need help to get a loan to replace my air conditioner & furn

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sonnyg1304
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need help to get a loan to replace my air conditioner & furn

Post by sonnyg1304 » Tue Apr 10, 2012 3:19 pm

i,m 59 yrs. old & i have had 5 heart attacks. i came home from the hospital on march 29th. & found out my air conditioner had stopped working. my repairman informed me that my ac unit & furnace was over 25+yrs. old & needed replaced. i have looked into every state & federal program suggested only to find out i don,t qualify because they tell me i make to much. that for me is hard to accept. you see i make $ 1800.00 a month social security & $500.00 for a pension.. i,ll try & keep this short. i pat $ 85.00 a month for medicare, $150.00 a month to blue cross shield of kansas as a suppliment to my medicare. i pay $50.00 amonth for my part d to help pay for my meds. my problem is i fall into the doughnut hole. alot of pepole don,t understand the doughnut hole. after paying $50.00 a month for my part d thats suppost to help me pay for my monthly meds i still have to pay about $350.00 a month for my meds on top of paying for the ins.. i also pay about $ 70.00 a month for burial ins. that comes to around $ 750.00 a month.after that i have utilities, food ,ect. i think you get the picture. to make a long story short ,i,m lucky to get one a meal a day during some months. with all these heart attacks iv,e had i really do need get my air conditioner & furnace replaced. it may not seem that big a deal to some. but for pepole in my situatation it comes down to a like or death situation. so like iv,e said i looked into every state & federal program thats been suggested, only to be told i make to much. oh ya ,by the way i also help my 82 yr. mother on a monthly basis as well. any suggsetions would be appreciated. thanks for you time. frederick w. graves .atchison,ks.

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Re: need help to get a loan to replace my air conditioner &

Post by Admin » Wed Apr 11, 2012 8:40 am

This is now your third post, going back a year, asking for the same thing. We replied here.
http://needhelppayingbills.com/helpwith ... 3641#p3641
Please stop posting the same thing, or we will disable your account. If there is something else you need please let us know.
sonnyg1304 wrote:i,m 59 yrs. old & i have had 5 heart attacks. i came home from the hospital on march 29th. & found out my air conditioner had stopped working. my repairman informed me that my ac unit & furnace was over 25+yrs. old & needed replaced. i have looked into every state & federal program suggested only to find out i don,t qualify because they tell me i make to much. that for me is hard to accept. you see i make $ 1800.00 a month social security & $500.00 for a pension.. i,ll try & keep this short. i pat $ 85.00 a month for medicare, $150.00 a month to blue cross shield of kansas as a suppliment to my medicare. i pay $50.00 amonth for my part d to help pay for my meds. my problem is i fall into the doughnut hole. alot of pepole don,t understand the doughnut hole. after paying $50.00 a month for my part d thats suppost to help me pay for my monthly meds i still have to pay about $350.00 a month for my meds on top of paying for the ins.. i also pay about $ 70.00 a month for burial ins. that comes to around $ 750.00 a month.after that i have utilities, food ,ect. i think you get the picture. to make a long story short ,i,m lucky to get one a meal a day during some months. with all these heart attacks iv,e had i really do need get my air conditioner & furnace replaced. it may not seem that big a deal to some. but for pepole in my situatation it comes down to a like or death situation. so like iv,e said i looked into every state & federal program thats been suggested, only to be told i make to much. oh ya ,by the way i also help my 82 yr. mother on a monthly basis as well. any suggsetions would be appreciated. thanks for you time. frederick w. graves .atchison,ks.

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Re: need help to get a loan to replace my air conditioner &

Post by Cowen » Thu Aug 22, 2013 11:21 am

I live in Orlando Florida. My dad died and left me him house. The house was condemned and needed work to get the condemned left and to make it livable. I got a small amount of money left to me by his insurance which I used it to give my dad his last wish on burying him. I could of used the money he left me with his insurance on getting the repairs done but I am not that selfish and the taxes on the house was 2 year behind and for 2012 I could not claim homestead, so I had to pay full amount. In August 2012 I started receiving my SSI disability which is only 710.00 and since I have had to keep money out each month to pay the 2012 taxes on the house and also take out for 2013, I did file homestead for 2013. I also have other bills to pay for with the income I receive I am not able to afford a roof. It also needs an air conditioner for the summer heat. Upon moving into the house I seen 2 spots that looked as if the roof had been leaking. On one storm we had a tree had fallen onto the roof leaving a hole which is now starting to rot. I call 4 roofers out and the lowest was 2700.00 and that was for the shingles and labor. (Not including any wood that needed to be repaired) which was told about 6 sheet of plywood & Labor to install that would be added to the estimates. The house is only 950 sq ft and the roof size is 1120 sq ft. I was told by all that the shingles was really bad and needed replacing. I just don’t have the money to do it. I see people getting help from light bills to building new home and I have not received any help in over 10 years and that was for a light bill. I have put money into the house to get it livable and I will be able to maintain the house with my income because the house is paid for with nothing owning on the house, but paying out to put a new roof on it would be impossible. The house is also on stealth's and the stairs going to the front door and only was into the house needs new stairs..Please I am asking who can I get help from as I don’t want to get a loan cause I would not be able to pay it back. The house is paid for and I have seen people get loans and mortgage and later loose their home. If you or you know of a place that can help with these small repairs please help. I really don't have family my dad raised me and my mom mentally abused me as a kid and I can't forgot the things she has done to me. I have been forever damaged by her abuse. I did finish school and did college but an accident with a semi cause medical problem and I was not able to work in the field I graduated from college for. That made things harder on me cause I went through the trouble to go to college and graduated then I could not do the work. Plus I have a heart condition has makes my blood pressure go too high and too low putting me in the hospital alot. My dad just died from a heart condition. I really don't want to loose the house after I have gone so far to get it back to where I can live in it. It is the only place I have if not I would be homeless. My dad left it to me cause he knew I was do things right in my life and of my medical condition he knew I would not be able to work for awhile and did not want me on the streets. I have always been raised to help people but when I need help most no one seems to care and always walks away..UNLESS they are getting something from it. Please if someone could reach out and help me with these repairs it would be a blessing". Thanks. Like I said I could of used the money my dad left me on myself but I chose to give him his wish on how he wanted to be buried. I have contacted all resource's I know and have been turned down due to no funds. The only one that will help is USDA but it’s a loan and if my credit is bad they can not help and me being on SSI and trying to reach out for help I can say my credit is bad that’s why I am not getting a loan myself from other ways due to bad credit or low credit score.

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Re: need help to get a loan to replace my air conditioner & furn

Post by Instant » Fri Oct 21, 2016 8:48 am

I would be very interested in a new AC unit but don't have the funds upfront. Right now I cannot get my own financing to take out a loan, but would be able to make payments of no more than $150.00 per month. Do you have any programs like this available? Also I am interested in debt counseling if you have this available.

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Re: need help to get a loan to replace my air conditioner & furn

Post by Admin » Thu Jan 26, 2017 11:05 am

$150 a month is more than enough for an air conditioner unit. So we are not sure what you are talking about. In fact, an entire unit may only cost a few hundred dollars. But if you are still concerned, then try a free air conditioner program in your community.
Instant wrote:I would be very interested in a new AC unit but don't have the funds upfront. Right now I cannot get my own financing to take out a loan, but would be able to make payments of no more than $150.00 per month. Do you have any programs like this available?

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