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Condo Tags
I know God will get me through this....
Posted by smileybegs on 2012-05-16 21:58:37
*our monthly condo maintanence fee of $258.00 for the past 3 months.
*I have a $160.00 car insurance payment due on 6-10-12, this will keep my paid until 10-10-12.
*The divorce attorney is asking for a $2500.00 retainer.
*June health insurance of $555.00.
*The numerous unpaid medical expenses.
I make it happen with the rest of the things my boys and I need. In July of 2012 I will recieve Medicare, since I will then have been on disability for 2 years. I think that will make things somewhat easier on me. As a note, lymphoma is not being treated right now. Thank goodness the nodules have remained stable, though if there is any change I will probably have to start some sort of treatment.
Any kind of help would be greatly appreciated. Since almost dying in 2010, I have a renewed faith in God (though I have always been a believer). I know that God walks beside me and my children and the He watches over us. Prayers to all that are on this site, whether asking for help or giving it.
Family of Five
Posted by jhawn on 2012-04-09 21:58:44
Please help me save my condo for my 2 year old
Posted by BPBWDJ888 on 2012-03-31 02:58:02
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:47
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:45
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:44
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:43
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:42
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:41
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:40
Worried Mommy in Foreclosure w/ 2 yr old baby!
Posted by Worried-Mommy on 2012-03-28 19:58:38
My family and I are being Evicted on 3/18/2012 Please Help!!
Posted by crystalmarie on 2012-03-16 12:58:54
Steven: An Aspiring Disabled, Student, Veteran, and Divorcee
Posted by youngidealist on 2012-03-05 01:58:00
Thanks for taking the time to read my request. I'm 30 years old, still in college and living with my parents. I've made a lot of great accomplishments in my life with far less support than most people who make it this far. Of course, with that said I've also made plenty of mistakes.
I grew up with a single parent, and another parent who visited annually just to stir up emotions and make my life miserable. When I was 18, I decided to work really hard to lose weight so that I could join the US Air Force. I had a strict plan that I was going to follow to succeed in life.
Unfortunately my superiors in the USAF would not accommodate that plan to independence as they forced me to find my own way from the barracks to work (a 40 mi drive), so I had to immediately struggle to get my drivers licence and I had to buy a car on an Airman's paygrade.
My income wasn't enough to afford the car and gas and other living needs that I was expected to pay, so eventually I had to leave the Air Force before my term was up (under honorable conditions). I tried to work as a civilian. The transfer was tough and I was vastly uninformed about what to do and what my options were. I'm the first first generation college student of my extended family.
After some petty jobs that would each take more than 10 years to be able to earn enough to live independently, I finally found a nice nighttime custodian job that was at least simple enough for that kind of pay. I was the night time custodian, but I was also a guy to have on call at this retirement home where I worked. If people's toilets flooded or a nearly deaf resident left their tv on past quiet hours (once I could hear one through 3 floors!) I was the guy to send up to fix it.
Having my first satisfying job as a civilian, I was able to investigate community college during the day, so eventually I enrolled and tried taking a few classes while working full-time. College was my saving grace. I never felt like I belonged anywhere until I first started to take college courses in math, science, and philosophy. I found the tutoring lounge on campus, made a lot of friends there, and I spent many hours cramming and helping those in need.
This soon led to me finding financial aid, making arrangements with my parents (my mom and my stepfather) to let me go to school full-time while I lived with them, and putting in my 2 weeks notice at work to focus exclusively on school.
My counselors advised that I pick where I want to transfer to and then figure out the details of how to get there after I got accepted. I think this was bad advice. While I ended up choosing to transfer to a university that had my desired major, Biophysics, it was 60 miles away from where my parents lived. My car that I had bought when I was in the Air Force also eventually broke down from not being able to afford maintenance while I worked, and was towed away for being in the public street for too long.
Finally, I got accepted to UC San Diego to work towards a degree in Physics with a specialty in Biophysics. When it came time to transfer, I got as involved as I could on how and when I was supposed to receive the financial aid so that I could go get an apartment and everything, and my school kept telling me, "you should get it tomorrow" until about 2 weeks into my first quarter when I finally got the support.
Despite this rocky start, I managed to get into a good shape for myself, making my way slowly but surely through school. Learning a great deal. Eventually when I felt the struggle was too difficult, I changed my major to Neuroscience before I began my upper division coursework.
