Can anyone direct me to a government agency/grant that can help save our home from foreclosure? Our mortgage company has turned our account over to a law firm and the public sale is scheduled on our property. My husband works on commission and I am unable to work due to illness. Thank you for any information you may be able to give. J. Ragan

 Hello,

 Some time ago we committed to deciding to help out families who are in need of financial assistance due to mortgage troubles by using Prosper as a tool.  Unfortunately, before we can begin to help others by lending to them through Prosper.com, we need a little help ourselves -- temporary help, for the months of May and June.  Our situation is as follows: We have a 2 & 1/2 year old son and want him to be happy.  We want to keep our home.  I became unemployed about a year ago and my wife remained working, but during this time we always paid our mortgage on time.  We wanted to hold on to our home. 

We can accept money through Paypal to the address of:  pcvcolin@yahoo.com

The situation became dire when my retirement account and credit cards were depleted; fortunately, at that point, I was offered a job.  Now both me and my wife are working again, both of us with good-paying government jobs (steady income).  With the new income, the mortgage lending company, Citicorp, did allow us to go for a modification to our loan, and while they did review our pay stubs, they gave us a new monthly payment that was so high that there will be no way for us to pay it.  Additionally, Citicorp demanded payment on the 11th of this month instead of waiting to the end of the month and threatened foreclosure (an senseless and mean threat, particularly since they agreed to defer payments for the last couple months and since they agreed to approve my modification; their threat is especially mean-spirited considering I paid them on time for the year when I was unemployed, using my retirement account money).

So, we have realized we will have to leave Citicorp and refinance.  Unfortunately the threat of foreclosure means that we have to pay them on the 11th.  While we have the money to do this we do not have the money for other things, like food, gasoline, and bills.  We ask for your help in whatever you can contribute to get us through the months of May and June; by the end of May we expect to be completely out of Citicorp and refinanced into a better loan, and by the end of June we will have recovered from this debacle.

After June we will begin to set aside money to lend to people through Prosper.com who have had mortgage troubles and who cannot get loans through ordinary lending institutions.  Help us position ourselves to help other people ~ please consider making a small contribution today.

You can see my credit details, photos, and a lender discussion of the Prosper.com that I myself received that helped me a few months ago to save my home when Citicorp first began to threaten our family.   See these details by linking to:  https://www.prosper.com/lend/listing.aspx?listingID=102009

My name is Ann and I was haveing problems with my mortage company. I was pay every month and my son died fo sudden cardiac death on October 21, 2004.  We had so many bills and my husband had been on the Job for 9 months. We lost 1 car and the medical Bills and Funeral were over $20,000. It was hard for my husband to work and he is trying so hard on his commissions. We got behind 1 month on our Mortgage and

got letters of forclosure. I sent the payment in and they sent it back and told me I had to send 2 payments.

I sent 2 payments and they returned them.I tried to call the help problem dept and they called me back

after a month. They would not accept my payments so I hired a Forclosure Company and took my payment

money for their fee and have saved 3 payments so far. I don't know what to do we don't want to lose our

house. This is scaring me and we are all seeing counselors for our grief. We need help. We keep getting deeper and the people keep telling us they are working on the mortgage. We are using a hardship. We are really miss our son and we can't lose our home.

Thanks for listening

Ann

Ann

Still in need of help!  Dealing with Financial troubles badly!  our home is in forclosure and were about to lose everything!  Can't believe that I have been looking for help since Last year to keep from getting this way, and nothing but scammer after scammer gets in touch with me!  there doesn't seem to be anyone out there anymore that has a soul that would or even could help anyone that is having trouble anymore.  been working on getting things caught up but still falling behind with everrything going up all the time.  just about can live or raise a family!  want has this world gotten too.  it's a shame!  I pray all the time that things get better and so far nothing is working right for me.  I have faith and my heart keeps telling me that things are going to get better, but I hope I'm not trying to raise a family in the streets by the time that this would come true.  God Bless all of US!

     I am a 41 year old wife and mom and I recently lost my job.....I have a disabled spouse and he has been in need of more care than normal as his symptoms are increasing and I was fired from my job as a result of that care.  We are now facing possible foreclosure on our home and I am desperately seeking assistance to save it!!  We need to find the right people to talk to about my being hired as his continued caretaker.  I have been his primary caretaker for many years now and he has complete trust in me.  He does not need skilled nursing of any kind at this point and I do not think he would allow a stranger in the home at this point.  We also have 4 boys still at home which are in need of the stability of both parents at home and not a stranger in there home.  I have worked hard for this family by holding down full time employment, continuing college(which has been set aside for this term), and keeping this family afloat as best I can.  Now it has come to the point to where I need help and don't know where to turn?...

