Guess who's at my door!!! Forclosure....

@leenie50 (3992)
United States
November 19, 2009 12:24pm CST
Well, foreclosure finally caught up with us. My hubby has been out of work for 2 1/2 years and only received unemployment off and on this whole time. Yes we have been struggling to pay the utilities with my Disability, which we all know how little that is. Don't get me wrong, I don't mean to complain. I feel fortunate that we weren't kicked out sooner. And i am blessed to have my disability and food stamps. It's been a long hard road but we're still here. We have 45 or less days. Not quite sure where to begin. We are using the weekends to have garage sales. Of course we have two broken down vehicles, so we have to somehow get his truck fixed. I know, we sound like we are in quite a mess, and we are. So why do I still feel hopeful? I never give up!! So have any of you been through foreclosure or any thing close to it? Any ideas? Hugs Leenie
12 people like this
43 responses
@ANTIQUELADY (36457)
• United States
20 Nov 09
No, i haven't ever had to go through what u are & i am soo sorry u are having to. Your positive attitude is wonderful & i admire u for having it. I hope things turn out better for you. I have always belived where there's a will there is a way. GOOD LUCK!!
3 people like this
@leenie50 (3992)
• United States
22 Nov 09
Thanks for your well wishes. I'm hoping that those along with all the prayers I.ve been receiving will help us change things around for the good. I most certainly have the will. Leenie
1 person likes this
@SomeCowgirl (32210)
• United States
23 Nov 09
I am sorry you are being foreclosed on and I hope that your husband can find work again soon, and that you will find a much more affordable place. I've never been through foreclosure, my husband and I haven't had our own place yet. We just got married. We've learned from other's experiences and my own debt that it's better to save as much as possible and get help sooner if possible to avoid too much back payments etc. We have no clue what we'll be getting into but we hope to have a good enough saving's to get ourselves out. Though if your lose work, you lose work and there's not much you can do. You sound very very hopeful of which I am glad, it must make it much easier to deal with things to be so open minded, and that is great. Open mindedness is great. Here's to hoping you find a more affordable place OR somehow you aren't foreclosed upon!
2 people like this
@leenie50 (3992)
• United States
23 Nov 09
Hi Cowgirl, The economy is bringing all this on. When my husband lost his job 2 1/2 yrs. ago, it was just the beginning of the economical break down. I became disabled one month prior to him losing his job. We had a fairly good savings but eventually it ran out. Like many other home owners our home dropped in value to the point that we couldn't sell it without owing money. We bought this house 3 yrs. ago and put $80,000.00 down. Today the house is valued at 100,000.00 less than when we bought it. Hold on to your money until the economy turns around or you might end up like us and millions of other people. When people are in their late 50's like my husband it makes getting a job much harder, especially when their are thousands of people wanting that same job. I think you are smart to pay attention to what is happening in this Country and many other Countries as well. The truth is, if you have never experienced what some one is going through then you can't really understand the whole picture. But if you keep your eyes open and learn what is going on around you, it may help you keep from making the wrong decision someday. Thanks for responding to my discussion and I'm sorry for going on and on. Leenie
1 person likes this
@SomeCowgirl (32210)
• United States
23 Nov 09
Leenie, Please do not feel sorry for going on and on. I enjoy reading the opinions and advice of others. To be honest I am so eager for my husband and I to have our own place. I know it's much better to be financially prepared though and know that we will most likely be prepared mentally if not financially. I don't understand all there is to know about politics and economics, or the housing market. I do know that my husband and I want a doublewide and that the price of the size of doublewide we want has gone up. It was $80,000 and is now $96,000. It's caused me to consider looking at different floorplans but truth be told we haven't gone out to look at the houses personally so by the time we are ready the price could be down or up, or our interests of what we want changed. One things for sure, the house we get will be ours forever, that is, we don't ever intend to move, thus the bigger doublewide. Ah, see now I am blabbibg. But plese feel free to put in your input. I am hoping for the best for you and your husband!
