Thursday, April 7, 2011

Don't make me use the lawyer card!

Throughout the house process and dealing with our landlord, I've let T have the reigns with that.  Even moving into our rental and with all of the issues we had with mice, problems with the water heater, the garbage disposal, I let T handle first.  If the landlord gave us crap, only then would I step in.  The reason?  He actually volunteered.  Because he knows how I get when pushed too far.  And it isn't pretty. 

So with the mortgage process, I've let him handle it.  Until recently.  See, with my job change in January, we had our concerns that it would cause issues with the final mortgage approval.  But we were reassured since we were closing in April and since my pay did not go down, we wouldn't have any problems.  However, two weeks ago we get a notice that my pay is "too low."  T inquires as to why they think that.  They say my pay stub shows my pay is too low for year-to-date, which makes no sense because even if I had kept my previous job, the year-to-date pay would still be the same, low, because, well, it's the beginning half of the year.  They wanted a letter from me stating that my income was my income.  Why would that be better than a pay stub?  So I decide to respond.

T's had a hard time getting them to respond to his emails.  Not sure why, but my email got a rather quick response.  Perhaps it was because it was harshly written.  I pulled the lawyer card, and I'm not ashamed to say I did it.   I'm not going to say everything I said, and it was all politely written, but I think I said they were being illogical and that getting a letter from me should not and did not trump my pay stubs and how my pay would have been the same if I had stayed at my previous employer.  I think I also said they were wasting my time, I was much too busy to write multiple letters and try to figure out what they needed me to say so they should write the letter themselves and email it to me.  I also pointed out how ridiculous it was that they waited until two weeks before closing when they knew this information in January.  And I signed it with my full lawyer name.  (Meaning, I included that three letter "Esq." behind my name).  Yeah, I did it.  And what would you know?  Five minutes later, I get an apologetic email stating how this was a mere formality and they would take care of it and how I should not worry at all, this will be taken care of. 

That's right.  That's what I thought.

I try to not pull the lawyer card out because I'm not one for a power trip, really I'm not.  I've only used it a few times - once when my apartment was trying to get me to pay for carpet cleaning for stains that were there before I moved in, another time after a botched CAT scan, I happen to mention I was a lawyer.  (Meaning, don't mess this up...)  It's not always the nicest way to proceed, but sometimes, you have to do what you have to do.

I have a short fuse, I'll admit, and a very low tolerance for stupid.  This is why T doesn't let me speak for us sometimes...but at least it's nice for him to have an ace in his pocket, right?



  1. Right!
    OMG, I'm just like you!!
    Although I'm not a lawyer haha
    But still, I'm pretty straightforward and don't want people to have fun of me.

  2. Yeah I am not a lawyer however I don't hesitate to play that card when people think they can get one over on me. I have a mean streak a mile wide..

  3. You gotta do what you gotta do. Glad it worked out.

  4. Haha, seems like being a lawyer can have its advantages. If I were a lawyer, I'd be pulling that out all the time. No shame.

  5. Hey, I think that's a good rule of thumb: Only pull the lawyer card when you really need to. That way you REALLY put some fear into people when you do. Otherwise you're just blowing smoke after a while.

  6. Woohoo for pulling the lawyer card and calling their buff. A•• hats the bunch of them. They true pulling out of our deal too. Because we were getting a bunch of free upgrades. They wanted us to explain everything in our credit history- really you need an explanation of why I bought a car? I still have no clue as to why they needed that info? But whatever I fist do it and I got the house!

  7. Nice!!!! Good for you for standing up for yourself!

  8. Ah gotta love that lawyer card! I'm not one, I'm a Jewish mom who has a few lawyer friends, doesn't matter what kind of law, that Esq at the end scares the snot out of businesses!! I have learned that if it comes to it when I have to say "do what you are legally supposed to do or you'll be talking to my lawyer" to be sure to give a lawyers name. I had one person laugh at me like I was an idiot until I gave them the name of a lawyer and said, "do you need his Bar #?" Gee we got stuff done pretty quickly and in order.

    I don't intimidate easily (some would say at all), so my hubby lets me deal with businesses when they get stupid. He also lets me haggle because I do better than he does.

    I'm really not a fan of confrontation but I can do it when it needs to be done.

    Glad to hear that you can too! I love strong women who don't throw their strength around til need be.

  9. this all sounds freakishly familiar... please tell me you aren't doing your mortgage with Bank of America...

    PS: I would totally pull that card too. Go you!

  10. Good for you! it isn't a power trip when they're being stupid, which they were. I want to be a lawyer just so I can pull that card when people try to cheat me out of money.

    I'm glad they listened. I like that they responded so quickly :-)

    I like Lillian's idea, whenever I say I'll get my lawyer involved maybe I'll mention your name Nain so I can get results :-)

  11. It's easy to actually play the lawyer card when it only cost you $ 26 a month. I let my Pre-paid Legal lawyer deal with this kind of crap.


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