Begging Money

Financial Hardship Help

Last Updated:

House I worked so hard for – Mortgage is going into Arrears

February 17, 2020

 

To Whom It May Concern, 

Hello, my name is Sarah and I am a single parent –  here is my current Life story…

I am in my late fifties and was involved in a motor vehicle accident a little over 4 – years ago. I was off work for almost 3  years after the accident. I did attempt to return to my job but after several months, due to my increased pain and the nature of my job, I had to leave work again. Again off work, I had to apply for 3 months of short-term disability. I am now waiting for long term disability so I can take the time I need to first, heal myself correctly so I can return to work for at least three more years or secondly, come to the realization that I won’t be able to return to a job I put so much of myself into. If I am unable to return to my job I will have to reinvent myself. I do have some ideas as to what my next move will be. I have had no income for 9 months which is why I had to use all the funds from the line of credit. Bank will not give me a small loan because I currently have 0 income coming in. My mortgage is going into Arrears. I do not want to lose the house I worked so hard for. I am also having difficulty finding a roommate.

I have overcome many obstacles to acquire what I have and to think that being hit from behind could jeopardize all that I worked so hard for. My long term disability caseworker stated that the medical files received did not show proof of the level of pain I am experiencing, the pain also increases in the winter. I’ve seen a phycologist and am now on the waiting list for a psychiatrist due to some unhealthy thoughts I am experiencing, As well, I continue to attend ongoing treatments with a physiotherapist, chiropractor, massage therapist and a specialist for pain management. My physician and specialist both agree that I am not able to return to my job at this time which has made no wave in my case.

I have no one to ask for help. I find it difficult to ask for help, I am so used to being the helper.

I feel like a victim who keeps living her life in rewind. Chronic pain is difficult to prove with X-rays, Scans, Ultrasounds. Long Term Disability’s actions make me feel as though I am a liar. Depression soon kicked in no matter how strong I tried to be and still try to be. I am an honest person, dedicated to my job for 20 years working with a hard to serve population but a job I am good at and truly enjoy. It is embarrassing for me to have to write this letter asking strangers for help but I am scared and desperate. So, I must ask politely, if it is possible to receive at least $5000 to cover me until I receive funds? There has been no settlement as yet in my motor vehicle claim. I will pay it forward.

Thank you kindly, for your assistance in this matter.

Sarah, 

https://paypal.me/MistyBlues4u?locale.x=en_US       

                                                          

 

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Asking for your help

Hi all,

So this is something that I never considered doing. I’m learning it’s ok to ask for help, that it actually takes bravery to admit when we need it. The amazing thing is, that more often than not when we share our experiences there is generally someone else who can relate or understands.

I am a 35 year old single woman. I live with my furbabies and I am extremely passionate about my work in the disability and mental health industry.

I am not ashamed to talk about my own mental health and the fact that 6 years ago I used gambling as an escape from anxiety and panic disorder. At the time, I didn’t realise I was setting myself up for some pretty bad conditioning, and that gaming machines would be a part of that.

Years later, I am still paying the price , excuse the pun.

The best thing I ever did was finally admit that I needed help, and I got it. I am not asking for sympathy here, but for you to understand that I have and am doing everything I can to get back on top of things.

6 years ago I started seeing a psychologist, a financial counsellor and self excluded from all gaming venues. It changed my life, and while it has definitely put me in a better position in general, I am still left with the reminders aka debts.

I have been slowly chipping away at my debts trying to get ahead , life had other ideas last year, after 8 years of working for the same company and doing my job damn well, I was involved in work place bullying and targetted which resulted in my losing my job, and as you can imagine this did not help my debts or my wellbeing .

6 months later and I have a great new job,but it hasn’t been easy ,I live in a rural town in Australia that has just gone through bushfires.

I have been trying to renovate my home the last few years, giving most things a go and attempting to do it myself, now whatever spare money I do have is going into mortgage arrears. I am so thankful that I have my house, it’s my sanctuary, even if it looks like a work zone.

Sure, I have dreams for the future and ambition to build my empire. But at this point in time my main wish is to survive. Not even to get ahead, it would be amazing to just get closer to catching up from  the years wasted on making poor life choices.

