single mom needs finicial help to keep house?

Question

two teenagers. laid off for awhile.back to work now but in finicial distress. want to keep kids home. tried credit council but they want money also. applied for aide to not quilify

yes i can spell to the jerk who wrote back. yes i am a single mom of three have two jobs and never got child support. its to bad the michigan economy has been bad for those of us trying to get by. thank for your help!

Answer 1

Go to a different credit helper place. I think that there are a variety of ways to help, and you should certainly get another opinion.

See if your current mortgage company can help.

When I was in a similar situation, I had an enormous fear of losing my home. I couldn't figure a way out, until I finally realized that losing my home was a heck of a lot worse than selling it! Then it became a solution, rather than the cause of my desperation!

To be honest, it didn't work out for me. I became very ill just after I sold it, spent the money (mine was a mobile home, but I lived off that money for quite a while), and seven years later, I'm as poor as I've ever been!

But those circumstances were specific to me, and chances are, if you sell your house, you can get into something less expensive. The kids will be gone in a few years, and you won't need as much house then, anyway.

Keep calling helper types, though. I mean, take an afternoon and call every agency, charity, and community organization you can find in the phone book (In the US, Salvation Army and Catholic Charities are good places to start. If they can't help you directly, they'll be able to help find someone who can find someone . . .you know what I mean.) Then call the people they tell you to call. Call your utility companies, and ask if there are low-income rate reductions. Call women's shelters, and ask if they have financial councelors. Keep trying, and make doing this work a weekly obligation, keeping a notebook containing the information you get, by organization, until you figure something out. It's disheartening, depressing and downright hard, but if you find any program that can help you, it'll take the pressure off for a long time. Keep the phone bill paid!!!

The hardest part is figuring out which direction you need to go, and then taking steps to get there. There are LOTS of groups that can help with the figuring out part, if not with the money. Think how much easier your life would be if you had a concrete plan, instead of fear and desperation!

Even being dirt poor, as I am, is better than that feeling. Seriously, the "worst that can happen" turned out to be not so bad. And I am deeply happy. We eat more beans than we used to, but my stomach isn't tied in knots nearly as often!

Answer 2

If you have tried everything you could to keep your home, but none seem to help or work, you should think of a plan B. I know its hard but sometimes, its for the best. I think you should let go. Sell the house. It doesn't seem smart to me to pay a debt with another debt. I know you want to keep this home for your kids but right now, it seems impossible to do that without out taking out another loan and you should think of another way to keep you head above the water. If you have stocks, sell them. I would would sell whatever I have to keep my house because I don't want debt pile on top of other ones. Its hard to do so but in the long run, you'll still have your home. Try asking family members that are well off, for a loan. If you take loan from somewhere else and don't pay it on time, your digging your self a hole here. Thats why I said, sell the house and pay off ALL your debt. Your boys are not old enough to own their home anyways, and they should be thankful theres a roof over their heads. Sometimes you gotta do what you gotta do. Everyone wants the best things for their kids but, if it meant putting you in huge debt, I wouldn't do it. There are other opportunities in the future and we all need to impove our credits. Its also sets a good example for your boys that being in debt, you're a slave to somebody else. You don't really own what you have until you pay the full price. Live within your means. I hope you'll find a way to solve the problem and it won't have to come down to selling your house.

Answer 3

Call Consumer Credit Counseling. They are non profit and will NOT charge you except monthly when they make your payment they will charge you for postage but it is included in your monthly payment.

Also, you say you have 2 teenagers. If they are old enough to work, have them out there working and help contribute. That may not be an ideal situation but that is the life they live.

Answer 4

What kind of aid did you apply for...? If you have no income coming in you should b be getting government assistance... Do you have a job..? Are your money problems because of credit cards...? I'm not trying to be rude but I might be able to help if I know what the situation is...

Answer 5

Have you tried getting a romate?Romates.com is a good place to start.If you need free help call David Carley at 1-800-481-9791Ex 2202

Answer 6

Single Mom,

I am not sure of how much of a loan you need but you can try going through prosper. That is a website where lenders compete for your buisness. Go check it out. www.prosper.com

Answer 7

you can get help from the state you live in if the kids father isn"t helping you can get state assiance they also can make the kid or kids father pay you child support i know its hard to rise kids on your own my daughter is doing it go to family planning see how they can help if they cant they should tell you who can help you keep your house good luck

Answer 8

If you have a spare room in the house try renting it out to a tenant.

Answer 9

i don't now how to help you except to try to help you earn extra income so you can be able to get more money to help. If you would be interested, I can tell you, just contact me at bowenquarterhorsesandpaints@ya.

Answer 10

get some knee pads and go out and suck up some work. The pay may not be that great but at least you will have something warm in your belly.