Single Mom Needs Help with Foreclosure
September 27th, 2009
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.
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