Picture Taken in 2020 in the winter.
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.
I thank you for taking the time to read this and I wish you all well.