I Need Yt Prayers Please! - Page 3 - YorkieTalk.com Forums

Gingergirlsmom · 06-09-2007, 06:24 AM

amber, i'm so sorry to hear this. sending you a pm.

Sugar's Mom · 06-09-2007, 06:47 AM

i have been in a similar siuation and we nearly lost our farm and everything we own a few years back. we couldn't even file bankruptcy becausee of a trust fund that we couldn't touch at the time, that would have taken care of everything so we struggled and struggled and finally things did work out. i know there is power in prayer and God has never failed me yet nor will He fail you. just remember if He cares so much for the little sparrow that falls from the sky, how much more He cares for you.

Ciera's mom · 06-09-2007, 07:14 AM

I am so sorry that you are going through this Amber

I can definately feel your pain. We are going through the same thing right now. I have two small boys myself 2 and 10 months and our mortgage got behind because of medical problems and medical bills. Our company is doing the same thing to us that yours did to you except they havn't done the foreclosure thing yet and I pray it doesn't come to that. I just had them send a check back to me refusing payment this past month so believe me I know how it feels to be scared to death about losing your home. We have tried to get refinanced as well with no luck because it has ruined our credit. You and your family will be in our prayers and if you ever need someone to talk to I will be here for you.

bettyeanne · 06-09-2007, 07:25 AM

I am so terribly sorry. All I can offer is my prayers! We have all been in these impossible situations at one time or another and completely understand where you are. The only thing I know for certain is that "all things work together for good ..... ". God bless you and your family.

IluvLucy · 06-09-2007, 10:43 AM

Quote:

Originally Posted by Amber_lv

we don't have any debt except our house and second and just our monthly bills and groceries. It's not that we can't afford what we have now it's just in a few months that it will be impossible our house payment will prob go up to $1600 + and then the $350 second which we had an adviser tell up to take out to pay off our medical bills on our credit. We don't have any credit cards. So i'm not sure what they could help us with. Our problem is what happened with the house hurt our credit so we are having a hard time finding a lender to help us

The company I work for sells home loans on the secondary market at lower rates. I know we have programs for people with credit problems (even though I know it's not your fault). Check with some of your local lenders to see if they have any programs like that.

Amber_lv · 06-09-2007, 10:55 AM

Quote:

Originally Posted by IluvLucy

The company I work for sells home loans on the secondary market at lower rates. I know we have programs for people with credit problems (even though I know it's not your fault). Check with some of your local lenders to see if they have any programs like that.

thank you that is what we are doing we are just at the cut off and that is why we are hoping to beable to get it.the guy we are working with is great i really hope he can find us a lender. it's just most lenders know you are backed into a corner and either they won't help you or they take you for everything.

RoxyJosMom · 06-09-2007, 11:44 AM

My heart goes out to you Amber. Just about everyone has been in a situation similar to yours at one time or another. We got royally scr--ed by 2 financial institutions at the same time. The trick is to find a lending institution that cares more about people than about money. We have had the best customer service with Bank of America. They helped my dtr in SC (that's in another thread) when things went all wrong for her. I would check with them if they are near you. We have dealt with them in 4 different states and they have gone out of their way to help us with any problems that arose. But, whatever happens, you have my prayers that things will work out for you and your family.

Morkie4 · 06-09-2007, 12:21 PM

Just want you to know I'm thinking of you and hoping everything works out for you being able to keep your home............enjoyed our little chat yesterday. You are one of the nice people that makes YT so enjoyable and so "family" feeling!!! Hang in there; you have my number if you want to talk.
Keep us updated on how things go!!! Licks and woofs to Peeka & Daisy from Toby and Kallie!

Gingergirlsmom · 06-10-2007, 04:16 AM

Still hoping all goes well. I just read your other thread about Peeka. Girl, you are having a bad week...but, believe me when I tell you that it WILL pass. I'm here for you (as are several others,you are much-loved here) if you need to vent, talk, or just go on about something else entirely.

Ozzie'sperson · 06-10-2007, 09:40 PM

Thoughts and prayers for you and your family, Amber. And rest assured you have nothing to be embarrassed about. Unless you were born with the deepest of pockets, there isn't anyone who hasn't had serious money woes at some point.

The only thing worse than those are health problems and it sounds like your family has had its share of those as well.

Sounds like you are trying to get yourself back on track. Here's hoping for your success!

omega · 06-11-2007, 05:34 AM

Amber, I sure hope this goes through for you. When I think of how much time and energy you spent on the GE for Brea when you were having so much trouble.... it makes everything you sent even more special.

You have a big heart and I hope that things turn around quickly for you.

