We must follow our attorney's advice. (NM)

• Question for Board Administrator - Naomi
  • I have forwarded this to the Admin for a fast answer! (NM) - Goldbird (Moderator)
    • I think this would be an excellent idea. - Lynn
      • I think this would be a terrible idea. - Old MT
      • You can post a message for posters to email you, but you cannot name companies. - Administrator sm
        • A lot of places have court records available on-line. - sm
          • We must follow our attorney's advice. (NM) - Goldbird (Moderator)

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My dad's attorney typed it up for me and I had it notarized and then MAKE TONS OF COPIES because you have to prove you are able to make decisions for your Mom.  I had this power of attorney for 10 years, my dad dying last January. 

I suppose you could get some form.....even probably at Office Depot...I got a living will there, actually a package of them.  It's just more complete to have an attorney do this 2-page paper for you...and not terribly expensive either.

Best of luck to you and your Mom. 

letter.  I have had to do that several times in the past (not MT related), and it is amazing how quickly things are resolved.  It has only cost me $35 to explain the situation to the attorney and have a short letter sent.  I think it would be well worth it in your case...$35 vs. $1300.

Also, be sure to send the letter certified, return receipt requested.  Even though that is only to obtain proof of delivery, there seems to be something "official" about it...and that can't hurt. 

who specializes in modifications and have them do a forensic audit of your loan.  Are you in one of those toxic arms?   WFB might be forced to modify your loan if attorney discovers any discrepancies.   If you don't want to consult an attorney I would suggest calling the lender and asking to speak to someone in the loss mitigation department.  The regular Joes in customer service aren't qualified to help you.  Be prepared to reference paystub/bill information and spend awhile on the phone.  I wish you well.

I have been an MT for over 10 years.  I also am getting burnt out, tired of my job, day in day.  However, I do love transcription and make excellent money at it, have grossed over $50,000 per year the last 5 years.  I decided to go back to nursing school and am very happy with my choice.  However, over these 10 years of transcription I have had my ups and downs.  My biggest issue with being at home working is lack of socialization, being home day in and day out with just the kids and the animals really gets to a person, sure hubby is home at night and thinks working from home is the easy life, thus the return to school and boy has my overall enjoyment of life changed once I realized I was the problem, not everyone else and I needed to find myself again.

Anyway, my biggest advice to you three-fold:

1.  Get into counseling for yourself, find out who you are and what your needs are, whether or not you think you need to, I sense you are feeling overwhelmed and need someone other than your family to talk to that can be nonjudgmental to your feelings and needs.

2.  If you're only making $100 after you pay preschool you can either keep doing it and be miserable, or quit because you are lucky enough to have a husband who can support the family without your income. (See how fast his mind changes just by losing the income you do have as to whether your job means anything.)  Or look for a different company or office that you like more and are more productive if you really want to do transcription (lots of fish in the sea as far as companies).

3.  Find a local "mom's" group where you can get out and socialize.  MOPS (mother's of preschoolers) is an excellent one that is nationwide, they have a website.  Also Mom2Mom is in a lot of areas.  They provide a once a week time for moms with kids the same age to get together, socialize, (some offer spirtual guidance some don't) and each week a different mom takes a turn watching everyone else's children at the facility that hosts it so the other moms can talk about things they have in common.  Every stay-at-home and work-from-home mom needs to socialize with adults, without their kids, or they will have a nervous breakdown eventually no matter how much they love their kids.

Sorry so long but it does get better but you have to take the first step at making yourself happy.

that if you do not receive pay by (the date), you will file a lien on her business and her house, and may take her to Judge Judy    I guarantee you will get your money faster than going to small claims court, spending less time going to court, etc.

state attorney general for the state The VLC is located in.  I happened to check it out and they have offices in Niagara Falls, NY and in Ontario.  Be sure to forward copies of every thing your file to them.  You can fill online complaint forms at the FTC website and the NY Attorney General's website.  Print out copies of these forms and mail copies of them after you fill them out to the school with a letter basically stating that you have reported them to these agencies and they will be intervening for you on this matter.

I also like the idea of putting cc's on your correspondence to a local news reporter.  And call them every single day until they are tired of hearing from you!

Good Luck!

When she came home from school , bussing it I would not allow her to go to her room and nap.  She was exhausted from the night before. I told her you are not going to stay on the phone until 1:30 and then sleep and then do the same thing over again. I took the cell phone away for a while and told her she can use the house phone and the phone better not ring after 9 p.m and she is off at 10 p.m.   Kids are tricky though.  I am going to take the portable phone to my bed room at night.   In the middle of the night my other daughter use to take the phone in her room.  Her boyfriend has no rules or curfews and this is part of the problem.  He told her that his mom feels bad that they are divorced so she gives into him.  Until now she respected our wishes.  She is a great , smart and talented kid.  This is the first time I really has disrespect from her.   

Thanks again