We are a family of 4 with two children under age 12. My husband and I work hard, but we have had a difficult few years. First, I lost a well paying job in 2016, shortly after my son was born. I was laid off while on maternity leave. I found work again, working 2-3 jobs at a time, just to earn 50% of my previous salary. Most years, I was earning less than $40,000. My husband is a teacher and earns a modest salary. There have been so many months we struggled to pay our mortgage, only to make a 50% payment, or a partial payment. I’ve gone nights without meals so I could feed my kids. There have been weeks where we cannot afford groceries, or we had to make the painful choice to buy groceries instead of paying the mortgage.

In the last 6 months, I found a solid job that pays enough, but we have accumulated so much debt over the last few years just trying to stay afloat. We took on short-term loans at high interest rates. We’ve saved some money just to spend it on emergencies like broken appliances, a car accident, and replacing a 40 year old furnace. We have tried repeatedly to work with our home lender and still seem to come up short. We are several months behind on our mortgage. Our home is in foreclosure. We are doing everything we can to catch up, but we desperately need to save our home. I firmly believe that the next 12 months could be better than the last few years, but we need to get caught up on our mortgage. We need at least 4-5 figures to get on decent footing, but at least $10,000 to show a good faith attempt to stay in our home. Any amount is helpful.

PayPal.Me/AngelaGazdziak

Hi.

Is it strange that even though this site is designed for those of us in need to request assistance from those who can help, I still feel awkward asking? I’ve had this page open on my desktop for nearly two months and got really anxious every time I clicked on it to start writing. They say a closed mouth doesn’t get fed, so I needed to admit to myself that I need help and I can’t do this alone. That’s a very difficult thing to do for someone who likes to help, but not ask for it.

My Story: When the bubble burst in 2008, I was laid off at the end of October. I spent the next 8.5 years surviving on unemployment, underemployment, self-employment; basically anything legal to feed myself and not lose my home. The arrears on my mortgage and maintenance fees (combined) at one point equalled some people’s annual income. A home-saver grant in 2014 gave me a much needed lifeline. And, then I was blessed with a steady full time job in April of 2017.

At the beginning of 2023, six years of hard work and discipline resulted in my making the last payment to bring current the roughly $60K total I owed to my HOA (maintenance arrears + late fees + HOA’s attorney’s fees). I was now able to focus on chipping away at my $40K mortgage arrears (while still paying current maintenance).

In the spring, the bank sold my debt to a collector which (this summer) put me on a six month program to establish a new mortgage instead of losing my home to foreclosure: Pay $1738.38 by the 1st of each month (Aug ’23 – Jan ’24). So, even though I had to keep my belt tightened to manage the $1738 (mtg) + $625 (HOA) + living expenses, while only making a couple hundred more (monthly) than that $2400 total, I stayed positive and believed that this too would eventually pass.

But, on October 12, ’23, training to move up a position in my company, while training my replacement, my former employer laid off 10% of the company, and gave me four weeks severance after 6.5 years of service. Deflating.

The shock of first being heralded for exceptional work, then being terminated with a disrespectful severance package, when on the door step of finally rebounding after 15 yrs of struggle was crushing. Now, I’m two months behind on my maintenance (made the decision to fall behind on the HOA fees to complete the six month mortgage program).

Ideally, I’d like enough to cover the two remaining mortgage program payments, plus three additional months covering the first quarter of 2024 (5 x 1738.38 = $8691.90). And, the two missed months of my HOA plus Dec and the first quarter of 2024 (6 x 625 = $3750). The grand total of $12441.90 + living expenses as it’s difficult to find a job during the holiday season. $15000 would be a great help, but I am open to whatever anyone out there can provide. Humbly. Thank you.

paypal.me/CarmeloC718

Hello,

I have received notice that I owe $136,000 on my house or otherwise my house will be foreclosed on and taken away and put up for auction. This house is the house I have lived in my entire life. I had many good times in this house such as, birthdays, Thanksgiving, Christmas, and simple family bonding. I am asking for help to defray the cost and keep the house out of foreclosure. Every little bit would help, whatever it may be. Please help.

