Modification Tags

good Morning
I jsut can't get refiniace or get modification because of this bank just want! I througt we are suppose to be protect from bad lener like this BUT NOT!
I have been asking for help from this predatory lender Rochester Home Equity which no one heard of this company. I have filed a complaint against RHE with Department of Financial Services and the reply was I can not get any help from them because my case is in court yes I know that it's been in court for 2 Years and i am not getting anywhere, I know that Jay Gelb the owner of Rochester Home equity is a millionaire, I just can't bet this lender and it's not fair that Mr. Gelb is going to take my houses and won't do a modification, and it's so sad that Mr. Gelb from Rochester Home Equity taking advance of low income people, I just want to know how many other victims is out there and couldn't get any help from anyone to help them before it was to late and everything they work for is GONE. My problem is I am being counsel by my lawyer but again it's has been a on gowning problem with Rochester Home Equity, all we been asking is for Rochester Home equity to TAKE my mother house off the lien that didn't have any mortgage on the 48 Homewood Ave my mother left me and my brother and do modification my house on 43 Twiller St. Rochester Home Equity is just giving us a hard time. As of right now I am debt with my lawyer for $10,000.00 that money I don't have because going to court and trying to do modification and we are not getting anywhere with this lender. I am so tried that Rochester Home Equity want reply to any thing that my lawyer is asking. I just want RHE this predatory lender just take my mother home that she left me and my brother off the lien that didn't have any mortgage on the home and work with my home that is worth $136,000.00 I brought the house I live in for $130,000.00 and my rate is 12.5 percent don't you think that a very HIGH rate. Yes I am bennig counsel by a lawyer as i stated my lawyer is not getting anywhere with this Rochester Home Equity. All I am asking you for help and step in because what RHE is doing is wrong and like I stated NO one cares what happen to me and other people that the lender is doing to us and hurting people too. Now I will be going into Chapter 13 because I don't want to lose my homes, and RHE this Predatory Lender just don't care ONLY wants both houses. So can you PLEASE step into this matter! It's a big problem as you see what have happen to me. Me and my lawyer just want Rochester Home Equity is take my mother home off the lien and work with the new modification and redo my loan, but that's not going to happen so that is why I am pleading with you ASAP to save my houses. Again Please take a close look at me statement again.
I am also going to email you all the my document to you. And hope you can find out that i have been taking advance of all i am asking if you can take your time and read what i am sending you, and again i am just asking for this lender to take my mother house off the lien and let me do modifcation as i been trying to do. I have got sick with CHF i ask the lender that i am not making money because of my health can they do a modification on my home and again the answer was NO.Please look into my case PLEASE.

Thank you
T

I work hard to be a self-sufficient single mother. When I lost my job through no fault of my own, I contacted my Mortgage Company and asked them to work with me. They said they would give me a forebearance agreement but after submitting all the requested documents they didn't follow through. In August 2011 they did the robo-signing of my loan that resulted in my house being put into foreclosure. Fortunately at that time they didn't give me a sale date. I was told that since I was getting unemployment I was eligible for a unemployment bridge loan modification program. Again I submitted all the requested documents but my mortgage company once again dragged the process out from Aug. 2011 up until my unemployment benefits ran out on April 7, 2012, I received a notice on April 14, 2012. I received a notice saying that my house is set to be sold on May 29, 2012. I'm in a desperate situation. Both my parents are deceased, my son is an straight A student that will have to go move to another state and stay with his father if I lose our home. The timing for the sale is very bad because I have two job interviews coming up April 30th. I need $20,000 to pay the bank's attorney fees and a years worth of arrearages. If 1,000 kind people could find it in their hearts to each donate $20 my son and I can remain together and continue to enjoy our life in our Old Kentucky Home which was built in 1892.

In February 2011 I lost my job through no fault of my own. I've looked for work, I got some interviews but no job offers. I even applied for jobs far below my skill set without any luck. I had contacted the bank early on and was told they had a loan modification program for the unemployed. I submitted all the documents requested of me but the process dragged on and every 60 - 90 days they would ask for a new Harship Letter, Financial Statements, etc. March 25 I was contacted by phone and told that updated documents were needed for the last time and that they were going to try to get me qualified for the Affordable Home Program, however, I received a notice on April 4, 2012 telling my house is scheduled to be sold May 29, 2012. I need $19,000 to save my home and keep me and my son off the street. It comes at a really bad time because I'm scheduled to test for my licensure as an LCDC on April 27 and have had 2 employers express interest in interviewing if I pass my test. I'm desperate and don't know where else to turn. I've put always every dime I made into improving my house and I become physically ill when I think of someone being able to acquire my beloved home and benefit from all my hard work and sacrifice. The bank actually put mu house in foreclosure August 2011 but only recently gave it a sale date. Please help if you can find it in your heart. God Bless You.