I have a GROUND FLOOR GIANT - Georgia Launch Energy De-regulation.

This is a great opportunity to make and save money on your utilities. 

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Thanks and God Bless!!

My husband Robert died on 2/1/2005 due to unexpected complications from kidney disease. He was receiving Social Security disability income. The last full-time job I had was in 10/2001 which I lost unfortunately. Since that time I have been working temporary and have not been successful in finding suitable full-time work comprable with my professional skills and education. The temp assignments have not been consistent. This along with the lost of my husband's income caused me to get behind on my mortgages and other expenses. I have been behind since june 2005. My house is due to be auctioned off on 1/30/2006. At this point, I don't know what to do to stop this action. I know that foreclosure and bankruptcy can ruin my credit but there has to be some way out. Are there any other options?

Barbara J. Waddell-steele

My name is Curt Sheldon and I am the father of 5 (3 grown) but, currently only raising my son; who is the youngest; by myself. I am trying to make a living by myself due to the lack of jobs in my area. Two years ago I lost my house of 16 yrs. because I could not find anyone to help. Now, I am on a mission to help anyone facing a foreclosure. I do not want to sell you anything nor buy your house. I work for a referral company aimed at finding a solution to your possible foreclosure. Go to my website and help you for free.

I went through some financial and health problems and I lost our house to foreclosure.I am praying there is help for me and my family with this situation. I have had my job for almost 12 years now and earn prettygood money.Please somebody that can relate to my problem please reply.

I am married with 2 kids, I was a dedicated and hard worker, never depended on anyone or asked anyone for help.  I was hurt on the job and am now fully disabled.  My husband can't make enough with out me working to keep up our house and bills.  I receive nothing for my disability, and won't.  I am begging for a miracle, before my debt and our bills put us out on the street.  I never thought it would come to this, but who does?  If there is anyone out there who can help in any way, please do so. Its terrible when you have to chose between food and utlities.

Hello to all who read this...I have recently had my hours cut at work and been forced to transfer to a farther location.  I have had some recent set backs that have put me in the hole and am now facing foreclosure on my home.  I NEED HELP...My credit scores are low and prevent me from refinancing to pull equity out so I am in facing a downward spiral situation.  I have contacted an attorney who specializes in mediation with your mortgage company but initially the fee is $1500.00 of which I do not have.  We live in a creative day and age so I am turning to the internet for help hoping to find someone who has a kind and generous heart.  If you have experience with this type of situation and can offer advice, if you are willing to loan the money or possibly donate the money---I would more than appreciate it.  This is my first home, I have put alot of sweat into fixing it up as it was a disaster when I purchased it---I can't loose it...PLEASE HELP!

I am unemployed but am receiving benifits.  I am looking for a program that will help me pay my mortgage payments until I can find a job.  Does such a thing exist?  I am desperate, the bank is threating foreclosure.

Thank you in advance,

V

People who need help getting out of foreclosure please contact me!

Hello.  I'm not here asking for money from anyone,  just information.  Due to the passing of my cousin, I've inherited her daughter to raise.  She gets $600 a month from Social Security.  What I need is real information on how to get grants so that I can provide for her.  I lost my job (due to my own doing) and there's no unemployment for me to file for.  I think I need to go back to school and get a marketable career but I need to find the funds to do that.  I've gotten behind on my bills and had damaged my credit so I don't qualify for loans.  Anyone know how to get a grant?  A real grant that could provide me with some relief?

hi i am new to this site and i hope someone out there can help my family.i currently am living with my 82 year old grandmother and her mortgage is behind 1,967.00 due by feb. 29th 2008 and it is already feb.20th 2008. if we cannot come up with this money they are going to foreclose on her house and she has been living hear for over 50 yrs. i seriously don't want that to happen. i was helping her with the bills until my doctor put me out of work in april 2007 and has not yet let me return. so i have no income to help her.but i wish i could or someone out there can. i am also expecting my first child in 3 weeks and do not have any thing for my unborn child. we have had to use agencies in the past for the other bills . but there is no agency here to help pay mortgages. and other family members of ours say they do not have the money to help. so if there is anyone out there that can help me and my grandmother out so we will not be homeless please leave a comment on my page and it will be greatly appreciated by all means.  

may god bless everyone!!!

p.s. we only have 9 days until foreclosure . 

