Hi, my name is Catherine, I live in Virginia. I am writing to ask you generous hearts for some time-sensitive financial support please. I have been on the giving side of generosity myself in the past, and never thought I would find myself on this side of the donations.
The mortgage servicer is being very aggressive in threatening to initiate foreclosure. I called to make a payment and they refused, because it was only for one month! They’ve sent a Demand Letter, they want at least two months ASAP. On July 1st, I will be short a total of 4 months of payments. The mortgage servicer could put my home up for auction because of less than $8000.
Please help keep me in my home. My home is also my place of work. I am a health coach who offers various wellness and nutrition programs from, or at, my home office. It is my only source of income.
Background that led me here:
A series of traumatic life events left me in shock, alone, and with a diagnosis of PTSD and emotional trauma starting in 2016. In 2018 things got much harder, when my husband of more than 12 years, had to surrender to a federal correctional facility. I went into depression on top of PTSD, and had to deal with many unknowns of being separated, having to clean up the legal and financial mess that my husband had left me with. You can imagine how this negatively affected my self esteem, social standing, finances & credit score, while I was struggling to regain my health and keep my head above water.
So I found myself on my own, with no spouse, no support. Thankfully I managed to save my house from foreclosure once by re-financing. As part of the PTSD issue, I developed visual processing issues, as well as a hand tremor, and I have severe allergies to chemicals, so unfortunately, I cannot work in my original profession (dental field).
In 2020, I was on my way out of the slump, when COVID hit and I lost many of my potential clients, and existing clients. With lockdowns, all the momentum I had built for my business came to a stop. I have been trying to rebuild from scratch since everything opened up. Unfortunately being a solo business person who does everything without the necessary funds or a team to do any marketing, means a slow growth. I am gaining momentum, but it’ll take a few months of effort to get to a regular flow of incoming clients (and if I don’t have a home, my work gets affected too).
Currently, refinancing the house loan, selling, or renting are not options. This is why:
Refinancing is not an option because of the hit on my credit score following the problems mentioned in above paragraphs. I don’t have the credit score or financial ability to ask for another refinance, especially since the interest rates are higher now than on my already re-financed loan. The mortgage servicer is very aggressive in initiating foreclosure because the loan was already re-financed in 2018.
I have considered selling the house, but realtors want to do repairs which I cannot afford. Plus, these days, renting a place half the size, plus paying rent for an office space and storage, would cost more than triple my mortgage payments. That is if I even find a place to rent, as rentals are very rare and expensive in my area, and they all ask for high credit scores and proof of high employment salary.
For my coaching work, I need to stay close to my area since this is where people know me and refer me clients. My car is too old to drive out long distances every day, and due to my visual issues, I cannot drive very far. I am continuing to reach out through educational talks and special offers of health coaching programs to build more income.
I am looking for regular hourly jobs too. Most say I am considered “over-qualified” for regular entry level jobs, I am disabled from my actual profession because of the PTSD and visual and hand issues, (but I have no disability benefits because I am self-employed).
So, At this point, I am hopeful and grateful to receive enough financial donation to avoid foreclosure, bring the house payments up to date, so that I can continue to work from home and generate income through my wellness services and get back on my feet.
This website came into my awareness from a YouTube video … I did not know about it sooner. Any amount of donation, at any time, will be helpful. Thank you in advance.
I know there are many here who are worthy of your donation. I am grateful for you choosing to help me out. I promise to pay it forward in the future when I can.
Thank you, and may you experience bliss, continued health and joy.
Catherine