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12-28-2006, 06:29 AM | #1 |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| im getting ready to lose me home..... well everyone. I just want to vent alittle and cry., I about to lose my home. If i dont have 1521.00 paid today by 3:00 they are going to serve papers. Im so mad and upset. we worked so hard for this house and now i have messed it up! they will not wait any longer. so..i dont know what ill do. Dont want symphathy . I just am terrified and lost. i didnt sleep at all last night either. |
Welcome Guest! | |
12-28-2006, 06:32 AM | #2 |
Cosmo, Minnie, and Lillian Donating Member Join Date: Sep 2006 Location: New York
Posts: 3,107
| Maybe you could borrow the money from friends and family? |
12-28-2006, 06:33 AM | #3 |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| not that i have found. I got my taxes done yesterday thinking i would get enough to cover most of it....well I didnt!!! |
12-28-2006, 06:38 AM | #4 |
I Love My Yorkies Donating Member Join Date: Feb 2005 Location: Indianapolis, Indiana
Posts: 37,147
| Do they have any form of forbearance agreement where you can pay the amount you owe slowly in addition to your monthly morgage? Thats what we did when we got behind on our mortgage once. And yes we were served with forclosure papers. You should check into it
__________________ Chachi's & Jewels Mom Jewels http://www.dogster.com/?132431Chachi http://www.dogster.com/?132427 |
12-28-2006, 06:38 AM | #5 |
Yorkie Kisses are the Best! Donating Member | Some churches offer emergency help ...have you tried there ?? |
12-28-2006, 06:43 AM | #6 |
Donating YT 500 Club Member | I guess at this point there is no making other arrangements for payment in the near future? I don't know your situation, surely there is someway to save your home though. I just heard a report the other day about the growing number of homes in foreclosure, it is scary. I'll be praying for you today - somehow it will be all okay.
__________________ ~Ruby, Reno, Razz, & Jack~ |
12-28-2006, 06:44 AM | #7 | |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| Quote:
yes once we are served we have like 10 days to get it current. theres no making slow payments in it at all. the most the churces pay is 100.00 around here abd there is only 1 church that does it. they have been patient though. they could have enforced this about 14 days ago but didnt but now its down to the wire.. I have somebody i could probably go ask but i havent seen or been doewn to talk to them for amost 4 months. There like parents to me but i feel so ashamed becasue i already owe them money. Its really messed up on my part but i didnt go see them BECASUE i owe them money and felt useless and now i dont want to go down there and ask them for 1500.00. See what I mean. | |
12-28-2006, 06:45 AM | #8 | |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| Quote:
Thank You so much! I need all the prayers I can get! I get the rest of my taxes January 16th....but that crap doesnt help me now!! | |
12-28-2006, 06:51 AM | #9 |
No Longer A Member Join Date: Aug 2005 Location: NEW YORK
Posts: 16,218
| I am so sorry for your troubles and troubles they are. Isn't there anyone who can give you assistance? I will keep you in my prayers for an answer to your problems. Carol & Buddy |
12-28-2006, 06:52 AM | #10 | |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| Quote:
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12-28-2006, 06:55 AM | #11 |
Donating YT 500 Club Member | I believe the tax prep. businesses here offer a service where you get your tax refund now from them, and then when the govt. check comes in the tax prep. gets it. I'm sure there are fees involved and that might deplete your refund to the point of it not being worth it, but then maybe not. Do they offer anything like this there?
__________________ ~Ruby, Reno, Razz, & Jack~ |
12-28-2006, 06:57 AM | #12 |
Donating YT 1000 Club Member Join Date: Mar 2006 Location: Tennessee
Posts: 1,643
| Can you sell anything...??? Do you have anything that you could sell??Ebay can get you out of a bind really quick... Most of us have been in situations in our lives very similiar to yours......and if someone tells you otherwise......well, they are living a fantasy.....but, anyway....you need to get mad.....mad and find a solution TODAY!!! Don't wait ....pray yes, but God gives you brains, and strength, and other things..maybe humility....too.....but, get on the phone...call your lender, as for assistance of a "work out program". If if is Freddie Mac or Sally Mae......they are legally required to offer it... I do know that if you request a repayment program from your lender, they are obligated to offer it. It will increase your payments for a while but it will stop the foreclosure...but, I will stress this....... Document every call, write a letter, send it over night.....keep copies......document , document.......do not let this go.....you can fix it!!!! Good luck.....what about calling the lender right now saying that you want a "repayment plan??? Call right NOW... Believe it or not the lender does NOT want your house.....they get penalized by the gov't for taking someones home without trying to work out a "repayment plan". Get on the phone right now....if they try to blow you off, as for a supervisor.....go as high as you can......but DOCU MENT it all..... Do it now....quick crying girl...you can do it.... Go go go......be strong!!!! Last edited by Saleswman; 12-28-2006 at 07:02 AM. |
12-28-2006, 06:59 AM | #13 | |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| Quote:
i did that yesterday. I went it and only got what i qualified for which was 400.00 so i guess I really only only need 1100.00. Ill get the rest on Januarey 16th.....which doesnt help me now! i was just going to go ahead and try to pay january now and then on janusary 2nd ill get paid for my daycare and ill take that money and go ahead and pay febs payment so im always 1 month ahead.... | |
12-28-2006, 07:01 AM | #14 | |
BANNED FOR SCAMMING MEMBERS! Join Date: Jul 2005 Location: Kansas
Posts: 2,811
| Quote:
i bought mine on contract for deed.....AKA..a contract with the owner...it isnt thru a lender or anybody like that.. i paid the down payment to the owners and they drew up a contract. | |
12-28-2006, 07:10 AM | #15 |
Donating YT 1000 Club Member Join Date: Mar 2006 Location: Tennessee
Posts: 1,643
| They are going to take your house for 1500??? Kristy, WHAT???? Your owner will foreclose for 1500????? What a jerk.....sorry.... Get on the phone, call Legal Aid.....they are a free service by the city you live in...they could give you advice....tell you how to delay the proceeedings.... Can you talk to the owner"s attorney, and tell them you can pay the balance on the 15 of Jan. Their attorney should be willing to help instead of going to court for the foreclosure.... I tell you, this is rediculous.......and mean spirited..... Get mad....sell something |
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