Hello, I just got word today that my parents are going into foreclosure. They need $50,000 to keep the home I grew up in and we have lived in the majority of our lives. The house is on a horse acre with 2 ponds and a basketball court. When they first purchased the property it was in very poor condition. My dad spent a lot of his time building and creating an amazing place to live. Our family has always let relatives and friends in need a place to stay for as long as they need.

My dad is the nicest and most caring person I know. Growing up he was a very successful coach. He coached year round (Baseball, Basketball and Soccer) and was a great asset to the community. People have always looked up to him and came to him first for any help.

My mom is amazing and has always been there for my family. She home schooled my sister for the majority of high school and helped her prepare to get her GED. My mom lost a child at birth and I miraculously survived birth myself. I love her and will do anything for her the rest of my life.

I am a music producer. I have annoyed everyone in this house at some point and then some. I wish I could just fork over the money they need but unfortunately I am not as talented as my parents. I was an amazing ball player thanks to my old man.

My sister was diagnosed bipolar; dyslexic, ADHD, manic depressive at an early age. She has done unspeakable things that would normally make a father disown a child. In my opinion her actions have taken a toll on my dad’s better well being and hurt his ability to sell houses.

In 2006 he was selling a state of the art home in Maltby for the 2006 street of dreams. An arson set the green built house on fire leaving my dad and the builder nearly bankrupt (https://www.seattletimes.com/seattle-news/street-of-dreams-arson-echoes-attack-in-06/). They spent all of their time on this home trying to win best in show. All of the hard work and time spent, just gone. My dad has been trying to recover from this since.

This has been a very hectic life for everyone in the family but we always stay positive no matter what. Please help us!

Thank you for anything you will give. God bless,

2019 is the year that I am dedicating to getting out of debt. I have cut up all my credit cards, sold anything of value, am working a second job, and currently am working with a counselor for helping me to stay on track. This past year I have had two major personal issues and it has wreaked havoc with my finances. I separated from a ten year relationship with a man who could not stop drinking or taking drugs and I took care of a friend of over 50 years. I am working on building up my life and becoming healthier mentally and physically for myself and my family. My childhood friend was down on her luck, and then found out she had hydro cephalos (a blockage in her brain). I became her caregiver. I did what anyone would do for a best friend. I took her in and helped any way I could. 12 months have gone by, my friend is on the mend after brain surgery and I am getting around to taking care of myself. My bills have added up to an overwhelming size. Working two jobs and taking care of her have taken a toll on my health and credit. I cannot get approved for a consolidation loan and have no wealthy family member. If you can help me with donations I promise I will pay it forward and help another person in the future as soon as I get a grasp on my own debt. If I could pay my credit cards and house bills with donations then I will be able to breath. I would be able to get my mortgage and car loans current, as well as continue helping my friend as she recovers from brain surgery. Please help me on my journey to better health, debt reduction and taking care of myself for a change. I am grateful for any help.  Thank you in advance for your generosity and the faith that by doing good for others is what makes us human.

Good day,

It is extremely difficult gathering my thoughts and putting them in writing for all to see.

Because I have pretty much tried everything possible to get my situation turned around lead me to this site in hopes to obtain the monies necessary to prevent foreclosure. That amount is $13,110.00.

I cannot say that I lost my job, I experienced a divorce or even fail behind as a result of accelerating mortgage. My dilemma was solely based on me caring for my elderly parents who did not ha e enough income of their own to cover their household expenses and providing for other family members.

At the time of providing this continued help to my family members  I received several unexpected bills.

I have been the go to person in my family for years. I’ve always been in a position to help them unfortunately  I’ve helped so much that it has resulted in me not being able to maintain my commitment with my my own expenses and keep up with mortgage payments.

This donation will help me to maintain my home and have a place for my parents to officially move into so they no longer have to struggle.  My income is sufficient to maintain mortgage payments. I just need the help to get  back on track and current to avoid foreclosure.

I have submitted a loss mitigation package to my lender, but I learned today the request was denied. While the lender has indicated I can file an appeal within 10 or bring mortgage current, the reality is I have no means to pay the amount due.

I purchased my 1st house at the age of 29 and was forced out of my home when I lost my job. It has taken me 17 years to be in a position to purchase again and the pain of not being able to save my home or care for my elderly parents hurts.

I appreciate any assistance.

Thank you

I have lived in the same home for many years.  It’s hard to think about going elsewhere.  I have a home business.  If I lose my home I lose my ability to earn an income as well as a place to live.

My mortgage has an adjustable rate.  It adjusted up and the payment became unaffordable.  I have been trying to get a loan modification.  I have the income to make a mortgage payment, but cannot pay the past-due payments.  The bank will not work with me.

I need to hire a lawyer to help save my home from a pending auction.  I need time to either sell my home or get a modified payment.

As a Christian, I believe God has led me to this site after many hours of searching for answers.  I am not one to ask for help under most circumstances.  Yet, this is my home I’m trying to save.  A home where my children grew up;  Where I have painted every wall, planted every plant, put my heart into decorating every room.  I am fighting to stay in this home I have loved for so long. Please help me with this fight.

Thank you for reading my story.

I have lived in the same home for many years.  It’s hard to think about going elsewhere.

16 months ago, I applied for a loan modification with Wells Fargo.  At that time, I was able to make the payment.  Yet, with an adjustable rate, I knew it would not be long before my payment climbed too high for me to keep current with my mortgage.

With a back injury in 2013, I became disabled and currently awaiting workman’s comp benefits.  Unable to work a regular 9-5 job, I created a home business, an Amazon store.  I also rent rooms out in my house to help pay the mortgage.  I have no cable T.V. and have learned to appreciate the simple things in life.  My main goal has been to pay my mortgage each month.

In July, 2014, my brother passed away suddently.  At the same time, I had a temporary loss of income from my home business.  It was a heart-breaking, stressful time for me.  I struggled to make ends meet.  I recall hardly having money for gasoline when driving to the courthouse to get my brother’s death certificate.  The cremation ceremony was post-poned until October, as I did not have the money to rent the boat for burial at sea.

In August, I fell behind with my mortgage.  The amount past-due continued to rise to the point it seemed impossible to pay it.  My hope was the bank would grant me a loan modification, or a government agency would help me become current with my loan.  Neither has happened.

After 16 months of sending faxes and corresponding daily with the loan preservation team, I was denied a loan modification.  The day I got the news was the worst day.  It began a series of very stressful, dark days not knowing what to do.

In December 2014, I earned part of the past-due amount with my home business.  I began to get hopeful. The same month, I sold my diamond jewelry to put toward the past-due mortgage payments.  I am trying to make my goal and need your help doing so, I continue to believe I will find a way to pay it.  I continue to seek a way to do so.  I am more than half the way there!

As a Christian, I believe God has led me to this site after many hours of searching for answers.  I am not one to ask for help under most circumstances.  Yet, this is my home I’m trying to save.  A home where my children grew up;  Where I have painted every wall, planted every plant, put my heart into decorating every room.  I am fighting to stay in this home I have loved for so long. Please help me with this fight.

Thank you for reading my story.  I have lived in the same home for many years.  It’s hard to think about going elsewhere.

16 months ago, I applied for a loan modification with Wells Fargo.  At that time, I was able to make the payment.  Yet, with an adjustable rate, I knew it would not be long before my payment climbed too high for me to keep current with my mortgage.

With a back injury in 2013, I became disabled and currently awaiting workman’s comp benefits.  Unable to work a regular 9-5 job, I created a home business, an Amazon store.  I also rent rooms out in my house to help pay the mortgage.  I have no cable T.V. and have learned to appreciate the simple things in life.  My main goal has been to pay my mortgage each month.

In July, 2014, my brother passed away suddenly.  At the same time, I had a temporary loss of income from my home business.  It was a heart-breaking, stressful time for me.  I struggled to make ends meet.  I recall hardly having money for gasoline when driving to the courthouse to get my brother’s death certificate.  The cremation ceremony was post-poned until October, as I did not have the money to rent the boat for burial at sea.

