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What's on your heart and mind today?

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SuspendedByUser
 in response to chrysta1114...   

Avoiding Charity Scams

http://www.youtube.com/watch?v=YlvXCxuW2oY

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kimcoon
please someone find it in your heart to help me get home i cant stay at the shelter tonight they are already full and i have no where else to go
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removed
 in response to FriskyFreddy...   Who killed Jesus Christ? The answer should be clear : The Jewish leaders wished it; Pilate could have, but did not prevent it; Satan incited it; our sins demanded it. Most of all, though, it was God the Father who willed it, and it was Jesus Christ who willingly offered himself to be sacrificed -- for the Jewish leaders who wanted Him killed, for Pilate who washed his hands, for the Roman soldiers who scourged and crucified Him, for you and for me, and for all of humanity that He and the Father love so deeply.
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removed
 in response to FriskyFreddy...   IT WAS GOD'S AND CHRIST'S LOVE FOR HUMANITY THAT ULTIMATELY KILLED JESUS CHRIST.
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kimcoon
 in response to sheshe030...   i have called churches and salvation army and anywhere else i can think of and still cant get help with my problem any ideas where to go
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SuspendedByUser
may i ask: Who killed christ?
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mamashe/sheshe
 in response to Patti&andL'ilTommy'sMommy...   Reply to Patti and LIL Tommys mom: There is absolutely no excuse for you or your children to be going hungary. You have a computer and access to the net, right? You can google food assistance and then your state and location and if you don't have transportation you should call the Salvation Army or a church close to where you live. If you are able to get posts on aidpage then you can get to google as well. That is where we find a lot of our information to give to others and it is easy to do so you need to get on google and see what you can find. I wish you the best sheshe030
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Patti&andL'ilTommy'sMommy
The more I try to find assistance, the more disheartened I get!
It breaks my heart that I was unable to get my children anything for Christmas and it is so disheartening to not know what we will have to eat from 1 meal to the next. I have basically quit eating so my 2 children can have a bit of extra food which can cause me to have seizures, but they are children and food is more important for them to have than me, I am 44 and full grown-they are still growing. And the cold, it was 1 degree outside this morninng and I cannot find any local Charities or Churches that have Blankets, much less food-this area is so economically depressed that if a Food Pantry gets food in, it is gone within 15 minutes and when one is blind and has to depend on someone to take you to the Food Pantries, generally one does not make it in time.Mobile Homes are so cold.Warm socks;boots;coats;hats;gloves;sweaters and jeans for my son and long skirts and leggings for my daughter and I would be such a blessing as well!
I guess wishing never hurt-as long as you are able to wish, you are still alive!
As long as I am depressed and wishing, I sure wish for soap;shampoo;anti-perspirant;hairspray;make-up;femiine hygiene products for my daughter-Thankfully, I had a Hysterectomy and no longer have to worry abooout that!;Laundry Products;Toilet Paper-Basic Human Needs!
Then the matter of a computer for the children to do their Home School on!
Everything else is needs!
The computer is a necessity for their schooling.
I do not know what I am going to do!
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Anonymous
 in response to Mimzy...   unfortunately we found out everything the hard way but it sounds like you are on top of it all..Ill be praying for your modification..its great to hear that you have a backup plan(or several in your case!) planning is a must..when me and my husband bought our house this year, we used the home credit to purchase a trailer just in case something happens down the road, we will have a place to live in...well its late and im gonna turn in but just wanted to offer support and let you know your not alone...take care and as I said Ill keep your family in my prayers.
Char
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Mimzy
 in response to char6...   Thanks for the heads up. I've got an agent at Home First who is trying to help with getting the modification done. They are forever asking for the same paperwork over and over.
But I've kept things very organized and electronic too. I've copies of everything.

The one thing that is a problem is that I don't have a court order for the child support. So that is difficult to show how long that it will be enforced. It's direct deposited into my bank acct. but they may next want proof of how long it will last. My daughter's 18 now and if she goes to college it should last till she's 21. But if not it will end at the end of next year.

