Financial help anywhere??Please help 
Author Message
 Financial help anywhere??Please help

My home is in foreclosure thanks to my lyme for the past two there
any organization that would lend or help with funds that anyone knows
about..Red Cross etc.

thank you

Tue, 06 Jul 2004 21:27:40 GMT
 Financial help anywhere??Please help
here in NJ one can get help w gas and electric bills thru a program called NJ
Energy Choice....  they work with several charities such as Catholic Charities.
There was money available for people who were Jewish at one JCC....  Try making
some calls to such places and perhaps you'll come across something.
We have had our home up for sale to pay off all debts. I know exactly how you
feel... we have run out of funds also.
LYME SUCKS                    good luck

Tue, 06 Jul 2004 23:45:35 GMT
 Financial help anywhere??Please help
Try your county- they have stop-gap programs sometimes to save people from
losing their homes-
Best wishes,

Tue, 06 Jul 2004 23:56:01 GMT
 Financial help anywhere??Please help
You might find something at this site that will help.

Wed, 07 Jul 2004 04:57:55 GMT
 Financial help anywhere??Please help
Ive had lyme for 10 years now and its pretty much left me in total
poverty. I cant even afford to own a car. I've got a motorcycle because
the insurance is so cheap but I'm usually to sick to ride it *shrug* I
don't know of any organization or anything. I can't even get disability.
I got on public assistance because my hospice nurse called them up and
demanded some help. But one of the requirements to get it is you have to
work ,if I could work I wouldn't need it, luckily I've got very nice
people at DVR trying to help out with that.

I do know that Social Services here in NJ has a program to help out if
you might get thrown out of your residence but the requirements are so
hard to meet I think the limit for the households total monthly income
is $300-$700 or some such figure no mater what your expenses are. And
it's only temporary like 3 months worth of assistence.But it might be
something to look into or mabee they could send you to the right place.

Anyway if anybody's got other info I'd be interested as well.

P.S. Lyme sucks.



> My home is in foreclosure thanks to my lyme for the past two there
> any organization that would lend or help with funds that anyone knows
> about..Red Cross etc.

> thank you
> John

He who dances with Mr Death wears very heavy shoes.

Thu, 08 Jul 2004 11:41:41 GMT
 Financial help anywhere??Please help
You are right.
Sometimes we realize that our nice western societies aren't so nice after
When you don't have parents or friends to take you in and buy medicine for
(that is more common in poor countries) You are forced to work to survive,
even WITH Lyme.
I was a zombie at my work for half a year, but I managed because it was a
sitting job,
and I had a lot of routine.
I remember that moving an arm ever so slightly would result in an extremely
high pulse,
like jogging. Standing for more than 1 minute was imposible.


> Ive had lyme for 10 years now and its pretty much left me in total
> poverty.

Thu, 08 Jul 2004 20:29:52 GMT
 Financial help anywhere??Please help


> You are right.
> Sometimes we realize that our nice western societies aren't so nice after
> all.
> When you don't have parents or friends to take you in and buy medicine for
> you
> (that is more common in poor countries) You are forced to work to survive,
> even WITH Lyme.

Yeah there are a LOT of people in this country that are actually no
better off for living here and like you say if you have no family or
anything your screwed. I've got a friend who is a single parent works
over 40 hours a week in construction, but can barely afford to survive
and only eats 1 meal a day etc.  It's ridiculous. If it wasn't for my
mother taking in myself and child (she's got a dead beat father to top
it off) I would be in a card board box or, more realistically, dead.
Seeing posts from people like the one lady with no one to help her just
brakes my heart.

> I was a zombie at my work for half a year, but I managed because it was a
> sitting job,
> and I had a lot of routine.
> I remember that moving an arm ever so slightly would result in an extremely
> high pulse,
> like jogging. Standing for more than 1 minute was imposible.

I can relate to that!
When I was on bilcillin shots I was doing a little better and got a job
in retail but it was such a burden on me physically that eventually I
worsened again got fired because of my condition and now I'm worse off
than before.

I'm trying to get a desk job but even sitting in a chair for more than
an hour is agonizing. If I find a jog I'll have to get a back and neck
brace because having to hold up my head for too long can be painful as
well. My computer is right next to my bed and I've got extensions and
stuff so I can use it in bed.



> Frank

> > Ive had lyme for 10 years now and its pretty much left me in total
> > poverty.

He who dances with Mr Death wears very heavy shoes.

Fri, 09 Jul 2004 07:06:07 GMT
 Financial help anywhere??Please help
Facing Foreclosure
It's an Owner's Nightmare, but Not All Houses Go to Auction

By Sandra Fleishman
Washington Post Staff Writer
Saturday, February 2, 2002; Page H01

Foreclosure has always been a scary word, albeit for a very small
proportion of American homeowners, but rising delinquency rates
suggest the specter could spread.

As the economy has tanked over the past year, delinquency rates have
risen to levels not seen for 10 years. The number of homeowners with
prime loans -- that is, people with previously good credit records --
who are entering foreclosure has set a 30-year record. Those who get
subprime loans, which have higher fees and interest rates, are also
facing foreclosure at record rates, although this booming loan market
has only been tracked for about five years.

While experts said only 1 in 3 homeowners who go into foreclosure lose
the house at auction, housing counselors and consumer groups fear the
numbers will mushroom if the economy does not improve.

"An efficient foreclosure process is the reason why you can go out and
get a home loan for 7 percent," said John Burson, a foreclosure lawyer
with the Fairfax firm of Shapiro & Burson. "That's why credit cards
are at what, 18 percent, and home loans are at 7 percent. . . .
Because you have to be able to lend money, and people will not lend
money if there is not security." That security is the assurance that
lenders will either get the money or the house that backs the loan.

