business help: My name is Eric, and I am a young business owner. - Help.com

My name is Eric, and I am a young business owner.

I never had much growing up. Grew up in the midwest and had enough to survive. College wasn’t for me, I wanted to do my dream. My dream was to help man’s best friend. Yes I am a dog trainer. I love helping people understand their dogs and help them have a happier life. I have changed so many lives so far and i intend to do much more. I moved to TX and became certified, and then moved to NJ where i met my true love working at a training facility. Due to having the dogs we had, we were forced into purchasing a home. Being that in NJ its difficult to get ahead when your not born with anything, we decided to look into owning our own kennel. Well with much time and effort we are here. It is truely a dream come true, everything that we ever wanted. We’ve only been operating for 6months now, but the problem is the debt that we brought with us. The house that we owned is not selling in NJ and about to be forclosed on. Plus, the credit cards and car payments that weren’t so bad being in NJ are now not getting paid here. We weren’t able to take out a 2nd on this property here in IL due to the home in NJ. There went that option, and the mortgage company for the IL home decided 5 days before closing that in order to make it happen we would need an additional 30,000. This was already on top of the 30,000 we were putting down. The additional was to keep us ahead for start up. We had to bite the bullet and put the money up. I new it would have been a struggle, but after 6months I’ve gone into what I feel is depression. I don’t know what to do anymore. Business is picking up, just not fast enough. Our credit is shot now due to the lack of payments on our debt, and at this point I dont’ know what we are going to do, but pray. All I ever wanted for my girlfriend and I to do out here is get married have kids and a successful business. It really makes me up set seeing what i’ve done. I feel like I cant see the light at the end of the tunnel. I’m only 22 and Christina is 26, we are to young for this stress i feel. CAN ANYONE HELP US?

This open post was written 2 years, 10 months ago | V/U/S: 294, 4, 4 | Edit Post | Leave a reply | Report Post


Reciprocity (0) Reciprocation Failure -- The poster has NOT helped anyone else yet!

Since writing this post Simpguy0 may have helped people, but has not within the last 4 days. Simpguy0 is a verified member, has been around for 2 years, 10 months and has 1 posts and 0 replies to their name.

Post Tags (10)

Replies (4)

Where were you?

Click and drag to move the map around. FAQ: How we place people on this map »
You can also watch events on Help.com as they happen
Mouse over the map for 2 seconds to see an expanded, interactive view

A_Fellow_Human offline Verified User (2 years, 10 months) Long Term User Shouts: 1 #
US | 2 years, 10 months ago (25 minutes after post)

I dont know what to say to help you. Maybe you could see a credit-counselor or one of those debts consolidators. I know that credit-card debt can be a killer because of the interest rate especially. How much credit card debt do you have? If cc is a significant portion, then you have a good opportunity to reduce monthly payments because the interest rates come down if you consolidate. It hurts your credit a little but that really doenst matter right now because the business is running and you are in the new house.

Have you considered renting the house out in NJ???

Quote this reply Report this reply to moderators
Property of Jesus offline Verified User (3 years) Long Term User Shouts: 2 #
US | 2 years, 10 months ago (13 hours, 18 minutes after post)

Hello Simpguy0!

I am a mortgage broker and wanted to say very quick that I might be able to help you. I need to gather some info from you but I am rushing to go to church.

I’ll be back home around 3 or 4 hours. I’ll shoot you another quick with the info I need from you.

Unless you want to go to my web site and fill out the form for you and your wife.

Do not provide any credit card info yet until I review the loan application.

I want to make sure first if I’ll be able to do it, O.K.?

By the way, How long have you owned your home? I believe is in New Jersey, right?

If I cannot do it with the mortgage thing I will refer you to a company that can lend you money based on the amount of money you charge in credit cards to your cients.

That company requires you to make more than $5,000 in credit card purchases from your clients.

We’ll see, O.K., brother?

Take care and God bless!

Luis

P.S. My site is dotquidquo-realty-mortgagedotcom

Quote this reply Report this reply to moderators
Property of Jesus offline Verified User (3 years) Long Term User Shouts: 2 #
US | 2 years, 10 months ago (19 hours, 51 minutes after post)

Hi there!

I am back! O.K… Basically what I need is to know how much you are owing in general… meaning all your bills, need to know how much you guys are making a month, how long have you owned the home in NJ and the one in IL? Have you been paying your mortgage bills?

I think it would be better to fill out the full mortgage loan application in my site and you can leave the ss box blank and you do not need to give me your last name for now so if I find out that I’ll be able to do it then I am going to need the rest of the info, O.K.?

I am very confident that I’ll be able to do it but lest’s see, O.K.?

You do not need to provide me with the CC info yet either.

The soonest you can send me the info the soonest that I can take action to resolve your financial situation.

Take care and God bless!

Luis

Quote this reply Report this reply to moderators
Tizaj offline Verified User (2 years, 10 months) Long Term User Shouts: 0 #
An Unknown Location | 2 years, 10 months ago (6 days, 12 hours after post)

need a business cash advance??

call 866.295.0009

or for a personal loan call

http://www.prosper.com/public/groups/…

Quote this reply Report this reply to moderators
Help me with: Need a loan?

Invite Others to Help

A logged in and verified Help.com member has the ability to setup a Friends List and invite others to help with posts.