Suzanne and Gaetan, the price of their dream.

It exists sometimes destinies like theirs which make that two orphans meet one day and enjoy to make a family as ever they did not have of it. They fall one day on an advertisement concerning a house in the French countryside which seems completely interesting. The first visit was punctuated by a true love at first sight of the couple for the house. They were seen already in this perfect house, as their dream, raising their son or their daughter, and who would attend the school of the village. Suzanne and Gaetan already see themselves leaving Paris and opening their small shop in the small town and negotiating a true turn in their life. The house is rather roomy with two large rooms and a big room of stay. Although it is dilapidated a little, it has a certain charm which is combined perfectly with the country environment of the neighborhoods. The landscape is compared with paintings showing a life of beginning of century and which let appear only one calm life which turns around the village. Small work to be carried out does not discourage our Très couple quickly, the formalities are carried out for the acquisition of the house. Their economies are supplemented by a real estate credit which they will refund over twenty years. A signature per Ci, another by there and here they are the owner of the house of their dream. Very quickly also, Gaetan decides to begin work of his house so that it livable evening most quickly. Suzanne remained in Paris to continue in the first times to work before reorientating itself towards the countryside which she already regards as his. Rather handyman, Gaetan had planned to carry out itself the work assisted by some workmen recruited for the period of work. But it will be unpleasantly surprised by the heavy task which falls on to him and considerable work to make before living this house. The couple was packed so much by this purchase which it underestimated quite simply the extent of work and over-estimated the state of the house. Of course the reports/ratios indicated some problems as for the state of decay of the house but as one often says the love returns blind man, passion even more. It was necessary to remake the partitions, the floor started to rot, the roof to risk crumbles and already let show through the harbingers through the small cracks being distinguished a little everywhere, without speaking about painting, the windows and the doors to be replaced, very rusted plumbing. After objective observation, one can wonder how the budget “house” could be absorbed in this ruin which resisted collapse miraculeusement. The labor costs were going to be considerable and the invoices started to accumulate; indeed, work was so important that it was necessary to call upon professionals. Suzanne was in despair of work which lasted for ever and of the costs that generated. Gaetan had given up resigning of his work because only one wages could not be enough any more. Moreover, even two wages were not enough with the daily expenditure to the couple which however tightened already the belt, the expenditure due to work and the refunding of the credit of the house. Soon of other refundings appear. Indeed, to deal with the expenditure, Suzanne and Gaetan one obtained other consumer credits which were consumed more quickly than a match. The couple was found in a few sifted months of debts, and in a situation which let predict the worst; Work had taken delay because of the financings which went and came. They were found rather quickly in a situation of over-indebtedness with a house which did not finish any more being built. The moral one was with lowest, Gaetan was impotent in front of the discouragement which gained his wife. As a last resort with their catastrophic situation, they decided to subject their case at an financial institution for a repurchase of real estate credits and other consumer credits. And their situation was far from being easy. With one, the requests were rejected until the day or a bank ends up accepting with like guarantee the house even. It was thus likely to lose their dream, their house on which they are so much invests but the situation was so desperate that to leave itself there they would have very accepted. Their debts were repurchased by the financial institution and their monthly payments reduced with rééchelonnement of total refunding. Since, the budget completely balanced and the couple could join again with the plans for the future. They could finish their house and are from now on parents of small Hope; English hope. Finally their dream took form whereas all seemed to collapse around them. The appropriations help, the repurchases of appropriations are often the solutions with the extreme cases of debt. In any case, Suzanne and Gaetan will have fought until the end and will have learned a good lesson from all that.