Getting to the point now where I don't even want to pay the damned thing.

    Thinking about going to a mortgage attorney to see about a short sell. I can rent twice the house I have now at half the price. In three years, my credit will be fixed and I can get something more reasonable.

    I'm sure they will find a way to screw people out of that as well though.
     
  13. Art-n-Cate

    Art-n-Cate Super Member ECF Veteran

    Our 'lawyer' and I use the term loosely, said BofA is one of the biggest crooks in the whole mess. You probably know about it but if not, google project hope, I think it is. That's the government aid to homeowners program. They are riding B of A's donkey right know. ;)
     
  14. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    Project hope was of no use to me. Basically told me I qualify for nothing. Jerks.
     
  15. Houdini

    Houdini Ultra Member ECF Veteran

    Jan 12, 2009
    Las Vegas
    I owe $350K on my house that's worth about $250K. I'm paying $2400/mo. and it kills me every time I send the payment. I like the house but sometimes I feel like I'm just wasting money. I can't believe how bad things have gotten here. When I moved here 6 years ago you were lucky if you could find a 2000sqft house for under $400K. Now there are homes twice that size for $150-$200K.
     
  16. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    I feel you there.
    Bought my house just bought two years ago at about 330K (and we thought we were getting a decent deal at the time). Other houses in the gated community are short selling for 189,000.

    I die a bit each time when sending my check. Its very sad, its a beautiful house, awesome location, outstanding view. Not only that but it was my first home purchase, and we worked very very hard to fix our credit to get financed for it. We moved here from Montana fresh out of school with a Uhaul full crap and credit card debt to finance our move.

    The pessimist in me says, "This is what I get for trying to be responsible".
     
  17. Israfil

    Israfil Ultra Member ECF Veteran

    The optimist in me says, "oh don't worry, things will get better", but he says it very quietly...he's so small.

    I don't know if we're gonna break before this thing gets better...but I know that if the time comes I'm TOTALLY armor plating my old mercedes. (a bit redundant, it's practically already a tank) and runnin around mad max style. :D
     
  18. I guess I am one of the lucky ones in this economy. I live on disability and in an apartment, so things have gotten harder but not impossible. We did not get a cost of living this year and will not get one next year, but I can survive. The co-pay of medicine hits me pretty hard because it has gone up so much this year, and my electriic bill for July was a bummer. But I am making it a lot better than many people I know. I only have myself and my dogs to take care of, so it is easier for me to figure out a way to survive when the power bill is higher than I budgeted.

    Sometimes I think that it is easier to survive a recession/depression when you don't have any money or assets to begin with. I live about the same way I have since I went on disability 9 years ago. That was a HUGE adjustment, but now I am about the same. Today I will once again count my blessings.

    I no longer have a car though because I could not afford to fix it when it died, and even after almost two years without it I still have a hard time with that.
     
  19. Wafflestomper

    Wafflestomper Ultra Member Verified Member ECF Veteran

    See, now you are making me feel guilty about complaining. Not that it will stop me :evil:
     
  20. Art-n-Cate

    Art-n-Cate Super Member ECF Veteran

    Guys, you ain't gonna believe this...in the earlier post I told you about B of A sending the packet and asking us to fill out and return? We have now done this not one, not twice but three times since Aug 20th, using the FedEx label they sent and they claim they still don't have it. In the meantime, our house flooded over Labor Day and due to an insurance f$&((), we sat in four inches of water for four days, which totaled 80% of the house and contents. To top that off, when we bought the house years ago, there used to be a law that new homeowners had to have a 2% deductible for the first year. Not bad if you've got a 90,000 house. After the first year it was supposed to roll over to 500.00. Nobody rolled it. 14 years of auto, home and life insurance, no claims, the house is back to being worth about the same thing on the market but the insurance company says it's worth almost 300,000. Care to guess what 2% of that is?!?! We went nuts.
    But here's what's amazing. We went to our annual union picnic Saturday and ran into Dina Titus. She always comes so we kind of know her. Art explained the whole thing. She said B of A is one of the worst. Then today at 9am, someone from her office called us here at the hotel and had a form sent to us. She said to fill in our B of A account number, fax it back and "she'd handle it from there...." Can you believe it? Waffle, I know you got B of A. Might not hurt to call her. Just saying...
     
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