In August, I fell behind with my mortgage.  The amount past-due continued to rise to the point it seemed impossible to pay it.  My hope was the bank would grant me a loan modification, or a government agency would help me become current with my loan.  Neither has happened.

After 16 months of sending faxes and corresponding daily with the loan preservation team, I was denied a loan modification.  The day I got the news was the worst day.  It began a series of very stressful, dark days not knowing what to do.

In December 2014, I earned part of the past-due amount with my home business.  I began to get hopeful. The same month, I sold my diamond jewelry to put toward the past-due mortgage payments.  I am trying to make my goal and need your help doing so, I continue to believe I will find a way to pay it.  I continue to seek a way to do so.  I am more than half the way there!

As a Christian, I believe God has led me to this site after many hours of searching for answers.  I am not one to ask for help under most circumstances.  Yet, this is my home I’m trying to save.  A home where my children grew up;  Where I have painted every wall, planted every plant, put my heart into decorating every room.  I am fighting to stay in this home I have loved for so long. Please help me with this fight.

Thank you for reading my story.

My name is Edward Nurse and I never thought I would have to be saying this but we are 30 days from losing our house unless we can get support from willing people.

A little about who we are, I am a married man to a wonderful wife for the last 6 years. We have 2 wonderful kids who are the ages of 2 and 5. We have been in our house for 4 years now and I have made it our home. We have 2 loving dogs also who are part of our family.

Now that you know who we are let me tell you a little about our story and how we haven gotten to the point of asking for help. Over the last year it has not been easy. Prior to 2018 we were on the straight path making payments and staying up on top of our bills. We have never been that couple who have spent more than what we earn. We stay with in our means and try not to use our credit cards if we can help it. The start of 2018 saw us with fraud on our Checking account that started this process. While we got our money back from the bank because it was fraud it didn’t make it easy.

Along with fraud on our checking account we saw our first born son having to be rushed to the emergency room for his appendix rupturing. While we have insurance the cost was so high that it has made it tough to make payments too. Along with having the problem of making payments to the hospital it was also a stressful time for our family.

Most recently which made us get to where we were I lost my job that I have had for the past 6 years. While my wife makes decent money it has been tough making all our payments to our house, car, student loan debt and credit cards now that I don’t have a job. I have been without a job for about 2 months now.

I do not enjoy asking for money because that is not me. I am that person who knows that no matter what I have my family and that is what is important to me. I also know though with out asking for help we will end up losing our house and being on the street with my wife and 2 kids. I don’t want that to happen.

I tried going to the bank and see if there is anything that they can do for us but they are unwilling to work with us because our Debt to Income is so off because of losing my job. I am in the process of possibly having a job in the next week or so but it will not allow us to have enough to keep our house. I am also having to pick up a second job in order to make sure this won’t happen again.

What I am asking for is $18,542 to get us back on track with our house. Anything more would be appreciative to help pay down the costs of my sons surgery he had over the summer. Please please please help support anyway you can during this holiday season. You can donate at paypal.me/enurse9215

I hope that if you do read this and don’t donate I understand I hope the Lord Blesses you over this holiday season. Have a wonderful Christmas and a great New Year

Hello I am not one that typically begs, but I have maxed my resources out. In June of 2015, my dad took a loan out to pay off some of his debts. He used his house and 25 acres of land as collateral. Life was normal until March 12, 2017. My dad decided to have surgery on his artery in his neck, the doctor talked dad into having the artery opened and cleaned out since his other artery was clogged. So dad decided to do it. Dad went through surgery good up till recovery. While in recovery dad had a mild stroke causing his right side to be paralyzed. He was placed in ICU. Well we return to see him two days later and before we got to him he had a massive stroke. Dad was put on life support and passed on March 18, 2018 at 3:15am. We get home from the hospital still in shock and before we were able to get my mom inside the house she had went into cardiac arrest and she passed at 10:07am almost seven hours after dad. My sister and I was double shocked  not only having to deal with one parent death but two at the same time. It still feels as a dream but its reality. My parents always said they wanted to be buried in on the property in the designated area they had already fenced off because my sisters husband is buried there. So my sister and I were left to deal with the loan dad had taken out. We thought dad had taken insurance out but he never did. We try paying on the loan but our own obligations were getting in the way. Then out of the blue the property was sold under foreclosure right from under us. However, the new owner has worked with us in waiting patiently to buy the property back from him for 150000.00. We have tried numerous attempts with banks and our credit is was stops us from getting help. I dont want to give up this property because dad wanted us to have it and also they are buried on it. I am trying to take my dad’s place in keeping our family together because we all live on the property and I feel like I am fighting a losing battle. I work over 50 hours a week and my income is good. I just need help getting the money to buy back our property.

Thank you for reading my post. I pray you choose to help change the lives of my family.  We are in trouble.  I am a strong woman and have always been independent so it goes against everything that I am to have to ask for help from strangers.  Please be assured this IS my last hope for assistance.  There is no one else I can ask for help. 

MY STORY

Two years ago I was one of 600 that was laid off from a natural gas production company.  My annual salary was $60,000.  Unemployment in Arkansas is $400 per week max.  After unemployment ran out, I finally found a job paying only $25,000 per year.  I keep the lights on, food in the refrigerator and clothes on everyone’s back but I have been unable to keep up the mortgage.  I am also 2 months behind on my car note and it will be repossessed when I am 3 months behind.

MY FAMILY

My two children – son and daughter – live with me as well as my 2 grandchildren.  My son is a recent high school graduate and plans to join the military.  He is trying to find a used vehicle in order to get a job and work until basic training.  My daughter is bipolar and disabled mentally and cannot work.  She and her two children live with me.  All 5 of us will be homeless if something doesn’t change soon.  Your gift will be a godsend — an amazing answer to many prayers.

REQUEST

Our needs:

• $12,000 to catch up on mortgage payments or $25,000 to pay off the home that I have made payments on for 14 years
• $1,025 to catch up on car payments

Any donation would be greatly appreciated.

Gifts may be sent through Paypal:  paypal.me/tjshipp62

Thank you and God Bless!

This request is written in two parts; the problem with the medical condition and my request.

I am reaching out to the community who can either relate to my situation or has compassion to my situation and has the means to help!  Every fact that I describe in this request that is noted with * will represent something that I can provide proof of at the donors request.  I don’t expect anyone to donate to my cause based solely on my word therefore, I am willing to provide proof.  I also plan to pay it forward by giving back to foundations and charities related to my disease.

The Problem and medical condition:  In 2012 I was diagnosed with early onset *Parkinson’s disease.  In addition I was diagnosed with severe *depression in 2006 and had a *heart attack in 2007 at the age of 32.  Since my diagnosis with Parkinson’s I was forced to leave my career as a teacher due to my symptoms.  Rigidity, tremors and memory loss to name a few.  Since I left teaching I have been in and out of jobs and so I filed for *disability and was declined indicating that I could not be working.  If I don’t have any money coming in then my family will certainly fail financially.  Through this course of jobs we have fallen *behind on every bill.  The collectors will not stop calling, emailing, I even had a repo guy at my door for one of my vehicles.  I desperately need to secure my family’s future by taking care of my bills now and settle our budget to rely on my wife’s income only.  My diagnosis indicates that I may have a few more years to work before I will be out on full disability and that leaves me no time to secure a budget that will take care of my family.

Request:  with the power of many I am asking for any donation to help me reach the following financial goal of a budget of $4,600.  We are currently at a *budget of $9,013.  That would mean we need to remove *$4,413 out of our budget.  To accomplish that I need *$63,511.  I can provide any documentation to prove this need in addition to follow up on every account where the donations would go to.

This is a desperate request for help from strangers and any donation amount will help the cause.  Hopefully together you can help save a family from financial ruin due to medical situations out of my control.  Thank you sincerely from my heart for reading this post and if you should have any questions for me or need documentation, I would be happy to accommodate.

Hi there!

My name is Michaela and I am 19 years old. Currently I am in my second year of community college and I live in my two bedroom apartment with my two siblings, my mom, and our 3 cats. Where we are living currently is great, but we are having issues with the rent. So let me explain how we got here.