I am not putting a monetary value on here, I feel like if someone can help and you are still reading this , then that’s the main thing. Even $1 is $1 more than before.

While this is a platform for asking for financial assistance, and obviously if you can help, that’s amazing. But I also want you to know that there is a way back from the dark and you shouldn’t feel ashamed to ask for help.. fight the stigma

paypal.me/BiancaPriest

 

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Living out of my overdraft

Hello…I have never done anything like this before and I am embarrassed it has gotten to the point where I am asking people I’ve never met to help me with my financial problems. Please know I am so grateful that you would take the time to even read this, let alone consider helping me out.

I am in my early 20s, recently married and my husband and I bought a house together almost two years ago. We both work full time and have done since we were 17. Honestly, things are just getting on top of us.

In the 6 years we have been together, we have achieved so much, and while I am so proud of what we have, I think we both often forget how young we still are. We took on so much, including a mortgage and a wedding, and suddenly needed to fund the lives of middle aged professionals on minimum wage salaries.

We both have personal loans, and credit card debts. All we can do at this point is keep refinancing our debts to reduce monthly payments, all the while putting ourselves in more debt and putting the next chapter of our lives on hold for longer. We are stuck in what seems like an endless loop and it feels like we’re going nowhere. I fear we’ll never be comfortable enough to start a family. I am constantly living out of my overdraft and we have to borrow money from family just to cover our bills every month.

My husband has recently taken on a second job and so we thought it would get easier. But with interest piling up and charges for late payments getting bigger, it all just seems to be getting harder. At the moment, I just don’t see how we’ll get out of this dark hole.

We don’t go out to dinner or spend money on holidays, we barely leave the house aside from work as we simply can’t afford to. I don’t know how we got here.

Anything at all that you can spare, we would so much appreciate. Thank you again for considering us.

https://paypal.me/snoellc

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Its just me, myself and my four year old.

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My name is Vicky, i am 30 years old and my daughter is called Verity. I am currently working as a manager at a mental health hospital, as well as studying part-time in Psychology Counselling. I am a very driven woman, and have always worked for everything i have which unfortunately is not a lot.

Myself and my daughter didn’t have the best start in life together. Her dad was very abusive, and we were stuck in that situation for a year before i plucked up the courage to get him arrested, and to get us out of that situation. Two years on and we are so much happier.

While we are happier, happiness can only stretch so far when you struggle with your finances. I work full-time for the NHS, and unfortunately the wages aren’t great for the work we do. When we left our old lives we weren’t classed as important enough to be given a home funded by the government, and so we went into private renting. Currently after rent and bills we are left with next to nothing to live on.

While most people enjoy material things i feel rich with a roof over my head, and that is always the most important thing for us. My overall goal is to get us out of this two bed flat, and into our own home with a mortgage.

Its very hard asking for help as i am a proud person, however, the time has come for me to suck up my pride and ask for donations towards a deposit for a house. Currently deposits are around £15,000-£20,000 which is an impossible amount for me.

I’m in no way asking for all of that, just whatever you can to help. Every penny will be greatly appreciated, and i will keep you updated on our journey.

Thank you so much.

V & V x

paypal.me/vickycharters

 

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Mortgage and Other Expenses Help

I have no idea how to start this. It all started when my mom had a stroke in April of 2018. We are very behind on our mortgage payments and have no hope of getting out of this hole. I have decided that I will ask for help because we can not lose this house. It is supposed to be a new year but nothing new has happened.

 

I just found out that our mortgage on our house is in default for 3000 dollars that we do not have. The bills are all behind by more than a month and I think there are a couple of personal loans that payments are behind by months as well. At this rate, we are going to lose the house and have all the utilities turned off because of being negligent. 

 

Then I find out that one of the credit card companies is being aggressive about missing payments and we can not handle any kind of law issues right now on top of everything.

 

I have not been able to get a job because I have no experience and I can’t just leave my mom to fend for herself. She can not even leave the house because of the snow. 

 

For us to be back up to date with the bills is going to take a lot. I don’t understand how any of this works. We can not afford to have collectors after us about the loans that my mom has or for the credit cards.