Firstly, let me say that I know no matter the outcome of my current situation, I will be ok and will have learned alot. I am a 63 year old single female currently seeking any employment. I have exhausted my savings since being unemployed for 5 months and am working with my bank to get a modification to my mortgage. I have a small income from social security and food stamps. Any help you can give will be greatly appreciated. Peace.

It was 1994 & I met & fell in love with my soul-mate. Unfortunately, I was a young dumb 22yr old who wouldn't keep a job. She dumped me. Fast forward 17yrs & thanks to facebook we are back together. All my dreams have come true. But things are not as great for her. She lost her house of 11yrs during a load modification & had to file bankrupcy. She refuses to rent because she as 3 Great Danes that she loves to much. They are wonderful dogs. She now has bad credit & I have NO credit. But We do have $10,000 saved for a house, but every time we go on williamsauction.com we are always out bidded by $2000-$8000. I can't let her down again (or her dogs). We love each other to much. Please help us & the dogs buy a house. Thank you!!!

Hi to all! I have never had to do anything like this. In fact I have always been the one to help others. I was in the medical profession until medical issues and the down turn in the economy forced the loss of my job. I have been doing everything I can to keep my home afloat for my daughter and I but I fear my end is near unless I can get some help. I need about $50,000.00 to keep my home so if anyone out there can help me save my home I will do everything I can to help others save theirs. I am now working fulltime but the mortgage company wants back money to do some of the modification on my loan which I dont have. All my savings are gone and I have no family to ask for help. My daughter is a sweet little three year old who doesnt deserve this happening to her at such a young age. Please give us a chance. I love you for helping us. All the best!

Hello!

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!

2011 has been a horrible year for me. Like so many other families I had lost my job, went into foreclosure, and can't afford utilities($250), food, gas, truck payment, etc.. I turn in applications several times a week for employment and regularly visit the unemployment center for help. I have placed very high on several tests for local employment but it seems like they only take the top 3 for interviews (I have come in at 4th &5th on the lists). I have been trying to get a loan modification since April but my mortgage bank has lost my paperwork so many times. I have kept in contact with them and keep all receipts of faxes but it does not matter. I get so many phone calls every day about bills, I pray that my vehicle does not get taken. I decided to go back to school but I already owe so much with student loans ($25,000), it was a hard decision. My son has been very good through this hardship but he needs simple things like shoes that I cannot afford right now. I have so many things to be thankful for and try my best to stay positive through all this stuff. Please help if you can, anything helps. Thanks

Thank you for reading this. I lost my job a few months back and haven't been able to find a new one. Me, my wife and my 10 year old daughter have been trying to get by on my wife's wages alone. We have fallen three months behind on our mortgage payments. Our mortgage company is working on a loan modification for us but first we need to pay a month and a half worth of mortgage payments. I feel terrible resorting to this but we're so close and I'm desperate to keep my family in our home. Any small amount would help and bring us closer to a loan modification that would be a long term solution.

I am a handyman/ home improvement specialist who has not been able to find paying work for over 3 years thanks to the deplorable real estate market caused by the greedy banks who screwed this country. I went from earning a good living at about 50K per year and reduced down to washing dishes in a Chinese restaurant for $100.00 a week just to pay for keeping food on the table. My wife is now about to lose her home and we have not able to find work with NO unemployment or other benefits coming in. She was able to be approved for a load modification to a payment that she can afford but needs to come up with $3,500.00 to pay the bank. I accidentally found Begslist and am posting here hoping to find goodhearted people who would be willing to help.

Like many others who are suffering during this current economic crisis, I am a hard-working, independent individual who has worked for 40 years in corporate America. I lost my job in September 2010 and have not been able to find another. As a result of being unemployed, I have fallen several months behind in my mortgage payments, this after spending every dime of a very small severance package. I have not been able to qualify for any of the government's refinance or modification programs, and I am just SO tired. I am also caring for my disabled daughter who suffers from schizophrenia and bipolar disorder. If you can find it in your heart to donate $1, $5, $10, or whatever amount you can afford, I will be most appreciative. I am a firm believer that you reap what you sow. If you sow a seed in the life of an individual who is in need, I pray that it will be returned to you 20, 40, 60, 100 times over!