Thank you

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

First, thank you for taking the time to read this.
I am Peter 46 and widower since 2019 and father of a son of 20 and a daughter of almost 9
We were a happy family with a 12-year-old son at the time. We had no family left besides my father. In 2015, my wife suddenly became pregnant even though the doctors said she could no longer have children. Despite everything we were still happy, but our daughter became a problem child. Severe autism was diagnosed and our daughter would never be able to live independently and would always need care that cost a lot. We decided that my wife would stop working to take care of her, she was also a very successful model and that would stop too. I would take an extra job and that meant we could still live a fairly normal life.
We could no longer afford great luxuries, but despite that we were happy.
In 2019 my wife was diagnosed with cancer, she had lung cancer and also developed liver cancer, so there was a very small chance of recovery.
She had worked in chemistry for years and these were the consequences, the doctors said.
This was a major setback for both of us, but even though she was ill, she tried to care for our daughter as best she could. After 6 months she suddenly died after an operation and my world completely collapsed and I became depressed. That year my father also died in February. He had been a heart patient for a long time and we already saw it coming.
My parents had already divorced in 1995 because my mother was an alcohol addict and she died shortly after the divorce. A few years after their divorce, my father remarried a woman who was 16 years younger and just took him for the money and only wanted a lot of luxury.
After my father’s death I inherited his condo but the wife wouldn’t leave and it became a time of lawsuits and lawyers to get her out. Ultimately she had to leave after 2 years, but the big surprise was the debts she left behind due to forgery and which I could now pay for and there were also the lawyer costs that had also risen considerably. I had hoped to sell my father’s condo and use the money for better care for my daughter and the outstanding attorney fees and to be able to work more again. In the end I tried to pay as much as I could but even the sale of the condo wasn’t enough to pay for everything. Because the debts have still not been paid in full, $58000 remains outstanding. These are increasing because I cannot earn enough and caring for my daughter is becoming increasingly expensive.
My house was supposed to be paid off within 2 years, but now they are trying to foreclose on it and evict me and my daughter from our home.
They want to sell the house to pay the debts and just throw us out on the street. I have thought about committing suicide several times, but I don’t have the courage because my daughter is there and she gives me a lot of love and gives me the courage to fight anyway.
But my fight is looking more and more like losing and the day we will be on the streets, I think the fight will end completely. I have to find those 58000 dollars as quickly as possible to save us and I would get an extra loan if my house is paid in full first, but that is still 2 years and we don’t have that time. My son is now in the army and tries to help me as best he can, but that is not enough either.
I heard about this site through an acquaintance and am now placing my hopes here to be able to remain in our home and continue to fight for my daughter. This is my last refuge before disaster strikes

I am still using my wife’s paypal

Paypal Me

I am a 61-year-old single mother who is begging for help with saving my family home from foreclosure. I have more times than not struggled to keep a roof over my son’s and my head. I was always a renter until I made a leap of faith in 2019 and became a first-time home owner. I was so proud of myself for being able to provide a home for my son, who struggles with depression and severe anxiety, and for doing it all on my own, unlike now I feel embarrassed, depressed and hopeless with my current situation. With my son’s mental health which started when he was four years old from a car accident where I almost lost him, he has struggled to hold a job and help contribute financially. I was injured severely at my job and I have not been able to return to work. I had enough funds to pay the house note until January 2023. I have fallen behind on property tax ($5,940.70) and my mortgage ($38,036.71). The company I was working for was very small and had under ten trucks, I figured I could go to the doctor’s and not worry about the medical bill because my boss did not provide any type of medical insurance/ benefits, my boss (owner) did not want to acknowledge my injury, so I had to retain a lawyer. With that I had physical therapy and other treatment to help with my spinal injury but the injury is so server the doctors say the best results would come from surgery so they can stabilize my spine. I was paid benefits for one year through Worker’s Compensation, which did help but they are no longer approving those benefits. At this time, I am unable to return to work where I use to drive a truck or probably do any other type of job because I can not sit or stand for long periods of time due to my injuries and lack of mobility. I am afraid to have the much-needed surgery due to the weight I gained since the injury. I’ve asked my lawyer to settle the case so I wouldn’t get to this stage of heart break, anxiety, depression and what seems like an endless stream of tears with this injury and house but my boss’s lawyers have not responded to my lawyer regarding settling this case. If you can find it in your heart I, we, would be so grateful beyond belief.

paypal.me/MCA4Boogie1138

My mom passed away a year  ago. My wife, children and my self took care of her for 16 years.  We assumed the mortgage  payments  and my health declined.  I have congestive heart failure with a defibrillator , diabetes, and crohns disease.   We are now considerably  behind in the mortgage  and we need 8000.00 to bring us current, the payment has doubled but we only owe 60,000 and I really don’t want to lose the home I grew up in.   I ask that you wouldnfind favor with us and bless us with the payment. Thank you in advance.

