“No, This is Not a Client that I am Willing to Assist”

“No, This is Not a Client that I am Willing to Assist”


This is not something you will hear me say very often, but this is one that fit for a NO. I listened to an attorney tell me about a client that he had represented to nearly 10 years. He indicated that his client was currently in foreclosure, but starting about 10 years ago, he did a chapter 13 bankruptcy for her, which she was in an out of three times. This was someone who have been in and out of subprime mortgages twice, then into a chapter 7 bankruptcy and now into foreclosure.


There was a pretty good appeal by the attorney to assist his client, but I asked him one question and then the selling stopped. I asked him if he would loan his own money to this client? He immediately said that he wasn’t in the lending business. OK, but if you were in the lending business, would you lend your money to this client. He finally said NO.


Unfortunately, not everyone should be a homeowner, this is just one of those cases. Everyone along the way has found out, this person isn’t interested in paying and I would never consider having any lender that I work with, give this borrower a mortgage.


Based on what I have shared, would you loan your money to this borrower? I thought so.


Image courtesy of DavidCastillo/freedigitialphotos.net


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Joe Petrowsky, NMLS #6869

Right Trac Financial Group, Inc. NMLS #2709

110 Main St.

Manchester, Ct. 06042

Office: 860 647-7701 x116

Fax: 860 647-8940

Cell: 860 836-9294

Email: joe@righttracfg.com



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Joe Petrowsky does not guarantee nor is in any way responsible for the accuracy of the information provided herein, and provides said information without warranties of any kind, either expressed or implied.

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Comment balloon 25 commentsJoe Petrowsky • September 02 2015 06:07AM


Joe Petrowsky It really sounds like this person never learned about controlling money rather than it controlling you.

Posted by Sandy Padula and Norm Padula, JD, GRI, Presence, Persistence & Perseverance (HomeSmart Realty West & Geneva Financial, Llc.) over 4 years ago

Good morning Joe,

The hard part getting him to realize that NO was the answer and yes occasionally we have to have that response.

Make yourself a great day.

Posted by Raymond E. Camp, Licensed Real Estate Salesperson Greater Rochester (Howard Hanna Real Estate Services) over 4 years ago

It doesn't happen often, but there are some people we either can't help or shouldn't help. Have a great day, Joe!

Posted by Pat Starnes-Front Gate Realty, 601-991-2900 Office; 601-278-4513 Cell (Front Gate Real Estate) over 4 years ago

Joe Petrowsky That is the right question to ask, both to the attorney and to yourself.

Bill Roberts

Posted by Bill Roberts, "Baby Boomer" Retirement Planner (Brooks and Dunphy Real Estate) over 4 years ago

Good morning, Joe Petrowsky and that's why there are rentals available.... everyone needs a roof....

Posted by Barbara Todaro, Marketing Agent for The Todaro Team (RE/MAX Executive Realty ) over 4 years ago

Good morning, Joe --- I like how you phrased the question to the attorney.  I would also answer no.  Not everyone should be a homeowner.   

Posted by Michael Jacobs, Los Angeles Pasadena 818.516.4393 over 4 years ago

Joe I would not only NOT lend this person a penny of my own money, I would not lend them a penny of anyone elses money as well.  This is the type of person who is a user, and is just looking for the next property they can stiff the lender and live in the property for free.

Posted by George Souto, Your Connecticut Mortgage Expert (George Souto NMLS #65149 FHA, CHFA, VA Mortgages) over 4 years ago

Keep on walking Joe...This one was not a keeper!

Posted by Lawrence "Larry" & Sheila Agranoff. Cell: 631-805-4400, Long Island Home and Condo Specialists (The Top Team @ Charles Rutenberg Realty 255 Executive Dr, Plainview NY 11803) over 4 years ago

Absolutely not! I wouldn't lend money to this person under any circumstance. I bet their middle name is "default". 

