Family has had several medical problems since Aug.  They called mortgage company when the first payment would be missed, the mortgage company said that they couldn't/wouldn't work with them on interest only or partial payments - now 4 payments behind they are faced with foreclosure.  They have a child with a handicap who is on a breathing machine, has a heart condition, one kidney and various other medical issues.  Two other children also in home (no disabilities) but mom is on temporary/permanent disability from work.  What can they do to not lose their home.
130910
www.naca.com\n\nIt's a non-profit housing advocacy group, they might help.  Good luck
220461
If your husband has a steady job and your previous credit is fairly good, then you might want to try one of the credit companies like Capitol One for instance or HBC.  The interest rates are huge but they can usually find a way to put all the different debts together and spread it out over 25 more years to keep the payments low.  This was an option I took a a number of years ago during a renovation that went bad. Hopefully you can sell the house when completed if the amount you sell the house for is more than the debt and start fresh, getting rid of the high interest debt. It sucks to sell what you have worked so hard for but it is just a house.  The credit companies will sometimes let you pay the total debt without penalty if you sell the home and then you haven't paid much high interest anyways.  I understand the devastation and hopelessness of being in what seems to feel like an out of control situation.  You have to believe that life can get better just as quick as it went wrong.  If your only option is bankruptcy, so be it,  do what you have to do to make a stable home for your kids.  Just take control of the situation, get a few opinions and start sleeping again.  Banks run like sissies when you need help yet they are the first in line to bankrupt you in the first place.  There are reputable companies around to help people like yourselves in this tight spot.
136114
Ours has been discharged now for about a year and a half and we are in the process of purchasing a 4 bdr, 2bth home. So far we have the home but are now looking for a piece of land to put it on. All we had to do was show proof of discharge and what all was paid off in it. Since you have no money to put down I would check around and find out what ya had to have down. If you had to have a down payment I would try to get a co-signer, or look into FHA, HUD or Section 8 or any Government loan programs to see if I could get help from any of them. Good luck and wish ya the best..... :0)
255000
I read the rest of your other question and you definitely need an attorney asap! Your attorney can find out who her attorney was by a click of the mouse. Your lawyer can put in an order to have EVERYTHING frozen until you guys go to probate court. It is a really long process it can take years sometimes, but he will be ordered not to do anything with any of her property or else he will have to answer to the court. Also, if he sells any property before any paperwork can be filed, your people can find it. We are going through a similar situation and the judge has seized everything from this family member and there is at least 36 million sitting in an escrow account waiting to be disbursed. They had bought houses and property for their own kids and they have tracked down every financial move she has made over the last several years. This has been in court for around 3 years now. No matter what type of property it is, probate court always takes time.
577652
Hmmmm...  this could be a little tricky with out insurance....BUT...  there could be ways on working around that..   there are free hospitals (if living in the states) suggestion is to try one of them.....  the wait maybe insanely long but you would not need the insurance.....  just bring a very good and long book to read..  also you can try to contact any hospitals administrator and let them know you need medical attention but can not afford it..   ask if they can help..  some times they have programs to help people without insurance..  really ask about this one..   they even might be able to work out some kind of payment plan or they just might pick up the tab altogether..  in any situation for just about anything sometimes the easiest thing to do is to ask for help...   someone somewhere will always help..  if you can not find help in your area...  look elsewhere..  but keep trying..  take care..
408277
Contact fannie mae (www.efanniemae.com)  they have recently added some programs for their MyCommunityMortgage thing that is meant to help people like yall.  I work at a mortgage company and we have been able to get people in homes when they had bad/nocredit no savings no down payment no assests. Youd be surprised what you can get if you go through the right lender. good luck!!!
60030
A mortgage company can’t discriminate based on you getting your income from disability.  In fact, most mortgage companies are very comfortable loaning to someone w/ a fixed income because they know that your income isn’t going away due to job loss or anything like that.  In some cases they will loan a higher percentage, because you have an unchanging income month to month.
259414
I have had a devastating illness in the family. I am a Citizen. I did NOT receive help for my son. Just a kiss off. The programs are bloated with people who should NOT even qualify but by false documentation or the rules of that state of not being ALLOWED to ask if they are legal citizens take away from the LEGAL CITIZENS who have paid into the system for years. I know I am blessed my son is still alive there are sooooo many others who have lost their child through inadequate medical care due to money constraints.