This gives us less time to work on back up plans. I never put all hopes into one plan of action. I've got family members in on the whole thing now that are willing to help. My two older kids would go up north to stay with family and get settled there. That will make it easier to settle with the young one as it's less expensive to rent something smaller.

Currently we are trying to find a way to reduce the amount of material things we have so that we have less to store or move.
Once we get down to the bare minimum then we can step up back up plans to get them moved out and try to see if I can get a sale if they won't do the modification.

If I have to do the sale I'll make sure I get the $3k that is offered to resettle. I'll also have saved up as much as I can by then to help us relocate. My niece says that there are several duplexes near here and that there is help to pay security and 1st month to get into a place. They also have places that are available based on income as well as section 8.

I do have protections set up against unlawful entry, due to seeing other servicing companies take things too far and try to deal outside the legal channels. They come into this house they may not like the greeting they get. I've some canine security as well as some cheap nanny cam like security in place. (it's nice to have a daughter who's into technology and interested in becoming an engineer.) So whatever they do will be recorded and I doubt they'll ever find the equipment, even if they empty the entire house.
(I'm an old Hayduke fan...for those that know him, you know what I mean. lol)

But thanks for the info...I'm sure that it will benefit several who are dealing with this sort of thing. Thankfully my headache hasn't tried anything yet but delay tactics. So I'm going to keep planning and see about keeping one or more steps ahead of them.

Have a good New Year...we can hope for it to be better than the last.
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Anonymous
 in response to Mimzy...   hello and Im sorry about all you are going through to keep your home..I wish that I had some experience in the mortgage field, but I would still like to share the experiences of my Brother and Father with modifications. My brother actually lost his home when he tried to do a modification. My Father almost lost his but we knew the tricks the banks played with my brother and was able to be more aware during my Dads modification. With my brother, his house payment was 2,800 a month..then he filed for a modification and was told he didnt have enough income to qualify..a month and half later, he was approved and his payment went down from 2,800 to 2,000..he paid this for three months, then received a notice from the bank stating his modification was denied after FURTHER REVIEW and he had to come up with the old payment of 2,800 as well as an additional 2,300(for the remaining part of the mortgage that wasnt being paid when he was approved for the modification! Consequently, he lost his home. As for my Dad, he tried to get a modification and he was denied. We filed for bankrupcy protection ch.13 and then his bank (CHASE) contacted us to say he was approved on the modification, but he needed to withdraw his BK. HIs lawyer advised against this so we continued in the BK. Its been 9 months and chase has tried several tactics to make my Dad lose his home. First, they sent a letter to my dad saying he needed to make his mortgage payment to a new address. He called the number to make sure his account number was still the same and the service rep slipped and said they were actually a collection agency. According to my dads attorney, this is quite common..banks will use third parties to try to trick you into collecting the second mortgage payment because the minute that you make the payment, it falls out of bankrupcty protection...then we checked my dads credit and chase actually reported to experian that my dad had removed the 2nd mortgage from bankrupcty.(we think they did this anticipating he was going to make that payment to the collectors) we cannot remove it because for whatever reason the agency said Chase was valid in reporting it. Then we got a notice saying my dad didnt need to pay his taxes because they had been paid from his impound account..great except he doesnt have an impound account,he is not a new homeowner..so he called the county tax person and they stated that banks are paying peoples taxes, the homeowner gets a notice stating their taxes have been paid so they dont pay them..then they end up losing their home becuz heres what the banks do: lets say the taxes were 900 dollars, the bank will take out 300 a month from your house payment until it reaches 900 dollars, then will send you a notice saying you are behind on your house payment for three months..they play alot of games, its so sad people work hard to own a home and have to go through all this to keep it..my prayers go out to you..if I come across anything that may help Ill send your way...I hope what happened in my family can help you or anyone else be aware and know what some of the banks are up to..I hope yours isnt like our experiences but at least you can be aware..best of luck and Ill be praying for you.
char
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Mimzy
Don't know if the sites I stumbled on will help but I found a few that might be worth looking into.

