Facing a foreclosure

Find mortgage help and stop foreclosure.
lucylew
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Facing a foreclosure

Postby lucylew » Fri Oct 01, 2010 8:44 am

My husband was down sized from Walmart after 12 years and is now unemployed with Walmart, I myself am waiting for a new restaurant to open hopefully by the end of this week. I have 2 teens as well that have been looking for employment so they too can contribute to our household to no avail have they been able to find employment. My husband has numerous applications out but no leads. We are behind 2 months on our utilities our electric is due to be cut off tomorrow the 29th, 3 months behind on our mortgage we are in foreclosure, now car insurance is going to be canceled which will be another issue I will not be able to drive to work when the restaurant does open.

My children will not be able to drive to seek employment nor my husband if he ever gets a call back from the several applications he has put out. We have always been self sufficient, and have always figured a way to stay on top of our bills even when uexpected circumstances arose, we are law abiding citizens, we pay our taxes, and have never lived beyond our means and have always helped those less fortunate or in need maybe not in monetary but in other ways. I do not want to lose our home to this foreclosure.

I earn extra money on the weekends doing respite care for my physiccally and mentally challenged sister not so much for the money but to help my parents out and give them a break so they can get a little repreive and rest my sister Maxine is not very easy to take care of. ince I volunteer to help my parents out my Mother said I should apply for respite and get paid for it so after several years of her asking I finally did the money isn't much but does help and helps my parents as well getting a break. Now my downstairs bathroom has caved in there is some kind of leak under the house and can be difficult at times walking my sister up and down the stairs so she can use the restroom. Randy my husband had crawled under the house and started to fix it but unfortunatlly was in a car accicident he was a passenger and is now gong to therapy 3 times a week he has issures with his back neck hips and shoulder he had titanium put in his neck several yearsago for deteriating dics in his neck. We are now with a huge whole in the bathroom floor and I have tried to cover it up as best I can until the work on it can be finished. I try to keep positive and pray eveyday and not let on to our children how we are slowly drowning, and can loose everting we have like so many other families in need. My husband and I thoug still continue random acts of kindness for those less fortunate. we just need a little help keeping us above water, saving our home from the foreclosure we face, until that job is finally found for Randy and ur children. Thank you for listening

erinwoji
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Re: Facing a foreclosure

Postby erinwoji » Mon Oct 04, 2010 9:08 am

Sept. 30, 2010

Good Morning:

I was up early looking for help to heat my home this winter. I am also about to lose my home to foreclosure.

My husband is a stroke victim,
I have no income,
I owned a day care business and close it in Sept 2009 due to the slow economy as business was done so much, and I couldn't pay the bills or debts.
I am in early stages of foreclosure, but trying to work out a plan to save my home,

I am extremely concern because I have no means of paying for heating oil this season!

Can you please help me?

I live in New Rochelle, NY 10801


My grandchildren who are twins, their ages 4yrs old and October is here and the weather can get cold soon.

I need help!

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Re: Facing a foreclosure

Postby Admin » Tue Oct 05, 2010 8:59 am

Sorry to hear this story. What state or area of country do you live in? Millions of people are losing their homes to foreclosure, and it is sad and difficult. Have you ever hear of foreclosure mediation programs? These are programs in which a homeowner will work with a trained mediator, who will work with both your lender and you to try to find a solution to your housing issue or crisis. The mediation programs exist in most states in the country.
http://www.needhelppayingbills.com/html ... grams.html

lucylew wrote:My husband was down sized from Walmart after 12 years and is now unemployed with Walmart, I myself am waiting for a new restaurant to open hopefully by the end of this week. I have 2 teens as well that have been looking for employment so they too can contribute to our household to no avail have they been able to find employment. My husband has numerous applications out but no leads. We are behind 2 months on our utilities our electric is due to be cut off tomorrow the 29th, 3 months behind on our mortgage we are in foreclosure, now car insurance is going to be canceled which will be another issue I will not be able to drive to work when the restaurant does open.

My children will not be able to drive to seek employment nor my husband if he ever gets a call back from the several applications he has put out. We have always been self sufficient, and have always figured a way to stay on top of our bills even when uexpected circumstances arose, we are law abiding citizens, we pay our taxes, and have never lived beyond our means and have always helped those less fortunate or in need maybe not in monetary but in other ways. I do not want to lose our home to this foreclosure.

