I am in desperate need of help. Things are getting worse by the day. I have always helped others (thats what started this mess incurring medical bills from an ex), work fundraisers for St Jude now I need help and there is none. I have no family..only child, mother deceased father hasnt spoken to me in 12 years and wants me to lose everything. Public assistance cannot help because I "own" a home and vehicle. They dont consider mortgage or car payments I guess.
My mortgage became adjustable in Oct and went from $850/mo to $1250, I started to fall behind and behind on property taxes which they paid and now escrowed my mortgage. payments are now $1650/mo nothing included..I couldnt afford that when I was working.
I lost my job in January due to the economy and Unemployment pays $289/wk. I am falling farther and farther behind daily. Attempted to refinance but cant with bad credit, and no income. Tried modification and was ripped off my 2 agencies..now I am out $2200 and no help. Foreclosure has begun. I need serious dental work done but cannot afford it, I am now clinically depressed and will lose everything.
I am looking for a loan not a hand out. $180,000 would pay off my mortgage and get them off my back and a little extra for dental work (I owe $178,000). I can afford up $700-800/mo as a repayment. I have lost everything else in my life I cannot lose my health and my home too.