 

Mortgage= 3000 dollars

Credit Cards= 5000 dollars

Loans= 8000 dollars

Electric= 700 dollars

Propane=1000 dollars

Phone= 500 dollars

Internet= 500 dollars

 

So these are what I think will get us up to date for all of our bills and such.I want to get it caught up and to stay that way. I think that this is something that I do not understand but it is what needs to be done. I am trying really hard to not panic. But my mental state and my mom’s for that matter are encompassed by financial problems and not much else. 

 

But you know what I have no idea if I have even made any kind of sense in this letter or if I have just talked in circles but it all really hard for me. I used to be one of those kids that knew nothing about my family’s money struggles. And now that it is just me and my mom after my dad and grandpa both passed away in 2015 and 2017, respectively; I have been trying to help out more. I have been taking care of my mom since she came back home after staying in an assisted living facility for almost 10 months.

 

https://paypal.me/kkarsten24

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PLEASE COULD SOMEONE HELP ME FINANCIALLY. I’M DESPERATE !

Hello, my name is Samuel and I’m 49 years old and I live in the U.K. with my wife and four children.

22 years ago, I was diagnosed with a bowel condition which completely changed my life for good. An illness which you lose all control of your bowel at any given moment. I suffered terrible humiliating experiences during the earlier days, of which I’m sure whoever is reading, this can understand the degrading way it can affect you.  Several major operations later, I am effectively cured, however, with a new bowel to cope with, life is challenging, at the best of times.

I was initially unable to work for two years due to my illness, which financially put me under all amounts of stress and pressure. For the past 20 years, from the moment I open my eyes in the morning until the moment I eventually shut them at night, I constantly stress and worry about my dire financial situation, which is due to enormous amounts of debt, built up over the years through continuous lending and pay backs. There has not been a minute of every day for the past 20 years that I have not thought about my situation.

I am a very proud person with a positive attitude, however, over the past few weeks, I am now so desperate, I feel that I simply cannot go on. I have considered suicide, I cannot deny it, as I feel there is absolutely no hope for me anymore. My credit report score is rock bottom and nobody can help me.  Me asking for help is a challenging thought for me, as previously mentioned, I am a proud person and resorting to this is difficult. However, for me, there is no other choice.

I live a very secret life of constant depression due to my financial struggles, which nobody else knows about. The only thing I look forward to is bed time, because this is my own time where I don’t have pretend to anyone, somewhere where I can just pull the duvet over my head and shut my eyes, away from everything else. This, however, is short lived, as it all starts again when I get up out of bed.

I will often go places and just sit in my car, trying to think of ways that I can get out of this mess I am in. I am so desperate to clear my debts and start again with a fresh and new outlook. I would honestly love to wake up one morning and just be able to smile. I would love to stop living a double life and I often think what that would be like. Money has dominated my life for 20 years through debt and misery, and to rid myself of all of that would be the most amazing experience that I can only dream about.

This is the first time in those 20 years that I have ever mentioned anything about my life, and reading it back to myself is extremely depressing and sad. I am hoping and praying that there is somebody out there who could find it within themselves to help me at this desperate time. I am literally begging for help, please, to erase £4,350 worth of debt from my life.

Thank you.

PayPal.me/SamuelGB140

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Father of 7 in need.

Hello,

Thank you to anyone that may read and consider this request. I am a father of seven wonderful kids. I had three from a previous marriage and my wife also had three from a previous relationship. After we were married we had an “oops” baby and she 100% completed our little “Brady Bunch”. My wife and I are in our late 30’s and both are employed. She is a paramedic and I work at a local factory. We have a small home which we are very grateful to have. It was my grandparents home built in 1958 and my mother was raised here. The house is in need of several updates including: septic, heat and ac, windows and electrical. The list could go on but any homeowner can make a list like that. We are rapidly out growing our home. We currently have two 13 year old boys, a 12 year old girl, a 12 year old boy, a 7 year old boy and a 3 year old girl. The oldest is 20 and has moved on to live with his girlfriend. We have tried and tried to find the means to do an addition to our home to make more space for the kids as well as get the necessary updates listed above. We do not have enough equity in our home to make all of this happen and while I do have some construction knowledge, I am not able to take on this endeavor alone. The addition we have had drawn up will be close to doubling the size of our home. It would give each child their own bedroom plus add an additional full bathroom and half bathroom. The kitchen would be remodeled to allow for enough space to have a family dinner table added because my wife and I would love to be able to sit down for dinner each night with the kids and be able to use that time to find out how things are going in each of their lives. The cost involved in all of this is great. The addition and updates will be near $100,000. That being said as well my wife and I would like to ask for an additional $150,000 to pay off the mortgage completely so that we may be able to use the money saved from that expense to give our children a life we never had as children. A comfortable life. I have worked for everything that I have and am very blessed to have a healthy and happy family. My wife and I are simply not able to find a way to make this happen without asking for a donation. Once the work is completed and all the changes are complete, we would welcome any donor to come and see what they made possible for our family. Thank you so much for the time you’ve taken to read this and have a blessed day.

