Thursday, November 6, 2014

Fibro and the looming possible house foreclosure

We are in danger of losing the house.  We are short $2058 to stop foreclosure proceedings.  I can pay the monthly payments but I have yet to figure out how to pay the back stuff.  Yeah, that would be the issue.  I had hoped that in the safe deposit box would be some sellable jewelry, there isn't just mom's pearls, which are going to Abigail, and my necklace, and a few other things but nothing we can sell.  We did find $124 Canadian but that paid for the drilling of the safe deposit box so that brings us back to well, the beginning.

My anxiety is high, I will admit and the pain levels are high too.  I expected this because of the situation I am in.  I don't want to sell the house, which is the extremely very very very very very last resort because I will not only lose my home, but my livelihood, teaching as I teach at home.  The house is set up to teach and where else would I be able to teach?  There are no studios in the area hiring (I tried) and apartments around here are not conducive for teaching plus I don't know how I would afford an apartment on disability alone so basically, I will be homeless, literally, if I don't somehow someway come up with a plan.

So I did.  I will be talking to housemates this weekend but also I took a suggestion from a friend about setting up a account.  I don't have super high expectations but so far, someone has donated $50 so hey, that is $50 more than what I had earlier.  I am thrilled.  I mean, I am so thankful for this help.  I sure hope we do get more because this past summer was the worst.  First Calli got super duper sick, then I got sick, it was just a horrible cycle of bad things.  Now that things are back to normal, we stuck with this.  I didn't even know because I have been speaking to the bank this whole time and well, they led me to mistakenly believe that because I was making regular payments again, that we were fine.  I was wrong.  I didn't ask the right questions.  I know better.  I have made some changes here at home that will prevent this from ever happening again so I feel better about that.  I just need to somehow, someway get the rest of the money.

I am open to suggestions.

1 comment:

  1. have you checked into a HARP loan, it's a government bailout of your mortgage if you are in foreclosure. I don't know how to qualify but we managed to get one, on the second try, and save out home. It also lowered our monthly payment $300 which really helps to catch up on other things. Hope things work out for you, I worry you are going to get sick with all this stress...please take care.