Gabz,
I am so sorry that you have troubles, I as well as many here will be praying for a quick solution.
First thing tomorrow, call the mortgage company, talk to them, tell them what has happened and what you are doing to fix the situation.
Ask for a period of smaller loan payments or even no payments, but it is better if you can make the half payment.
I am sure your troubles are not from a cruise that you took on the payment money........so talk to them.
They do not want your house foreclosed, there are too many and if it sets vacant, it will be ruined by vandals.
Call all that you owe money to and ask for the same help, some may come through.
They put me on half payments when Bill ruptured his heart and they put my son on half payments, 3 years ago, when his wife died.........the car loan was even re-written and the interest dropped, so he could pay it off.
Now, if that is not the solution, then call and ask for help from the Federal Gov, they say they have programs that will help save the homes, I did not pay attention to the talk when it was hot and heavy, as no one loans on 50 year old mobiles, so I am in no danger.
One of this threads posters had a good idea, sorry, all of you might as well know, I do not even attempt to remember folks names, in time they will stick with me, never could recall them and it is not old age.........LOL off topic.
You must ask for food stamps, as you do not want to be known as someone who can take care of themselves, if you are, you get no help, from the gov.
Been there and done that, Bill was in intensive care for months and I had just taken Legal Custody of a 5 month old grandchild.
They gave me no help.
Later when I worked at the Wellton Court, I asked the lady who had been my case worker, while Bill laid there for months, not knowing if he would live or die, why she refused to help me.
Her answer was “you had proven that you could take care of yourself, and we were right, you did, it is for those who cannot help themselves”.........In other words, repeat offenders, not the help needed when one hits a hard patch.
They gave Lisa $19 dollars a month and that was the only cash coming in the house.
An Angel, delivered hay to the goat pen, while I was at the hospital visiting Bill, it was years later, before I learned it was a Mormon friend Catherine Brimhall........she said Logan said he wanted to come and see for himself, that I could keep the goats properly fed, went out and loaded his pickup, with the finest Alfalfa hay and left it in the right place, as well as dumping all the water and feeding for the day.
The real struggle is to prove that you need the help, you do not need to prove that you deserve it.
Have you talked to your minister?
Even the Salvation Army, will know of places to ask for help.
If the county or state helps, more than likely, it will cause a lein to be filed against your property, which is not a disaster, unless you need to apply for credit some place, it will stay there until you sell or pay it off, each state is different and I am not even up to date on Arizona law......now.
Get on the phone.
One of the first things that will happen, when things fall into place, is that the pressure will go away, at least a little and you will smile, and the jobs will turn up.
Watch it that, the stress does not affect your marriage or the kids day to day lives.
so get on the phone and make things happen.
At least, it will show, that you are attempting to get out of the hole.
Sending hugs and lots of prayers,
Granny, you are such a sweetheart.
We’re cool with the mortgage company. We spoke with them more than a month ago and arrangements have been made.
Please believe me my FRiend when I tell you our troubles have nothing to do with going overboard on anything, let alone a cruise :)
My husband has been out of work since October. Me working part time as a bartender (7 hours a week) and selling a few jars of jelly here and there just doesn’t pay the bills or buy the seeds we needs to get our field planted. But I’ll be able to buy those seeds next week as we will be getting tax refund from the IRS prior to the 1st.
Our volunteer hours at the local Moose Lodge became benificial to us when they paid our electric bill the day before we were due to be shut off. The Moose require a certain percentage of Lodge revenue be given to charity every month, we happened to be last month’s charity.
You brought up government assistance, hubby and I had a major discussion about it this evening. We will NOT do it. It might get boring, but I have a freezer full of venison. I also have 3 bushels of potatoes under the house. No one is going to go hungry in this house.
The phones might be cut off this weekend (I’m on dialup like you, so I’ll post the weekly gardening thread on Thursday)but we’ll be warm and well fed.
It’s driving me absolutely nuts, but we will get through it. Both hubby and I have job interviews tomorrow. Neither is what either of us want, but a job is a job at this point.
I’m going to call it a night. Although I’m younger than you I don’t have your stamina.
Bless you, and thank you for your prayers.
Gabrielle