Pipersmommy · 06-11-2007, 08:36 AM

Sending you the prayers you asked for. Haven't been on quite as much. I had to get a job since Hubby's company he works for is having problems. He was due a raise, & never got it. Now they are only working him 4 days a week. Hopefully it won't last long. I'm working all the hours I can. I'm just glad I don't have little children at home, so I can. Hope all goes well for you, & I'll keep you in my prayers daily.
Love, Debbie

CO_yorkie_momma · 06-11-2007, 09:24 AM

Amber, I am sorry to hear about your situation. Believe me, I know how hard it is to get behind and have to try and recover from that especially if you are like me and live from paycheck to paycheck. I am sure you will find the loan for you. Alot of banks lend to people with not so great credit. You may have to pay a higher interest rate but you can do that until you credit bounces back up and then refinance again. Sometimes you just got to do what you have to do for that moment. You should feel very lucky that you dont have a mountain of debt and alot of credit cards racked up to add to your worries. There are alot of people in your situation that thought they were getting a great deal with the ARM loans and now are in your position after the initial low interest rate goes up. The banks dont care either, because that is how they make their fortune. They hope you default so they can reposses your house and resell it for alot more than the loan is. Dont lose sleep, I am sure you will get the loan that you are needing. Prayers and good thoughts going out to you. Keep your head up and it will be better in no time.

lisatodd · 06-11-2007, 09:43 AM

ohhhh, how aweful. i will pray everything works out for you. i know the hardship and trying to get out of it. i was there too once

Yorkieluv · 06-11-2007, 09:55 AM

Amber, prayers going out for you right now!! I'm so sorry to hear about this, and don't be embarrassed...Things like this happen to everyone, and if we don't know about it, we can't pray about it. Take care and try not to worry. I know it's easier said than done. But seriously, make yourself BELIEVE that the refinance WILL go through...Praying for you!!

06-09-2007, 06:24 AM	#31
Gingergirlsmom and Bernie's mom too!" Donating Member Join Date: Nov 2005 Location: Pennsylvania Posts: 8,283	amber, i'm so sorry to hear this. sending you a pm. __________________ Ginger Bernie Fun Kitty

06-09-2007, 07:14 AM	#33
Ciera's mom Donating YT Addict Join Date: Jun 2005 Location: Texas Posts: 485	I am so sorry that you are going through this Amber I can definately feel your pain. We are going through the same thing right now. I have two small boys myself 2 and 10 months and our mortgage got behind because of medical problems and medical bills. Our company is doing the same thing to us that yours did to you except they havn't done the foreclosure thing yet and I pray it doesn't come to that. I just had them send a check back to me refusing payment this past month so believe me I know how it feels to be scared to death about losing your home. We have tried to get refinanced as well with no luck because it has ruined our credit. You and your family will be in our prayers and if you ever need someone to talk to I will be here for you. __________________ Ciera Chloe

06-09-2007, 07:25 AM	#34
bettyeanne Donating YT 7000 Club Member Join Date: Mar 2004 Location: Alabama, etc. Posts: 9,031	I am so terribly sorry. All I can offer is my prayers! We have all been in these impossible situations at one time or another and completely understand where you are. The only thing I know for certain is that "all things work together for good ..... ". God bless you and your family. __________________ Toto's Mom - http://www.dogster.com/?206581 Yorkie Rescue Colorado - http://www.yorkierescuecolorado.com/ "The difference between genius and stupidity is that genius has limits." -- Albert Einstein

06-09-2007, 11:44 AM	#37
RoxyJosMom Love The Verminator! Donating Member Join Date: Jul 2006 Location: ny Posts: 4,282	My heart goes out to you Amber. Just about everyone has been in a situation similar to yours at one time or another. We got royally scr--ed by 2 financial institutions at the same time. The trick is to find a lending institution that cares more about people than about money. We have had the best customer service with Bank of America. They helped my dtr in SC (that's in another thread) when things went all wrong for her. I would check with them if they are near you. We have dealt with them in 4 different states and they have gone out of their way to help us with any problems that arose. But, whatever happens, you have my prayers that things will work out for you and your family. __________________ Roxy loves Alphy Remi loves Millie [COLOR="Purple"]Mom to RoxyJo & Remington , Fozzy Bear & Chloe

06-09-2007, 12:21 PM	#38
Morkie4 Donating YT 4000 Club Member Join Date: Oct 2006 Location: Florida Posts: 4,549	Just want you to know I'm thinking of you and hoping everything works out for you being able to keep your home............enjoyed our little chat yesterday. You are one of the nice people that makes YT so enjoyable and so "family" feeling!!! Hang in there; you have my number if you want to talk. Keep us updated on how things go!!! Licks and woofs to Peeka & Daisy from Toby and Kallie! __________________ CAROL ~ Krissie ~ Toby ~ Brandy ~ Buffy Proud member of Maltesetalk and Yorkietalk

