I made mistakes financially.  I tried to fix them.  That made it worse.  I took out payday loans, and while they had an instant help, they have made every payday even worse.

Our house was foreclosed.  Through the grace of God, we are still living in the house.  It is now owned by a real estate company.  The house is for sale for $39,900.  If we can come up with the money, we can buy it back.  We have lived in the house for nearly 20 years.  Again, I made bad choices with money and have put my family in an awful spot.

We are good people.  I have been a volunteer youth spots coach.  My wife and I both work at schools.  We just made bad financial mistakes.  I am asking for help to save us.  The choices I made to  help us, just hindered u s.

If anyone can give a large amount, a small amount, any amount I would be eternally grateful.  I came to this site after praying, and I believe God sent me here to find the right help.

We have had issues with medical debt and credit card bills that helped put us where we are.  COVID was tough on both of us.  I was hospitalized with double pneumonia.  Very scare time.  I was honestly not sure I would make it out of the hospital

We have tried to put on a happy face.  We have helped others when we can.  Another mistake was not helping ourselves and taking care of ourselves, and that has landed me here.  Trying to do things my way, instead of God’s way has put us here.

The one major bright spot is that through this, I have discovered God.  I recently turned 48 years old, and it has taken me this long to actually have a true relationship with the Lord.  I believe it was my prayers that sent me to this page, and I believe it is through those prayers that I will find relief of this debt.

I believe that this is going to be part of my testimony when I tell others how I made a miraculous comeback through Jesus.  I serve a supernatural God and that he will lead traffic to this page to make this happen.  Thank you to all of you who have taken the time to read this.  Thank you for all of you who will be offering help to save my house.

Paypal me link paypal.me/financesareshot   it will say Villa Grove Elite as that was the softball team I was coaching and we had changed my personal paypal to recieve money

I am a 67 year old male.  I had to pay my home equity and an opportunity came which offered me a way to pay for that bill.  I, living alone and desperately in need of funds to pay my home equity, fell for what amounted to as a scam and was out of several 1000 dollars which made me broke so I couldn’t pay my bills.  The scammers took advantage of me by offering to pay my bills provided I give them a cash sum.   I felt like committing suicide but that is not the answer to solving my big problem of paying for my living expenses.  I am writing this because I despirately need help and would be greatful for whatever I can get.  I am a disabled US Army veteran and am trying despirately to get funds any way I can so I can be solvent and be able to take care of my living expenses.  I did do a police report on the scammers but I couldn’t properly ID them as I was told they used fictitious names to not be caught.  I am now trying to survive financially but it is hard.  Please help me in any way you can.  It would be greatly appreciated.

So to begin, my brother and I lost our home due to foreclosure. We are elderly and both have health issues and cannot work at the moment and this is why we lost our home. We were living in my brothers car with whatever belongings we were able to fit in the car. We were driving and someone hit us and the car is no longer driveable so they towed it with our belongings in it and we then at that moment had no where to go or sleep. There was a Holiday Inn a block away from where we got hit and we were able to speak with the sales manager and tell her what happened and all the money we did have is gone because she gave us a very cheap rate and is now letting us stay but we owe the hotel money and do not have it. We need money for food and also to find ourselves a place to stay. We would so much appreciate any donations. This is something we never expected to happen and my brother is now in the hospital with a leg infection and high blood pressure. If you could please help us we would one day pay it forward to someone else. God bless you!

Maryann and Tom

https://www.paypal.com/paypalme/maryannsliwa

Picture Taken in 2020 in the winter.

Hello,

Thanks for taking the time to read. It may be long but I will try not to get long-winded in my request and stay to the facts as best as possible.

In short, we got a pre-foreclosure notice on 10/28/22 and our mortgage arrears are $9,963.03, how did we end up this way? We made too much for any assistance and the bills kept coming in. Our old Jeep which was 1999 became unsafe to drive so we had to get another vehicle, we need it where we live with no public transportation. So we bought a newish car for us, the newest one we ever had! A 2015 Subaru forester, thanks to Toyota for financing that for us! That loan was only $12,000 since it had high miles, but we had no choice, had to get something safe! Which is paid on time and we got that in Nov. of 2021. Then in 2020, my husband did not lose his job in manufacturing but the hours became slow and overtime went away and prices kept climbing on fuel and groceries. So we were trying to balance all our bills and be able to afford gas and food to eat.  We were making payments normally and even paid extra when we could on it to drive down the past due but that was not enough I suppose and the servicer would not work with us on any modifications or loss mitigation. They sent us an act 91 notice and said the balance has to be paid with no other options. Our house loan total is only $31,000 as we live in a very rural community! I did apply for some extra help with my state but I am not sure how long that can take and even thought about talking to a lawyer but not sure I will have the money for one and even thought about the dreaded bankruptcy option (scary thoughts there). We barely have any food in our house but may be able to get help with that in Nov. fingers are crossed!