My mother worked at the same old security guard company for over 10 years, not making much while she was there, but suddenly had to quit. She didn’t have any money saved for rent which is the most frustrating thing in the world! She most definitely depends on my sister and I when it comes to money. Due to her being irresponsible, the rest of us are paying for it by constantly giving her our hard earned money, just for it to not end up anywhere it is supposed to. We are now $2,000 behind on rent and on the edge of being homeless, which we have been before and something I don’t want to be again.

I just started my second year at community college and working as hard as possible to get my life path in the right direction, which seems impossible at 19. I’m doing my best and constantly on the go trying to figure things out. I currently do not have a car, cannot apply for financial aid because my mother hasn’t done her taxes needed, on the verge of being homeless, and praying for a miracle honestly. I currently am applying for a second job and hoping it turns out okay. I know doing school full time, working two jobs, and taking the bus everywhere I go is going to drain me,but anything I need to do to get in the right direction will be worth it.it
it
which is why I need your help, hopefully while reading this you understand my constant struggle and just know anything is helpful. I thank you all for reading.

https://paypal.me/michaelabriana

Blessings to the person reading my plea,

I am a 57 year old widow who has raised and is in the process of putting three children through college.

My husband passed away 8 years ago while my children were 18, 16 and 11. Because he had Lupus, the only life insurance we had for him was secured before our third child was born and his diagnosis prevented him from getting any more. His death was not expected. It was an unfortunate case of Pneumonia that triggered a Lupus flare up in his lungs, which in turn caused Pulmonary Fibrosis (scarring of the lung tissue), which basically made his lungs unable to support life.  I had the excruciating task, after 66 days and nights in the ICU to discontinue life support. The loss of my husband was obviously emotionally devastating to all of us, but because of the financial and emotional demands of two teenagers and one preteen, the loss was doubly difficult.

Thankfully, the life insurance we did have allowed me to keep my oldest son in college and still be able to stay home and raise my two youngest children for the next few years until they left for college as well.

My husband and I, devoted to the idea of having a stay at home mom, made a promise to each one of our children when they were born that one of us would ALWAYS be there when they left for school in the morning and when they came home in the afternoon.  With the loss of my husband, the ability to keep that promise was strained, but with the careful management of his life insurance proceeds and a modest Social Security Survivor benefit I was able to do it.

Once my youngest turned 16, the Survivor benefits ceased and the little bit of life insurance that was left was finally depleted. So, for the first time in 18 yrs, with my promise to my children kept, I set out to earn my own way. To do so and remain in our home, pay back the Parent Plus loans I took out to help finance their education, and all of the other costs of living, I have been working two jobs, (three if you count Ubering) ever since.

Clearly, my efforts to raise my children in a secure, loving, honor filled home bore fruit. My oldest son graduated from Georgetown University and is now a 3-L Law student at UPenn, an Ivy League Law school. My daughter graduated from Belmont University in Nashville with a degree in Songwriting and is now working on her first CD. And my youngest is a senior at American University in Washington DC.  He is Law and Justice major, with a concentration in Homeland Security and Counter Terrorism. He is also an ROTC Cadet and when he graduates in May, he will commission into the US Army as an Officer and serve on Active Duty for 6-8 years.

I have worked my tail off both as a mom and as a breadwinner to provide the education, home life, and character building lifestyle to assure their success.  I think it is clear, based on where they are in life, that my efforts have been a success. Unfortunately, since two of them are still in school and my third is just starting out her career, they have no disposable income to help me out of this short term financial crisis.

I’m certain that one of the reasons that they have landed on their feet, despite the death of their father, is the continuity of their lives. Their home was a huge part of that continuity. I have worked hard to make sure that their home remained their keystone and now, it is all I have left.

My youngest, who over the course of the past 8 years has lost his father, his paternal grandfather, his maternal grandmother, (now with no living grandparents), his dog of 17 years and his cat who was there at this birth. In addition the family of five that he always knew, became just a family of two once his brother and sister left for college, has lost enough. Losing our home, just can’t be an option.

Now, even though he is a young adult, his decision to serve his country, has added even another layer of pressure to keep my home. When he comes home on leave from his duty stations around the world and potentially from deployments into war zones, I want him to be able to “come home”.  If I lose this house, then he will not have “home” to come to. He’ll just be coming to “mom’s house” wherever that would be, and to which he would have no sentimental attachment. His grounding, his base, his foundational home will be gone.  I just can’t do that to him.

So, I persevere to keep this home.

In addition to all the jobs I work, which average about 65 hours per week, I have rented out two of the bedrooms which my two oldest, who no longer live here, had as children. All of this has managed to keep things afloat quite well for the past few years.

The problem I have now, is two fold.

1. One of my jobs is as a Nanny. I am paid hourly because each weeks schedule is different based on the work hours of the parents whose children I care for. In July and August, they took two, two week vacations.  As a result, my Nanny income for those 4 weeks was zero. I tried to make up that lost income at my second job, which is as a server at a fine dining restaurant, but in the summer, there is very little business and as a result we were working with a skeleton crew.  No one was willing to give up their shifts to anyone so I only had a couple of shifts a week and when I did, I still didn’t make that much money.

Just prior to all of that:

2. One of my boarders, (who moved into my home to recover after her 15 year old son committed suicide) had her work hours greatly reduced and struggled month after month to pay the rent. Of course, I didn’t have the heart to kick her out and she always did manage to pay it to me even if it was late. Up until the 4 weeks of lost wages that I incurred over the summer, I was always able to float the rent with my own money and get my mortgage paid, and pay my other bills when her rent money finally came in.

But then, when my income was greatly reduced in June, I couldn’t float it anymore and just as this was happening, she lost her job completely.

She was able to cobble together June’s rent, but I didn’t get it in full until the end of June (when July’s was due). July’s rent was paid in full August 9th, almost two weeks after August’s was due and August’s rent still has not been paid, let alone September.

As a result of all of these late payments, I have been inundated with overdraft fees and return check fees which have sucked my bank account dry totaling well over $800 since June. Of course, if she doesn’t even have the rent, any hope of getting reimbursed for the overdraft fees is fancy.  Needless to say, I have fallen more and more behind each month. As a result, I ended up two months behind on the rent.  The last time I made a payment, it was returned 3 times and the mortgage company would no long accept my checks.  Included in that letter was an ACT 91 form stating that the return of that check now put me three months behind and in default. Terrified, I called them and they said that if I can make two mortgage payments by the end of August and two mortgage payments before September 29th of this month, I’ll be back on track.  Well, last month I worked over 320 hours, 7 days a week for the whole month and managed to scrape together enough to make two mortgage payments in one month. I need to do it again this month as well, but despite working 7 days a week, to the tune of over 80 hours each week, I’m still going to be about $1000 short. If I can’t make the payment in full, the mortgage company will consider that a “breaking of the repayment plan” and will move forward with the possible acceleration/foreclosure proceedings.

Since I have two ladies living here, I have to make sure the electric, gas, sewer, water and cable remain on, so they had to be paid.  As an Uber driver, I have to make my car and insurance payments, so they had to be paid. I have to put gas in my car to drive to and from work and Uber as well, and I have to pay my cell phone bill in order to use the Uber app so those are bills that I have had to stay current on. All other bills, including my Parent Plus student loan payments have been deferred for two months to free as much income as I can.  But, even doing that, I still am significantly short. Doubling up a mortgage payment two months in a row, when a significant portion of your income (rent from one of the boarders doesn’t come in and the subsequent overdraft fees) is a high bar to reach.

The total amount due is $2,721.48 by 9/29/18.  Currently I have $1425.11 and that includes the paycheck that I will be receiving on Wednesday 9/26. I won’t be getting a paycheck from my other job until 9/3 which will be too late. That leaves a shortage of $1,296.37.

I have called the mortgage company 3 times and talked to three different people to ask if I could just delay a portion of the amount due until the 3rd (just 5 days later) and was told by each one of them, no. If I do, it’s “breaking the repayment plan”.

