Foreclosure...

[goofynina]

I just got off the phone with my mortgage company and let's just say, it didnt go well.  Does anyone have any tips they can tell me on how to stop foreclosure?  I am sure he was just doing his job but he started telling me to shut off my cable, get rid of my cell phones and get this, he told me to get rid of my internet    THAT'S when i lost it     Let's just say i gave him a piece of my mind, a good piece at that, now i am thinking i should've bitten my tongue    Well, the good news is, if we do lose our home and become homeless, we just might be able to make the Vegas trip    But to be honest,  i love my house, i want to keep my house and damn this disease anyways 

[angela515]

So sorry Susie... I dont have any advice, hopefully someone has more to offer. 

[Falkenbach]

I have no advice or knowledge, but can only offer this:   

Wishing you the best for a good outcome. I'm also struggling with my mortgage, and I love my home too.

[Zach]

Here is some information:

http://www.hud.gov/local/ca/homeownership/foreclosure.cfm

[Chicken Little]

I'm so sorry you're going through this.  I hope it works out and you get to stay.   

[Joe Paul]

Sorry to hear of your troubles Goofy, look through this list and see if one of these agencies can help. I am sure one of them can, just call and explain your situation. Hope it helps http://www.hud.gov/local/ca/homeless/commaction.cfm

[Amanda From OZ]

Sorry to hear about your troubles susie. I also have no advice for you because i do not know much about it.

Hope it all works out ok.

Amanda
xxoo

[KICKSTART]

Again i cant help you with rights , but here in the UK we have places that give free advice , have you any there ? It might be worth a try , it sounds like you need someone fighting your corner for you. I hope it works out well for you , i know what its like , not to be able to relax and settle down only to well. You need your home , you need to feel secure. !

[Ken Shelmerdine]

OMG Susie that's terrible! surely they can't thow you out on the street? Can you come to any arrangement with the mortgage company where you pay less for a couple of years until you get a bit better off financially? Can your family help you? The cheek of those sons of bitches telling you to get rid of your internet. Whatever happens don't lose touch with us. IHD woud never be the same if we couldnt get your posts. Hope this resolves.

[tamara]

Good Luck Susie in dealing with this. Don't give in without giving it a good fight, find all the resources out there that can help you.

[Sluff]

  

JoePaul that looks like an excellent site, and I just want to add one thing. Susie you need to contact Social services and get information on  legal aid society in your area. If nothing else they would know the Americans with disabilities act. There maybe some help through them.

Worst case scenario, it takes 6 months to legally get you out of where you are now (at least that's the way it is in Wisconsin). I know that's not what you want but if it must go that way you will have some time to save up for a less expensive form of housing.

{{{{Hugs to you Susie}}}}

[Sara]

Oh no!  Let us know what you are able to find out.  The only thing I can really suggest is checking out www.frugalvillage.com/forums because those ladies are really, really good with coming up with money-stretching ideas, and some of them have been facing foreclosure also.   

[Hawkeye]

Sorry to hear about your housing situation.  It is a horrible feeling knowing they want to throw you out like that.  As others have posted I would check out the local government housing website and see if there may be help available to keep you in your home.  Also like Sluff said there has to be something that can be done because of the Americans With Disabilities Act, try talking with your centers social worker they may have leads you can follow up on.  No matter what though any help you get they are all going to tell you that you have to budget better and trim the fat when it comes to spending.  Extras such as cable, cell phones, internet, eating out...etc will either have to go or be switched to cheaper packages.  You could always start by getting rid of the movies channels if you have them and switching to basic cable, switch to a cell phone package with less minutes and less extras, start doing all grocery shopping at Aldi or other discount grocers.  If you aren't already doing these things it may help.  At least if you try this you may not have to get rid of everything, just slim it down a bit.  I know that's not what you want to hear but unfortunately that is probably be the way it will have to go unless you can get assistance from family and friends to get you back on your feet or find cheaper housing.  It's not fun and it's not luxurious, but it keeps you going.  Good luck and keep us posted.