Posted by Nicole Doty - Gilbert Real Estate Expert, Broker/Owner of Zion Realty ZionRealtyAZ.com (Zion Realty) over 4 years ago

Joe Petrowsky  you hit the nail on the head with the magic words  NOT Everyone Should be a Home Owner

Posted by Hannah Williams, Expertise NE Philadelphia & Bucks 215-953-8818 (Re/Max Eastern inc.) over 4 years ago

Joe, you are one smart cookie.  As you said, not everyone should own a home.  They obviously just can't seem to get on the road to recovery and need to take another path.

Posted by Belinda Spillman, Colorado Living! (Aspen Lane Real Estate Colorful Colorado) over 4 years ago

Knowing when to say "no" is imperative. You asked the right question, Joe, and saved yourself and others a ton of grief.

Posted by Lottie Kendall, Helping make your real estate dreams a reality (Compass) over 4 years ago


The word "NO" is underused in this business...It is such a good word, maybe we should start a campaign to popularize it and make it politically correct...since it is a minority.   A

Posted by Ron and Alexandra Seigel, Luxury Real Estate Branding, Marketing & Strategy (Napa Consultants) over 4 years ago

Interesting that he represented her for over 10 years.  Perhaps he should have a side business in financial counseling.  And no,  I would not lend her my own money.

Posted by Monte Wall, Keller Williams Premier Realty - Katy, Texas (Keller Williams Premier Realty) over 4 years ago

That person will have trouble renting. It made no sense for that attorney to think he could help this person get a mortgage. A blind man could see that. Why would that person even begin to think about buying a house while in her current situation? You made right decision.

Posted by Jeff Pearl, Full Service Full Time Realtor (RE/MAX Distinctive / LIC in VA) over 4 years ago

Joe, sounds like this woman figured out how to use the system. That's exactly what Trump did over the years.

Posted by Olga Simoncelli, CONSULTANT, Real Estate Services & Risk Management (Veritas Prime, LLC dba Veritas Prime Real Estate) over 4 years ago

I don't have any problem answering your questions with a big, NO.

Posted by Debbie Laity, Your Real Estate Resource for Delta County, CO (Cedaredge Land Company) over 4 years ago


The person has not demonstrated that they are responsibly . . . . and is not a good candidate for home ownership or a mortgage.

Good luck and success.

Lou Ludwig

Posted by Lou Ludwig, Designations Earned CRB, CRS, CIPS, GRI, SRES, TRC (Ludwig & Associates) over 4 years ago

Some people are just not responsible enough to be a home owner and that person is definitely one of them

Posted by Ed Silva, Central CT Real Estate Broker Serving all equally (RE/MAX Professionals, CT 203-206-0754 ) over 4 years ago

Joe- interesting that the attorney wanted you to find someone to loan his client the money but he wouldn't himself.  

Posted by Kathy Streib, Home Stager - Palm Beach County,FL -561-914-6224 (Room Service Home Staging) over 4 years ago

I've known people like that. These people just cant ever get it together. They live under a cloud where everything always goes wrong or they are just plain irresponsible. Our society can only help them so much, just what that lawyer probably did. Maybe he sees some good in them. However, for these people you do them a disservice to help them one more time because the result will always be the same. Failure with other people/organizations picking up the check.

Posted by Hella M. Rothwell, Broker/Realtor®, Rothwell Realty Inc. CA#01968433 Carmel-by-the-Sea over 4 years ago

Joe, my answer would be NO for sure!

Posted by Rebecca Gaujot, Realtor®, Lewisburg WV, the go to agent for all real estate (Vision Quest Realty) over 4 years ago

Joe Petrowsky these are called 'D' clients (or consumers - not clients). We do not want to attract them either - or they will refer the similar people to you...lol!

Posted by Praful Thakkar, Andover, MA: Andover Luxury Homes For Sale (LAER Realty Partners) over 4 years ago

That's an excellent question, Joe.  Though, while reading this I wondered how much this attorney has made from this client.

Posted by Gabe Sanders, Stuart Florida Real Estate (Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales) over 4 years ago

Joe - You make a great point on this one, and you really put it into perspective when you ask if you would loan that person your own money.

Posted by Troy Erickson AZ Realtor (602) 295-6807, Your Chandler, Ahwatukee, and East Valley Realtor (Good Company Real Estate www.ChandlerRealEstate.weebly.com) over 4 years ago