Hi everyone. I am a 35 year-old single mother of a 14-month-old baby girl and she is the light of my life. When I found out I was pregnant my boyfriend left me and has been in hiding ever since. Child support has not happened yet, as they are STILL trying to verify his wages. They say he is collecting unemployment now.

I work, doing a couple of different freelance jobs, but lately work has been very slow. I couldn't pay rent October first and am being evicted. My landlord is being very strict, and trying to make an example out of me because they are trying to get a modification for the loan on the building to keep it out of foreclosure. My car is $260 away from being completely paid off and the collectors call every day.

I start a new, steady job on Nov. 1 but until I start getting paid I'm barely scraping by. I get $300 a month in food stamps temporarily but no cash aid because they say my $500 a month in unemployment benefits disqualifies me. How they figure that much is enough for a mother and child in Los Angeles is beyond me. I have no one to borrow money from, and no where to go when they force me to leave. All of my family is on the east coast and they are all broke too. I'm not even a month past due with my rent, and if I have the money by the time I go to court (whenever that is) the judge will probably let me pay it and keep the eviction off my record.

So I owe them $1495. If I could pay it, I would be able to put in my 30 days' notice and actually get my security deposit back after I leave.

Maybe you have this extra money to help someone in need, or maybe you have an apartment you could rent out to us when we do leave. I would feel very depressed and unsafe living in Section 8 housing.

I'm trying so hard. If you can help at all it would be an answer to my prayers. You can meet us and see that our situation is true if you would like also. And maybe I can pay you back and/or offer services like babysitting, tutoring, balloon twisting, face painting, etc. We can talk more on the phone.

Thank you for at least reading this and sending positive thoughts my way...

I don,t expect anything to come of this, but I was deployed to iraq in 09-10, got divorce after wife spent EVERY penny i recieved from my deployment. My mortgage was protected for a year after i got back (SCRA), but that time has run out. I currently am behind $7000 on my mortgage, have tried every loan modification, but i dont "qualify". I have been on unemployment since i got back from iraq, i did save $3000, which i was holding in case i had to file chapt 13 bankruptcy if they started forclosure, but i just had to take my truck in for a transmission rebuild, so there goes that. I am planning to volunteer to go to afghanistan this june, just for the money, but i think the bank will be able to take my house before then. I CAN make my normal monthley payment($500) but i just cant come up with the $7000 im behind. If someone is willing, I can give you the account number of my mortgage loan, and any other info you need, so I won't be directly getting any money. Thank You for your time. and sorry i let things get this bad.

I'm another victim of the housing bust. I purchased my house in 2006 for 600K. Its now valued at around 250K and I'm soon facing an adjusting mortgage rate.

What is worse, the house quickly started revealing a ton of hidden problems soon after the purchase was complete. (yes we did an inspection). On top of that, the guy who sold me this house, immediately squeezed in another house on what was the empty lot next to mine. The new house is less than 3 feet away from mine and I can literally reach out the window and touch it if I lean. This guy really took advantage of me and then used my money to build another house! This also cut off all my views and light.

I was naive and listened to a lot of bad advice when making this purchase, but at the time that price for the house I got in California was a great deal. A steal! And then the housing bust. Now I'm left deeply underwater and with a house that needs a lot of repairs.

I can't qualify for a loan modification because I'm current on my payments. I can't refinance because of the loan to value ratio being so bad. I don't want to walk away from my home and cause another foreclosure to damage the values of even more homes in my neighborhood. Its a tough situation, and all I want to do is gain enough extra money to pay down some of my principal so that I start digging myself out of this horrible hole.

I realize that a lot of people have a lot of deeper problems, but I figure it can't hurt to ask. Once I am back on my financial feet I WILL pay it forward and find others to help. I actually already try to help people learn how to make money online and I also give to disaster relief whenever I can.

Please contribute to my cause. I'm just another American citizen trying to do the right thing for myself and my community. I have cut back on life's ammenities, I don't go on vacation, I work as much and as hard as I can to make extra money, but I just need a little more help.
Thank you!

There is no easy way to tell this story. I know that this letter is long and I wish it were a simple matter, but it is not. 3 days after my husband and I lost our home to foreclosure, I lost my husband of almost 16 years to suicide.

Joe and I bought our home in 1999. We had rented it for 3 years since we had gotten married on June 1, 1996. We were a happy couple and in love and we created many memories there, happy Christmases, a lot of laughter and a growing togetherness that at the end, rendered Joe and I not just husband and wife, but best of friends. Joe was my best friend.

