My husband (now ex-husband – divorced a year ago) and I bought this fixer upper of a house (more issues than we had expected) from a “for sale by owner” ad. Fast forward to 3 years later. My husband gets arrested and sent to prison for 4 years. During that time it was just me and my youngest son trying to “hold down the fort”. We both have jobs and it seems like if it’s not one thing breaking its another. So far we have had water pipes break and freeze on us. Not to mention we had to repair a sewer line to the septic tank that my ex-husband started to do but did not complete due to him being arrested. In fact there were a lot of home repair projects he did not complete. While he was in jail then prison, he has asked for me to put “money on his books” so he can purchase items while in there and to make daily (yes daily) calls to me. This put a financial strain on us. Last year I filed for divorce because I could not deal with the way my husband lives (he’s an alcoholic and I know he will go back to it) or the way he tends to talk down to me as if I was nothing. So now I have to make payments on the filing fees for that along with all of the bills that I have accrued and claim responsibility for in the divorce. I have tried to refinance this mortgage but because I have a few “no payments”, no money to pay for an appraisal and bad credit, it has made this even more difficult. I’ve tried applying for personal loans but because I do not own any vehicles (they were all under ex-husbands name and none worked) I have no collateral not to mention my bad credit only finds a small amount ($500) with crazier APRs ranging from 23% to 125%. I was just notified that I am in default and that the process to foreclose on this place has begun. I have pets that no place in this small town will allow and I have put too much blood sweat and tears (literally) into this place. I really would love to keep this place and fix it up to where it is better than what it is now. Two weeks or so ago I was told that there was something found in my mammogram scan and was told to go it for a second scan. Thankfully it was just a cyst and had it drained (another financial hit due to out of pocket expense) then I was diagnosed with endometriosis two days later and now facing surgery which makes this even more stressful. I don’t know how I’m going to pay my portion of the medical bills that my insurance does not cover let alone saving my home. I would love to just get out from under this mans thumb and out from under the cross-hairs of my ex-husband because he always seems to find something to bitch to me about that I have done while he was in prison. Time is running out for me. Please help me.