2 people like this
@leenie50 (3992)
• United States
25 Nov 09
Hey Cowgirl, What State do you live in? I'm surprised that the double wide you want went up. Here in Florida, everthing has dropped in value. I wish the very best for you. If your jobs are pretty stable then maybe your dreams will happen soon. Big hug, Leenie
1 person likes this
@babyangie27 (5176)
• United States
20 Nov 09
I heard from a friend the other day about some government program that helps people who are in foreclosure,she seen it on the news. I tried Googling it but came up empty handed. Maybe talk to the worker that you get food stamps threw? Hun I wish I could help you I really do,and I love your spirit I wish I had it! You are an inspiration and God Bless! Keep me updated
2 people like this
@leenie50 (3992)
• United States
21 Nov 09
Hi Tonya, How's the move going and how's little Angie? I hope you both are feeling much better. If you can find out from your friend about any program I'd be extremely appreciative. Knowing that you and that sweet baby are in a safer and hopefully a more fun place helps me feel much better. Enjoy your new home. Hugs Leenie
2 people like this
• United States
7 Dec 09
I haven't spoken to that friend in some time she caused some issues for me while moving so I can't call her a friend any longer. How are you?
• United States
20 Nov 09
I definitly feel your pain, I was not forclosed upon but I was evicted from my apratment 2 years ago. I had lost a job from a company I had been with for 29yrs because they had to close their doors. I came upon on hardship after another and the last straw was when I was evicted and I had 2 choices live in my car or move in with my mother. I choose to move back in with my mother, which was very hard even though I was 45 she now felt she had the right to tell me when and where I could go and basically treat me like she did when I was living there when I was a child. I stayed with her for about 2 months till I had saved enough money to move to another state and basically begin again. I moved in with my sister and within 1 month I had a new job and a place to live on my own. I can now say 2 years later I am back on my feet and am a better person for what I went through. Things still are tight and there are days I still have to do without, but they are much better than they were 2 years ago. So hold your head high and keep up your standards and you too will come out of this on top.
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hi Jenny, I can understand what you went through with your Mom. Bless their hearts, I guess when going back home you become their child under their roof again and must live by the rules. I am so glad you are on your feet again. I pray for that day for us. I will keep my head high and moving forward. Thanks for the well wishes. Leenie
1 person likes this
• United States
23 Nov 09
You will get back on your feet you have a good outlook on your situation. I will be praying for you and your family
1 person likes this
@Thoroughrob (11744)
• United States
20 Nov 09
Keep your head up! You are in a mess, along with alot of others. Good luck to you with your sales. Hopefully it won't cost too much to fix the truck.
2 people like this
@Thoroughrob (11744)
• United States
20 Nov 09
here is a link for you to check out. http://www.jlodge.com/careers/, I hope this helps a bit.
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Thank you Rob, I sent this site to my husband. It looks promising. If anything comes from it I'll let you know. Leenie
@dawnald (84787)
• Shingle Springs, California
19 Nov 09
Hi, it's been a long time since I've seen you do a new discussion... So there's no possibility of selling the place first and getting something out of it? Because that would obviously be ideal. But I guess if you only have 45 days, it's too late for that. I'm sorry it's come to this, but I really hope you find a place that's decent that you can afford. Stupid, stupid economy. :-( Hugs...
2 people like this
@leenie50 (3992)
• United States
20 Nov 09
Dawn' The economy is hurting us all and I'm sure I haven't felt the worst of it. We would have sold the house but the value in the last year dropped a hundred thousand since we bought it 3 years ago. We have been praying for a solution that has yet to come. I am writing this discussion maily to let you all know that if you don't see me around all of a sudden, it's probably because I'm looking for somewhere to live. Till then, please wish me luck and say a prayer if you are so inclined to do. Leenie
1 person likes this
@dawnald (84787)
• Shingle Springs, California
20 Nov 09
I certainly will do so...
@ersmommy1 (12592)
• United States
22 Nov 09
Oh I am so sorry. But you have a wonderful attitude. I hope things look up for you soon. I have never had to face forclosure myself.
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
thanks for responding ersmommy1. I'm so glad that you have never had to experience any of this. My wish would be that no one else ever have to go through this. Leenie
1 person likes this
• United States
22 Nov 09
Oh, Leenie! I'm so sorry! I wish I had an answer, but I'm well employed and having a really hard time getting the payments made...
