# Almost a home owner **URL:** \ **Category:** NYSpeed Off Topic\ **Created:** [February 20, 2008, 7:24am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737 "2008-02-20T07:24:06Z")\ **Posts on this page:** 20\ **Page:** 4
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [March 13, 2008, 9:46am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/61 "2008-03-13T09:46:06Z")
I think a home builder has better shit to do than scam you out of $500 bucks. ---
**Author:** ![93dx\_hatch](https://avatars.discourse-cdn.com/v4/letter/9/90ced4/32.png) [@93dx\_hatch](https://forums.speedlife.net/u/93dx_hatch)\ **Post date:** [March 13, 2008, 9:46am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/62 "2008-03-13T09:46:08Z")
DIY that shit ---
**Author:** ![Johnnyv412](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/johnnyv412/32/5226_2.png) [@Johnnyv412](https://forums.speedlife.net/u/Johnnyv412)\ **Post date:** [March 13, 2008, 9:52am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/63 "2008-03-13T09:52:01Z")
He can take you to small claims court but I dont believe he cant touch your credit being just a private contractor and it being so minimal. Did you sign a contract? Sign anything? ---
**Author:** ![ineedacar](https://avatars.discourse-cdn.com/v4/letter/i/48db29/32.png) [@ineedacar](https://forums.speedlife.net/u/ineedacar)\ **Post date:** [March 13, 2008, 9:53am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/64 "2008-03-13T09:53:07Z")
> [@AWDrifter](#): > > He could but I seriously doubt that he would for $500 but, you never know. its absolutely 100% impossible for this to end up on your credit… credit, is when you take out a LINE OF CREDIT, not when you agree to pay someone $500 for work. You didn’t sign up for a loan, credit card, mortgage etc… you said youd pay him for work as if he was a damn plummer. Worst thing he can do is take you to small claims court and try and bitch and moan he wants his 500 bones. since he actually boned you on his end of the deal, and you’re out $500 already, I doubt hes gonna take it that far, while TECHNICALLY they could reward him the other $500, because you signed the contract. thats all technicalities though. anyone that tells you any different on the credit situation, idc if they say they worked in this field for 50 years, they’re wrong. > [@Johnnyv412](#): > > This is what it sounds like but reagrdless, he did stay within your budget right? Wasnt 160k in the budget? Just on the high side. Regardless, he can take you to small claims court but I dont believe he cant touch your credit being just a private contractor and it being so minimal. Did you sign a contract? Sign anything? viper gave him his bidget HIGH end at 160k INCLUDING all the stuff he said he would REQUIRE to be done to the house, in order for him to follow through and authorize the build. he said the guy started taking shit out to get down to $160k. as long as you were VERY specific in the contract that the ONLY way you were going forward with this was if ALL the shit you listed was going to be possible within your budget, you have no problem. if he signed a paper saying “I want drawings ill pay you this much for them thanks” and didnt include a specific list of required entities and stipulations, you may be liable for that other $500 ---
**Author:** ![jay\_g](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/jay_g/32/111288_2.png) [@jay\_g](https://forums.speedlife.net/u/jay_g)\ **Post date:** [March 13, 2008, 9:55am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/65 "2008-03-13T09:55:40Z")
He can take you to small claims, if he wins he can/will garnish your wages, freeze your bank account. You will have a judgment on your credit report. ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [March 13, 2008, 9:55am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/66 "2008-03-13T09:55:46Z")
> [@The\_Russian](#): > > Sounds like he quoted you high, so when its all said and done and its 157, you think you save money and thank him. refer him to friends and what not. > > Its a sales tactic. Get over it, he’s not trying to scam you out of a grand. > > He got you hook line and sinker, and you bawked at the high estimate. lol other way around He over promised when he didn’t have to present hard numbers. ---