So, as I settled into my schooling and struggled with maintaining financial independence on financial aid, I managed to get myself into maintaining a great aquarium hobby, owned two great little kittens from a street cat program, led as president of a student organization for one year, and eventually I got married. I also carefully learned about the stock market and managed to make some great gains with money that I had invested from financial aid savings.
In 2010, my gains were over 100%. That amounted to $2000 doubling itself, but still, that says a lot about me as a trader. However, 6 months into my marriage, she said she wanted out, grabbed the car that we both paid into (most of the money was mine from stocks; $5500 worth), and refused to pay her share of 2 months rent. That happened in December of the year of 2010.
2011 was a difficult year for me. I fought hard to maintain things, especially my head, but it was tough. I lost 45 lbs from exercising regularly, made lots of new friends, and I got some volunteer work experience in a Neuroscience lab. But I just couldn't focus well enough to maintain my finances and my grades, so I had to drop out and live back with my parents.
Despite how tough it's been, not finding work, struggling with the ins and outs of the VA, and just needing a professional therapist to talk to and help me keep my head straight but never being able to get one, I've managed to recuperate well enough and learn a lot more about this bottom floor of society that I've been so desperately trying to escape my whole life.
I've gone looking for opportunity in every direction. I've tried changing my career goals, collecting recyclables, writing online, trying any online scheme that didn't include me forking out money to get it, imagining what I could write as a novel, tried to make money through playing video games, making goal after goal after goal for myself, but still just not being able to get just the right amount of money to put me back on my feet.
I'll be going back to school in April at the risk of having to do it as a homeless person if the VA doesn't pull through for me. They recently approved my 10% service connected disability status and now I need to jump over a few more hurdles to get my more significant service connected disabilities recognized. I'm also seeing what the vocational rehab people can do for me despite the bureaucratic issues that are stopping them from helping me all the way.
BTW, this whole time that I've gone through life with common lower class difficulties, I've been disabled with a number of small conditions that all add up to a hard time. I have lower back issues that the military has yet to own up to. Community college found also that I have a learning disability which makes some intellectual tasks show up as lower than average ability for me while the rest of my intellect is high enough to expect that I could easily get a Masters Degree or a PhD. My biggest difficulty in school is that they don't give me enough time to show them what I know or what I'm capable of.
From working with special needs students as a tutor, I have proven to myself that there is a major problem in the education system. Most teachers never simplify the material into a clear picture of what they want to teach. If you want someone to learn something, the last thing you should be fuzzy on is what it is exactly that you want them to learn. We can't all work like intuitive Jedi or sophisticated parrots.
If you help me out, here is a list of the priorities of what your money will go towards, in order of their priority If you would like to request that I spend your donation on a specific cause, please let me know:
1. A working cheap economic vehicle.
I need something that I can sleep in and that will take me wherever I need to go. Preferably something that can stow quite a few recyclables as well to pay for gas, but not an SUV or truck or van (Unless that's all that is cheap of course. Not likely but you never know.).
I'll aim for great gas mileage, but I'm thinking that I should attend some police car auctions to see what the cheapest deal I can find is. This car would make a great shelter for me while I return to my far away school.
2. Investing on the stock market.
Trust me, I know how to fish. If you want to send me a request for proof I'd be glad to compose some evidence of my finest moments as well as my worst to show you that I can do well for myself on the stock market, even during the recession. What I could really use right now, is a little bait. Trading is good money for me, but to make enough to make gains worth more than the commission cost (about $10), you need about $300-1000 per investment. $300 is more for the high risk lottery plays on the market. I even made a blog about it if you would like to see:
http://www.squidoo.com/TheYoungidealistEconomyBlog
If you are willing, we can arrange something personal so that you wont need to worry about me putting the money you offer at high risk and blow it all. Might even be able to arrange something where I could make money for you to prove myself before accepting your donation. Whatever the case, I know we'd have to make it a personal arrangement to satisfy the current laws.
3. Working towards paying my debts to my friends.
My friends have been really supportive through these hard times, though they are starving students themselves. To keep up my morale they've bought me food, given me a place to crash when they could, and even paid to have me join them at fun local events. I have some money that I've promised them back, and I plan on making due on those promises as soon as possible.
4. Paying off my debts with companies.
I've had times where I couldn't afford to pay for rent and had to leave, like when my wife left me to live with her parents. These issues follow me on my credit score and I would like to work towards removing them so that I can turn my life around.
5. Getting a good start towards paying off my student loans.
I know I won't be able to pay them off before I find a good career with my degree. I would just like to have something to start making some automatic payments with and put that part of my bad credit score behind me as well.