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hey Jo, I wish you well. You have had your own problems to deal with. I have always wished I could help you, I still do. So, don't worry about me, I'll be just fine. How is your mouth? Hugss Leenie
1 person likes this
@cynthiann (18603)
• Jamaica
21 Nov 09
I've been through many crisis but never have had to leave a home. I cannot tell you how sorry I am and from I read this yesterday I have prayed for Our Lord to help you. Bad things do happen to good people. I do hope tht you have a place to go to? I really pray that you will find a way out of this mess. Blessings
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Thanks for your prayers Cyn, At this point I really don't have a place to go but we will keep trying. I'm prepared to sleep in the truck if we have to. It may not run but we can sleep in the back if it doesn't rain. With all the prayers we are receiving, there will be an answer for us eventually. Thanks again Cyn. Hugs Leenie
1 person likes this
@CatsandDogs (13964)
• United States
21 Nov 09
Oh leenie sweetie! You had told me about this once before and I never got around to responding to you on this issue but I want you to know that it has touched my heart in more ways than you'll ever know! I'm sooooo sorry!! I really and truly am sorry!! Do you go to church? Maybe someone at your church could help you out? The reason I say this is because, when I was married the first time, there were times when we couldn't pay our rent and I had to call around to different churches to get help and every one of them helped me regardless of the denomination for it didn't matter. Maybe if you did that, you could find some help. Please send me your address for I'd like to send you a little something to help you two. Don't be shy, I want to help so please send me your address!! You've been a dear friend to me so please, let me be a dear friend to you!!
2 people like this
@leenie50 (3992)
• United States
21 Nov 09
Mary Beth, I love you to pieces but you have your hands full with your parents. I will send you my address just because you asked but you know that your friendship means more to me than anything and I wish you and hubby and Mom & Dad well. You have such a good soul and it shines from within. Big Hugs Leenie
1 person likes this
@carolbee (16230)
• United States
21 Nov 09
I am so sorry. Love your attitude. So many people are suffering though this economy mess. We are very fortunate since we are stable and my husband is still working. Bless you and I will be thinking about you both and praying your life changes and things will be better.
2 people like this
@leenie50 (3992)
• United States
21 Nov 09
Hi Carol, Thanks for your prayers and well wishes. I believe that having my friends here at Mylot sending positive thoughts and prayers is what will get me through this last( I hope) phase of this nightmare. Like you said, so many people are suffering, too many people are suffering with the same. My heart goes out to each and everyone of them. This whole scenario is not right. Americans should not be facing these situations. Hugs Leenie
1 person likes this
@Opal26 (17682)
• United States
21 Nov 09
OMG Leenie! I had no idea that things had gotten so bad! I didn't know that you had gotten to this point! I am having so many problems with my own Disability situation and them wanting me to PAY them $447 a month for Medicaid that I have not been able to breathe myself! NYS Law is even more screwed up than Florida! What are you going to do? Where are you going to live? I am so sorry! I will email you so we can talk privately! I am so sorry again that I waited this long and didn't know all this was going on! Why didn't you say something before this? Hang in their Honey, someone, somewhere is going to help us both! Love, Leslie
2 people like this
@leenie50 (3992)
• United States
21 Nov 09
Hey Leslie, I don't know where we are going to live. I'm using every moment I can spare to googling any possibilities and talking to whomever I can get to listen, just to learn of any possibility that might be out there. And don't be sorry about not emailing. We both have been working hard with our own problems. If I don't hear from you before I finish these responses, then I will email you. Hugs Leenie
1 person likes this
@bhanusb (5709)
• India
20 Nov 09
Surely you can be hopeful.The sky does not always remain gloomy. Once cloud will be removed from your life. Again you will enjoy sunshine. Hugs bhanusb
@leenie50 (3992)
• United States
21 Nov 09
Hi bhanusb, I am hopeful. There are worse things to happen than losing a house. Don't get me wrong, this is not something I would have chosen but I think you understand what I mean. My main worry is how we are going to be able to afford the rent of an apartment. But with God's help, everything will be ok. Leenie
1 person likes this
@dorannmwin (36620)
• United States
20 Nov 09
I am so sorry that you are having to go through this. I know that it is difficult because I've seen people around us have to go through the same thing. The most recent example of it is our next door neighbors who are losing their house after 26 years. You are lucky to have a somewhat hopeful outlook and I know that because of that optimism, there are better things coming for yourself and your husband. Keep your chin up, know that you are being prayed for and I'm sure you will quickly find a place to live.