06-09-2007, 06:47 AM	#32
Sugar's Mom BANNED! Join Date: Aug 2005 Location: Kentucky Posts: 9,248	i have been in a similar siuation and we nearly lost our farm and everything we own a few years back. we couldn't even file bankruptcy becausee of a trust fund that we couldn't touch at the time, that would have taken care of everything so we struggled and struggled and finally things did work out. i know there is power in prayer and God has never failed me yet nor will He fail you. just remember if He cares so much for the little sparrow that falls from the sky, how much more He cares for you.

06-10-2007, 04:16 AM	#39
Gingergirlsmom and Bernie's mom too!" Donating Member Join Date: Nov 2005 Location: Pennsylvania Posts: 8,283	Still hoping all goes well. I just read your other thread about Peeka. Girl, you are having a bad week...but, believe me when I tell you that it WILL pass. I'm here for you (as are several others,you are much-loved here) if you need to vent, talk, or just go on about something else entirely. __________________ Ginger Bernie Fun Kitty

06-10-2007, 09:40 PM	#40
Ozzie'sperson Donating YT 500 Club Member Join Date: Feb 2007 Location: Metro St. Louis Posts: 2,809 Blog Entries: 1	Thoughts and prayers for you and your family, Amber. And rest assured you have nothing to be embarrassed about. Unless you were born with the deepest of pockets, there isn't anyone who hasn't had serious money woes at some point. The only thing worse than those are health problems and it sounds like your family has had its share of those as well. Sounds like you are trying to get yourself back on track. Here's hoping for your success! __________________ Nicole RIP my sweet boy, Ozzie 1997-2011 http://thisdmnhouse.blogspot.com/

06-11-2007, 05:34 AM	#41
omega Donating Member Join Date: Mar 2006 Location: MN Posts: 7,575	Amber, I sure hope this goes through for you. When I think of how much time and energy you spent on the GE for Brea when you were having so much trouble.... it makes everything you sent even more special. You have a big heart and I hope that things turn around quickly for you.

06-11-2007, 08:36 AM	#42
Pipersmommy Donating YT 1000 Club Member Join Date: Jul 2006 Location: SW Fl Posts: 1,808	Sending you the prayers you asked for. Haven't been on quite as much. I had to get a job since Hubby's company he works for is having problems. He was due a raise, & never got it. Now they are only working him 4 days a week. Hopefully it won't last long. I'm working all the hours I can. I'm just glad I don't have little children at home, so I can. Hope all goes well for you, & I'll keep you in my prayers daily. Love, Debbie __________________ Debbie (mommy to) Misha, Piper & Maximillion

06-11-2007, 09:24 AM	#43
CO_yorkie_momma My Angels Donating Member Join Date: Oct 2006 Location: Colorful Colorado Posts: 2,260	Amber, I am sorry to hear about your situation. Believe me, I know how hard it is to get behind and have to try and recover from that especially if you are like me and live from paycheck to paycheck. I am sure you will find the loan for you. Alot of banks lend to people with not so great credit. You may have to pay a higher interest rate but you can do that until you credit bounces back up and then refinance again. Sometimes you just got to do what you have to do for that moment. You should feel very lucky that you dont have a mountain of debt and alot of credit cards racked up to add to your worries. There are alot of people in your situation that thought they were getting a great deal with the ARM loans and now are in your position after the initial low interest rate goes up. The banks dont care either, because that is how they make their fortune. They hope you default so they can reposses your house and resell it for alot more than the loan is. Dont lose sleep, I am sure you will get the loan that you are needing. Prayers and good thoughts going out to you. Keep your head up and it will be better in no time.

06-11-2007, 09:43 AM	#44
lisatodd Little Boogers Donating Member Join Date: Feb 2006 Location: virginia beach, va Posts: 4,460	ohhhh, how aweful. i will pray everything works out for you. i know the hardship and trying to get out of it. i was there too once __________________ lisa lisa and the cult jam yorkies

06-11-2007, 09:55 AM	#45
Yorkieluv Donating YT 3000 Club Member Join Date: Feb 2005 Location: USA Posts: 7,178	Amber, prayers going out for you right now!! I'm so sorry to hear about this, and don't be embarrassed...Things like this happen to everyone, and if we don't know about it, we can't pray about it. Take care and try not to worry. I know it's easier said than done. But seriously, make yourself BELIEVE that the refinance WILL go through...Praying for you!! __________________ Miko 's his Mommy