6. Buying a home.
My mom never owned a home. No offense meant to land lords out there, but I really think the rental system is way out of line. My mom was always a hard worker. Way better than me, yet she could never own a home because she didn't have the money. Meanwhile, people with money could live in great big houses for less than she even had to pay.
I want a house to own. Probably start with a condo and seek ways to improve it and flip a profit out of it. Then I want to keep building up money from housing until I can manage to build an apartment building.
If I could, I'd like to make an apartment building near a university that offers cheap housing using the Japanese capsule model or something even more economic and more comfortable.
7. Making an online tutoring site meant to offer free tutoring and tutoring for tips. Imagine a site (I have yet to know of one) where people can collect their resources on a class, much like they collect info on ratemyprofessor.com, but also seek help from others who are taking the class or who have taken the class. Donors like you can offer money to tutors who post their notes and stories on the site, alongside ratings from other students that they helped.
Some tutors can offer their rates for help, sell their notes online for cheap, or just offer their help whenever they can and ask to be tipped through paypal if someone likes their work. My hope is that such a site could help to put an end to sophistry in the college system once and for all, making education easy and affordable for everyone.
8. After I have everything I'm hoping for above, the sky is the limit. But I would prefer to put the extra money that I don't need to good uses. I would spread a little philanthropy around, give to others in need on this site and through other resources.
I'd also look to teach others how to fish. I think a great way for the economy to be fixed would be if philanthropists made some really good employee owned companies. Make the place pay for itself, skim a little off the top, and walk away knowing that you really were a job creator.
I think that everyone who is capable of work and who chooses to work deserves to have their own independent living situation. I know that we are a long way from that, but I tend to be an optimist. I would like to try and make the world a better place, if nothing else.
Aside form financial help, I'm interested in anything else that I could get that's useful. Advice, Neuroscience Career connections, work, hobby or volunteer work that can easily become lucrative, I'm really all ears. Thanks again for taking the time to read my request. I hope you find it in you to help me out, even get to know me if you'd like. Bet you $5000 I can make you laugh. Did I win? >;) it was worth a try anyway.
Young, disabled, alone and in need. Soon to be homeless.
Posted by smile4kar on 2011-12-30 15:58:36
I became disabled just 2 1/2 years ago. Up until that time, I was a full time teacher in the public schools. I can no longer work full time. Right after becoming disabled and loosing my full time job, I fell behind on my mortgage.
Desperate to save my home, I hired a law firm who promised to get me a home loan modification. Well, a year and 10 months after that, nothing had happened. So, I hired another lawyer in Feb 2011. I just found out last week that he only contacted my bank TWICE in the past 11 moonths. Now my bank says I'm no longer eligible for a home loan modification and that forclosure proceedings would continue.
I have no family and very few social connections because of my disability. Because of the scamming law firms, I have no savings to even put a security deposit on a rental.
My dream, wish, hope is that someone will pay off my bank and let me pay you with interest!
If that never happens, I will soon be in desperate need of help in relocating. I am unable to pack and move myself and know no one who will help. I also need to put a security deposit on a rental
Even after moving, the trouble has just begun. The bank was supposed to modify my payments to be between $400 and $500 a month for my 1000 square foot condo. A rental with comparable space and a place for my pup to poddy starts at $800 a month. Over 50% of my income!
I'm definitely embarrassed to even need to ask for help. I have no other options at this point. Any help at all would be GREATLY appreciated!
Disabled over 3 years seeking help with housing and transportation
Posted by CyberNeedy on 2011-12-27 01:58:03
After 3 years of back and forth with Social Security, I finally was approved for federal disability. Thankfully, I can move forward with testing and treatments to figure out what is causing the multiple symptoms disabling me. My sole desire is to get well enough to return to work in at least some capacity. Now I have some savings from back disability owed but not quite enough to finally purchase my own home. I am looking to purchase a modest home that is manageable for me in my condition. One that is safe and secure for me and my toy poodle who deserves something nice. Although I have enough for a decent down payment, my credit has suffered due to my inability to work. My medical bills went straight to my credit report as being unpaid while I waited for SSDI approval and Medicare approval. My credit score is below 600 and I cannot get a loan. I have $20,000 I can put toward my very first home ever. My goal is to get my $20,000 matched in order for me to purchase a small home/condo for approximately $40,000. My income is $955/mo and I still need to find suitable transportation also. My last vehicle was basically stolen by a predatory towing service and I was incapacitated at the time due to my disability and later was unable to afford retrieving the vehicle because of outrageous storage fees. Currently family members are taking me everywhere which can sometimes be more difficult than helpful. I A modest reliable vehicle is what I need. My individual goal is to become self sufficient and self reliant once again...get healthy and go back to work. Any help with the above items would be much appreciated. If I were in a better position I believe I too would be searching to help those in similar situations as mine.
