“I Won’t Ever be Able to Buy a Home”

“I Won’t Ever be Able to Buy a Home”



Divorce can create a lot of issues before, during and after. This was the case for Paulette. As part of her divorce decree her ex was responsible for all the credit card obligations and an auto loan but he never handled them. It seemed he was going to figure out how to make life as miserable as possible.


When I was introduced to Paulette, she shared that she wanted to eventually buy a home but she just didn’t see that in her future. She told me that her credit was trashed and didn’t see any way to ever be a homeowner.


I seldom recommend that anyone file bankruptcy, but this was an exception. There was $35,000 in obligations on her credit and paying them was not going to be an option. After consulting with an attorney that I had recommended, she made the decision.


27 months after the BK discharge, Paulette is a homeowner. It was a long road for sure but definitely worth the journey. I got this from her, life is good:


Thank you very much for all your help and perseverance, it’s hard to believe, but with your help, my children and I now have a home, one we can call our own.


Image courtesy of stuartmiles/freedigitalphotos.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.

Equal Housing Statement: We are pledged to the letter and spirit of U.S. policy for the achievement of equal housing opportunity throughout the Nation. We encourage and support an affirmative advertising and marketing program in which there are no barriers to obtaining housing becuase of race, color, religion, sex, handicap, familial status, or national origin.

Comment balloon 31 commentsJoe Petrowsky • November 30 2015 01:26PM


Hi Joe.  Nothing I like reading more than a story with a happy ending.  Great job!

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

Good morning Joe.  Sometimes given the circumstances bankruptcy can be the only option.  Great news and another successful client who will praise your abilities to others.

Posted by James Dray, Exceptional Agents, Outstanding Results (Fathom Realty) about 4 years ago

You advised her well, at times there isn't much other choice Joe.

Posted by Roger D. Mucci, Lets shake things up at your home today! (Shaken...with a Twist 216.633.2092) about 4 years ago

Love happy ending stories especially when someone really wants to do the right thing after being mistreated like that.

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

Yay! She received some great advice and was able to move on with her life. Great job!

Posted by Kat Palmiotti, The House Kat (406-270-3667, kat@thehousekat.com, Broker, Blackstone Realty Group - brokered by eXp Realty) about 4 years ago

How great to be able to help her and her kids get back on her feet.  You have given them a real gift.

Posted by Debbie Gartner, The Flooring Girl & Blog Stylist -Dynamo Marketers (The Flooring Girl) about 4 years ago

what a wonderful event for her and so gratifying for you! Glad that she is in her own home now. 

Posted by Lise Howe, Assoc. Broker in DC, MD, VA and attorney in DC (Keller Williams Capital Properties) about 4 years ago

Good morning Joe Petrowsky ,

You are right life is good! You gave sound advice to Paulette and now she has her life back. The reward of knowing you made a difference is far greater than the financial reward received. 

Posted by Dorie Dillard CRS GRI ABR, Serving Buyers & Sellers in NW Austin Real Estate (Coldwell Banker United Realtors® ~ 512.750.6899) about 4 years ago

Good Morning Joe:

What a wonderful story. I love seeing people getting back on their own feet.

I am glad that they found YOU.

Posted by Maria Gilda Racelis, Home Ownership is w/in Reach. We Make it Happen! (Home Buyers Realty, LLC-Manchester, Bolton. Vernon,Ellington) about 4 years ago

Good morning Joe. Sometimes you have to do what you have to do! Enjoy your day!

Posted by Wayne Martin, Real Estate Broker - Retired (Wayne M Martin) about 4 years ago

Thank you for sharing the story. It is nice to read that she was able to buy a house again.

Posted by Gita Bantwal, REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel (RE/MAX Centre Realtors) about 4 years ago

Good morning Joe,

And so many do not want to work or help them.

Good job as usual.

Make yourself a great day.

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

Good morning Joe. This may just be my favorite post of yours. You give more than loans....you give hope.

Posted by Sheila Anderson, The Real Estate Whisperer Who Listens 732-715-1133 (Referral Group Incorporated) about 4 years ago

Joe Petrowsky Lucky for Paulette, but not everybody has enough time left. Every day more and more CANNOT buy a house.

Bill Roberts

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

Boy, that's the best kind of feeling!!! A gift that is enduring. You sure are a financial angel!

Posted by Gayle Rich-Boxman Fishhawk Lake Real Estate, "Your Local Expert!" 503-755-2905 (John L Scott Market Center) about 4 years ago

Joe, Such a shame that people in a divorce situation have to be so mean and destructive ... like the divorce was not bad enough.

With a plan and patience ... she is now a homeowner again with a fresh start for her family.  Awesome! 

Posted by Kathleen Daniels, San Jose Homes for Sale-Probate & Trust Specialist (KD Realty - 408.972.1822) about 4 years ago

How sweet, loved reading this post Joe. Now Paulette and family have their own home thanks to you.

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


What a great story, and thank you for sharing it with us. A

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

Hi Joe Petrowsky ,  That's what I like about the Real Estate profession.  We help peoples dreams come true and we get to be there to see it first hand.

Posted by Larry Johnston, Broker,Friends & Neighbors Real Estate, Elkhart,IN (Broker, Friends & Neighbors Real Estate and Elkhart County Subdivisions, LLC) about 4 years ago

You have the best stories to share, Joe. I love reading them, and most of them have happy endings. 

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

Joe divorce generally brings major negative changes to those involve.  Paulette was lucky to get her life back in order a soon as she did.

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


How you helped your customer is big reason your receive so many referrals,

Good luck and success.

Lou Ludwig

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

Great point that divorce agreements are not often upheld and it's too expensive for many people to go back into court to force performance. It's too bad she had to resort to BK but at least it got rid of her liabilities from marriage.

Posted by Elizabeth Weintraub Sacramento Realtor Top 1%, Put 40 years of experience to work for you (RE/MAX Gold) about 4 years ago

What an interesting story Joe. You have such excellent examples that we learn so much from.

Posted by Noah Seidenberg, Chicagoland and Suburbs (800) 858-7917 (Coldwell Banker) about 4 years ago

Being able to get a mortgage that short a time after  the case was closed shows some hard work and a very detailed letter of explanation as well.   Well done

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

How awesome is that? Our Clients depend on our clear thinking and willingness to work with them until...

Posted by Evelyn Johnston, The People You Know, Like and Trust! (Friends & Neighbors Real Estate) about 4 years ago

Hi Joe.  Having vision to see the overall picture and forming a plan is why you are so successful helping people.

Posted by Conrad Allen, Webster, Ma, Realtor (Re/Max Professional Associates) about 4 years ago

This is a very good story to share. Many consumers just give up rather than taking action to clean up their credit.

Posted by Roy Kelley (Realty Group Referrals) about 4 years ago

Joe - it is wonderful that you have these stories that are testimonials to you being a trusted advisor above all.

Posted by Grant Schneider, Your Coach Helping You Create Successful Outcomes (Performance Development Strategies) about 4 years ago

I've heard this story before Joe, the part about a divorce and credit card debt resulting in trashed credit.  But of course, they did not meet you!!!

Posted by Joanna Cohlan, Designing, Decorating & Staging Westchester Homes (Fresh Eyes For Your Home) about 4 years ago

I also have "pending" clients that are between one and four years out from being able to qualify Joe Petrowsky but they know I am here to guide them and be their cheerleader to success.

Posted by DEANNA EARLY - - ( NMLS # 268590 ), Highest Ranked Mortgage Loan Originator Virginia (American National Bank & Trust) about 4 years ago