I earn a pretty decent income. I am a server at a fine dining restaurant on the weekends and the Nanny to a family of four children during the week. My hours as a Nanny are set so there is no opportunity for extra income. At my restaurant job, I am scraping up every shift I can, but the whole staff needs as many shifts as they can get because this time of year is still a bit slow, as long as the weather is still nice (which it is), so there aren’t many shifts to snatch up. Even if I do get a shift, only cash tips go home with us and most people pay with a credit card, so I won’t see those tips until they show up in my paycheck on September 10th. As for my Nanny job, I won’t get that paycheck until September 10th either.

I need this house not only for now, but it is the only retirement I have.  My goal is to live here another 8 years until my son’s service in the Army is completed so home will always be waiting for him and then when he is ready to set off on his own life, I’ll rent it out to a family and move to a smaller place, keep it until the equity is high enough that selling it will fund my retirement.

If I can’t get this mortgage payment made, all of that will be at risk.

I never thought that I would ever find myself in a situation where I was so desperate that I would resort to asking strangers for money, but it is a testament to the humility, desperation and fear I have that I am actually doing it.

If you are thinking about making a donation, but are reluctant because you think this will continue to be a problem as long as I have a boarder who is not dependable, please note that she gave me her 45 day notice on September 12th. That is a double edged sword though.  She won’t owe me a full months rent for October and that is contributing to this shortage.  But the good news of that is now, after dealing with her unreliability for almost a year, I will be able to get a boarder in here who is much more gainfully employed. I won’t make that mistake again.

Lesson learned.

So as it shakes out, my calculations are that as of this writing at 4:40 pm on 9/22/18, the only way to earn the money I need is to Uber. (Uber allows its’ drivers to “cash out” immediately after a ride, thus the deposits hit my bank account immediately.) I will have to earn 169.37/day starting tonight after my server job ends at 11 pm, and continuing every night after my nanny/restaurant job ends. It took me 5 hrs to earn $99 this morning from 4:15 am until 9 am. So, it will be about another 8 hour shift each day.  Total hours to work this week: 114. I’m going to give it my best shot, but it is an all or nothing proposition.  ANY help you can give me would be so greatly appreciated.

All the gratitude and blessings to you,

Becky Summers

https://paypal.me/rebeccasummers117

I am a single mother to a two year old little boy. I used to have a decent paying job and was in a great relationship with my son’s father. When my son was born, we decided to keep him out of daycare and I would only work part time to take care of him. This meant that I took an almost $13/hour pay cut. This was not so much a big deal at the time because his father was still making good money. Around the time that my son was 9 months old, I found out that his father had been cheating on me for who knows how long. He and I split and I started working full time, but still only making $11.25 an hour. I have been looking for a better paying job, or an additional job, but have not had any luck. Now I have a mortgage payment and all the utilities that go with it on a paycheck that does not cover it all. His father is not paying child support and doesn’t help out. I have been struggling a lot in the last 6 months, as I had to pay over $2,000 in taxes this year that I was not expecting. I am currently behind on my mortgage and facing foreclosure, as well as being behind on several other bills. I also still owe money to family who has helped me out over that last year and a half. I am needing around $10,000 to get current on everything and to not lose my home. I don’t know where else to turn, and I hate having to ask to for money. Any help would truly be a blessing and very well appreciated! Thank you!!

My PayPal link is: paypal.me/damara5

Hello,

My name is Kim. I usually don’t ask for help from others but I am at a breaking point where I have no choice. I have a 10 year old son who is sick with medical issues which keeps him in and out of school and the hospital. I know it could be worse, but he has been diagnosed with 4 different diagnosis. I am a single mother. I had lost my job once he began to get sick. I have been dealing with his illness now for 3 1/2 years. I had started my own business so that I could be flexible to get him to and from all of his doctors visits and so I could be at home with him when he is sick so that I would not have to get fired from another job for being off too much. I have decided to homeschool this year due to all of the issues that I had with his school and him being out so much but it is dramatically affecting my income. My business has been slow which is good for families but bad for me. I am a case manager for children that are in the foster care system and I don’t receive alot of referrals as I was before. I have always been the one on the other end helping out my clients when they did not have something or needed money. I am a small operation and single individual so things have been very slow. I am behind on my mortgage and in foreclosure and have managed to get up some of the money but not enough. I am still short $5000.00 that I have to pay within 14 days. If I don’t pay the total amount needed then the interest continues to accumulate which will increase it at least $2000.00 more dollars and then it keeps going up til eventually, it will be too much for me to catch-up on.  I cannot apply for a loan due to my credit and falling behind on bills since my son has been sick. I cannot afford to loose my home and have no where to go with a sick child. I don’t know what else to do. As I humbly write this I am in tears because I’ve never been this bad off or have had  to ask anyone for help to pay my mortgage. I have to cry in silence because I do not want my son to hear me. This is the hardest thing that I have had to deal with. I have never been to the point where I am about to lose my home. This is my last resort and only solution. I have taken on odd jobs such as a inventory specialist, voting canvassing and delivering small packages for a company, but I can’t accumulate the money fast enough. In addition, I have been lacking in homeschooling my son due to me working and having to leave him at home alone and having my neighbor to check on him. I am in the process of trying to get a home health aid in the home to be with him some during the day while I try to work. I was paying a tutor to help home school but no longer can afford her. I TRULY, TRULY do not want to loose my home. My son has already been through enough. Not sure how much more I can take. I am a good person and my son is a sweet child always concerned about his mother in spite of the pain he endures and  I do right by people, not sure why I feel like my child or I am being punished. I am asking for any donation that will help me. I know there ae scammers on here and I have proof to whatever is needed to prove my situation and that I am being truthful. PLEASE!!! PLEASE!!! Find it in your heart to help. Not sure if I am able to post my email on here but please feel free to email me at kimberlycanseeyou@gmail.com with any questions.

Thank you.

We have lived in our home for 19 years and raised our children here. They are three wonderful adults who are making their way in the world. My husband and I worked very hard to give them the best life we could and get them to this point.

Unfortunately, life doesn’t always go as planned. A little over four years ago, my husband had a stroke due to being electrocuted at work and was forced to go on permanent disability much earlier than we had planned for him to stop working. Impaired vision has been the legacy of this stroke and prevents him from working and driving. Thankfully, he can attend to his own care on a daily basis.

Our children were still in high school when this happened, and we wanted to do all we could to keep our kids in the same district until they were finished. We were able to do that but are now in a very scary position and need to move on.

We are going to try to sell our house on our own so that we can have some small nest egg to walk away with but are desperate for some help to keep us here during this transition. Since my husband’s disability, we have lost $2,000/month in income because of programs ending, pension restrictions, etc. As you can imagine, with three children in college, a loss of that amount is devastating.

We are cutting back on expenses, and I am trying to find a second job to increase our income temporarily, but we know that leaving this home is inevitable in the near future. This fact saddens us and it is very hard to keep moving forward with this hanging over our heads. The thought of packing up this house is also very daunting, but needs to be done.

Our children are being very supportive during this time and understand what needs to be done. Even though they will be finishing college in the next few years and moving out on their own, it is a difficult pill to swallow and makes them quite sad.

Your help and support during this very stressful time in our family’s life, would be more appreciated than you can possibly imagine.

Thank you for considering our plea and helping us through this.

Asking someone for money has never been a way I have dealt with my financial responsibilities.  Now that I have reached the end of my rope and part of the reason for being in all this debt is not all due to my personal choices, I am trying this desperate measure.

After the woman I loved for 8 years decided to divorce me, (which later I found out she never loved me just planned on using me), I fell into financial ruin.  Now my ex-wife, filed for divorced, and strategized for years how to come out the financial winner in our marriage.

Now I am straddled with $10,000 in legal fees, $60K in a home I cannot sell in the shape it is in, facing foreclosure and bankruptcy.  My ultimate goal, so I can start over and take care of our daughter that we had together, is to request an amount for these bills:

legal bills $9,500

about to avoid foreclosure:$59000

credit cards: $9000

IRS: $2500

Since bankruptcy would not help for the IRS or foreclosure action, this is not an option for me.  I am hoping an individual(s) can provide some relief so I can get back on my feet and support my daughter again like a normal person does.

Thank you and bless you.

https://paypal.me/EDekelaita

Are there any honest people in this world ?

