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Last Updated: December 5, 2025

Foreclosure Assistance after Flood Damage, Relocation and Job Loss

I am seeking help to save my home, my vehicle and funds to sustain me while I seek employment. I am asking if I can get help in the amount of fifty thousand dollars ($50,000) . The balance on my mortgage and what it will take to pay my car off and get my house repaired.

I work for an organization that exists in every city and state in this country. I had just recently moved to live with my Son and his wife until I was able to afford my own place. I own a property in a different state that I was hoping to fix up to rent out, I am divorced and needed the residual income. The house is old and worth under $100.000.

In July of 2024 I went to check on the property and discovered that it had flooded. And because of the flooding, it created a mold situation that needed to be resolved right away. The city told me I needed to call a government agency  because it was declared a disaster.

I contacted them and they said that they could help within a couple of weeks. I went back to inform my boss that I needed to return to deal with this situation, and returned in almost two weeks. The process of dealing with this government agency was very daunting and stressful they were not following through on their promises and not forthcoming. After speaking with them about me living in another state and needing to get things resolved, I was informed that as the Homeowner I needed to be in or near the home because they couldn’t give a time when the inspectors would arrive and if I wasn’t there when they arrived or could not get there within a reasonable time frame they would move on to their over four-hundred thousand other cases they had and they could guarantee when they would get back to me;  Plus I needed to be there to show proof of ownership and personal identification. So I needed to stay a little longer.

I contacted by bosses to let them know and told them that I needed to use my vacation time. I also told them that I would go to the local office to speak with the manager about doing a work detail so that my attendance would not be affected.

When I visited the local office the Manager approved the work detail and gave his full consent for me to work here as long as I needed to. I contacted my bosses to let them know but my manager who was new to our office (whom I have never met) wasn’t familiar with work details and didn’t want to be bothered sent word that I could not do the detail.

I tried contacting him to explain what my instructions were in order to get assistance and to let him know I needed  more time but didn’t know how long. I also wanted to let him know that the detail was approved by the union and the top guy and all he needed to do was put in the finance number so I could get to work. He ignored my texts, my emails, and phone calls so I called his boss to see if he would assist.

This angered him because he didn’t appreciate me “going over his head”. He has refused to allow me to work and started demanding I immediately return. I told them that I would use my vacation time while I waited, I used that up then I ended up using my sick time so I ran out of all of my paid time off.

The main boss’ assistant got involved and acted like she was putting things together for me to do the work detail but I found out they needed to wait for me to use up all of my vacation and sick time before they started sending demand letters. I could not just leave, and by that time I could not even afford to return because I don’t have enough money, my car needs fixing before putting it on the highway.

I decided to transfer here, which was one of the suggestions to me but when my transfer came through last month because they have entered bad comments in my permanent file it is preventing me from transferring or working any where within the organization.

I received my last paycheck in March and have been doing all I can to keep myself afloat, I work, Door Dash, Uber Eats, and Spark to make ends meet. I am constantly looking for work and am wearing my vehicle down, I have had to replace three tires in a short amount of time. I have bills that I cannot pay, some of which have gone into collections, my credit score has tanked and I don’t have enough income to get approved for a loan anywhere.

After waiting for assistance for months I had to put in an appeal because the damage to my home was over eighteen thousand dollars. I am in the process of foreclosure and my first court appointment is December 17th, I would like to pay off my mortgage before that court date because they might choose to foreclose thinking i cannot afford to keep it. I have saved up enough to catch up on the arrears which are ($6, 983.00) but they won’t accept the payment, they added over four thousand dollars for attorney’s fees bringing the total to ($10,722.00) and I need to pay the full amount. I can pay my mortgage and car note with what I earn from the driving apps but I need assistance getting out of this hole.

I have never heard of this sight, and have never been in this predicament where I need so much help but it is a great thing to have and I will most definitely be donating when I get on my feet.

Filed Under: Mortgage Tagged With: USA

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