But I will give you details about our family, my husband works and provides for us and had the same job for 19 years! Yes, 19 years! He recently changed jobs in April of 2022 and got a slight bump in pay that equals to $19.51 an hour, In his old job he was making $17.79 after 19 years and he wanted to move on to something else, he works a blue-collar job in manufacturing. My whole life I had family in blue-collar work and the same for his family so we never lived a lavish lifestyle when we were growing up our parents never owned a house and always rented a house. My husband works hard and is usually the one to keep it together but he is now depressed and that is unlike him! I am usually the depressed anxious one but I am trying to be strong for him! I currently do not work a normal job but I do sell on Etsy and try to sell crafts on the side to bring in some extra money (all reported to the IRS, I never mess with them). But it is not much, some weeks it’s $50 or less from Etsy. I have been applying for jobs in customer service at home, the best option for me since I struggle with social anxiety badly and can barely go to the grocery store. I did customer service work at home for about 7 years prior. I applied to many jobs on indeed and nothing yet, probably because so many others are applying as well. But I keep trying! It just feels like the hits keep coming though. This year in Oct. 2022 my husband got covid for the first time and he missed almost two weeks of work and only had a paycheck of $619 bring home and when all the bills we had to pay were paid we had $185 for two weeks to by food and gas with, we even shopped at a local discount store but it didn’t stretch far. Then in the same 2 weeks, he was sick our hot water heater quit working and we had to replace that and had to ask his mom to help us with that and thankfully she paid for it and we can pay her back, that was $604 we did not have! My mom lives far away so I can’t ask her for help and she is already struggling as it is too, life has knocked her down many times. From losing my stepdad in 2010 to cancer to her losing her new husband in 2016 suddenly and issues with the IRS she had after his death and she was a truck driver and had to give up her business and move with her sister and work a warehouse job to pay her mounting debt and bills. She is getting on her feet though slowly but there is no way I want to even tell her my struggles knowing what she is going through! My husband has a brother but he is mentally handicapped. His other brothers passed away as babies (one from SIDS and one in a house fire). I have one sister but she is not financially able to help and that is all the family we have. My dad who I was pretty estranged from passed in 2020 . I had my step dad in my life from age 12 until 2010 when he passed away from cancer, that still tears me up when I think of him! He was always there to help and be supportive! He always donated to the salvation army bucket when they were out and not just dollars, he would do $20 or $50, he always helped when he was able to and I live my life the same way! He was a veteran of Vietnam as well, he was in the Marine Corps so he would try to donate to the Disabled Veterans Programs because he had part of his leg missing in the back from being blown up in a helicopter crash and he was a POW too. My mom served 4 years in the Army as well right out of high school. I try to help others when I can maybe not financially but I try to be supportive in other ways too, or offer a shoulder for them to lean on.  It just seems like our lives have always been a struggle, I had my oldest daughter when I was 17 yrs old but did finish high school, and my husband and I struggled and got by and raised her, and my other daughter I had when I was 22. We have been together since 2000 and got married in 2006. My oldest does not live at home any longer, she is out in the world on her own making it happen! My youngest is still at home, she is 16 and in a cyber school program that she has been in since she was in 5th grade. She wants to go to school to do nails, it’s her passion and she is really good at doing them for being such a young age! I just want my kids to have better and not have to grow up without a home or be wondering if they will have a home to come home to! And this house we have may not be perfect by any means it’s perfect for us! I was born with rheumatoid arthritis and some days are hard but this house has everything I will need in my older years on the first floor! The second floor is just 2 bedrooms and a half bath, so when we get older we won’t need that. Our house is modest and not flashy, it’s only 1600 sq ft. with a small and I mean small detached garage. It’s in a small town we have lived in since 2001! It’s quiet and we love it.

 

So if you could spare anything I would be forever thankful for any type of help. Even if its a penny! We have no assets to sell as we don’t own anything fancy and only have one car and we need that. Our next pay is 11/4 and I currently have $8 in the bank and I just had to pay $235 for the electric bill because I have a disconnect for 10/31 so I had to pay it, the bank will overdraft but I had to choice in that matter, thankfully the bank lets it go through but not without charge. Down to barely anything in the cupboards to make for dinners and for my husband to take to work, he works a 12 hour day and he needs to eat too. I am just praying and trying anything I can. It is not like we have great credit to get a loan, that is not possible, believe me I have tried. I hated to even write this but I found this site and thought it won’t hurt to try to ask for help, like I said, anything is helpful! We are not ones to ask for help unless its last resort, it was how we were raised to not ask or beg for anything. My girls don’t even know whats going on, as I try to not worry them.

Here is my paypal and like I said anything helps during these times.