Hi my name is Sharon. My biggest character flaw is being gullible and believing everyone is as honest as I am. Which has brought me to this point of financial devastation and coming here to as for help.

My husband and I started a small trucking business in May of 2014 trying to earn a piece of the American pie, financial freedom and honest living.

It all started back in January of 2015 when the oil and gas industry went bust. We tried very hard to keep things afloat but we were sinking fast. With the industry literally coming to a complete halt and our 2 drivers leaving for better jobs we were left with thousands of dollars in debt and not enough money to pay the bills. And on top of that my husband was temporarily fired for a few months. We had no choice but to file bankruptcy just to  save our home and have a place to live. At that time we had 2 trucks and had to let one go in hopes of the truck we were allowed to keep would make us enough money to recoup all that we had lost when times got better.

In October of 2018 we found a driver and company to lease our truck on with and things were going well until that day, April 26, 2018, that day was the day that all truck owner dread. My driver called telling me the truck was blowing a huge amount of oil which meant there was an engine problem.

I instructed him to take it to the shop and a few hours later I received a call tell me the truck required a major repair; a cracked cylinder head which would cost any where from $7000 to $15,000 to repair. Here is were my nightmare begins.

My mechanic informed me that he would not be able to get the truck fixed for at least 3 to 4 weeks. Not wanting to lose my driver and the company we contracted on with we decided to just buy another truck to put my driver in and get him back to work ASAP. It didn’t go as plan. I found a truck located in San Antonio, Texas some six hours from where I live but I was desperate.

This man name Armando had a truck for sale for $20,000. I called him and explained my situation with my truck being down and was looking to buy a truck to get my driver back to work and earn the money we would need to get the other truck fixed since we had a 3 to 4 weeks to wait before it could get repaired.

Armando assured me the truck he was selling was a work ready truck and the only thing that was wrong with the truck was that it idled rough when it first started but when it warmed up everything was ok.

My husband test drove it and it seemed ok after it warmed up the rough idling went away. The air blew cool. The truck drove ok. Everything checked out as far as he could see and hear. Armando agreed to reduce his price to $17,000 all the money I had in this world. We thought everything was going to be okay but, Armando lied about the truck and we found out shortly after finalizing the purchase. On the way home the truck was not sounding right, there was a knock in the rear end.

The next day I called him after taking it to our regular mechanic and discovered the truck needed some major repairs before it could actually get to work. I called and told Armando that the truck was not in work ready condition that he claimed and that I needed him to make it right by at least helping me pay for the repairs and he basically told me it was my problem now.

Because this purchase was a private sale I have no legal recourse. I bought a junkyard truck and it has ruined me financially.

Since then I have put an additional $18,000 plus that I didn’t have using my house notes, pawning my valuables and asking people to fix the truck on credit. I have a total investment of $36,000 and counting. And it gets worst, the truck broke down July 29th this time in Oklahoma City, Oklahoma some 5 hours away from me and the owner of the shop that we had to tow the truck to told me that I have to put another estimated $13,000 because although I did a top end overhaul on the engine the bottom end has to be done too and that I may have to get a new turbo which will be another $3500. We have to do something fast.

My husband has been working long hours; sometimes seven days a week trying to get us out of this hole we are in and there is just no way to make the money we need in this short timeframe we are working with.

I need a total of $30,000 to $40,000 to get out of this hole this man has threw us in and I don’t have any means of getting it because I’m in bankruptcy so no one will extent me credit. I’m 3 house payments behind on my mortgage and its just a matter of time I will be facing foreclosure.

I have asked family and friends and everyone has pretty much said I’m sorry you are going though this but I can’t help you.

I’m really not looking for a hand out, I’m just in need of raising the money to get both trucks fixed and get my drivers back to work. I am willing to pay every dime back once I got everything back on track. The money is there to be made I just can’t make it with both trucks down at the same time.

Please send what you can to help with your name and address so I can pay you back to  paypal.me/thismandestroyedme 

Here are a few of the receipts that I have paid out so far to fix this truck and I still need thousands more. This man Armando really scammed me big time. There should be a law against this, but I can’t even afford to sue him if there were.

Thank you for your compassion and any help you can provide. I am truly grateful.

Heartbroken and Devastated,

Sharon

15 years ago I was working full time and my wife was working full time. We were doing fine, and then we got pregnant with our first boy. Since she was a high-risk pregnancy she needed a lot of time off for hospital visits. Midway through, the housing market bubble burst, and stock prices dropped.

My wife’s company was using the dividends from stocks they owned to pay for a new building they purchased. They started laying people off. They eventually found a replacement for my wife and laid her off too, right in the middle of her pregnancy.

At this point we were paying for a mortgage and trying to provide for a family of three, with one on the way, from one part-time wage and SSD payment for my wife. It was barely enough to keep on budget. I was eventually able to get full-time work at the hospital, and things got better for a while, while my wife recovered from her second hip replacement (2005).

We got pregnant again, and after the birth of our third child, my wife had to have a third hip replacement, and I began to miss a lot of work because of family sickness. My wife was sick my middle son and daughter were sick, and I didn’t handle things very well at the time.

I eventually I lost my job. My unemployment and her SSD weren’t enough to keep up with our mortgage. We eventually chose to refinance to avoid foreclosure.

That’s when things got really bad. We became victims of the kind of predatory lending that became very rampant years ago. Our mortgage kept going up and up, and we ended up in foreclosure again. It took me years to establish stable income, due to continued family sickness, and a few bad choices on our part. By this time our credit had taken so many hits it was low, and it would only get lower.

Fast forward, we got out from under the predatory loan with help from HEMAP, and a refinance with a new mortgage company, but then the school I was working for shutdown (2012). They laid everybody off, and I was out of a job for a year.

Bills began to pile up again, and we ended up in foreclosure again. This time after making a repayment agreement with our mortgage company, and paying on that agreement for five months straight, they sold our mortgage to another company, and before we knew it, they were sending statements in July 2015 saying we were $5,000 behind.

This was the same year my wife was sick in the beginning of the year, our water heater broke down, our bathroom sprung a leak (into the living room), our furnace shut down (in the middle of winter), I got sick and missed a three months of work, and to top it all off we had a fire, and had to stay in a hotel for three and a half months.

Since then, I’ve had steady work for the past 3 years, and my wife and children were rarely sick enough for hospital stays, BUT my income to too low to overcome the burden of debt…

So we lost our house, and had to move out.

The good news is, I now have a solid plan for creating a more reliable (profitable and scale-able) income to better leverage my time, energy, and resources to climb us out of this hole. Any amount you can give to help us carry out my plan will be greatly appreciated.

You supply the rope, and we’ll put in the effort to climb out of this hole. Then we can use our resources to extend a rope to other people in need, so they can climb out of their holes.

https://www.paypal.me/aliciasuber

I’M HOPING TO…

[Read more…]

I hate this, I really hate doing this. I feel like a failure. I am in a bankruptcy proceeding, and I am almost a month late on my plan payment. My mortgage company has been petitioning the court to dismiss my case so that they can foreclose on our home. They have filed a settlement that allows to not immediately move to foreclosure, but it states that I must make payments in full within 15 days of the due date, but I am already behind. If I cannot catch this payment up by August, the courts will let them foreclose. Please, we need help. My disability does not cover my plan payments, and I cannot find a job that I qualify for which I can do with my disability.

I served in the USAF for over 14 years. Over that time, I pushed my body harder and further than I should have. I injured my lower back during a deployment to Al Dhafra AB, UAE, in 2010, and over the next seven years I was bounced from doctor to doctor and never taken seriously.

Then, in 2017, I was recommended for involuntary medical separation. This, to me, was a good thing because it meant that I could stop performing duties that were making my back worse. As it is, I have permanent nerve damage and numbness in my left thigh, along with the constant pain just above my hip, most severe on the left side.

I have been diagnosed with spinal enthesopathy and spinal stenosis, both of which I was receiving treatment for while on active duty, but have yet to be sent to a specialist through the VA. I was, today, informed that my SSDI claim was denied, and I will need to hire an attorney and go to court for a second appeal. I do not have the time or resources to continue supporting my family on the $1900 I receive monthly for disability.