I earn extra money on the weekends doing respite care for my physiccally and mentally challenged sister not so much for the money but to help my parents out and give them a break so they can get a little repreive and rest my sister Maxine is not very easy to take care of. ince I volunteer to help my parents out my Mother said I should apply for respite and get paid for it so after several years of her asking I finally did the money isn't much but does help and helps my parents as well getting a break. Now my downstairs bathroom has caved in there is some kind of leak under the house and can be difficult at times walking my sister up and down the stairs so she can use the restroom. Randy my husband had crawled under the house and started to fix it but unfortunatlly was in a car accicident he was a passenger and is now gong to therapy 3 times a week he has issures with his back neck hips and shoulder he had titanium put in his neck several yearsago for deteriating dics in his neck. We are now with a huge whole in the bathroom floor and I have tried to cover it up as best I can until the work on it can be finished. I try to keep positive and pray eveyday and not let on to our children how we are slowly drowning, and can loose everting we have like so many other families in need. My husband and I thoug still continue random acts of kindness for those less fortunate. we just need a little help keeping us above water, saving our home from the foreclosure we face, until that job is finally found for Randy and ur children. Thank you for listening

Kenmac
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About to foreclosure

Postby Kenmac » Sun Oct 31, 2010 1:45 pm

my name is shanda fields and i have been layed off and the job i had before had closed down and that made me further behind with my mortgage payment now they are about to foreclose on my house cause i can't pay now and catch up paying what i owe too so is there any help i can get with my mortgage payments or another place for me and my 4kids to stay if they foreclosure.please call me

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Re: About to foreclosure

Postby Admin » Wed Nov 03, 2010 1:45 pm

I think one of the things that most homeowners do not realize is that they can often get free legal advice to help with foreclosure and debts, such as payday loans and consumer credit. Most of the firms are government funded, but regardless, they have helped thousands of homeowners over the years save their homes, avoid evictions, etc. If you were laid off from your job, they can even ensure you are entitled to full unemployment and that your legal rights are protected.
http://www.needhelppayingbills.com/html ... dvice.html

Kenmac wrote:my name is shanda fields and i have been layed off and the job i had before had closed down and that made me further behind with my mortgage payment now they are about to foreclose on my house cause i can't pay now and catch up paying what i owe too so is there any help i can get with my mortgage payments or another place for me and my 4kids to stay if they foreclosure.please call me

l.roy98
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Re: Facing a foreclosure

Postby l.roy98 » Sat Nov 20, 2010 10:43 am

I live rent free on family land,have been here over 45 years, owned by a sister. which is going into foreclosure.I have bad credit.No job due to illnesses and no savings.No one to take me in.My adult son lives with me but he is laid off from work and has no cash.His unemployment is pending, he only made about $8,000 all year so it wont be enough to get us even rent payments somewhere even if it is approved.And if we cant find work when unemployment is used up were homeless again because we cannot pay rent,so we need our own home. We are trying to get an interview for food stamps.We have no government cash help and do not qualify it seems. I asked help from churches,acquaintances.no help. I am terrified.I found a cheap house under 5,000 dollars but cannot get the cash,not even 5.00 dollars for it. With no cash,no job,no place to go,do you know of anyone who will buy me that house?It is a century 21 sale, .We would gladly pay it back when we regain employment.Or do you know of any guaranteed help anywhere.? My utilities are in disconnect warning.

Thomas
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Foreclosure court date

Postby Thomas » Tue Nov 23, 2010 9:09 am

I am a single mother of four small children who also has disabled mother residing in home. We are currently going through a foreclosure with a court date rapidly approaching. I have found a new home to reside in however i currently do not have all of the funds needed to move into the house. I work part time and most of my income is from child support. I am currently looking for any assistance that i can qualify for in Orange County California. I greatly appreciate any help advice or information that can help my family and I. Thank you in advance for your time.
Rachael

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Re: Foreclosure court date

Postby Admin » Thu Dec 02, 2010 10:04 am

There are several mortgage and foreclosure programs in California, and they support Orange County homeowners too. You can try mediation, or the new hardest hit fund in California. Even at one time California implemented a foreclosure moratorium, trying to slow down the pace and number of filings.
http://www.needhelppayingbills.com/html ... tance.html

Thomas wrote:I am a single mother of four small children who also has disabled mother residing in home. We are currently going through a foreclosure with a court date rapidly approaching. I have found a new home to reside in however i currently do not have all of the funds needed to move into the house. I work part time and most of my income is from child support. I am currently looking for any assistance that i can qualify for in Orange County California. I greatly appreciate any help advice or information that can help my family and I. Thank you in advance for your time.
Rachael

softgen
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Re: Facing a foreclosure

Postby softgen » Thu Aug 11, 2011 7:42 am

I have been face with a financial hardship due to the lack of business opportunities for my business and the enability to secure a full time or part time position. I have been faced with foreclosure, the lack of income to pay car notes, utilities and other monthly obligations. I need any and all the financial assistance that you provide. Please give me a call