I need help now
Posted by tracyinneed on 2011-12-07 22:58:30
I have screwed up in my life.
Posted by tracyinneed on 2011-12-07 22:58:28
Monies to Relocate
Posted by southwardound on 2011-11-27 10:58:32
I am drowning up here in Ohio...single, in my 50's...making horrible wages, despite being a college grad. I have a job waiting for me in Atlanta...I just can't get my house sold. Anyone interested and buying this home/condo...nice place but I cannot make the money I need to support myself. Selling is better than foreclosure.
Will someone help me...?
thank you.
Need to catch up on a couple bills
Posted by billstopay on 2011-10-24 18:58:28
About Me/My Situation:
Started a small computer service business in 2006 after being laid off from my regular job after 6 years. Managed to stay afloat until mid summer 2010 when I lost the contracts that provided 90% or more of my business and I had no money to go out on my own and obtain new contracts or more new customers. I was owed some money for work performed ( about $7,000) I will not be seeing any of that money.
After a while I started selling my possessions and items that my family had given me to sell, mostly accumulated junk like computer parts, beer steins that I had collected and other things at a weekly flea market, I cut down all my bills as much as I could. I looked for jobs for months. I borrow way too much money from my family as they could not really afford to lend it to me but they did. My parents and my brother also loaned me their cars when after i had to turn in my company owned vehicle leaving me without a mode of transportation. After a couple months of borrow cars I used whatever money I had managed to save and some money from an insurance claim to pick up a 15 year old vehicle for myself.
In November 2010 I obtained a full time tech job and a part time counter help job at the local movie theater. Even with two jobs I was still making much less that I use to and much less than I needed to pay my bills.
Finally I ended up filing for bankruptcy, "unofficially" close my business (turn in business vehicle leaving me without a vehicle) and recently just had most of my debts discharged, BUT I still need to catch up on a couple thing that the bankruptcy would not cover.
What I need:
1. Need to catch up on my condo fees --- about $1,000
2. My property taxes are about 2 years behind ---- $1,800
3. My heat, hot water and electric bills are past due --- $500
4. I need to officially close my business with the state which includes filing my annual report for the last two years ---- $1,000
Total I am need of is $4,300 I don't expect to receive all of this if any, but it did give me a chance to sort of vent while I typed this out.
Thank you to all who read this and thank you in advance to all who may donate.
Once I get caught up on these few items I should be good to go and would be able to stay caught up.
Help Us Get a New Start - Save Our Home Please
Posted by ucanchangemylife on 2011-09-24 15:58:52
Over the last three years, my wife and I have been working as hard as we can to change our lives for the better. We both have jobs and we are hard working people. Many years ago, we made some bad financial choices and have been paying for it ever since. This year promised to turn things around for us. I began a business on the side of work, putting in many hours outside of my job. Hope was bright. But when I lost my job and was out of work for 2 months, things took a change for the worse. During this time we were also hit with a very large and unexpected "special assement" from our condo board, and my business also failed. The debt piled up quickly and we are now in jeopardy of losing our home.
Our vehicle has already been reposesed and we are struggling to get to our jobs as they are located at a long distance from where we live. Life has gotten very heavy and we could use a glimmer of hope. We have been trying so hard...
When I found this website, I can assure you it was out of desperation. It costs me some pride to be here writing this but the anonymity of it is comforting. Realize something please: I could be a relative of yours, a friend, brother, sister, son or daughter who is too ashamed to ask for your help. And even though we are most likely perfect strangers, we are connected by something higher.
Please, find it in your heart to trust and give us a chance to recover. One dollar from you could mean a lifetime of difference to us. And be assured, what you give will come back to you three fold.
God bless you for your kind heart. And from the bottom of ours, Thank You...
