Behind on mortgage payments

[Laz]

I currently live in Spring Haven development and have been approved for Food Stamps. Unfortunately I have no resources to pay any bills inc., Electric, water, or car insurance. I am also behind on my mortgage. I am now on disputably and receive $786/month. My mortgage payment alone is $757.72 so I am in trouble. That leaves me with $28.28 to pay all my bills! I cannot hold on much longer. I need help and am confused going thru all the webpages and links. Someone please help!!!!

[Admin - Jon McNamara]

There is a national agency known as The National Association of Real Estate Brokers-Investment Division, Inc., Housing Counseling Agency (NID-HCA). This group helps homeowners across the nation in dealing with housing issues. They can provide foreclosure prevention tactics and ideas, and can guide people through the various mortgage and foreclosure programs that exist today. They can help get fees waived, reduce interest rates, and provide other solutions to homeowners who need help. they even offer some legal services.
http://www.needhelppayingbills.com/html ... om_ni.html

I live in Madison, Mississippi. I am in desperate need of help. I am 5 months behind on my mortgage and also struggling just to pay the utilities. The past 3 months my electric bill as more than tripled. My son and I are having to share the same car. He is in college and I am trying to rebuild my clientele in the salon. I have applied for childcare assistance and waiting to hear back from them. My oldest son is caring for his baby brother (2 yrs old almost 3 yrs old) when he is not in school so I can try and work. If and when the childcare comes through then he will not have a way to get back and forth from school. I do not know where to turn at this point. I need help. Also I have called several times to this place that is suppose to help with utilities and they say someone will call me but nobody has. I have called another place that is suppose to help with rent or mortgage and they say that they do not have any more funds available through Oct. Can you help me? Thanks and God Bless

[Thomas]

I live in Madison, Mississippi. I am in desperate need of help. I am 5 months behind on my mortgage and also struggling just to pay the utilities. The past 3 months my electric bill as more than tripled. My son and I are having to share the same car. He is in college and I am trying to rebuild my clientele in the salon. I have applied for childcare assistance and waiting to hear back from them. My oldest son is caring for his baby brother (2 yrs old almost 3 yrs old) when he is not in school so I can try and work. If and when the childcare comes through then he will not have a way to get back and forth from school. I do not know where to turn at this point. I need help. Also I have called several times to this place that is suppose to help with utilities and they say someone will call me but nobody has. I have called another place that is suppose to help with rent or mortgage and they say that they do not have any more funds available through Oct. Can you help me? Thanks and God Bless