We both worked, but the layoffs began in 2007. For years, we struggled and worked hard to make ends meet. In 2009, we were working with our mortgage company on a loan modification program. Still, bankruptcy had to be filed in late 2009. But, in October, 2010, Joe was laid off again. For the next six months following the last lay off, we worked with the mortgage company in trying to find a buyer for our home to possibly rent it back to us. Ultimately, the mortgage company auctioned our home for $98,000. All of our equity was gone and we had no home. Both of us were out of work and Joe was receiving unemployment benefits.

During that time, I watched Joe change. He had always been an optimistic person. One of his favorite things to say was, 'it doesn't have to be this way'. He was the life of the party, he made everyone laugh, and he was a good person. Joe was a genuinely sincere, loving, sweet, hardworking man who cared about others.

Even strangers. Once, driving home from work, he heard a girl screaming from a deserted parking lot behind Safeway. He pulled over and got out of the car, as two men ran by him. He said he wanted to chase them, but did not because he felt he needed to check on the girl. She had been beaten. He stayed with her and comforted her until the police arrived. They thanked him for stopping. He said he told them, 'Of course. Anyone would'. They assured him that was not true. But, that was the way that Joe thought.

I watched Joe struggle more than I had ever seen someone do to take care of our home and of me. Sometimes he would still laugh, but those times began coming fewer and farther between. Sometimes, he would cry. He would sob in my arms. It tears my heart out now to think of it. I will never in this lifetime get over this or recover completely. Joe had been in my life for a total of 18 years, 16 married, almost (this last June 1, 2011 would have been our 16th wedding anniversary), he was a good man, and he was my friend. He was my life.

Joe and I lost our home. We packed our home of nearly 16 years into a storage building. (I have since lost that building and all of our belongings).

3 days after losing our home, Joe committed suicide. He jumped off of a bridge. Despite a hospital stay and efforts to save him, he ultimately died.

The buyers of our home have turned it over or flipped it already in this short time. I sometimes go by it and look at it. I see Joe tinkering in the garage or I look through the front window and picture us having dinner together. I see where our Christmas tree stood. I look at the front door and remember when we first walked through it, when we were engaged and looking for our first (and only) home. The very first thing that went into our home, before furniture or belongings, was a small statue with Jesus and a little plaque that read 'Bless Our Home'. Joe hung that in the hallway. I still cannot comprehend that this happened. Joe was always a positive, happy person. Our wedding song was 'You're The Best Thing That Ever Happened To Me.' by Gladys Knight. I can't listen to it now. I know you don't know Joe and he's a stranger to you, but he was my life.

I lost my husband and my home in a period of 3 days. Joe's unemployment checks have ceased and there is no income. I have applied for dozens upon dozens of jobs, everything from picking up trash at a park to a waitress to an errand runner. I have not been hired. I have few skills and he was always the major earner. He had years of experience in various outside sales. I am not a college graduate with few skills and what I have to offer is very limited. I cannot afford to go back to school. Social Security will not help because I am not old enough. Joe and I couldn't have children so often, public assistance cannot help. New creditors are coming after me, such as the homeowners association for the house we lost, his time in the hospital in their efforts to save him (due to circumstances, there was no medical insurance, however by law they were required to treat him), the ambulance and rescue team that pulled him from the water and the list and cost is too measurable to detail here. I do not know where else to turn. I am alone. So, I am turning to you.

Joe used to say, 'sometimes bad things happen to good people.' When he said that, I never imagined this. Can you please help? I am lost.

Thank you.

All My Best,

Christina

The bank is going to foreclose on the house I grew up in unless my parents can get the repairs done, get moved in, and start the home loan modification by the end of August.

My parents are going to lose everything they've worked for unless they can find the money to make repairs. Any amount is welcome. Thank you.

I am a single mom, and lost my job almost 2 years ago. I spoke to my lender about getting a HAMP loan modification last year. My lender just got back to me and said they don't participate in the HAMP program. My daughter and I have lived in our home for 15 years, and it is the only home she has ever known. My daughter's father paid for her to go to catholic school, and I put her in high school last year, and promised to pay her tuition before school starts this year. I know this probably sounds like a luxury problem to a lot of people, but having to tell your child that she will lose her home, her school, and I have no idea where we are going to live. She can live with her father, but I know she will be terrified as to where I will live. I have no family, and I know of no one that has any extra money that can help. I've been doing odd jobs just to keep the utilities on, and to buy food. Any pride I may have had left, is now gone. I'm asking for help from anyone, I know that the worst that can happen, is nothing. I'm just hoping there is someone out there that can help.

