Foreclosures Help Information

Archive for the ‘Help Stop My Foreclosure’ Category

Hello, my name is Eliza and I am a 39 year old single mom with 2 teenage sons. I was married very young for 17 years to a man that was controlling and an emotional abuser. I was divorced 2 years ago and because I put off my education to raise a family the judge awarded me with spousal support of $1500.00 a month for 6 years. Since January 09, my ex-husband has paid me almost nothing each month in spousal support which has caused me to fall behind on all of my bills.

In June, I qualified for a Loan Modification Program that dropped my house payment from an unmanageable amount to a less amount which helped out alot. However, I am still struggling because I have not received any spousal support since July 14th and I make just above minimum wage. It is impossible to make mortgage payments, pay for bills as well as other expenses with my wage alone.

I knew that I was going to have a problem paying the Sept mortgage payment and I heard that it is best to try to negotiate with the mortgage company early so I called them. I contacted my mortgage company but they informed me that if I cannot make the September house payment, then my loan modification agreement will no longer be valid. But, if I can make September mortgage payment of $960.55 no later than September 30 then my loan modification will stay in place and the foreclosure process will not start. This is so scary for me to hear the word foreclosure.

Unfortunately, since not receiving any money from my ex-husband in 2 months, I was forced to use any savings I had to pay utility bills and get food for my children. Now I have nothing left in the savings account and I am struggling in every department.

I am praying for an Angel to help me this time as I have run out of options. If anyone knows of anyway I can get help or any charities that offer such help, please let me know. I will be so grateful. Thank you.

If you're new here, you may want to subscribe to my RSS feed. Thanks for visiting!

I live in Kansas and I am in foreclosure. Due to a string of bad luck, we have fallen behind on our house payments. The bank is threatening to foreclose on our home. We are a young army family with two kids who have seen a lot of upheaval in their young lives. We bought this house with the hope that they would be able to have a steady living arrangement instead of moving every six months.

Everything was going well until I lost my job fairly recently. I had to miss four days of work because both my boys had pink eye and my husband was away in Texas doing training. I did not qualify for FMLA though I did try to apply for it and I am hoping for Unemployment checks but that is a few weeks off. There is a chance that we can save our home if we can pay the bank some money.

I have already talked with the bank and they said what we need to pay almost $5,000 in order to delay or stop foreclosure or the foreclosure sale will proceed. We need at least $2000 to stall the foreclosure on our home. We have already come up with the other $2300. I understand that times are tough and many people need help. If anyone knows of a place, an organization or something that can help us, please let me know. I don't know what else to do.

My husband lost his job in July. He filed for unemployment but the company he worked for fought the claim and they won. Fortunately he found a new job recently and he just started that new job. The problem is that he is not getting paid fast enough and we are behind on all of our bills and I do not know how to get caught up. The mortgage is 3 months behind  plus we have incurred fees of almost $2,600.00. Where can I find help? I do not want to lose our home and up root our kids. We have to pay back mortgage payments and we now also have problem paying the utility bills. With the money going towards other bills, we do not have any extra left to catch up on the back mortgage payments. The bank has already sent us letters of foreclosure. How do I stop them? How do I stop the foreclosure?