Foreclosure mediation to save home
Posted: Sat Oct 30, 2010 5:25 pm
Hi,
I am a school teacher and never thought I would come to this, but I am in dire straights. I am in Chapter 13, and will be for about 20 more months. I cannot pay my house payment anymore, so I a thinking of walking away from that after a recent foreclosure mediation session did not work. My immediate need is with my electric bill, however. I have discovered my son has a gambling problem, and this month has cleaned me out completely. I have no money, and cannot buy gas or groceries, or my electricity or car. My main need now is my electricity. It is to be cut off tomorrow, so I know you probably can't help, but I am desperate. Last month he told me he paid it but his check did not clear so I owe two months at a whopping $735. I have cancelled my debit card so he cannot get any more of my money. Apparently he has the numbers memorized and did not use the card. I had not used it, so I thought I had money till I checked last week. He told me he put a check in my account, but he had not received his paycheck, so it did not clear. I am at my wits ends. The electtric company will not help me out. I have everything I own up for sale, but no one is buying. I have even listed his pool table, but no takers. Do you know of any help out there for me, such as another foreclosure mediation counselor or electric bill programs? I do not get paid till the end of the month and am desperate. I lived with a recovering alcoholic for many years before he died, and my son knows about a 12 step program, but that is not helping right now. I have a job thank goodness, but have to have a car and and gas and electricity. If you have suggestions I would appreciate it.
I am a school teacher and never thought I would come to this, but I am in dire straights. I am in Chapter 13, and will be for about 20 more months. I cannot pay my house payment anymore, so I a thinking of walking away from that after a recent foreclosure mediation session did not work. My immediate need is with my electric bill, however. I have discovered my son has a gambling problem, and this month has cleaned me out completely. I have no money, and cannot buy gas or groceries, or my electricity or car. My main need now is my electricity. It is to be cut off tomorrow, so I know you probably can't help, but I am desperate. Last month he told me he paid it but his check did not clear so I owe two months at a whopping $735. I have cancelled my debit card so he cannot get any more of my money. Apparently he has the numbers memorized and did not use the card. I had not used it, so I thought I had money till I checked last week. He told me he put a check in my account, but he had not received his paycheck, so it did not clear. I am at my wits ends. The electtric company will not help me out. I have everything I own up for sale, but no one is buying. I have even listed his pool table, but no takers. Do you know of any help out there for me, such as another foreclosure mediation counselor or electric bill programs? I do not get paid till the end of the month and am desperate. I lived with a recovering alcoholic for many years before he died, and my son knows about a 12 step program, but that is not helping right now. I have a job thank goodness, but have to have a car and and gas and electricity. If you have suggestions I would appreciate it.