I’ve never done anything like this but im desperate.  I am about to lose everything if i dont find someone to help me. I will give you the short version My husband and i worked hard our entire lives but i missed getting a pension by 6 months and my husband was told right before retirement that  his company sold and the new owners told him that his pension was gone! They said we could sue but they had more money than us and they would keep us in court till even if we won there would be nothing left it would go to legal fees.  So we tried to make it work.  It didn’t work and my husband had some health problems too. We are going lose our home due to delinquent taxes among other expenses.   Before this all happened we volunteered at food banks and homeless shelters now we might wind up there.  We are both in our 70’s and working in a store to try and make ends meet.  However right now we need so help to get back on track.  My PayPal email is  Trrysm@mail.com

Thank you from the bottom of my heart

First, thank you for taking the time to read this.
I am Peter 46 and widower since 2019 and father of a son of 20 and a daughter of almost 9
We were a happy family with a 12-year-old son at the time. We had no family left besides my father. In 2015, my wife suddenly became pregnant even though the doctors said she could no longer have children. Despite everything we were still happy, but our daughter became a problem child. Severe autism was diagnosed and our daughter would never be able to live independently and would always need care that cost a lot. We decided that my wife would stop working to take care of her, she was also a very successful model and that would stop too. I would take an extra job and that meant we could still live a fairly normal life.
We could no longer afford great luxuries, but despite that we were happy.
In 2019 my wife was diagnosed with cancer, she had lung cancer and also developed liver cancer, so there was a very small chance of recovery.
She had worked in chemistry for years and these were the consequences, the doctors said.
This was a major setback for both of us, but even though she was ill, she tried to care for our daughter as best she could. After 6 months she suddenly died after an operation and my world completely collapsed and I became depressed. That year my father also died in February. He had been a heart patient for a long time and we already saw it coming.
My parents had already divorced in 1995 because my mother was an alcohol addict and she died shortly after the divorce. A few years after their divorce, my father remarried a woman who was 16 years younger and just took him for the money and only wanted a lot of luxury.
After my father’s death I inherited his condo but the wife wouldn’t leave and it became a time of lawsuits and lawyers to get her out. Ultimately she had to leave after 2 years, but the big surprise was the debts she left behind due to forgery and which I could now pay for and there were also the lawyer costs that had also risen considerably. I had hoped to sell my father’s condo and use the money for better care for my daughter and the outstanding attorney fees and to be able to work more again. In the end I tried to pay as much as I could but even the sale of the condo wasn’t enough to pay for everything. Because the debts have still not been paid in full, $58000 remains outstanding. These are increasing because I cannot earn enough and caring for my daughter is becoming increasingly expensive.
My house was supposed to be paid off within 2 years but now they are trying to foreclose on it and evict me and my daughter from our home.
They want to sell the house to pay the debts and just throw us out on the street. I have thought about committing suicide several times, but I don’t have the courage because my daughter is there and she gives me a lot of love and gives me the courage to fight anyway.
But my fight is looking more and more like losing and the day we will be on the streets, I think the fight will end completely. I have to find those 58000 dollars as quickly as possible to save us and I would get an extra loan if my house is paid in full first, but that is still 2 years and we don’t have that time. My son is now in the army and tries to help me as best he can, but that is not enough either.
I heard about this site through an acquaintance and am now placing my hopes here to be able to remain in our home and continue to fight for my daughter. This is my last refuge before disaster strikes

I am still using my wife’s paypal

Last year I lost my job and unfortunately that lead to my wife and I to go through the foreclosure process, I managed to get a better job, but now it’s impossible to gather the $30,000 to retain our home. I would be grateful if someone could please help us out. This is our first home and the process was very new to us. We simply want to continue living here and hope to give back the same way one day. Thank you.