Mine is the story of addiction, not necessarily meth,  and getting help. I tried to quit smoking last year and took Chantix. It made me smoke more so I quit that. Suddenly, I had the urge to buy things…ALOT of things. I was buying so many things that it was Christmas at my mailbox for over 8 months. I have a shopping addiction. Because of that, I have got behind on all my bills, my credit cards are maxed out and I’ve lost my job because of the Panic disorder I have when I try to leave my house. That started last month, the not being able to leave my house without a full blown panic attack. I’ve seen 3 doctors under severe duress and they just want to pump me full of pills. I don’t want that, I want a behavioral therapy. I see another doctor next week and I hope to get what I need then. But I can’t pay my bills now. I’ve been trying to sell all the things I’ve bought, but it’s slow sell. I’m starting a blog about my journey where I will set up a store to sell things and hopefully provide guidance for fellow addicts. Addiction comes in all forms, whether it be substance, or shopping, its all relative. Please help me support myself while I go on this journey. All donations will be accepted.

MethAndCandy.com

My house is almost half payed off and I don’t want to lose it. I put the money I make from selling stuff on my electric and other bills.

Thank you for your support!

Hello,

I hate I had to resort to this but I am in a bad place right now. I am a single father of three wonderful children. I bought a house last year so my babies could have a back yard to play in and their own room. My downfall was when I let a relative come and live with us. She didn’t have a place to go or money to buy food. I knew it was going to be challenging but I couldn’t let a family member be homeless. I once read “I need to practice mercy blessing others in need with what they don’t deserve but so greatly need”. At that time, I thought that I could help her get on her feet and she could help me with my children. I thought it would be a win-win for both of us until she was able to move out and get her own place. Things didn’t go as planned. She was unable to find a job or buy food for herself. I got so stressed to where I almost had a nervous breakdown and lost my job. Now I am in the process of losing my home and children. I am trying to look into the programs that they have available for people like myself but I just need help until I find something. I know this is probably a long shot but this is desperate times for me right now. I don’t have anyone I can turn to for help. I have  a link to paypal for any help that anybody may be able to provide. Here is the link: paypal.me/SingleDad48

Any help will be greatly appreciated.

God Bless,

Cameron

Hello.

Let me start off by saying this is one of the hardest things I have ever had to do in my life. I never ask for anything, (even a shoulder to cry on,) and in doing so I have lost my entire life, almost everything I own, and friends/family have all walked away.

This isn’t going to be a short story, and I apologize in advance. I couldn’t make any of this up if I tried, so please bear with me. I will try to keep it to the essentials.

It all started in 2016. For most of the year I was on and off again sick, (more than usual, as I have lupus.) Sept I took a turn for the worse, & in early Dec, doctors found a mass. Dec 21st, my husband of 18 years left. Abandoned me and our son, middle of winter in Utah, & unable to work due to my health. My son dropped out and got a job. I had surgery (partial hysterectomy + removed mass) on Feb 28th. 2 weeks later I got a job and worked 16 hour days, at the little gas station down the road, just to make ends meet. We were doing okay at that point, caught up from the 2 months before, and settling in to our new life…

work-sleep-repeat.

The divorce was at mid point in Apr, when he decided to move back. We would only find out less than a month later he only wanted the tax money, he was gone shortly after. Divorce was final in June, which is around the same time I had met someone. It’s also about the same time everything started to crumble. He had a good job with the family business, and I blindly put my trust in him when my Lupus flared up. He promised we would be okay if I took a couple weeks off to rest and find a less stressful job. It took a month. But it was okay, we were making it, but not by much, thanks in part to a drug habit (him) that I was just finding out about. I started the new job on the last day of Aug. It was awesome. I loved it. I had been waiting for months for child support/alimony to kick in, and we fell further behind. I was working to make just enough for the house payment, while his money went to his habit, and dinner every night.

I received 2, ( I think) payments, after having the ex garnished, and Nov 27th our whole world can crashing down. For reasons unknown to anyone, my son’s father, the man I spent half of my life with, killed himself. We did what we could, to raise as much money as we could, to cremate him. Coming up short, his boss covered the rest. My son, just short of 18, went into a downward spiral. I wasn’t to far behind. Depression and anxiety took hold (I suffer chronically), he lost his job and I struggled to keep going, as my relationship was being strained by everything happening around us, PLUS his addiction. The supplimental income that was supposed to help me get back on me feet after being abandoned, having surgery, and getting back into the workforce… Gone. Leaving me further behind financially. The holidays were non-existant, and for the next couple months everything just got worse. One fully unemployed, one working less hours due to winter weather, everything was falling on me. I had missed a bit of work, (Lupus strikes again) and they really couldn’t let me take any more time. I lost my job, just 1 month after I had to get a car, (my $350 beater died.) But the up side was that I could drive for Lyft and Uber. It seemed like we had a shot. Bills all 2+ months behind, house payment just as far. But I had hope.

I wasn’t making as much as I was before. But I kept pushing forward. The steering system went out, while i was driving, and I was in a small accident. I spent 2 weeks pulling junk yard donors apart, putting mine back together, all for a fraction of the cost, which I had to borrow from my dad. By the time I got back on the road to work, it was finally too much. I was working to put gas in. Gas ran out, I couldn’t work to get more gas money, we sold or pawned every last thing of value we had just to eat some days.

The man I am buying the house from (private holding) had lost patience, and we decided forclosure would be best. My plan was to get back on top before the 3 months had come.

On Apr 1st, in a spur of the moment, everyone seemed happy for a bit, crazy day, I married him. I believed the promises of recovery, and thought he really wanted to get better. I was wrong. After months of basically ZERO financial support, piggybacking for free, and leaving everytime the money ran out… he left when I confronted him. For months he would come and go. Show up when there was something to take, make promises to come up with more money if he just spent the little we did have. “Get dinner tonight with the phone bill money, and Friday I’ll give you enough for the phone bill AND the water.” Always leaving us worse off than when he showed up, and always made sure to be gone again, before HIS money showed up.

But there was good news, I had someone to buy the house. I would even get to walk away with enough to catch up all the bills,  buy a small camper, pay 6 months of space rent and have a little time to recharge before trying this again.

I packed most of what I wanted to take, sold appliances, fridge, stove, furniture, because that what you do… You know?

The call came last week that the buyer backed out.

There’s nothing left to fight for. I tried so hard…

To fail

The house is bare and empty, back in foreclosure, or to sit on the market waiting to sell. No fridge, no stove. Car is getting repossessed this week. I cant drive it anyway without insurance. Disconnect notices are here.

I can’t even put what little bit I want and have left into storage.

As long as that story is, there’s parts in the middle, that got left out… for the sake of taking up any more space in this little box.

Im not sure how I found this site, and honestly I’ve lost all hope. I have no expectations.

I don’t know what to ask for. Everything is so far gone. Nothing is salvageable. At this point I’d be happy to eat more than once every couple of days. We have no where to go, no family here. Headed to the streets.

Anything helps. I don’t want to put a number on a plan then come up short again, only to have lost what I could have used for another plan.

If I could come up with enough for a small camper to sleep in, and a decent little car to pull it around… It’s a good place to start.

Having transportation to be able to work is the highest priority.

So I’ll drop the link here. If you made it all the way to this point, I am already grateful. Anything more is a blessing.

https://www.paypal.me/cssandoval

Hi, my name is Brandy. I am asking for help today because we are about to lose our home, due to no fault of our own. Let me tell you a little about out situation. Our home is owned by my husband, his grandfather, and his nieces. My husband and his nieces own his deceased grandmother’s 50% of the home and his grandfather owns the other 50%. We recently received a letter from Colfax Bank and found out that his grandfather took about a mortgage five years ago that had a pretty hefty balloon note upon maturity. The loan matured the beginning of April.  The balloon note is $8,500 and gaining penalty and interest daily. They have been reasonably kind with us while we have been trying to gather money either by selling personal belongings or asking for donations from family and friends. However their limitations have been met and the bank has given us about a week to come up with the payment or they will start the foreclosure process. We had no idea there was anything owed on the house. We have been blindsided by this. My husband and I along with our 2 kids are the only ones living in the home and we have no where to go. Nobody will refinance it or provide a loan because we do not have 100% interest in the house. Basically we are about to be put in the street if we cannot get some help. My husband not myself are the kind of people to publicly put our business out there but we are in a very real, very desperate situation. We are very private people. We are always lending a helping hand in our neighborhood and community. Everyone seems so strapped around here. We are just trying to save our little families home. I don’t know what else to do but to ask publicly. Any and all help is so appreciated and we would be eternally grateful for keeping a roof over our heads. We will be sure to pass it on and keep the goodness going. We are believers in good in and good out. We strive to do that everyday and have taught our sons and hope that they continue to follow that into adulthood. Thank you so very much again for hearing our desperate please for help and thank you in advance for those who help us. My PayPal link is paypal.me/BrandyConn

Hello all.

