I need prayers and positive vibes this month... BADLY!!!!

[sasmeow]

I need everyones help get me through this next month. I am so scared!!!!! This is beyond anything I have ever gone through. I might lose my house  I LOVE my house. It all started back in September when I forgot to pay three months of mortgage payments prior to September. I got a letter in the mail that my house was in foreclosure. I called my mortgage company to see what I could do. So, they let me apply for this program, where they basically let you catch up on your late payments. I waited and waited, called and called, and I never heard anything. They kept telling me that I should get a packet in the mail. Then with the holidays I guess it just left my mind. So, the beginning of January, I called again. They said that my file was CLOSED!!!!! What the heck!!!! They said that they think that my file may have been lost, with thousands of others. They said during the month of September they had several new programs going and so many people applying that some applications just got lost. I was so pissed. But then they said I could apply again. I told them I was scared since I did this before and never heard a thing. The guy reassured me that he didn’t see why I wouldn’t get approved. That made me feel a little better. He told me my sale date on my house was February 23rd!!! I talked to him early January, so I was only slightly freaking out. I thought I could get approved for this and everything would be okay. So, I called today to see if I was approved or when I would hear something. The lady was kind of rude and told me it takes 30 business days!!!!! That will make it like Feb 20th before I might hear anything!!!! I am freaking out big time. I just wish I wouldn’t have gotten behind. I lost my dad in July and I am sure that added to why I forgot to pay my payments every month. Anyway, my sister lives with me and I haven’t even told her yet. And I haven’t told my mom because she will totally freak! She will make me feel a million times worse. I think my mom may be able to buy my house and I could pay her, but I don’t want it to come down to that. I don’t want to be a huge failure, I don’t want her to own my house and have that power over me, I don’t want to deal with her telling me how dumb I am, etc, etc. I was hoping I could just work it out on my own. I have decided that if I don’t get approved by February 15th, I will have to tell her. I don’t know if that will give her enough time or not. It’s so scary! I wish I would just hear that I got approved and it will be back to normal. I can’t sleep or study or anything. And if I lose my house, I have no where to go. My mom already told me I can’t come back there. And I can’t find a house or apartment to rent with all my pets, and I will never, ever give them up.
Please pray for me that I get an answer soon and it will all be worked out in no time!!! Any advice would be appreciated to.
I plan on calling them again tomorrow and asking who I can talk to so that I can get the sale date pushed back.

[kathysboxer]

I am so sorry that you have to go through this. I had a house foreclosed (due to divorce) but not really any advice. I would be talking to a supervisor or a higher up if possible. Is this a "small town" bank or one of the big daddies? A small town bank may be willing to work with you more. I don't know if talking to a lawyer would help any. They could give you advice on what to do. There are foreclosure lawyers who deal specifically with that. I would ask a supervisor about making some type of payment if possible. If you can get the payments current, they cannot foreclose as far as I know. It's alot of money I'm sure. Can you possibly get a loan through another bank to make the payments? Not sure if that's legal or not.
I will definately be saying some special prayers for you. Wish I knew more of what to tell you. Do you have a really good reliable friend who may be able to help you out by buying the house instead of your mom? Just an idea. Or even another relative? Just make sure you get things in writing so it's legal that you can stay there. Everything in writing!!!

[caruse]

OMG!! I am so sorry! This really brings the reality of these times to the surface...I don't know what else to advise you except to keep doing what you are doing....I can send you all good thoughts and support....please let us all know how you are doing...Barbara

[SweetCody]

I don't have any advice, but I do have lots of prayers going out your way. Good luck, I hope you hear something soon.

[joeys mom]

Sorry you going throught this Plenty of good luck vibes are coming your way! These are very tuff times and everyone is feeling the impact in one way or another. Hang in there and be very presistent with calling everyday and insisting to talk to someone! If that someone doesnt give you the information you need ask to speak to their manager/boss. Let them know with the tone of your voice that you are serious and trying to get this behind you. Good luck and keep us posted!!!!

[RolenKisses]

I'm sorry you're going through this. My prayers and thoughts are with you. I hope you hear something soon.

[LILYLARUE]

I have been in your situation a few years ago. In this economy, they dont want to take your house, trust me. They want the payments caught up. I too felt the same way having to ask my parents. But you have to suck it up and do it. If your Mom can buy the house, then she can loan you the monies to get the payments current. I know to catch up now is thousands more than you owe at this time, but it's still a lot less than having the house sold out from under you and then owing the Mom for who knows how many years.

Admitting that things got out of control and you didn't ask for help cause your Mom taught you to be "independant and responsible" is what us kids do! Most parents bail their kids out one way or another. Admitting you need help is not of any difference than half of the country right now. We all have tragedies and I don't think your Mom would condemn you for it. She may suprise you by your adult recognition that you still need her and still have things to learn. At 42, I know I still do. I just wish my Mom was still here to support that security.

[beausmommy]

I'm so sorry to hear that you're going through this after losing your dad and all the trouble with Gus' health. I don't have any advice but I hope you get some answers soon. Keep us posted. I'll keep you in my prayers!

[boxmom]

Really sorry to hear about your house troubles. You might also check your state government's web site. I know in Illinois they have some programs to help out because of the bad economy, perhaps they have similar programs in your state. You have had a bad couple of months, and I really do hope that your luck will turn. You deserve some good luck!

[Gruntsmom]

Keeping you in my prayers, and sending many hopeful and positive vibes your way. My advice is every day, call someone, talk to someone who is involved with your situation or who can help you with it, and keep a log of all your calls, contacts and activity - get names. You don't want to be lost in the shuffle again, you don't want to be put on the back burner. Good luck, and keep us posted.

[TysMama]

From one Ohio gal to another...be persistant and be wise enough to ask for help if it comes to that and your Mom is able. It wont be for forever and you'll be back on your feet before you know it..positive thoughts comin your way

[tastubbs]

Seven years ago I lost my house and my parents bailed me out. It was so humbling. But I got back on my feet as fast as I could, paid my parents back, and our relationship is the better for it. You can get through this. My thoughts will be with you.