Paypal.me/ordinarybeautydesigns

I thank you for taking the time to read this and I wish you all well.

Kristin

Hello

We are young parents of three toddlers. We are so very blessed to own a home and have healthy children. As many others, we are still financially recovering from covid. We are constantly behind on bills and have been playing catch up so much that now I am afraid we will not be able to pay our mortgage. This is the house we bought to make a home for our beautiful children. This humbling post is helping me to ask for any amount at all to put towards my mortgage and stay above water. My goal is 5,000 and I pray I am able to pay it forward one day. Thank you for reading!

https://www.paypal.com/paypalme/partyof521?country.x=US&locale.x=en_US

My name is Wesley Salvas.  My wife and I and our family live in the home that the Pioneer Investments owns after foreclosure.  We’ve lived there for over 28 years

I used to own it when it was refinanced in 2011 with Taylor Whitaker, and Bean. They then sold the mortgage to Countrywide Mortgage, who then in turn sold it to Bank of America and were given an inflated real estate value loan. It was then finally sold to Carrington Mortgage, LLC.  My father was paying the mortgage up until the divorce in 2012. 

We quickly fell behind on the Mortgage due to my mother on social security and myself being unemployed.  We just couldn’t make the payments and asked for mortgage assistance. They wouldn’tcome down low enough for us to afford.

In January of 2018 we were forced to vacate the property due to malfunctioning of the furnace which led to the pipes freezing and breaking and was forced to live with relatives. We were working with the insurance company to repair the damages when COVID happened. In March of 2019 a motor vehicle drove through the first floor of the home. The city declared that the property was uninhabitable until repaired. During this time, I have applied numerous times for mortgage assistance since now I was employed. Each time was denied due to property being vacant. Repairs was then finished end of November 2019 and was able to move back in. Explained the situation to Carrington Mortgage and still was denied, even when we came back to the property. In the meantime, awaiting the decisions for each appeal for loan modification, we were paying the utilities and homeowners insurance. In February of 2021, we received a letter, while we had a loan modification application in process, of a foreclosure sale for March of 2021. I called the foreclosure attorney and stated that a loan modification application was being processed, which Carrington later confirmed, and the sale date was cancelled. May 2021, I was alerted to a foreclosure auction being held outside my home, with no prior notice. The lawyer at the auction stated that the property was sold and that banks makes these errors all the time. I contacted the foreclosure attorney, and they were going to speak to Carrington to find out the validity of the sale. Several months went by and no notice has ever been received, nor was anything filed with the land court or registry of deeds. I was forced to file bankruptcy in December 2021. My bankruptcy attorneywas surprised nothing has been recorded and nothing had been filed in land court. So, she had to file the property as an asset. The bankruptcy was discharged on February 8, 2022, and I received a letter to quit from pioneer investments two days later. I checked the records with the registry of deeds to find that on February 8, 2022 they filed transfer documents to show the chain of custody of the mortgage from the original Taylor, Whitaker and bean to Carrington Mortgage. The same day they filed the intent to foreclose along with the foreclosure deed to Pioneer Investments.

I have two small children and an elderly mother with vasculardementia residing with me in the home. Not only dealing with a foreclosure and now an eviction, has resulted in bad depression. I was able to find my mother a nursing facility but my family and I have no where to go by the end of the month

So 1st off I would like to start with the fact I really don’t like  Asking for help.  But it has gotten to the point where it stresses me out daily and I feel like it’s taking a toll on my life for me and my children.  When I got pregnant with my son I thought things would be great we were financially in place but then my pregnancy caused a lot of health issues and it made it really hard for me to work. So me and my boyfriend had lived on one income. It was hard then 10 months ago I gave birth to my son and I almost lost my life.  I had delivered my baby boy and at that point I thought things were great until it took  A crazy turn and  I became a code mom.  I never knew what that was until it happened to me. At that point I was rushed rushed out of the delivery room into the operating room after losing a large sum of blood I woke up 14 hours later with a tube down my throat and my arm strapped the bed. Little did I know the only way to save my life was a if my life was a Emergency hysterectomy. After that my life has changed it has caused crazy amounts of pain in my stomach my stomach in just normal tasks. I have been working hard to take care of it but it is kind of tough with taking care of 2 kids.

 

I have not been able to work as much as I would like to because of all that has happened to me which has caused me to become behind on my mortgage. And now that the pandemic is “over” they they will start for closure processes soon the process is soon and and I am worried I will not be able to take care of things on pretty much one income. I have been doing my best on trying to work more but some days things just seem so hard to catch up on. I have been working since I was 12  I was a single mom at 19 Working 2 jobs to support my daughter.. I have come a long way since then I had bought a home  And was doing really well for a while. Then of course the pandemic hit most people lost jobs Including myself. As soon as I was able to go back to work after the pandemic I jumped right on it’s right on it but then I was pregnant and as I stated I had a really rough pregnancy with all my issues of health concerns and it just got out of hand since then. I am really hoping the karma I have put out in my life they will eventually come back to me.