My name is Jordan and I am a 27 year old single mother to a beautiful 10 year old little girl. I recently purchased my first home in another state from which I had lived my entire life. I thought I had it figured out and was ready for this step in my life. However, life had other plans. In the span of a few months my daughters father left us, I became the caretaker of my handicapped uncle, and struggled to find work and then lost my job. I am not one to ask for help but I have no family here and the family I have back home are not in a position to help. I believe I am a decent person and I work hard to provide for my family and make the most of our lives. I dont know what we will do if I lose my home. We have no place to go.

I am going to school full time for business and I have to admit struggled with time management and juggling all of my responsibilities. I have made some poor choices and maybe not always done the smartest or most responsible thing. Moving here was our chance to start over. To build a new life for me and her. I realize there is never a redo in life but this is the closest we were going to come. She loves it here. She had made friends and is thriving in her new school. It is a much better school than we could have gotten her in to back home. So here I am swallowing my pride and counting on the kindness of strangers.

My home is in Foreclosure with a June 7th sale date. I got a denial from the Arizona department of Housing but appealed the denial. I talked to them yesterday and they told me they are currently the only foreclosure program left and they are going to try and work something out but i will have to come up with $5,000 to bring to the closing table. I owe to much on the house in order to qualify for the program I need to owe less than $93,000. They have certain guidelines they must follow and for me to meet all the program requirements I need to bring the balance down under $93,000 to qualify. I was told that since my mortgage company will not accept funds I can bring money to the title company at closing. I have $2,000 saved up so I need to come up with $3000 in one month (it might as well be a million dollars) I lost my job of 12 years because the department I was in relocated, I have not been able to find a job and am currently on unemployment. This program will bring my Mortgage current and pay part of my mortgage payment until I get a job but I don’t have the money needed to qualify. Please help if you can, every little bit helps and I have no one to help me. I have a modest home, it is nothing fancy but I don’t want to lose it, if I lose my home I will be homeless because I have no where to go. I can’t get a loan, I have scrimped and scrapped to save up the $2,000 I have but that is not enough and I am running out of time. Thank you in advance and God bless you.

Two years ago, the mother of my child left to live a party lifestyle.  I was working 70-80 hours a week at this time.  It became very difficult to  pay all bills, take care of( at the time) a 1 year old, and work those kind of hours which was needed to pay all of the bills.   Soon, my savings account was drained and I started to fall behind on bills because of not being able to work all of the hours I needed to to pay the bills.  I looked through my options and worked really hard to get more certifications in my field.  I now have a better paying job and am trying to get back on my feet.  The problem I have now is, I make enough money to pay all bills, but not enough to catch up on all of the bills that were behind.  I was able to work out payoffs and catch up on everything except one, my house.  I am in danger of losing my house if I do not come up with enough money to pay the house notes that are behind.  I am asking if you are here and able to help please help me raise the money it is $7,890.45.  I know this is a lot of money and I do not know where else to turn being behind for so long has dropped my credit score and even though I now make enough to pay on a loan for that amount I cannot find a lender willing to give it to me.  Please help me!

https://paypal.me/dad1209

Due to a series of bad decisions and trying to help others in desperate need, I now find myself in danger of losing my home. I have tried for the past several years to help my 79 year old mom with her bills after my dad passed away from leukemia and left her with little life insurance. He had accident insurance and it wasn’t valid in this case. I don’t want her to have to worry at her age so I have been paying many of her bills. Now my own mortgage is behind and I’m facing foreclosure if I don’t come up with $16,000. I have tried to get a modification but it was denied.  I know I can get back on track with this help. I am a hard worker and care about others. I do not want my mom to know of my problem because I don’t want her to feel guilty in any way. I want to prove that I can take care of myself and still help others. She had a stroke, has rhuematoid arthritis, is diabetic and is hard of hearng. The stress of this is killing me. I have been getting migraines and stomach pains. I don’t have any friends or family to turn to. It is also very embarrassing to know that this is completely my own fault and expect people to feel sorry for me. I just don’t know where to turn anymore. I am a firm believer that God looks graciously upon those who put others before themselves as I have tried to do. I spend of lot of time praying and this helps ease my anxiety over the situation. Saying the rosary is a great comfort. Please know that I am a good person who made a mistake and I will do whatever it takes to fix it. Any funds I get over my requested amount, I will donate to someone else in dire need. Please consider donating to help me and therefore others if possible. This is my only hope. God bless you.

For seven years I have been trying to get a modification on the mortgage on our home.. And have had no luck. The lender Caliber Hone Loans has denied me each time. It seems the original lender sold our mortgage to a company called Veriquest who,in turn merged with Caliber. So I have basically been dealing with three lenders all who have denied the request for for a modification though I had proved we were a hardship case each time . In 2009 when my late uncle had his bank account frozen for a hospital bill he had forgotten about was when it all began. It took me four months to,get the problem straighten out and the mortgage payment was four months behind. I had spoken to,the lender explaining the problem and they seemed to understand or so they said they did. I sent them a check in February of 2010’and they sent it back stating they would not take participle,payments but wanted the full amount .I had given them $2500 then a check for another $2500 but they still insisted they wanted the full amount of $8600 or they would start foreclosure proceedings. The balance of the mortgage was $77,000 at the time. I’m went to the local chapter of HUD who helped people like us and a lovely lady tried for a year to get the lender to at least lower the interest rate which was at 8.9% and to give us a modification . Each time we thought it would happen the lender changed their mind. I spoke with my Congresswoman Nita Lowey and she sent a personal letter to the CEO of the company stating our problem and that we are a hardship case only to have the CEO state he did not see a hardship. We stated how much we were getting per month and they insisted on a payment of $2100 a month leaving us $400 for the month for food and utilities. The counselor even told them she would go to the news and they stated they didn’t care . The same answer was give letters on my behalf from my two senators, my governor, former Vice President and four different law firms with no luck. I spent over the seven years $30,000 in legal fees and still no results. According to the letter the sent to the Dept of Financial Services of NYState they had referred my case for foreclosure in February of 2010 that’s seven years ago ( statute of limitations is 6years in NY) They offered me in 2015 an offer of paying $3800 a month until the loan was paid off They knew that was impossible since we only get our monthly checks totally $2600 a month . When my uncle passed in 2012 we lost his social security check each month. My husband is handicapped he was born with cerebral palsy and since my heart attack in May of 2012 I have had to take an early retirement In Sept of 2012 nine months after my uncles passing the lender had foreclosure papers served on him I Did notify them three weeks after his passing that he had passed and we were a hardship case and asked for them to reconsider a modification for us. Again they stated they saw no hardship. Once again I went to yet another law firm and no results . In 2015 I found this firm who supposedly were the best at this matter and $15,000 later they stated they could do no better then to the lender to offer a deal called in leu of a deed where the lender gets the house and I would get 15,000 to leave They kept insisting the house had so much equity of course they were looking at a site that stated my house was worth $659,000 but if they had taken the time they would see the picture was right but the information was for the house next doormat states the house was built in 1964 our was built in 1923 and we do not have a two car garage . I pointed that out to them and they still insisted I was wrong.Not only that they did have three appraisers come to the house over the years and walked through the entire home even taking pictures of our house. On April 7 2017 they set a sale date of May22 stating the hits would be sold for $250,000 plus expenses I had nothing else to do but file for bankruptcy with Chapter 13 I have a court date July 23 where the judge was kind r ought to give me the date of Nov. 15.This hone was built by my grandparents They came to America from Italy to find a better life. They had six children three sons who served this country in WW11 their youngest was honored for his gallantry and bravery of going behind enemy lines to rescue two fallen comrades in Normandy and was wounded on Sept 9 th in another battle .He was honored by not only our country but France also .Two grandsons who also served in the armed forces, one in Korea and another in nam, three great grandchildren who are in the medical profession two are doctors ,one in cancer research one is a teacher and of course me the granddaughter who is an author There have been five generations since my grandparents came to live in this country
The lender wants the stay revoked and demanding that the court vacat the stay and either I pay them j$238,000 or lose the home. I pay yo the trustee $600.00 a month
My husband and I are on fixed incomes and only make $1200.00 a month