A little background information. I am 40, almost 41 years old, married with two beautiful daughters ages 8 and 5 and disabled since April 2001. I receive Social Security Disability but we all know that it does not come close to a regular pay check. Before I got sick, my wife and I were both working and our combined income was close to $85K per year. I began getting sick in 1999 with acid reflux or GERD. I went through every drug on the market and using each above the recommended maximum dosage with little or no relief. When it began eating away at the lining of my esophagus to the point I was developing holes in the lower portion near the point where it connects to the stomach and spilling into my lungs so badly that they thought I had developed asthma, their only other option for me was a surgical procedure called fundoplication. This procedure takes the upper portion of the stomach and and wrap it around the esophagus to tighten the valve to prevent the acid from coming back up and to cover the holes. It was supposed to be a laproscopic procedure where I had it done on one day, spend the night in the hospital and go home the next morning. My maximum time off work was to be two weeks. I actually left the hospital on the day I was supposed to return to work. When I kind of came to on the first day after having the laproscopic procedure go so badly that I had to be opened up the full length of my abdomin so that they could try to fix what they did that almost killed me plus I was in intensive care. The next day, they did a test where I drank some awful tasting mess so they could check for any leaks in my stomach or anything. Guess what, they stated that they found leaks and back into the operating room I went where they took everything they did the day before apart and did it all again. This time when I woke up, again in intensive care, I was on a ventolator for a week. They took the thin lining that is between your organs and your skin to keep then from growing to each other to wrap my stomach and seal off the 3 or 4 places that it tore open during the laproscopic surgery. During the first, laproscopic, surgery, in addition to my stomach tearing open in 3 places, my liver was cut/damaged to the point that the gave me at least 4 units of blood. I haven't been able to work since then. I have constant diarrhea, abdominal pain which is increased when I eat anything at all, on a scale of 1 to 10, I stay around 8 or 9 all the time. I also have a partial small bowel obstruction that will eventually have to be surgically fixed. The obstruction(s) are caused from the extreme amount of scar tissue that I have in my abdomin which is why they don't want to operate again until they absolutely have to. I have been admitted to the hospital 12 times in just the past 3 years and have already had to have surgery to correct a blockage in my colon. My small intestines, colon and I don't know what else is attached to my skin where the lining was removed. I cannot lift anything more than 5 to 7 pounds, pull, strain, climb, crawl  nor stand, sit or lye down for more than about an hour and a half at a time because of the pain. I also have areas that are close to herniating which will also cause another surgical procedure. When they admit me for a blockage, I spend a week there with a tube down my nose (NG Tube), in my stomach connected to a suction pump to pull all of that stuff back out and clear the blockage, for then anyway. One, I cannot even stand to think about any other surgery and two, the doctors don't want to do it either.  In addition to all of that, and I left some things out, I have degenerative disk disease in my back, my spine has lost it's curve at the end where the tail bone is. Also, I have to sleep with a CPAP machine because of sleep apneia and have to take medicine during the day because I also have narcolepsy. Dealing with all of this has caused depression, anxiety and post traumatic stress disorder from the surgery. I still and always will deal with these health issues and mental stress from now on. Because of all of my problems, it's obvious that my wife had to leave her job to care for my and our children so we have been trying to make it on Social Security Disability which is getting harder and harder every day. We have already gone through our savings and 401(k)'s to survive and keep our home and a vehicle. Our credit is shot because we have had the 2 cars that we had when this all happened repossessed. Also, all of the other credit we had then, fell behind and pretty much totally destroyed our credit. We are behind one house payment and the mortgage company is a pain to deal with and absolutely refuse to offer any assistance at all. I am still trying to pay some on my hospital co-payments that are now pushing a total of close to $10K and I never know from day to day when I may have to go back. Plus, like everyone else, I have the normal power, phone, cable, water, trash pickup, car payment, car insurance, homeowners insurance, food and school things for our girls. We also heat and cook using propane gas. We have been without propane for 95% of the winter and we are out now which means we heat with small electric heaters and cook on a hot plate, microwave or small toaster oven. Right this moment, we have a total of maybe $5 to last two more weeks and it's about to drive us crazy. We can't cook, heat nor watch TV because the cable has been turned off until I can get money to pay them in two weeks. I am the type of person who hates to have to ask others for help. I would rather help others than to ask for help but I don't have much of a choice right now. Our families, our church and our friends have been great during all of this but they all have their own bills and families to take care of also. Any help would greatly be appreciated! May God bless you!