My cash app is $ECH714

I am asking for help for Foster Sisters—a little background. I was in this home as a ward of the state from 16 to 21. This Family has continued to be my family ever since and I call them my brothers and sisters and Mom and Dad, and they treat me as one of their own. My Dad passed away in January from a fall, he was 90. Mom passed away in 2013 from a stroke after the house fire. The house was rebuilt and they live there today.  Unfortunately, he was convinced to take out a reverse mortgage on his home, for which he had paid cash, back in the early 2000s by his son to help him start another construction business. This family has been in construction for many years. Well, this son had problems and decided to declare bankruptcy leaving Dad with that reverse mortgage. It is set to be foreclosed on in January if they don’t sell it.

So here we are today with the Girls Having to sell the house to pay off the reverse mortgage. The Girls spent the last 20+ years taking care of their parents so they have not worked outside the home for quite a while so could not get a loan to pay the reverse mortgage. On top of that one of my sisters, the eldest daughter at 70, came down with colon cancer which spread to her lung and liver. It is stage 4 so lots of doctors and needing care which my other sister has been doing. She is 64 but not in great health after having a heart attack at 58.

I am asking for 450,000 to pay off the mortgage so they can stay in the house till it sells. Ideally, I would like to have a loan with a lien till they sell it and then the borrower would get that money back. With the tight timeline and their having to rely on me and our church members to help pack and clean off the 5 acres time is running out. The property is in a trust for them and this sale will be all they have to rebuy and live off ofand pay for medical expenses for the remainder of their life. Dad was a Korean war veteran and it makes me sad to think about all his hard work and wanting to take care of his daughters, who never married because of trauma in their childhood, may go to the bank and leave them with nothing. This is a great loving Family that took in Foster kids for many years. The most giving people I know on earth!

Normally you’d think Brothers would be there to help but, with Dad leaving the girls the land and the boys the construction equipment there are hard feelings and no help in that form will be forthcoming

I appreciate your time in reading this lengthy letter and for any consideration you can give. Please pass this along to those you think could help in any way.

If you or someone you know could help with the loan with the lien to get paid back please put them in touch with me. 4ldharvgirls@gmail.com

my paypal.me is: paypal.me/4LDHarvgirls

paypal.me/willnotloseher

I will say this is definite not the norm for me but right now I feel I do not have a choice. My story: I got married in 1980 to a wonderful woman, the love of my life. All was great up until Dec of 2005 when my wife filed for a divorce. This came as a shock to me because I thought everything was going well, boy was I wrong and after 35 years of marriage, we were now divorced. No infidelity or abuse of any kind just some bad business decisions on my part that resulted in losing our home of 18 years. There is a whole story there but way too long to tell here, I’m sure. At any rate the divorce was really hard on me and our family, but I understood why and had to live with it. Fast forward 5 years and we decided to get back together even though I moved to another state for work, but I did tell my former spouse that I would only do it if I was able to buy her another house to which I did April of 2022. I really felt I owed her that because of losing her home the way I did. Again, it is a whole other story. My former spouse was a special needs asst for 30 years and retired a year and half ago and moved to the city where I purchased our new home. But now I am in jeopardy of losing this home also. I was able to buy this home because of the sales position I had with a local distribution company. For the last year that company has been slowly going away because of the bad dealings of the new owners owing multiple vendors and me not getting paid what I was when I bought the house. I started to get behind on all my bills including my house payment to which I was able to do a forbearance with the bank. My forbearance ended the beginning of this month, and I received a letter stating that I need to pay 6 payments I was behind ($13,000), or my home will go into foreclosure. During the forbearance I was making payments when I could, but it just got away from me. I was told that the bank will work with me to bring the account current, but it seems that is not true. Now I am concerned that once again I will lose my best friend because of this, maybe I won’t this time, but I definitely don’t want to lose this house that we have built into our home for our remaining years. Again, this is not something I am used to doing but I am at my wits end here. Please any help would be appreciated. Sincerely thank you… P.S. I do have a new job now with a great company and will be able to continue making my house payments if I am able to get the help…