[Ohio Buckeye]

I'm sorry to hear about this Susie and hope things work out for the best for you.

[goofynina]

Thank you all for your concern and for the good info tips and links, i will keep you all updated as soon i find out what the hell we are going to do    I love you all so much 

[skyedogrocks]

I'm so sorry that you have to go through this!

Any chance you can claim bankruptcy?  If you are unable to do that and truly can't afford your house, I would try selling it before you got to foreclosure.  Hopefully you can get some money from it and then try renting. 

Some great sites are:  http://www.daveramsey.com/ - He pulled himself out of debt and now has an online radio show on daily from 2-5 est.  It's really good.

Also check out http://suzeorman.com/ - You can get her books at the local library for free.  She is great.

I went into debt after my first marriage, these 2 sites really helped me turn my financial life around!  They really helped me get out of debt. 

Good Luck!

[Wattle]

   Hang in there Susie. Don't go down without a fight.     Use all the resources available to you, including Kitkatz BIG stick.   

   Thinking of you.

[glitter]

with the ridiculus amount of foreclosures happening thanks to the 'real estate boom' you should be able to talk your lender into seriously cutting the interest rate temporarily. Our lender offered us 0% interest until we could get back on our feet several years ago-as long as we did not let it foreclose.  It lowered our payment over 600 a month... ask about deferring payments until the end of the mortgage-sometimes they will do that too.

[Sluff]

with the ridiculous amount of foreclosures happening thanks to the 'real estate boom' you should be able to talk your lender into seriously cutting the interest rate temporarily. Our lender offered us 0% interest until we could get back on our feet several years ago-as long as we did not let it foreclose.  It lowered our payment over 600 a month... ask about deferring payments until the end of the mortgage-sometimes they will do that too.

There are many companies out there that will do that. I can't think of them off the top of my head but they advertise all the time on tv.

[kidney4traci]

Susie, so sorry, this is a stress you don't need!  I just read through the posts and there are lots of good sites and advice for you to follow up with.  What about your church? 

[KT0930]

Susie, I'm so sorry. I wish I could offer more, but you are in my thoughts and prayers.

[Zach]

with the ridiculous amount of foreclosures happening thanks to the 'real estate boom' you should be able to talk your lender into seriously cutting the interest rate temporarily. Our lender offered us 0% interest until we could get back on our feet several years ago-as long as we did not let it foreclose.  It lowered our payment over 600 a month... ask about deferring payments until the end of the mortgage-sometimes they will do that too.

There are many companies out there that will do that. I can't think of them off the top of my head but they advertise all the time on tv.

BEWARE, many of those companies which advertise on TV are predatory firms trying to rip you off.  Only use groups recommended by HUD and other government agencies.

[Sluff]

with the ridiculous amount of foreclosures happening thanks to the 'real estate boom' you should be able to talk your lender into seriously cutting the interest rate temporarily. Our lender offered us 0% interest until we could get back on our feet several years ago-as long as we did not let it foreclose.  It lowered our payment over 600 a month... ask about deferring payments until the end of the mortgage-sometimes they will do that too.

There are many companies out there that will do that. I can't think of them off the top of my head but they advertise all the time on tv.

BEWARE, many of those companies which advertise on TV are predatory firms trying to rip you off.  Only use groups recommended by HUD and other government agencies.

Thanks for the heads up Zach. I wasn't aware of the scams.

[tubes]

Susie, my dahling, my love...I'm so sorry to hear about this.  If worse comes to worse you can shack up with me.    In the meantime, I'll send ur socks back, can't have cold toes now can we?!?!

Seriously, Zach is right.  You should check with HUD your SRS office or Social Services or something to that nature. 

xoxo,
Roberto

[Earlinda]

Oh Susie girl I just read this posts and wish I could do something.  I am kinda in the same spot you are and know that all this dialysis stuff sucks rocks without having to go through financial worries too.  I hope that things turn around for you soon and hope that you find some resources to help you and Sam out.  Neither one of you deserve to be having to go through this.  You hang in there girl and know that you are in my thoughts!!!!!! 

Love,
Earlinda