Help! to get back on track financially after HR Block/Option One finished with us?

Question

We experienced a house fire in Dec.05, we had additional expenses putting our life back together, helping my elderly mom and adult children trying not to sink as well. We had an existing loan through Option One (now partnered with H&R Block) they were going to help us. They helped us alright, they charged us $30,000.00+ for paying off their loan with their company and then charged us all the fees for the new loan with company and then we had very little to pay only a portion of some bills; they did succeed in lining their pockets and making our payment even higher,now we are holding onto to life via a straw, because they have us so buried we can't see out. We both have solid work records, solid income and now we are ruined and deseperate for someone to help us find the way out. My health can't stand much more stress, does anyone have an idea of who we might talk to that is honest&would see us for who we are (our life is an open book) and perhaps help us with sound advice?

Answer 1

Wow, we didn't have it that bad, but I know how you feel about Option One. We were finally able to refinance with Countrywide, and now Option One keeps calling to try and get us back, never. Just don't give up, things will get better. Our problem was that my husband became disabled and we had to live on one income while we waited two years for Social Security to approve his application. Hang in there, keep your chin up. There is light at the end of the tunnel. You might try a mortgage broker who can shop around for a better loan, but you still end up paying fees and closing costs.
good luck!

Answer 2

If it wasn't for you i could be wealthy my life might run without hitch the vehicle I tension could be sort new not held collectively with string and glue my holidays could be in Spain not Blackpool interior the splatty rain my outfits might all be adapted manufacturers not charity shops and 2nd palms yet is it good to be so sore..? who's in charge,why are we unfavorable..? married whilst we the two have been youthful young ones and loan got here alongside and so........is all of it so undesirable..? nonetheless collectively.....mothers and fathers what might we do,our time back..? i assume we d do the very comparable.....