43925
I provided a link for the free credit report from the government. As for your medical bills. Call the doctors and explain to them your situtation. Some doctors are known to reduce their bill and sometime even write them off. If your bills are with a hospital, call them and try to work off a payment plan. The best way to do this is to sit down and write a budget for the month. Make sure you list your home, food, and utilities first. Next, car and gas payments. Then other bills, like daycare. Make sure you have all the money going towards something. Just be honest with them and tell them you want to do the right thing and pay them. They should be able to work something out with you.
518490
Check with your lawyers, but if the buyer's mortgage is ready and they are able to close, you may have to go through with it. I have had situations though where the contract "expired" and the sellers backed out without any penalties, citing that the expired contract no longer bound them to sell the house. It's very tricky to get out of a contract, so make sure they talk to a lawyer, otherwise they can be sued for specific performance.
342313
i currently work in loans at a bank, and along with her mortgage she can also get a home equity if she has equity in her home, buying for less than the property value, also need to check for covenants to add on to her home, there are lots of options out there, maybe she needs to get a second opinion from another bank not involved if the current one doesn't want to help. good luck!
425148
Go to legal aid on Monday with your copies of all the papers including the receipts for payments. You may end up owning the mortgage company if all you say is true. I wish you the best of luck.
583308
Foreclosure is not right or wrong for a Christian. If a Christian can prevent it, he should. Is the 'loan Service Co.' being fair according to their contract? If so, then the family should move or at least try to sell and work it out. If this company is what is known as a 'predatory lender' then the family should hire a lawyer and sue them in Court.
479769
You're really not that low as you might think! Your problems can be fixed with better mobility. I thought you were going to say something about losing a limb, or becoming paralyzed or something! Getting a divorce and never seeing your kids.  Getting 3rd degree burns all over and recovering.  I think the military is a perfectly acceptable option for getting your life together.  We recently took in a young man who due to a variety of mishaps, had lost his drivers license, and then was kicked out of his mom's place by her new boyfriend.  He was sleeping in the park when my daughter (his h.s. friend) found out. He is in boot camp for the Navy as I write this.  He gets a stipend while he's in there, room and board and food, and he also will receive a $20,000 cash bonus in addition to the $8,000 he will have for school each year.  When he returns next month, my husband and I are going to help him find a small apt, and help him to find a decent running but cheap car.  (He's a Reserve)  So you've really got to choose your options better, or it sounds like you'll be stuck at mom's!
202494
If the house was paid for with community funds, she has a case.  (A case, not a sure victory.) There are lots of possible reasons (for instance, it may be that in using community funds, it is a breach of the contract, so the house is community property -- or it may be that the agreement would be found unconscionable, esp. if she had no legal advice prior to agreeing), and lots of facts that cannot be determined from your question.  But she should consult a lawyer.
611438
I will keep you and your family in my prayers. Any time one has a major surgery there is a chance of not making it through the surgery My mom,in 2003 went to her doctor(regular visit) and he sent her to the hospital they ran the usual tests and told her they would not release her,that she had no choice but to have a quadruple by-pass.So she did,she came through the surgery fine. It took a few months for her to regain her strength,she never seemed to recover from a deep depression.18 months later she died peacefully in her sleep.What concerns me,the quadruple was a fairly new venture in heart surgery at the time.Within 6 months of her surgery,her boyfriend was told he needed the same surgery.and one month later mom's younger brother was told he needed a quadruple by pass.at the same time  a friend of mine had the surgery then the doctor tells his wife she needed the same surgery a month or so later another friend of mine had to have the same surgery!These people live in different states But...they were all on social security and medicaid or medicare.There may not be any connection or anything.But it just strikes me as odd that all these people I know had to have the same surgery.I have even wondered"were these doctors using these people as guinea pigs for practice? My Mom was 70 when she died.There's no doubt that many people need this type surgery.Maybe I am just being paranoid!I guess I am still very upset at the fact the doctor said the surgery would add 10 to 15 years to her life.Her death was totally unexpected.She was not complaining of pain or feeling sick or anything. I pray your Grandpa will have a good out come on his surgery!
268302
Seems cruel and unfair but if you don't keep up payments on a house, then you either have to sell the house or the mortgage boys'll take it away.\n\nWhy on earth didn't this person sell? If they'd been paying for it for ten years then at least a third would already be paid off! They could've sold up, paid the mortgage off and had enough left over for a sizable deposit on something small once they'd got back on their feet again. I don't know the story, but it sounds like madness to me.