A few years ago I bought a small apartment for my family on a mortgage. My wife and I have two small children, a girl of 4 years old and a boy of 7 years old. They dream of their little corner in the apartment. And everything was fine, the money I earned was enough for life and repayment of the mortgage. I was not officially a rabbil and paid me stably and in full for my working hours. But at the beginning of 2019, I became seriously ill and could not work for 3 months. Since I did not earn anything, I could not pay for the mortgage. And the bank offered to take another loan (on unfavorable conditions for me) to pay off the debt, which I did. While I was sick, I was reduced my salary and accrued fines for not completed work that I took before the illness. I did not receive money for the last work done and turned out to be due. When I arranged, there was no such arrangement. I immediately left this job, and could not find a new job with the same income level. We reduced the cost of food and virtually eliminated the cost of clothing, excluded any entertainment (In this mode, we have been living for 6 months). The measures taken to save the family budget were not enough, but there was nothing more to reduce. After a while, we no longer had enough funds to secure two loans, debts began to accumulate. And now my family is close to losing the only housing. Since our apartment is simple and not very good, there is no way to exchange for a simpler one and make the difference to pay off the debt. Banks do not want to find a profitable solution for both parties and do not restructure loans. It’s easier for a bank to take out housing and sell it at auction. I turned to the government of our country with a request to help with the current situation, but I was refused, they say it’s my fault that I did not calculate my capabilities. Relatives and friends helped as they could. I tried to find help in the interior of the country, but found only scammers. I ask for help from everyone who sees this, because I have lost hope for help from the side of our government and fellow citizens.
Currently, total arrears, including late fees, are approximately $ 50,000. Please help because I can’t cope with the situation on my own. Constant thoughts of eviction are introduced into diplomacy.
Thanks to everyone.