The judge just dismissed my case because I couldn’t cone up with the $25,000 in arrears  and the $2200 a month

any help financially woukd be muchly appreciated

Not sure how to being and ashamed, but imagine having a perfect life, wife, kids, pets, cars, etc. We are an ordinary middle-class family who work very hard, enjoy our family and believe in helping others. But imagine when life takes a turn and you are in danger of losing it all. Around 2010 my father and stepmom died in a horrific car accident, they had no life insurance but what we did receive from the auto insurance paid for both services with nothing left over, in addition my brother happened to also be in the auto at the time and sustained injuries that left him in a coma for three weeks and after eleven months in the hospital he came home blind due to his injuries. My family moved in with him for almost three years to help him get back to a normal life. Within this time all our bills started to pile up. We moved back into our home after three years but were hit with aliments that my wife started going through that limited her working and the bills piled higher. We lived a modest life not over our heads, but did live pay check to pay check, so no money in savings for emergencies. Well as the story goes, things break in a house, our water heater went bad, had to get one through our heating company PSEG and pay it off monthly, our air conditioner broke, still not fixed. One of our cars engines stalled and is no longer driveable, it was about one year old and we fought with both the car insurance and auto maker to no avail. We have to pay, plus needed another car so my wife could get to work.

My story is long and i’m sorry to bore you. There’s more but I think you get the picture. I work 2 jobs everyday from 8am to 9pm, at the moment my wife hasn’t worked since 2015. I’m only asking for help from someone who has the means to help. I just want to get out from debt and be current with all my bills so the anxiety that my family is going through can go away. Our credit is so low, we can’t get any loans and we pay high for the things we do have.

Our monthly expenses:

Mortgage – $1,752.12 / Car #1 – $505.15 / Car #2 – 641.44 / Auto Insurance – $487.62 plus electric, gas, water, basic cable, cell phone, very small credit card, food, car gas, tolls. It adds up past what I bring in a month.

Our house is in foreclousure but we are going through a modification process, we owe over $12,000 in medical bills, we owe the IRS because my wife was an independant contractor for almost 10 years and never put money away for taxes.

I’m just trying to get back on my feet. I believe in paying it forward and working for my money. I’ve been working steadily for 31 years with about only 3 months of unemployment some years back.

I thank you in advance for any help or contribution that you make. Anything will help.

I recently had to file for disability due to health issues and have fallen behind on mortgage and utilities.  Any help stopping foreclosure and catching up on utility bills will be greatly appreciated.  I do not like asking for anything but I don’t know what to do.

Thank you so much for your time and consideration.

paypal.me/desperateforhelp

Hello, this is the most embarrassing thing in the world to have to do for me. I am so use to solving my own problems, but I’m in my late 20’s and honestly hit a breaking point to where I just wanted to cry. I am buying a home with everything in my pocket and bank account. It isn’t a big home, it is actually a small mobile home and has a lot of work that needs to be done. I’m buying my home for $4,500 and reason it being so low is because it’s forclosure and need a lot of work done to it in which is why I’m asking for donations. This home was my only option next to being homeless. I’m usually a hard working person but I fell off due to not having a caring support system or anyone to help me throughout life. I feel like I’ve been alone for far to long and I know there are good, loving, caring people out there. Everything I have Learned has been sent from the man upstairs. I had no guidance throughout life, no adult training due to my parents instabilities. My grandmother taught me what she could before she passed away I actually learned quite a bit from her but she reached towards my spirituality than anything. Anything would help. I’m asking as a humble human being. I wouldn’t know how much flooring, appliances, paint, tools etc. I would need. Honestly anything would help even if it’s just half of what I’m asking for. If I could post a video of it’s condition I most definitely would.

https://www.paypal.me/Jeisherie

Hello. I hope you are doing well. I am writing to you because I am at a loss of where else to turn to at this point.  We have had some rough times in the past few years with a house and the fire and all the ups and downs of rebuilding and regaining our home and possessions. We have struggled to overcome how much the fire has affected our lives. My husband also had a near fatal motorcycle accident and that has just added to our already upside down world. He was out of work for over a year with sever injuries ans our motorcycle insurance coverage was not sufficient enough to cover all of our debts. My trouble now is we have struggled financially with my husband out of work for so long due to his injuries. He is finally back on his feet and got his business back up and running. But our bills have become overwhelming and foreclosure is at our door. I am looking for any help and or resources anyone could provide us to help keep our family in our home, we had already lost it once, I hate to put my children through it all over again. We are both working and would be willing to pay back any kind of loan. I know you may not feel comfortable helping or may not have the means, but I am just trying every option i can think of at this time. Unfortunately we just don’t have the credit to do it on our own. Thanks for reading and considering.

Hi my name is tim noland I have lived in my home since 2005 I am almost 11 month behind on my mortgage. due to lawyer fees .I have been fighting for with my wife to get custody of 3 of our grand kids ages 10 month 2 years and 5 years. to keep them out of state custody. it has been a long hard battle. we now have full permanent custody of the older 2 boys and should know about the baby girl by the 11th of this month. we have fallen behind drastically and are no facing foreclosure .me and the wife are both self employed . my wife is considered disabled and I have hurt my back in 2001 so we are limited on the amount of work we can do. I do not want to ask for assistance but feel I have too. We have put are savings and mortgage payments into keeping these kids together and just need help to catch back up and keep our home from getting foreclosed on. They are wonderful kids and grew up getting scream at living in a room with a mom that lived in filth. confined to there room 90 percent of the day. once we get caught up on the mortgage we can maintain it. We just need the help to get caught up .we have been receiving foreclosure letters in the mail. I did not intend to start over raising kids again .But I’m sure anyone would do the same things to keep there grand kids safe. I hope You can find it in your heart to help us out of this bind we are in.

paypal.me/tnoland881

Hi,

I have recently lost my job after 6 years of employment. I am 55+ and finding it very difficult to find my next job. I have been working small part-time jobs to keep earning money to pay bills and keep my family healthy. However, over the month of Dec., the job market has really slowed, and I am now 2 months behind on my mortgage.

My wife has gone to Alaska to work in the seafood industry as a seasonal worker to help make ends meet.

Writing this is very difficult for me. I have always been able to provide for myself and my family. Not being able to do so now is very stressful and depressing. I am continuing to seek my next job but, in the meantime, I need to ask for assistance.

If I am not able to catch up on my mortgage, my wife and I will lose our home. We both really love our home and dread having it foreclosed on.

The downward trend started a couple years ago when my wife lost her good paying job at a hotel when she became ill and required surgery. Her job was terminated while she was out on disability recovering from her surgery. It was at this time that we started having trouble paying our bills and mortgage. However, we continued to keep our heads above water. I worked two jobs when I could to try and get a little ahead. So, for that past couple of years, we have been struggling but, making it. However, now with the loss of my job and all of our savings depleted, I need ask for some help.

My 1st wish it to get a new job, my backup wish is to receive some financial assistance. I do have the option of selling my car but, if I do that then finding a job will be even more difficult due to the restriction placed on how close the job needs to be to my home.

I have never had to ‘beg’ for financial assistance and this is quite the humbling experience. If you decide to assist my wife and myself, know that it will be greatly appreciated.

I humbly ask for financial assistance for myself and my wife, so that we can remain in our home. Your kind financial assistance is requested from a very humble man.

God bless you and yours.