PayPal.me/tdturner98

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Help save our home

Hi, my name is Kayla.

Firstly, I would like to thank you for taking the time to hear my story.

It took a lot for me to reach out to the public for help but I fear I have no other option. I have struggled to put this out there, as I do not wish to impose on anyone. In the last few months, I have been struggling to keep up with my rent and am now facing homelessness, unless by some miracle I get some funds.

Even a dollar can go a long way to help save my home. Nothing is too small.

In 2003, I was in a major car accident which resulted in me being a paraplegic. I, by no means, let that stop me. I work 6 days a week for 10 hours a day but it still is not enough to keep up.  Being independent is important to me, so when I had to come to the realization that I can’t pay rent, it felt like a punch to the gut.

The home I am in now is accessible for me and has been a blessing. Renting over the years has been a nightmare and really difficult because of my wheelchair. So my hope and wish is to stay in a place where I can live independently.

In all my life I never imagined I would be in this kind of situation. I believe in working hard and being able to provide.

So, With all my pride set aside, I humbly ask you for any assistance in helping me keep my home.

Once again, I want to thank you for your time and help only if you are able. I hope that someday soon I will be in a position to help others in a crisis and pay it forward.

My gratitude is yours to any of you who help.

https://www.paypal.me/MissADP

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Mortgage

Hello,  This is difficult but a must.  I was to be in Montana today, visiting with my cousin, unfortunately she died last week, on the day I was to travel to visit with her in the hospital and get her back home.  We grew up together, went to school together and played our silly games together. I will miss her, she was a talker, I’m smiling as I remember her.

I currently live with my sister in her home.  She has been wonderful to me and allowed me to stay in her home for the past 10 years but she is getting older as am I and I need to ensure that I have a place to go. No, she won’t leave this house to me, she has a child and grandchild and great grand child and though I don’t know for sure, I believe she will leave this house to her child, mortgage and all if it’s still in place.  She knows I can’t afford the monthly mortgage without sacrificing food.

I would like a place to call home.  I have not been the best keeper of my funds throughout my life and currently I lack the funds and the required working income to get a home mortgage of my own. One bank told me the amount I was requesting was to small for them to even look into a mortgage. I do not qualify for a loan, I tried.

I do work, on a part time basis and am retired, so I receive a small social security check each month. I retired a few years ago as I was not feeling well and thought it was the right thing to so.  At the time it was, but I am better now and it was not the right thing to do as I will receive a reduced benefit for the remainder of my getting social security.  I sometimes wonder if I could have waited until I was 70 or older.

My cousin’s husband offered to sell me her house, he lives in the house left to him by his parents,  in the same city.  He offered to sell me the house for 15,000.  It’s a great little house, and I know the house as I have been there before.  I don’t have that amount he’s asking me for, I did ask about a payment plan but he said that he wouldn’t live long enough and that I could get a loan, I can’t so I’m asking all of you. The other ways I looked into to get the money but been unsuccessful so here I am.  Asking you to donate some or all to the realization of a home for me.  I know you don’t know me and as reluctant as I was to do this, here I am putting myself out there.  I will happily keep you all updating on my progress in the home, once I get there or answer any question you may have.  I’m told that you have to see something to make it come true, so I am seeing this happen for me. Please help me make this happen.  I will be eternally grateful to you and yours.  Thank You for taking the time and  Thank You for donating.   Eli

https://www.paypal.me/Homeforme

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NO WAY TO BUY HOUSE AND NOWHERE TO RENT