Help Us Get a New Start - Save Our Home Please
Posted by ucanchangemylife on 2011-09-24 15:58:43
Over the last three years, my wife and I have been working as hard as we can to change our lives for the better. We both have jobs and we are hard working people. Many years ago, we made some bad financial choices and have been paying for it ever since. This year promised to turn things around for us. I began a business on the side of work, putting in many hours outside of my job. Hope was bright. But when I lost my job and was out of work for 2 months, things took a change for the worse. During this time we were also hit with a very large and unexpected "special assement" from our condo board, and my business also failed. The debt piled up quickly and we are now in jeopardy of losing our home.
Our vehicle has already been reposesed and we are struggling to get to our jobs as they are located at a long distance from where we live. Life has gotten very heavy and we could use a glimmer of hope. We have been trying so hard...
When I found this website, I can assure you it was out of desperation. It costs me some pride to be here writing this but the anonymity of it is comforting. Realize something please: I could be a relative of yours, a friend, brother, sister, son or daughter who is too ashamed to ask for your help. And even though we are most likely perfect strangers, we are connected by something higher.
Please, find it in your heart to trust and give us a chance to recover. One dollar from you could mean a lifetime of difference to us. And be assured, what you give will come back to you three fold.
God bless you for your kind heart. And from the bottom of ours, Thank You...
Lost job, husband sick, bills piling up. Not sure where else to go.
Posted by si37 on 2011-05-30 19:58:05
My husband and I have been married for four years and we recently bought our first house together. (Well, condo actually because we can't afford a house.)
My husband suffers from severe depression and anxiety. While it can fluctuate, currently he's on a downward spiral. This is the worst I've seen him in the 8 years I've known him. It's been absolutely heartbreaking to see him like this. We have him seeing a psychiatrist and a therapist - the psychiatrist keeps prescribing medications that our prescription drug plan doesn't cover (mostly because he's tried entirely too many things) and are expensive. He's seeing a therapist once a week that we're paying for out of pocket as well. We started him in an anger management class but we can no longer afford it. For the past 3 months or so, it's been very difficult just to get through day-to-day activities for him, and it's taking it's toll on me as well.
Anyway, when we moved we used most of our 'extra' money for all the unexpected costs associated with buying a new home. (Silly first-time homebuyers. We had no idea what to expect.) So we were stretched pretty thin to begin with. Now, after being here a few months we find that our car insurance will be increasing by 50%. (Apparently we should have stayed in the city - we thought moving away from it would be better!) Not only that but we will have to pay the difference on our policy for the few months retroactive to the tune of $900 each month for June and July. Unfortunately since our little nest egg was used in all the 'new home' expenses, we just don't have anything extra to cover this. We tried to cancel the car insurance to just take the bus for awhile, but since our car is financed they won't let us do that.
Then... I lost my job on May 27th. We were given less than 24 hours notice that the company was closing. I was working at an at-home position, which was so perfect for me as I too suffer from depression, anxiety, panic attacks, and migraines, so working from home was always a blessing. I'm unable to apply for unemployment as my job was self-contracted (basically paid under the table and I was to file tax documents at the end of the year).
To add insult to injury, my company has not yet paid us for the PREVIOUS paycheck owed, nevertheless our final paychecks.
My mortgage is due, my condo fees are due, my student loans are due, of course there is the car payment and insurance due, the groceries are running low. My husband has stopped taking his medication, stopped going to anger management classes, and we've cut his therapist down to once every other week. We've already cut unnecessariy things like cable, tried adjusting our budget, etc but we just can't make it through these next two months, especially if I don't get paid or I don't find a job right away.
I'm desperately seeking a new job, but in the meantime our bills are piling up and we just can't pay them since I haven't been paid in a month. I don't know what to do. I know things will get better. They have to. But right now I'm having a hard time convincing myself of anything otherwise... We just need to get back on our feet.
Don't need much - but everything hit at once
Posted by moontunes on 2011-05-28 12:58:29
help with stub-standard living conditions
Posted by jacy867 on 2011-05-13 20:58:57
1/2 of my flooring is ripped up due to mold. I can't replace it, so cracked concrete is what I have to walk on. The rest of the carpet is disgusting from what the prior owners did to it.
I cannot move, as my mortgage is really low.
It costs 10K to renovate one of these 30+ year old units (condo) (800 sq. feet) not including things like the A/C (also needs replacing) and the stove.
In the 6 years I have lived here I have managed to save enough to replace the water heater when it rusted out, and the disposal for the same reason.
Otherwise, if this were a rental unit and I had a landlord, he'd be a 'slum lord' as these are not proper living conditions for me and my precious dog.
Second Chance
Posted by jmaclean4 on 2011-03-13 19:58:50
