Shutdown and Delaying Bill Payments?

[Anonymous]

Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

[Anonymous]

It depends on who you are banking with. USAA and some of the federal credit unions will allow this. There are also emergency loans available from some credit unions and I believe the Federal Employee Education and Assistance fund. If none of these apply to your situation, then I would say it doesn't hurt to ask. Lenders are well aware of the situation and may be willing to work something out.

[Anonymous]

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

[Anonymous]

JFCU will do it. They'll suspend loan payments if you have loans with them and they are offering low interest loans to members during the shut-down.

Call your bank/credit union.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

It must be wonderful to go through life a smug bastard. Fuck you.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

It must be wonderful to go through life a smug bastard. Fuck you.

I do think the PP could have been more gentle in what they were saying but I too do not understand how people in our current overall economic setting can not have even a small emergency fund? We are feds and we make very little but have, painfully at times, saved a little here and there and put it aside to help in these very situations. It will not help us for long but it is something. Instead of lashing out make this an opportunity to go forward doing things differently?

[Anonymous]

Just remember, OP, it's not just a cash flow problem. You're likely never to get paid that money at all.

[Anonymous]

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

Yes call the companies and try to get an extended grace period or an extended term. It doesn't hurt to ask and it shows real responsibility by being proactive. Good luck!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

Sometimes the emergency savings is used up for an emergency and shit like this happens before you can rebuild it.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

It must be wonderful to go through life a smug bastard. Fuck you.

You are not only having financial problem. You also have an attitude problem.

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

Sometimes the emergency savings is used up for an emergency and shit like this happens before you can rebuild it.

+1. You don't know what's going on with OP so STFU.

[Anonymous]

Might not help OP but for others Hyundai is offering a deferred payment program for furloughed feds. Not sure if contractors are included.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

+1

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:Any idea whether I can negotiate the delay in payment of my mortgage, credit card and other bills on the basis that I will not be getting a paycheck in 2 weeks (assuming the shutdown runs that long)?

It must be very stressful to live paycheck by paycheck without emergency saving like you. Good luck.

Sometimes the emergency savings is used up for an emergency and shit like this happens before you can rebuild it.

+1. You don't know what's going on with OP so STFU.

Or maybe OP made bad choices.

[Anonymous]

The average federal worker is a GS 7 or an 8 (I forget). It is VERY difficult to build up significant savings on that income, especially when your salary has been frozen and you may have been subject to furloughs already.

So perhaps everyone could try a little compassion.