We are currently renting a home in which my spouse and daughter reside. We have been current with our rent for more than 15 years with this same landlord. Unfortunately, he has decided to sell the home on 3.5 acres of land and offered to sell to us for $130,000. We are currently trying to get a mortgage, unfortunately, due to being self-employed as a general contractor and not having enough proof of income to be approved. We currently have business in Juniata County and with many times looking for a house to rent at least until we find another proper home, living out of the area would conflict with our steady income. Our original plan was to buy this property so we can do renovations to bring our son home.
Our son, Austin, of McAlisterville, was riding his bicycle to school on Friday, September 29, 2017, when he was struck by a car. Austin was thrown from his bicycle and sustained serious injuries. He was life flighted to Danville Hospital. The injuries included a traumatic brain injury, a stroke, broken knee cap as well as many internal injuries which placed him in a coma for three weeks. After 9 months of physical therapy in Hershey, he now resides in Brookline Nursing Home. He is transported by school transportation to his high school five ½ days a week.
Overall, he needs 24-hour care. We were told by public assistance that there is a waiver program that would help with providing at home care as well as therapy.
We don’t feel he gets the proper care being in a nursing home since his needs are so different than other residents in the facility. Unfortunately, there are no other nursing homes for young adults with a traumatic brain injury in Central Pennsylvania.
We understand that this is quite a lot to bear when he gets home but I feel his well-being and his recovery would develop quicker with constant support.
At the present time, we are just looking for $130,000 to purchase this house and eventually bringing our son home. We understand that $130,000 is a lot of money and we feel very uncomfortable asking for help like this but we are out of options for finding a place to live in our area. We appreciate anything that we can get to help us with this problem that we are having.

John Hunter and family
Paypal.me/Hunters424

** specific information blocked out on image for privacy reasons

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Any help or advice greatly appreciated

Dear amazing, generous strangers
Where do I start? I have scaled the depths of the internet world in search of make money quick tactics but I have failed and lost more money signing up to these gimmicks. This is why my message lands in your Inbox. My name is April, I live on a little island in the United Kingdom called the Isle of Sheppey. It is nothing special but it’s our hometown, the hometown me and my husband thought to be perfect for our young son to grow up in. I am 32 years old and have worked since I was 14 until approximately 4 years ago. I left my longterm job of over a decade for a job closer to home, more pay and much better hours (who wouldn’t), sadly the company went bust within 11 months of me starting to work. I tried for a VERY long time to find more work but was unsuccessful. I then fell pregnant and it didn’t seem plausible to get a job whilst pregnant. My husband earns a very good wage but sadly due to this he has to pay out a substantial price in taxes, national insurance, work perks, expenses etc. Aswell as trying to look after our home and joint finances. I always planned to go back to work when our son started nursery however I have always suffered with mental health issues but somehow got through life until it was too much. Things really did blow up for my family. I lost myself, I didn’t recognise myself nor did I like myself. The pain I caused people around me was unthinkable. I was severely depressed, suffering panic attacks multiple times a day, couldn’t eat or sleep, I was a bag of agoraphobic bones just moving from my bed to the sofa each day was painstaking. All the days blended into one and I festered and panicked my way through almost a year until the darkest time of my life. 14th August 2019 I wanted to end my time on this earth. I felt I was a complete burden to everyone around me and that my beautiful son deserved so much more than I could offer. After  6 hour long panic attack, self harm, mental health crisis teams, two ambulances and my husband racing back from his work place which is 200miles away from where we live. It was a very difficult time. The next day I started antidepressants which was a panic induced whirlwind at first but it has saved me and I am getting better but still waiting for therapy. Our mental health service is VERY stretched in the NHS. Anyway my point is I have zero money of my own, I have maxed my overdraft and my credit card. My husband is struggling with money I know as he has become very stressed and pushing me to get work which I am not mentally ready for. I have tried to start a business from home, if you’d like to check it out on Facebook it’s called Biddy’s & Bouquets. I make gift hampers, chocolate and sweet filled balloons, balloon Clusters etc. It doesn’t seem to be taking off how I had hoped though and I worry for our future. We live in a huge house and you would think we have money but we don’t. Nothing spare, everything goes on bills and debts we have accumulated in an attempt to get myself better. Spending thousands on retreats, hypnotherapy, private psychiatrists you name it. My marriage is struggling, our life here is not certain. We never used to play the lottery until recently we are just hoping we will be lucky but it is money we truly do not have. We don’t smile or laugh like we should. We worry about every single penny. In an ideal world and my dream is to have our mortgage paid, all our debts paid off and me be able to run a small animal sanctuary and to also become a buddy to local elderly residents. I feel we are just stuck, and will always be paying things off until we die or lose everything. There are people out there so much worse off but I hope you can see that I want to do good, I am a good person and I find it incredibly sad that money is basically everything. If my message made it to your screen then I do hope you can at least be humble and offer advice to me to end my plight. I’ve never asked anyone for anything in my life, nor has my husband so I feel extremely shallow sending this “sob” story out to you all. I do hope to hear from you and wish you a wonderful New Year, a new decade for new beginnings.
As I type this to you my husband has just been on the phone to me in tears over money. He kept us afloat when I was poorly, paid everything he could to try and help me get better and now we are suffering. For him to cry has really broken my heart. I know there will always be someone worse off but everyone’s pain and suffering is true, real and matters. My husband feels the only solution is to sell our house. Which is going to be hell. We’ve hit rock bottom now, is there anyway you can help us? Forever grateful even just for you to acknowledge my plea.
Kindest Regards,
April
paypal.me/asholland87

