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Before we jump into this house thing I want to make sure we all understand each other.
Mom and I are doing this for 3 basic reasons:
1> To provide u guys with a decent place to live
2> To get your equity out of your house to get rid of most if not all of your debt.
3> To save u from using all your 401k money to stay afloat.
We will pay for house and the annual taxes.
What we expect from the both of u.
1> You will repay the difference between $120,000 and the cost of the house upon closing and receiving cash from your home.
2> You will pay off your credit card debt and not run it up again.
3> You will get your disability claim ready and filed as soon as you can.
Consequences for us! If you file for bankruptcy they can come back on us for the money you put into the home. If that happens your going to lose that money to us. If all is good when it's time to sell we will return that to you provided there is enough above our $120,000 to do so.
We love and care very much for both of you and the boys and think this plan can work for all of us, but you guys will have to tow the line on living within your means because we cannot afford to do it.
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