**Author:** ![Blue\_Eyed\_Devil](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/blue_eyed_devil/32/7292_2.png) [@Blue\_Eyed\_Devil](https://forums.speedlife.net/u/Blue_Eyed_Devil)\ **Post date:** [March 13, 2008, 9:56am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/67 "2008-03-13T09:56:09Z")
> [@ineedacar](#): > > its absolutely 100% impossible for this to end up on your credit… credit, is when you take out a LINE OF CREDIT, not when you agree to pay someone $500 for work. You didn’t sign up for a loan, credit card, mortgage etc… you said youd pay him for work as if he was a damn plummer. Worst thing he can do is take you to small claims court and try and bitch and moan he wants his 500 bones. since he actually boned you on his end of the deal, and you’re out $500 already, I doubt hes gonna take it that far, while TECHNICALLY they could reward him the other $500, because you signed the contract. thats all technicalities though. > > anyone that tells you any different on the credit situation, idc if they say they worked in this field for 50 years, they’re wrong. Am I getting hyper sensative or what? I said he could. ---
**Author:** ![The\_Russian](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/the_russian/32/7414_2.png) [@The\_Russian](https://forums.speedlife.net/u/The_Russian)\ **Post date:** [March 13, 2008, 9:58am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/68 "2008-03-13T09:58:29Z")
> [@Viper966](#): > > it wasn’t like that at all… its a modular home, so the costs are fixed … there is no reason to quote high… and if so… SAY that… don’t say u can do 160 with options, and then come in at 170+ and when asked to adjust back to your original estimate go down to 160k with None of the options. > > Providing a proper estimate with all of the research behind it should have been done in the beginging without blowing smoke… > > That would be like > > Oh hi, i want to buy that car… how much, > > 16k > > are you sure you can do 16k > > Sure am… give me 500 dollars and ill double check > > ok > > Sorry i cant do 16k… i can do 26k , and you ow me another 500 > > WTF!! > > its kind of a bait and switch… he knows i would walk at a higher price, so he gets a deposit, and comes back with the higher price, forcing me to walk, and gets to keep the $$ Thats different. And now with that explanation…is shitty. ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [March 13, 2008, 9:58am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/69 "2008-03-13T09:58:57Z")
> [@AWDrifter](#): > > Am I getting hyper sensative or what? > I said he could. Well what the fuck do you know about credit and building a house and contractors and shit? Dumbass. Thank God captain cannibus was here to correct you, you senile old fuck. ---
**Author:** ![ineedacar](https://avatars.discourse-cdn.com/v4/letter/i/48db29/32.png) [@ineedacar](https://forums.speedlife.net/u/ineedacar)\ **Post date:** [March 13, 2008, 9:59am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/70 "2008-03-13T09:59:35Z")
> [@AWDrifter](#): > > Am I getting hyper sensative or what? > I said he could. he can take him to court, he can in NO way, shape, or form touch his credit though! ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [March 13, 2008, 10:00am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/71 "2008-03-13T10:00:06Z")
:cough:toldyaso :cough: That sucks Brian, good luck with everything, although you probably owe him the $500. In that type of situation you’d be hard pressed to make your argument stand unless it was in writing up front which it sounds like it wasn’t. ---
**Author:** ![ineedacar](https://avatars.discourse-cdn.com/v4/letter/i/48db29/32.png) [@ineedacar](https://forums.speedlife.net/u/ineedacar)\ **Post date:** [March 13, 2008, 10:01am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/72 "2008-03-13T10:01:13Z")
> [@Fry](#): > > Well what the fuck do you know about credit and building a house and contractors and shit? Dumbass. Thank God captain cannibus was here to correct you, you senile old fuck. i wasnt mean at all i was just explaining the facts. his credit is to be untouched by the situation, regardless. n I quit :pimp: y0 ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [March 13, 2008, 10:03am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/73 "2008-03-13T10:03:17Z")
> [@ineedacar](#): > > he can take him to court, he can in NO way, shape, or form touch his credit though! [http://www.2rhouse.org/judgementoncreditreport.php](http://www.2rhouse.org/judgementoncreditreport.php) Cliffs: > A judgement against you is the result of you losing a case in court…Having a judgement against you will lower your FICO score considerably. ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [March 13, 2008, 10:03am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/74 "2008-03-13T10:03:24Z")