2 people like this
@leenie50 (3992)
• United States
21 Nov 09
Hi Dora, Thank you for your kind wishes. How awful for your neighbors. We just passed our 3 yr. mark here and I just can't imagine losing your home after 26 yrs. My heart really goes out to them. I'm thankful that my Son and my husbands Son are grown and out of the house. Thanks for your response. Leenie
1 person likes this
• United States
20 Nov 09
I sorry to here that but the attitude that you have is very positive. I was there last year around this time with my apartment. Actually it happened right after Thanksgiving. Where I live if you have an eviction under your belt rental agencies can refuse to rent to you for a year. But my husband and I didn't stop looking until we did find one that give us a chance and we didn't disappoint them since they open the door for us. I feel with the attitude the positive attitude that you have the same will happen to you and your family. Blessing
@leenie50 (3992)
• United States
22 Nov 09
Well mom, I'm so happy for you that you found a place to live. My hubby isn't working yet and our only income is my disability income. I just keep praying he will get a job soon. But I don't intend to give up. Thank you for your blessing. Leenie
@jennybianca (12912)
• Australia
20 Nov 09
Im very sorry this is happening to you. I have not had this experience. Why did your hubby only receive unem,ployment benefits on & off? Im from Aussie, so our system may be diifferent. Garage sales are a good idea. Where are you going to live now?
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hi Jenny, The way they dish out unemployment is they give them like 3 months in the beginning and then give them an extension for a few more weeks. Then cut them off. They don't care that they still don't have a job and that his wife is disabled. Then maybe a few weeks go by and the government ok's a few more weeks. We have no idea where we will go from here. But thanks for asking and responding to my discussion. Leenie
@mikeysmom (2091)
• United States
20 Nov 09
my heart goes out to you and your family. this is such a sad state of affairs and so many people are in the same boat. we are living on the edge too and pay check to pay check when there is even any work. i work night and day, 3 jobs from home so i can also care for my son and be a good mother. my husband is self employed and work can be scarce at times so we get behind and then we just cannot catch up. we still do not have enough to pay november bills and we are already getting december bills. it is very discouraging. my best wishes to you and your family.
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hi Mom, My heart goes out to you as well. How old is your Son? Have you looked into financial help? You might be eligible for food stamps and other things. I know what you mean by the bills. We have had electric, and water turned off before. If you need any help, don't hesitate to ask. I hope I can help you out. Leenie
@guybrush (4660)
• Australia
20 Nov 09
Leenie, you have incredible spirit and an admirable attitude. Blessings and love to you and your family, and I hope things start looking up for you soon - you certainly deserve it. I've been having a whinge lately about car repairs, things breaking down and other family problems - but at least we still have a roof over our heads. You're right - none of us should ever give up. Bless you. xxx
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Thank you so much Sweetie. Thank you for the up lifting words and kind thoughts. It's funny, first my car breaks down and then my hubbies truck and then other things start having problems. Like they say when one thing breaks down, everything else follows suit. Bless You Too and big hugs Leenie
@mimpi1911 (25466)
• India
20 Nov 09
You are a bliss darling and if you don't know yet, let me tell you that you have elevated me from the trash time and again. You have motivated me to face the world no matter what. So, the optimism is most obvious and I am sure you will overcome the phase as gracefully as you had been. Love and huggles.
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hi Mim, What lovely things to say to me. I treasure your words and the love behind them. Mim you have always spoken loving and kinds words to me and I want you to know that they are truly appreciated. I will be fine no matter what happens. As another friend stated, everything happens for a reason. I know that I have grown to be a better person because of it. So I don't regret what has happened. Hugsss Leenie
@lindiebiz (1013)
• Canada
20 Nov 09
Hi, sorry for what is happening to you. Keep up the faith I pray that God helps you and bring something good your way. Wish you sucess in your garage sale
2 people like this
@leenie50 (3992)
• United States
22 Nov 09
Hi lindie, Thank you for your prayers. That is most important to me. Also thanks for the best wishes with our garage sale. Leenie