I am using this as a last ditch effort to avoid loosing our home. Due to many hardships, my wife's employment closed, then had a number of medical bills all at once. I understand this is a tough time for everyone. If there is anyone out there that has the means and the desire to help us, we would love to answer any questions you might have. At this point we need about $30,000 to keep our home. We would not be in this position if our attorney had re-affirmed our mortgage, but since he didn't, we can't qualify for a loan modification. Thank you in advance for any help anyone might provide.

For the past 4 years I have been attempting to keep my home of 20+ years.

I was a victim of the bad mortgages and eventually ended up filing Chapter 13 Bankruptcy to halt the sale of my home2 1/2 years ago. During this time the mortgage company has dragged out the loan modification. First it was approved, the cancelled, then redone. I have been paying the mortgage as well as the BK fee and during the last 6 months. I had to take out payday loans to maintain my payments. Now the payday loand have swallowed me. I wasn't able to make last month or this months BK payment. As of today I've sold everything that I have been able to sell. I need at least $2,800 to catch up my BK payments. I've already paid $20k to the BK courts over the past year and don't want to lose everything because of the mortgage company. At this point I was waiting for the BK trustree to approve the modification, but by being behind, my case is about to be dismissed and I will lose everything, the $20k I've already paid, my home, my car, evertyhing. If there is someone out there that could find it in there heart to assist me, it would be more than appreciated and I would be in debt to you for life. Thank you for considering my request and God bless.

I am a mother of a wonderful 6 year old boy that is semi-disabled because in my eyes and hart he is fine but he does get bullied and teased at school for the way he talks. I have been the sole provider other than my son's disability that doesn't cover the cost of his needs. My husband or his father (we were never married) lost his job at ATV Discounter when they went bankrupt and shut down June 13th 2009. My sons dad was recently diagnosed being Schizophrenic and has emotionally destroyed our home but I bought health insurance in March and the medicine he is taking is slowly bringing him back to us. We are needing help with our home loan and I don't make enough to catch up the amount we are behind but enough to barely get by okay if we weren't behind if that makes sense. I have already applied for a loan modification of every kind and I don't qualify. I also applied for disability for my son's dad in march but a decision will not be made till August and we will lose our home by then and it is not a guarantee they will accept the application. Please help me with what ever your hart can give and thank you.

I work very hard and I am holding on to hope, just help me hold on tighter.

I have a family of five, just as you might have. I really don't feel right about doing this but when your choices are extremely limited you believe in dreams and the kindness of others who are out there. Hopefully that will be you. I am a 55 year old Married man with a family of five to support. I was in the Auto business ( Parts 25+ years ) until the Mega dealership I worked for closed without any warning about 2 years ago. How could you even think that a giant like that could just close like you turn a light switch off. Well over the past few years and odd jobs I still don't have any thing steady, peace work here and there, and with the unemployment coming and some savings and the last of my 401 we have been able with the Grace of the Lord to somehow survive. Until Now... When things were better around 2005 we refinanced our home, with what I was told was a great option Mortgage. To make a long story shorter I would later find out that this Mortgage may very soon make us homeless. It has last month reset to a level that I can't pay and I have become very distraught and desperate, and plead for any kindness You might show us. Because I am still unemployed with only occasionally peace work I can't even qualify for a mortgage modification at this time. But with your's and the Lords help, I may be able to hold on a little longer and my Prayers for a Miracle will be answered.
Thank you for hearing me and may the Good Lord personally bless you however you can help us, be it a financial donation of any amount, or through your prayers. And remember the Good Lord shines his Grace and Kindness to those that help the ones who are going through hardship

I have a family of five, just as you might have. I really don't feel right about doing this but when your choices are extremely limited you believe in dreams and the kindness of others who are out there. Hopefully that will be you. I am a 55 year old Married man with a family of five to support. I was in the Auto business ( Parts 25+ years ) until the Mega dealership I worked for closed without any warning about 2 years ago. How could you even think that a giant like that could just close like you turn a light switch off. Well over the past few years and odd jobs I still don't have any thing steady, peace work here and there, and with the unemployment coming and some savings and the last of my 401 we have been able with the Grace of the Lord to somehow survive. Until Now... When things were better around 2005 we refinanced our home, with what I was told was a great option Mortgage. To make a long story shorter I would later find out that this Mortgage may very soon make us homeless. It has last month reset to a level that I can't pay and I have become very distraught and desperate, and plead for any kindness You might show us. Because I am still unemployed with only occasionally peace work I can't even qualify for a mortgage modification at this time. But with your's and the Lords help, I may be able to hold on a little longer and my Prayers for a Miracle will be answered.
Thank you for hearing me and may the Good Lord personally bless you however you can help us, be it a financial donation of any amount, or through your prayers. And remember the Good Lord shines his Grace and Kindness to those that help the ones who are going through hardship.