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Re: Facing a foreclosure

Postby Admin » Mon Aug 22, 2011 9:11 am

Many mortgage hardship programs are offered by states, non-profits, and HUD agencies. We have comprehensive list of mortgage and foreclosure prevention programs, by state, on the main site. And every month more and more local government are adding to the options. Read about state mortgage assistance programs and resources.

softgen wrote:I have been face with a financial hardship due to the lack of business opportunities for my business and the enability to secure a full time or part time position. I have been faced with foreclosure, the lack of income to pay car notes, utilities and other monthly obligations. I need any and all the financial assistance that you provide. Please give me a call

Perry
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Re: Facing a foreclosure

Postby Perry » Sun Oct 16, 2011 2:27 pm

I need to speak with someone regarding assistance with any mortgage programs and preventing a foreclosure. I was out of work for 2 plus years and just got back to work a little over a month ago. I am trying to keep my home but cannot qualify for a loan modification. Can you please call me to further discuss.
Sincerely,

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Re: Facing a foreclosure

Postby Mograni12 » Mon Oct 24, 2011 7:30 am

I AM FACING A FORECLOSURE IN NJ. NJ FIRST TIME BUY ER MORTGAGE 4.25 RATE. APPLIED FOR MODIFICATION AND RECEIVED MODIFICATION HOWEVER COULD NOT GO FORWARD SINCE EX HUSBAND WOULD NOT SIGN PAPERS. HAD A HUD COUNSELOR, TRIED TO MAKE AN OFFER OF PAYMENT, BUT BANK OF AMERICA IN ILLINOIS WILL NOT ACCEPT ANY NEGOTIATIONS. I WON THE HOUSE IN THE DIVORCE, I AM THE DEED HOLDER BUT HE IS ON THE MORTGAGE. I AM GAINFULLY EMPLOYED IS A SHORT TERM REFINANCE PROGRAM A VIABLE OPTION, OR AGAIN AM I LOOSING. THANKING YOU IN ADVANCE FOR YOUR HELP. SINCERELY

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Re: Facing a foreclosure

Postby Admin » Mon Oct 24, 2011 7:48 am

We do not communicate via phone here at our organization. Only emails. If you want to speak to someone regarding your mortgage, we suggests a not-for profit HUD counselor. Most of them offer free foreclosure prevention and assistance, and their advice is very effective. Tens of thousands of people have their homes saved every year from a wide variety of HUD foreclosure programs and agencies. Offices are located in every state.

Perry wrote:I need to speak with someone regarding assistance with any mortgage programs and preventing a foreclosure. I was out of work for 2 plus years and just got back to work a little over a month ago. I am trying to keep my home but cannot qualify for a loan modification. Can you please call me to further discuss.
Sincerely,

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Re: Facing a foreclosure

Postby Admin » Mon Oct 24, 2011 7:51 am

We do not understand how could ex husband not sign papers? What did divorce attorney say. You need to force him to sign any type of modification papers or forms. In the meantime, look into a wide variety of New Jersey mortgage assistance programs and solutions. Most are offered by the state, such as the Homeownership Preservation Refinance Program (HPRP) 1-800-446-7467 or the New Jersey Mortgage Mediation Assistance Program.

Mograni12 wrote:I AM FACING A FORECLOSURE IN NJ. NJ FIRST TIME BUY ER MORTGAGE 4.25 RATE. APPLIED FOR MODIFICATION AND RECEIVED MODIFICATION HOWEVER COULD NOT GO FORWARD SINCE EX HUSBAND WOULD NOT SIGN PAPERS. HAD A HUD COUNSELOR, TRIED TO MAKE AN OFFER OF PAYMENT, BUT BANK OF AMERICA IN ILLINOIS WILL NOT ACCEPT ANY NEGOTIATIONS. I WON THE HOUSE IN THE DIVORCE, I AM THE DEED HOLDER BUT HE IS ON THE MORTGAGE. I AM GAINFULLY EMPLOYED IS A SHORT TERM REFINANCE PROGRAM A VIABLE OPTION, OR AGAIN AM I LOOSING. THANKING YOU IN ADVANCE FOR YOUR HELP. SINCERELY

ILoveMyHorse
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Re: Facing a foreclosure

Postby ILoveMyHorse » Wed Jan 25, 2012 9:56 am

Hello. I am inquiring about obtaining assistance in Indiana. I am facing foreclosure due to back property taxes and must come up with $12,700.00 somehow by January 30, 2012 or my family will become homeless. I paid off my home but due to unemployment, caring for my mother who suffered a major stroke then soon after she passed away, taking care of my elderly father who had major medical issues as well, I just got really behind paying my property taxes. I can't seem to get a loan against my home (I have been working temporary staffing jobs - apparently banks don't like my current situation). I have a s/o who has a disability and may have to go under social security. I will most certainly appreciate any leads.


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