 

I really hope that maybe someone will see this and Be the miracle I need in my life right now.

 

Thank You To whoever is reading. If you are interested in helping me out and being my miracle anything is greatly appreciated.

 

My pay pal paypal.me/missmell1004

Growing up in the middle of nowhere wasn’t the childhood dream. Being surrounded by cows, open fields, having the same 4 friends to play with put a damper on options as a child. As I grew older I started to recognize how amazing and lucky my life was. Being a sibling of 4 total I never even knew how lucky I was to have had such a close nit family in such an amazing place. After moving away to college I realized I longed for the front yard to play catch in with my older brothers, the forest of unforgiving trees that I use to climb with my little sister to escape the world, and how free and alive I felt in those moments. Reflecting back I wish I had not taken it for granted. Flash forward to April 2018, we lost our rock to the family, our mother, the woman that held all the bills and somehow always managed to keep us afloat on a maintenance man’s salary and my absolute BEST FRIEND. I was devastated. I spent a single month with her as she suffered, laid dying in a hospital bed. I will forever be grateful for that month even though I knew the pain she was in she never tried to show it. We talked about everything that I was too afraid to ask when I was younger and she answered truthfully. That last month with her I vowed that I would look after my dad, but not for too long because she didn’t want him to become dependent on me. I promised and she went to meet her savior on April 10, 2018. My father  to say the least was a handful following my mother’s death but I did my absolute best trying to ensure I took care of him. He lost his leg shortly after she passed due to P.A.D. and because of his excessive drinking and smoking… As of last year, he lost his other leg. Don’t get me wrong, this man fought for his country, retired airman, and worked the remainder of his years before retiring. He was strong mentally and physically up until my mother passed. It pained me to see him like that. He is a loving man, a family man, a great father! As an admission of defeat I realized that I could not care [Read more…]

Hi I’m not the one to play the race card at all but when wrong is wrong right is right and white is not for black is wack. I currently live in Greenville South Carolina my grandmother passed away in 2005 leaving me her home that she worked hard for and obtained the title for and it’s amazing how she did that considering blacks wasn’t even thinking about being property owners back in the day and for her to accomplish that is a major milestone and blessing. I’m 36 years old seven kids six boys one girl ages 14 to 23 I had my first who is disabled due to a gunshot wound from his so-called friend that entered his chest hit all the main orders inside his body and exited his left kidney results in dialysis for him. I also have six other kids that was affected by the code enforcement of Greenville county to try and condemn our property and give us 7 days to leave this happened 2 months ago all because the floor needs to be repaired and instead of them helping us get government assistance or help us get it repaired they’re trying to condemn and left us homeless my kids have been separated and had to leave their schools because they had to go stay with family members an hour away and there was no way to get them back and forth to their school so now they’re doing virtual so one family member can’t take all of us in so we’re all separated now we don’t talk to each other on a daily we don’t even see each other on a daily and me as some other I’m going through so much because it’s so much pressure on me I haven’t worked in the year because I’ve been taking care of my son is on dialysis I was trying to start a residential cleaning business but my head gasket blowing my car and that was that plan so now I’m living with an ex-boyfriend of mine that treats me like crap and abuses me and puts me out every week because he knows he can. I filed for a permit to get the floors fixed up under an exemption for the homeowners because they said we had to have a license contractor which I can’t afford a license contractor and they’re not trying to help me the City of Greenville code enforcer gave us 7 Days 3 months ago to leave our home because of a 12×12 not even that big of flooring that needs to be replaced due to plumbing up under the sink disrupted our whole lives and trying to get in the property and we have nowhere to go and have been homeless since then. Asking for help for home repairs in a car cheap little get up and go nothing fancy just trying to get on our feet and get my family back up under One roof I thought America’s stand on keeping families together and not South Carolina they’ll tare your family apart and not think nothing else about it. It said that I thought racism was passing but why would it pass in the state where it was first introduced the great Old South Carolina. The reason why I’m saying the race cards because we used to have a black neighborhood but now they have used the word gentrified to take all the blacks and their property out and rebuild them for $300,000 houses and now the community is 97% White and 3% black and I wanted a 3% they’re trying to get out of the community and condemn my property we don’t even have community centers anymore where kids can learn because they see property as money instead of keeping our community strong and learning so the kids can have something proud like I was on my grandmother to pay her house off instead of trying to help me keep it they use something simple as knowing I can’t afford the repairs to get us out of the community black lives matter not a racist thing at all because my last four kids are mixed surprising huh LOL God bless thanks for reading!