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Last Visit May Cost Me Home :(

Hello everyone,

 

 

Writing this is the worst feeling in the world.

Back in November, I found out my best friend and love of my life’s cancer returned, and the outlook was not great. I immediately flew out to Utah to see her and spend time with her.

 

This emergency trip cost me way more than I anticipated, and now I am behind two mortgage payments. I am requesting $2000 to help me get my finances on track, as my credit score and student loans are making other options very difficult, and my full time job takes up most of my time.

As for my friend, she is doing much better now. She is not in remission, however, her situation is under much better control than it was a few months ago. For this, I am overjoyed, so even if I do not find a donor, I still have that happiness in my heart.

My situation, however, is far from controlled, and any help would be appreciated. Thank you for taking the time to read this and for your consideration.

 

https://paypal.me/hopefor2020?locale.x=en_US

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I need help raising money for 1st home down payment

To whom it may concern,

     My name is Luis. I am writing this letter because I would like to kindly ask for help accomplish one of my dreams, which is to buy a home.  I am currently trying to save money to buy an affordable home in Connecticut, which is where I live. I have a job helping my community as well as my family members.  I am having a difficult situation right now because I need a place to live that I can afford and at the same time help my parents pay their monthly expenses. They are retired, but their pension is not enough to cover their monthly expenses.   I cover a significant amount of their expenses on a monthly basis and this has prevented me from saving enough to buy a house. I need to collect at least an additional $15 K for a down payment. I have saved some money so far, but it has been difficult at times due to my personal responsibilities.  Connecticut is an expensive place to live and my income is not necessarily high enough to cover those expenses while assisting other family members. I am the 5th of 7 children. I have asked all of them to help me assist my parents, but so far no one has agreed to help. My youngest brother is in college and I have been helping cover part of his college education since his freshman year.  I do this because I care for him and because my father needs help paying for my brother’s expenses, including his tuition, books and other additional costs. I work in the education system and therefore am making a difference in the community by helping inner city students obtain an education with the hope of reaching a better future for themselves. I have served as an interpreter at a local free clinic in my town (Bridgeport, CT) for several years to help people in need, have worked with a refugee family assisting them finding employment, transportation and even housing in the United States.  Also, I have done service work helping homeless families in my community. Many people consider me some type of humanitarian person since I’m always helping those in need without any expected compensation in return; on the contrary it has helped make new friends. I would like to humbly ask anyone who reads this message to help me out the way I have helped others. Any donation helps, even the smallest donation helps. In the meantime, I will keep on working hard for my dream and hope to finish it soon. 

My paypal account is:  https://www.paypal.me/riverasla 

Thank you.

 

Sincerely,

Luis Rivera.

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Need Help FAST! Foreclosure immentent!