www.peoplestring.com
http://www.cashcrate.com/
http://needhelppayingbills.com/helpwithbills/

http://www.singlemomfinancialhelp.com/
http://www.usa.gov/Citizen/Topics/Benefits.shtml
http://financialhelpforunemployed.com/category/financial-aid

Hope that these are of some use. Good luck
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Starshine
 in response to Mimzy...   No work is hard to find and hope better after the first. Your house sounds like a good deal.Can NACA help you out? Was this a HUD home.
I am doing okay. just hanging in here by a thread.
See you and I wish for a better year too
we will see
hugs
Starshine
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Mimzy
 in response to Starshine...   No, work isn't easy to find when you aren't skilled. He's mostly done odd labor work. Clean up yard work, lift and carry - not any skilled kind of work.

I'm hoping that things will pick up work wish as things turn around in the new year. I wish that my cousin would be able to get back to work driving - either doing delivery or in a truck. He's also skilled in construction and is a fair mechanic too - so his getting work is the better chance.

Even if it's just some odd jobs locally - that would be some help. I don't understand it, but I was told that if I didn't have enough income that I wouldn't be able to get a modification on my mortgage. Now that just sounds kind of dumb. If I'm low income I can't get my mortgage modified so that I can pay it and survive better?

You'd think that they would drop the 10.84% down to at least, what? 5-6% to cut some of the interest off? What with that Make Homes Affordable contract that they signed, you think it would be in their interest to show they are earning the money they got.
I only owe two months and I've scrapped up the payments for months now waiting for them to cut a better deal. But so far all I'm getting is delay tactics.

Besides paying for utilities and non-food stuffs that we need is near impossible without help...yet I've been doing it by the skin of my teeth. But I don't know how much longer I can keep this up.

Now I'm told by the HUD agent helping me, that if I don't have enough income that I won't be able to qualify to get help lower the payments or get a modification. This whole thing is nuts!
If we lose the house where are we going to go? It's the only reason we've had to stay this long.

If I could find someone that would take over this place, give me the funds I need (my investment back) and just let me and my family get away from this nightmare, I'd take it gladly.

I got the place for $52,500 and $7,000 was put down on it. I've still got around $39,500K plus fees to pay. That's a bit more than $15k paid in over ten years due to that 10.84% - it's not worth the struggle. Give me a way out, I'd take it and find a better situation for my family.

But for now, finding some work or something would help out a whole lot with the situation we have right now.
Hope that you're well and that things are good. The New Year draws ever nearer...hope that it will be better than what it appears to be...I've a foreboding feeling about Jan. 2011.
But I'll wish for the best instead...
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Schmidty
 in response to chrysta1114...   I saw that. Very sad indeed.Very low. I don't see how they can live with themselves.
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Starshine
 in response to char6...   You are welcome and we tried.. Hugs
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Anonymous
 in response to Starshine...   I wish I could remember the specifics, this lady really needed help and I wrote it down but neglected to send her a message so have no record of it besides the paper I lost..the person who wanted to help is in Ca. near me..I had a list of people that I was trying to get help for, thats who she offered to help for whatever reason..oh well maybe Ill come across it..thank you for your help though :)
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Starshine
 in response to char6...   I looked again and did all variations and couldn't find nothing. Where does the person live who wants to help as in what state? Helping anyone would be better than helping no one.
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Anonymous
 in response to Starshine...   thanks anyway for checking..maybe she can help someone else instead...
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Starshine
 in response to char6...   I searched that angelfood and paper route her and lead to 2009 or nothing that would be applicable. I remember someone saying about you doing a paper route. I am lost on that one. Hopefully they come back as it would take me to midnight to go through mine.
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