13 family members have found this home a safe secure place for their loved ones while getting back on their feet.No-one has been forgotten or left behind. OHANNA

I have worked all my life, in 1999 I started my own in
home daycare and ran a successful business working with
low income families that needed good child care and I would waive their co-pay since in most cases would be their last penny. In 2003 we bought a home in which the double car garage was re-modeled and made into a daycare room. It was
also home to anyone that found themselves with out income or a place to live, no questions asked. Needless to say 3 of my 8 grandchildren were born here and we have had a total of 10 live here at one time. In 2005 everything hit
when my health took a turn for the worse. I had no income,
every one else pulled togeather and we made it through. I
owed IRS and fearfull of loosing our home I went to a local
tax accountant to help.Trusting this man with a re-fi he worked out for me we went from owing 119,000 at 5% interest to 177,000 at 12% paying interest only for 2 years at 1400.00 a month with Litton Loan .We ,determined to keep our home worked our butts off and made it until now. 7 mos
ago I asked Litton to modify my loan and sent them all forms they requested. When it came time for the modification I recieved a letter ,Litton sold my loan to Quantum Loan Servicing. I started the modification process again only to be told that Quantum does not do internal
modifications. I am now forced to file bankruptcy and have
until July to pay all money due in the sum of $17,187.02
by 7/11/2011 or my home will be sold at a public auction at the Mason County Courthouse here in Shelton, 1 mile from my home. I live here with my daughter ,her 4 kids, 5mos 4,5 & 13yr. Their daddy has been in prision cleaning up his past so he can come home to his family and start fresh. My daughter suffers with severe panic attacks and is in the process of recieving SSI,my 16yr. old grandson who has been on SSI since he was 11 and my 19 yr old grandaughter who is homeless.I have degenitive disk desease but am undergoing ipidural shots in my spine hoping to reduce the pain, with a brace I can function . I fear loosing our home and splitting up our family as WE are all WE have. What will happen to us.
I pray that there are enough understanding people that might
be able to lighten the burden and help me to continue to help those who need me, our home and to stay togeather.If
there is help out there and it happens to be more than we need I would like to donate to the struggling families that
need help.
GOD BLESS
All of us at the OHANNA home

I am located in Northeast Ohio and in great need. I have been unemployed for a little over a year and am a single mom with two children 16, 13. Somehow, by Gods grace we have been able to survive. However, I am very behind on my mortgage and in foreclosure. I am waiting on a reinstatement letter from the attorney's office and believe the amount has climbed to about $13k.

The loan is with Chase and I have tried several times to apply for a modification, but I don't have the income to justify them giving me one yet. I went on a job interview Friday and I felt confident when I left that I had a good chance of getting hired. I have come close a few times, but came in 2nd for whatever reason (the agency's usually won't tell you). I believe that getting caught up on the mortgage will give me more confidence and I will be able to land that job and go forward from here.

We have lived in this house for what would be 11 years in July so I am not transient, rather very stable under normal circumstances. Please let me know if this is something you would consider. I would be happy to fax/scan the reinstatement letter and give any instructions needed for payment or you can use PayPal. Thank you.

I don't know where to start. Last year my company started significantly lowering my monthly bonus. I ended up missing several mortgage payments because of it. I tried to apply for a loan modification but my lender has refused to help me and the man I paid for this service didn't do anything but take my money and give me horrible advise. I now find myself in foreclosure and am in desperate need of $12,000 just to go ahead with a repayment plan on my mortgage. My company has since laid me off and so now I'm unemployed after 12 years of service. I don't know how much more I can stand. My life has seriously taken a turn for the worse in the past year and now my children and I are facing becoming homeless. How does a single mom who has worked hard her whole life and been very responsible end up like this?? The scary truth is that this can happen to anyone, but now I find it happening to me. Please find it in your heart to help me and my family. Thank you for taking the time to read my story.