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might lose my house

Posted: Jun 25, 2010

Every month I go through the same thing - I wonder if I am going to make my house payment. There is just so much we have to pay for and obviously not enough money to pay for it all. Sometimes I just sit and cry and ask over and over - what are we going to do, where will we go, how will we live? I don't want to lose my home but there does not seem to be anything I can do. Just call me sad but true mt. Just thought maybe if I wrote it down I would feel better. Thanks for reading.

;

I am so sorry about what you are going through - nm

[ In Reply To ..]
nm

house - ohiocarole

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This is going to sound preachy, but here goes. I know what you're saying. I'm having the same problems, but I KNOW God will take care of me and my family. So instead of crying start praying and be grateful for your health and the love in your household.

Understand completely - brightcopperkettles

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The one thing I can tell you is this: My brother is an accountant. He told me if you make enough money monthly to make your house payment, pay that before anything else. As an MT, I will say pay your cable bill, phone bill, and house payment. Eat lots of peanut butter sandwiches. If you have credit cards, call them up and tell them you are having financial difficulties right now and need lower interest rates or a few months to get your finances straightened out, etc. If they tell you, no, so sorry, can't do that, ask to speak to a supervisor, then if the supervisor won't help, ask to speak to the next higher supervisor, etc.

The two things you need to remember are: 1) You have to be able to work, so keeping your internet and phone working are musts. 2) You have to have a place to work, so keeping your house payment paid is a must.

I hope these help. That's what we're doing right now. It's tough out there, especially for folks like me who have passed age 40.

Good luck!!

Recently in same situation. Long story. - see very very long message

[ In Reply To ..]
A year ago, I was in a similar situation, in danger of losing what I think of as my retirement home. I was perhaps more fortunate than many in that I don't have children. I was losing everything through my own stupidity (long story involving abusive alcoholic and my own co-dependent idiocy). The foreclosure notice had come, I was hiding my car to prevent it from being repo'd.

I had lost my full-time job and had a part-time that was paying maybe $800 a month. My mortgage payment was $680, car payment $353, car insurance $180, internet $75. Obviously the ledger books were far from balanced.

I went into a 'funk' for a couple of months, crumbling under the stress of a dangerous relationship and the financial hole I had dug myself into, feeling increasingly sorry for myself. Then one day I just kinda kicked myself in the butt and got to work trying to set things right. After months of ignoring the mortgage company, I called them and was able to get into a modification. I borrowed money from my kids (how humuliating that was) to make a car payment and get my TV hooked up).

My modification brought my mortgage payment down to $400 for six months. The single car payment was enough to get me at least breathing room for about three weeks. After requesting and getting more lines at my first job, I also got a second full-time one. I switched to a diet rich in Ramen noodles, tuna, and eggs, sustained by gallons of coffee.

At the end of six months, I was denied making the modification permanent because now with the second job, I was making too much money.

But the six months did get me enough breathing room that I was able to catch up on stuff. This winter when I had to buy propane, I had the money to pay for it then and there. My car is completely caught up (and only has 2 payments left). I was able to put up a fence in the backyard for my dogs and horse. I was even able to fly back to the west coast to see my daughter graduate and still give her a couple hundred dollars for a graduation present.

So talk to your mortgage company about a modification. Once you are approved, get yourself a second job if at all possible. Assuming they're a family unit, you will obviously need their cooperation. And keep plugging.

You may, though, want to consider allowing them to foreclose. Obviously there are a lot of people doing it, and if there really is no way that you can see yourself ever being able to afford the house you're in (such as adjustable rate mortgage that has adjusted into the stratosphere), maybe it would be better to allow it to foreclose (there have been stories where people have lived for a year rent-free in a home in the process of being foreclosed) and move on your terms rather than waking up one day to find the sheriff has put a lock on the door.

maybe you could rent out a room? People do this, now! - nm

[ In Reply To ..]
nm

We rented our "guest room" out several times! - Hayseed

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It's absolutely terrifying, isn't it? Probably one of the worst experiences, aside from losing a loved one. We made it over one hump by doing just that...we rented our guest room.

I never had a roommate in my life, but my husband did, and I pretty much let him take the lead in interviewing people. I posted an ad on CraigsList specifically stating what we had to offer, what the rent was (we agreed on a week-to-week amount), what was included, and what wasn't allowed (no pets, no smoking in the house, no drugs, etc).

We had very few applicants, just because we are so rural, but the ones we did have were FANTASTIC roomies. All were our age (40ish) and were going through personal crises of their own and were only here temporarily. It worked out great though and I'd do it again in a heartbeat. We are still friends with all our roomies and support each other however we can.

Good luck to you. You are so not alone in this.

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