hi I am a single female, am an artist and started a retail business with nothing and have kept it going for 6 yrs. but the past 2 have the MOST unimaginable. So many bad events I actually feel cursed. Being alone with a house and a business and trying to transform the A.D.D. artist INTO a business woman is a lot for person.My house needed LOTS of work 2 years ago and I was TOTALLY ripped off by 5 separate contractors--I intend on pressing charges but that too costs money and I need to prioritize. SINCE I knew I could not trust any worker alone in my house, and my home needed (STILL needs) normal amenities I was offered help from a friend to keep an eye on the shop while I babysat the workers.....WELLLLLL she needed babysitting as well some deposits mysteriously vanished (as well as a bank stealing from me---a WHOLE other ball of wax.. SERIOUSLY could write a book, but was done a terrible injustice and have no means to fight them)...well in the course of all this....a competition (franchised) store with much more money opened LESS than 2 miles from my store....wah wah wah.....bottom line, gas has been off since May....house at that time went into foreclosure, but I pulled a rabbit out of my hat and saved it...but NOW the workout payments are DOUBLE what they were and I was struggling with previous!...the water JUST got turned back on after a 2 week drought.... D.H.S. is LESS than helpful...I have been waiting for 3 weeks for the prior approved funds to be re-approved all by a simple piece of paper that was SUPPOSED to have been mailed to me and cannot get another-- the whole system is confusing to a non-systemer,--I JUST WANT TO CRY!!!! the system needs a SERIOUS restructure!...paid taxes since I was 16 and cannot get a straight answer and was humiliated by the 'social' workers---OH and not having a CAR (yeah U guessed it a drunk ran a red and I totaled my reliable transportation....$ paid the bank....hit and run of course too so no recourse)......ALL this while my credit is being destroyed trying to keep everyone happy and not doing that good of a job!...there is SOOO much more that has happened it is truly UNBELIEVABLE...and every time someone says....'well it can't get any worse'....IT DOES!...since the heat was off in May (didn't miss it in the summer heat and Tide has cold water wash!!!)...anyhow all of the heating funds through the assistance programs were depleted,  so no heating dollars exist because I supposedly make too much money..HA!...DTE is requesting a large deposit and reconnection fee on top of my charges which doubles the amount...It is really cold and I am really scared---pipes freezing, or ME....recently as well, my store was broken into and $ and inventory stolen...I have no one to turn to for help....I was/am soo proud of my store and know that it has a future as soon as I can get back out of this hole and afford the advertising /new merchandise(also pay the vendors that I currently owe)/ and catch up the back rent. My semi-understanding landlord, HAS served eviction papers ONLY to validate that money IS owed....ANY assistance or suggestions would be incredible as life's hole gets deeper and deeper---I DO NOT want to file bankruptcy---HONESTLY this is only a small portion of my cursedness...it is amazing I have not had a full blown meltdown!....I want to get my home finished so i have a peaceful environment and can get myself ORGANIZED, i KNOW this will help tremendously!...I THANK YOU in advance!

 I ALSO HAVE NO HEALTH / DENTAL INSURANCE and NEED IT!!

 a breakdown of problems

$3000 for a reliable car/plates/registration

$2350/month mortgage payment due to foreclosure fees/workout repayment plan (total mortgage $127,000)

$3600 due in delinquent and current property taxes

$3000 due in past due business location rent to the landlord

$3500 due in delinquent sales taxes from business

$3000 owed to friends who helped me save my house

$2000 in way overdue student loan

$6000 due to vendors for store inventory--thankfully they are understanding

$1000 due to re-connect my natural gas utility

$1000 due to nextel/sprint for unpaid balance on turned off cell phone (there are several disputes, I am tired of going around and around...do not have the time OR the energy)

$700 due in outstanding advertising debt

$300 behind on my phone bill---AND they left my BUSINESS INFO
OUT of the yellow pages...AND listed it as an UNPUBLISHED

$5000 in credit card debt--most is for business and the remodeling which is STILL not finished

$500 outstanding bad checks-with THEIR collection fees

$500 past due VET bill

My name is Barbara . I live in Delaware.  I have been married for 18 years to what I thought was a wonderful man. Three years ago he was diagnosed as bipolar with psychotic episodes and placed on Soc Security Disability. In March of this year his father passed away after a long illness and he stopped taking his bipolar and psychotic meds.  What a mistake!! He became violent with me and was taken out of the home by police and is now encarcerated and has been since May.  He is awaiting trial on a felony charge involving trying to kill me.  The courts have ordered a complete mental health evaluation on him before trial is even scheduled. Needless to say since he is incarcerated on a felony charge he is not entitled to his social security disability so there is NO income coming in from him at all.  I am working full time and trying to raise 3 kids ages 13, 6, and 3 alone.  We had filed for Ch 13 bankruptcy at the time of his diagnosis and now I am stuck paying for the post petition payments as well as current mortgage payments and household expenses.  I cannot afford to do this and my home will be in foreclosure very soon. I NEED HELP. I have filed for divorce and property division but that can take some time to resolve.  I need the help to keep my family afloat until all this can be resolved.  CAN ANYONE HELP ME??? Feel free to contact me at b.delaney@hotmail.com