I'm on SSI. My Mortgage Co. is raising my house payment $200/mo, to pay my $600 taxes. I Will Lose My Home.

Question

My property taxes for $600, were due Feb. 2007.
I did not have the money to pay them.
I tried to refinance my house twice (in Feb & March)to pay the taxes and get a better interest rate. I was refused, because of the housing market. (Basically, my house appraised $40,000 LESS than it did, 6 months before...And this was WITH the $25,000 main bedroom & office addition that I paid cash to do! My life savings were used to do this addition. I considered it an investment into my property).
I asked my mortgage co. to put my taxes into escrow (I did this so my taxes would be paid & so I wouldn't lose my house.) It took my mortgage co. 4 months to do this.
I EXPECTED my house payments to rise an extra $100 a month. (It would be hard, but I would do it, until the market got better and I could refinance).
Yesterday, I called to ask why I have not heard anything on why my payments have not changed. I was informed, that my payments would be going UP $200 a month starting Dec.1st.

I cannot afford this. My income is $891 a month. They want to raise my payments to $720/mo. (payments were $517 w/o taxes & ins).
I am on SSI. I was told I should get some type of tax relief. I have seen none. I talked to my tax assessor in march, she told me I was a month late in asking for relief. They cannot help me.
Someone please tell me what I am supposed to do? This house is not worth a $720 a month payment. It is a dump. But I have been renovating for 4 yrs and its my blood, sweat and tears...and it's my home.
I have had thoughts of suicide. Torching the house and going to prison. I am so distressed over this. I can't understand how being a few months late on $600 taxes could result in taking $200 a month more in house payment!
I would have sold my body for $600 if I knew they were going to do this to me. I think I am being scammed by Chase. What do I do?

The addition was done June 2006. I expected to refinance in Feb. w/ no problems...I was wrong.

I have a back disability. I've had 2 back surgeries and chronic pain for 10 yrs. I can stand and walk, limited (but I am a fighter and do as much as I can). I have been in physical therapy for 3 weeks and it is helping, but I will never be totally well. If I could get a job that someone would accept my disability...it would help tremendously. But people view me as a risk because I can't stand or sit for more than a few minutes. I am single.

I like how you say I took YOUR tax money! NO, I EARNED every cent of my money. The reason I am disabled is because of working hard all my life! Ask my doctor why I am disable, because I believe it was his error too, but hard to prove. I don't need judgement. I have integrity and have lived that way my entire life.

I would sell the house, but would never get the price to pay it off. I am in rural Michigan. House appraised $120,000 Nov. 2006
Appraised in Feb. 2007 for $74,000
I owe $63,000.

Answer 1

Wow.

To those who are sticking their noses into your disability business, they can SHOVE IT.

Remember to call United Way in your area for financial help from churches, etc.

Also: Remember this... There is what is called the ADA, i.e., Americans With Disabilities Act.

Employers may NOT discriminate you based upon your disability if you could perform duties stated in job description.

Please get help with your depression.

I'm on ssdi for mine.

Answer 2

You have my deep sympathy and understanding. Now that that's out, let's get down to solving your problem. If you are on SSI, whether you know it or not there are some options for you. Go to your local Department of Human Services and talk to your caseworker. They may be able to help some. The tax assessors are rather rigid. If you missed the deadline, there is little that can be done. I know this is going to hurt but you may be facing the sale of the property. That will get you out of debt and you may be able to earn enough equity to purchase another home with lower payments. There are lower rates for disabled and elderly on SSI.

In the mean time you have to survive and keep up these payments. You could approach family members. You probably don't like to do that or you may not have much family. Then, contact your local Council on Aging and see if they can help. There is also the Masonic Lodge. They help many people. If they do not have a service that can help you, perhaps they can give a referral.

Last but it should be first, go to a doctor for your depression. Your thoughts of suicide are a sign you need some help in that area. When you feel better, you will be able to handle things. Good luck and God bless. I'll pray for you. E-mail me if you want to talk.

Answer 3

SINCE YOU ARE ON SSI AND A LIMITED INCOME GO TO THE TAX ASSESSORS OFFICE AND FILL OUT A HARDSHIP PAPER.
THIS WILL REDUCE YOUR TAXES, OR SHOULD.
HOMESTEAD HOUSE AND SHOW SSI CHECK.
LIMITED INCOME ANOTHER SPECIAL BRACKET.
YOU CAN PAY THEM THE TAXES EACH MONTH . (ABOVE WHAT YOUR ESCROW IS)
THEY WILL WORK WITH YOU ON THIS PROBLEM.
ALSO IF YOU ARE ON SSI AND OVER 60 YOU MAY BE ELIGIBLE FOR ANOTHER TAX DEDUCTION.
THE FACT THAT YOU DID NOT SAY YOU WERE MARRIED OR SINGLE IS ALSO ANOTHER FACTOR.
CANCEL THE LOAN.

Answer 4

Sell stuff on Ebay to raise the $600. Sell Anything, or get a credit card with a $1000 limit and borrow off of it.

Answer 5

What about getting a loan? Why are you on SSI? I think maybe you should have saved the Tax money out of your home improvements. I know what you are going thru, except my taxes are way more... about $2000.

If you are able to work, maybe you need to get a job. I don't know what you are on SSI for, but you would probably make more working if you can.

Answer 6

you dident say why you get ssi...and why cant you work??if you can work on your house you surely can go out and work.instead of taking my tax money.thats why they keep raising our takes.sell the place and rent like i do..i work and i cant aford too buy a place so why should you be able too buy a place on my tax money??go get a remoding job.