My name is Patrick,I’m 40 years old, disabled, and the father of 4,and living on a very meager fixed income.I am writing this in hopes of getting some form of assistance with my mortgage which is currently in foreclosure. I had a major disagreement with the mortgage holder back in July 2018, i had had a previous foreclosure attempt made by them from 2017 after an accident that left me hospitalized for months and unable to keep up payments for 6 months, in February of 2018 i paid the previous amount due in full and brought it up to current. In March of 2018, the mortgage company failed to notify the proper departments that i had paid the previous delinquent amount in full, and they proceeded to hire an attorney to continue with the foreclosure process, the entire process continued without my knowledge up to the point that i received a letter in June 2018 stating that the process has been completed and that i no longer own to my home. After receiving this letter i contacted the mortgage holder, and they told me that there was nothing to be concerned about, that it was simply a mistake on their part. The following month i received another letter from the mortgage company stating that i owed $5481 for attorney fees that were charged in March of 2018. Naturally i called the mortgage company again to dispute this charge, they informed me that there was nothing they could do about the charges despite my having already paid the aforementioned delinquent amount back in February and that i was no longer in the foreclosure process at the time the charges for attorney fees were added. I refused to pay them another dime until they resolve the matter. And now here we are over a year later in the foreclosure process again. I am not certain what type of help i need but that i simply need some form of help in dealing with them. They are a government backed mortgage company, and therefore they do not care enough to help to resolve their own mistake. It seems as though they would rather just foreclose on my home than simply remove the attorney fees that i am clearly not responsible for. At present i am over $10000 behind on mortgage payments with the $5481.00 fees still included. I have made multiple attempts to work things out with the company, they will not compromise beyond admitting that it was their mistake. I have been given the run around time and time again and i’m at the point, i don’t know what to do. 2 of my 4 children are special needs, the oldest son has cerebral palsy, my 9 year old daughter has autism spectrum disorder. This house has been specially modified to accommodate their needs and i hate to lose it, but it doesn’t matter if i won $10,000,000 on the lottery tomorrow i would not pay this mortgage company the 5481.00 for attorney fees that i am not responsible for. I would sooner give the $10,000,000 to an attorney of my own choosing to sue the mortgage company for mental anguish at this point. Being that i can’t afford to play the lottery, it is highly doubtful that i will win it. I am in dire need of help in finding a new home suitable for the needs of my children, or the means to fight this foreclosure in court. Time is getting short as I’ve already exhausted all avenues to resolve this on my own to no avail. If anyone who reads my plea, can find it in their heart to help me I would be forever grateful and would do my best to repay their kindness an any way I could. I would never ask for something for nothing, I wasn’t raised that way, I legitimately need help, not charity. Please email me at Demonero315@gmail.com with any possible solutions you may be able to think of.

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Needing Help Through Holidays

Hi. as the end of the year approached everything was looking to be in order and as you know right as everything seems to level out thats usually when something happens. well, that something happened. i was driving a beater vehicle and so was my wife. her car broke down so we had it towed off to be fixed. we had a hard time coming up with the money to get it back from the dealership so we were doing the one car thing for a bit and then BAM, my car goes down too. my car was old and it would have cost way more to fix the issue than it was worth. so we did the rental car thing for a while until we could save up and get her car from the dealership. well, we finally save up the cash and head to the dealership to pick up the car..

we get there and they pull the car around. while the car was on their lot, someone stole her sun roof out of the car and no one seemed to notice. the car was completely ruined. there was 6 inches of water in the back floor. grass was growing several inches out of the carpet. mold everywhere. we were devastated. we asked them how much a new sun roof would be and they qouted us 3k not including labor. once again.. as a family of 5 we could not afford that. the dealership worked with us the best they could given the situation. we got a new car but we are still stuck doing the one car thing and the new car set us back. we are currently behind on our mortgage now, bills are due, and we dont really have the extra money for christmas and i dont want to disappoint my family. my oldest daughter has a field trip coming up that she really wants to go on thats 1400+ dollars and it just seems like its never going to end.

i’m not asking for a set amount but i can say that if i could raise 3-4000 dollars we could catch up everything and get going in the right track. i’ve never been the kind of person to ask for charity but im out of options at this point.

if you read this far, thank you from the bottom of my heart for even listening. if you can help at all it would be appreciated so much.

happy holidays.

paypal.me/baconmetal