> [@ineedacar](#): > > its absolutely 100% impossible for this to end up on your credit… credit, is when you take out a LINE OF CREDIT, not when you agree to pay someone $500 for work. You didn’t sign up for a loan, credit card, mortgage etc… you said youd pay him for work as if he was a damn plummer. Worst thing he can do is take you to small claims court and try and bitch and moan he wants his 500 bones. since he actually boned you on his end of the deal, and you’re out $500 already, I doubt hes gonna take it that far, while TECHNICALLY they could reward him the other $500, because you signed the contract. thats all technicalities though. > > anyone that tells you any different on the credit situation, idc if they say they worked in this field for 50 years, they’re wrong. thats basically what i figured… but i would love to see some documentation… i did sign this proffesional services agreement ---
**Author:** ![Fry](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/fry/32/7284_2.png) [@Fry](https://forums.speedlife.net/u/Fry)\ **Post date:** [March 13, 2008, 10:06am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/75 "2008-03-13T10:06:39Z")
> [@Fry](#): > > [http://www.2rhouse.org/judgementoncreditreport.php](http://www.2rhouse.org/judgementoncreditreport.php) > > Cliffs: Then again, I’m not positive that this applies here. Still reading… ---
**Author:** ![Nikuk](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/nikuk/32/7254_2.png) [@Nikuk](https://forums.speedlife.net/u/Nikuk)\ **Post date:** [March 13, 2008, 10:07am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/76 "2008-03-13T10:07:35Z")
> [@ineedacar](#): > > i wasnt mean at all i was just explaining the facts. his credit is to be untouched by the situation, regardless. > > n I quit :pimp: y0 you’re wrong. google: public records, credit report ---
**Author:** ![POOPRA](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/poopra/32/7188_2.png) [@POOPRA](https://forums.speedlife.net/u/POOPRA)\ **Post date:** [March 13, 2008, 10:08am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/77 "2008-03-13T10:08:42Z")
Ugh shady builders, there are so many out there. ---
**Author:** ![walter](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/walter/32/7202_2.png) [@walter](https://forums.speedlife.net/u/walter)\ **Post date:** [March 13, 2008, 10:11am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/78 "2008-03-13T10:11:08Z")
It would cost too much to get a judgement/garnishment against him to make it worthwhile over $500. He could take him to small claims if he wanted, depends on how big of a dick you act like and how much you piss him off. ---
**Author:** ![ineedacar](https://avatars.discourse-cdn.com/v4/letter/i/48db29/32.png) [@ineedacar](https://forums.speedlife.net/u/ineedacar)\ **Post date:** [March 13, 2008, 10:12am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/79 "2008-03-13T10:12:00Z")
> [@Fry](#): > > Then again, I’m not positive that this applies here. Still reading… me too… there seems to be some differences between what you can do in regards to a civil claim, and a small claims court claim… all I meant by what I was explaining was that this cannot be put on his CBR as an open line of credit he hasnt paid and gone delinquent on, because thats what damages someones credit the most. If he was sued, lost, and didn’t pay the guy, he definitely could be in line for a judgement. ---
**Author:** ![Viper966](https://yyz2.discourse-cdn.com/flex034/user_avatar/forums.speedlife.net/viper966/32/7268_2.png) [@Viper966](https://forums.speedlife.net/u/Viper966)\ **Post date:** [March 13, 2008, 10:13am UTC](https://forums.speedlife.net/t/almost-a-home-owner/43737/80 "2008-03-13T10:13:18Z")
> [@walter](#): > > It would cost too much to get a judgement/garnishment against him to make it worthwhile over $500. He could take him to small claims if he wanted, depends on how big of a dick you act like and how much you piss him off. i was careful… the email i posted was my last communication with him, and will be my last. if he takes me to small claims and i loose ill pay… but fuck if i’m just going to roll over and take it up the ass because this guy doesn’t know how to run a business and stand by his quotes. [Previous page](https://forums.speedlife.net/t/almost-a-home-owner/43737.md?page=3) [Next page](https://forums.speedlife.net/t/almost-a-home-owner/43737.md?page=5)