The current situation provides new reasons for borrowers to take a
look at what can, and will, happen if they do not pay their mortgages.

The consequences of foreclosure are dire. Not only can foreclosure
take the house, but it can ruin credit, wreak havoc on children who
have to change schools and leave friends and add unexpected moving and
storage expenses. It also can force a cash-strapped former homeowner
to look for a new place to live at a time when affordable housing is
tough to find.

The good news is that most lenders, pushed by secondary mortgage
giants Fannie Mae and Freddie Mac and by the Department of Housing and
Urban Development, said they are trying harder to keep houses off the
auction block.

The bad news is that bad actors, known as predatory lenders, seem to
be working overtime to take properties, according to consumer groups.

So what is a homeowner to do if there are signs of trouble?

The first tip, according to lenders, housing counselors and
regulators, is to head off the dreaded F-word whenever possible.

Do not ignore letters about delinquency from the lender, HUD cautions.

If you are having problems making payments, contact the lender
immediately, the agency advises. Explain the situation. Be prepared to
provide financial information, and then look for alternatives to

The options can include such things as negotiating a repayment plan,
moving a lump repayment to the end of the loan, or extending the
length of time of the mortgage.

If there is no hope of repayment, a borrower can sometimes sell the
house before the auctioneerasks for the first bid.

Or a lender may agree to a "short sale," where a house is sold for
less than the mortgage amount. As a last resort, a borrower can ask a
lender to take back the deed.

"The thing that's really changed in the last few years is the lender's
capability to look for a workout solution even during the foreclosure
process," Freddie Mac spokesman Brad German said. "The search for a
solution starts once there's a delinquency . . . and doesn't stop
until either a solution is found or the foreclosure sale occurs."

"People today are working out forbearance plans on the eve of
foreclosure," said lawyer David Draper of Draper & Goldberg in
Leesburg, one of the biggest foreclosure law firms in the area.
Forbearance means giving the borrower a break by adjusting the terms
of the loan, often by allowing additional time to pay. "For every
three referrals we see [from lenders], one goes to sale immediately,
one goes to bankruptcy and one either reinstates the back payments,
pays off the loan [by selling the house themselves] or works out a
forbearance plan," where the lender agrees to restructure the loan.

Bankruptcy will stop a foreclosure, but it is not an absolute
protection. State bankruptcy courts can allow foreclosure if the
negotiated mortgage payments required by the court are not made. In
some states, there is also a limit on the number of times a borrower
can seek bankruptcy protection and avoid foreclosure.

And bankruptcy, like foreclosure, ruins a borrower's credit.

Housing counselors can help negotiate the maze of possible options
that legitimate lenders offer. So that is the second tip from most
housing experts: Seek professional help right away.

"Don't delay," said Marcia Griffin of D.C. housing counseling agency
HomeFree USA. "The longer you wait, the worse it gets."

If you wait, the costs mushroom, counselors said.

By the time a borrower gets a formal foreclosure notice, according to
the timetable set by state law or by the deed, the bill includes more
than just the amount of missed payments.

Instead, a delinquent borrower will have to pay for: the lender's
legal costs, advertising fees for public notices, messenger and
postage fees for notices delivered to the borrower and to any
lienholders, and title fees for determining if there are lienholders.

The borrower must also pay for an auctioneer, even if the auction is
only scheduled but does not take place.

"An auctioneer runs a business and has to keep people on staff,"
foreclosure lawyer Draper said. "So the auctioneer has to be paid even
if the auction isn't held."

A typical foreclosure includes other fees, such as "a line to docket
fee" and "a line dismissal fee," that most homeowners have never heard

Then there are recording fees, tax certificate fees and, if required
by state law, bond fees.

Olney consultant Candace Parrott had never heard of any of this when
she got a call concerning a friend's mother who was facing foreclosure
on a two-bedroom {*filter*}inium.

Parrott said she was horrified by the mounting fees and by what she
found as she tried to negotiate the process for Jessie Hopkins of

Hopkins, a retired Head Start employee, said she did not realize the
foreclosure date had been set until she saw the notice in a Howard
County newspaper. The public noticewas published Dec. 4, 14 days
before the sale was to be held.

Though the long-time Montgomery County employee had gotten notices for
four months that she was delinquent, Hopkins thought the clock was
still ticking to develop a repayment plan when the sale was set.

By Maryland law, Hopkins should have gotten a notice by certified mail
of the impending sale. State law requires one notice, not more than 30
days before the sale but notless than 10 days.

Hopkins said she did not get the message.

She said she fell behind initially on her mortgage after she had
serious back problems. When her sick leave paycheck came up short, all
of her electronic deductions in September bounced without her
knowledge, she said.

Hopkins said she fell further behind because the "high-powered {*filter*}"
she was prescribed kept her from focusing quickly on the problem. She
claims the lender, GMAC Mortgage Corp., then did not send her workout
papers she requested.

When Parrott got involved in trying to work out a repayment last fall,
the bills were mounting.

As she made calls, the amount quickly jumped from three months of
missed payments and fees to four months and fees. Though the monthly
payment was $564, the bill at three months was $2,800 and the bill at
four months was $5,425.

Parrott said the lender's lawyer took too long to send a list of the
fees. And she claims that the lender and foreclosure attorney did not
seem interested in accepting anything less than $5,425. Parrott said:
"If she couldn't raise $2,800, how was she going to raise $5,400?"

Parrott and two friends eventually were able to stop the foreclosure
sale by paying $4,725. She got the bill lowered, she said, after
questioning some fees and after finding out that the total would drop
if the bill were paid before the Dec. 18 sale date.

Parrott said the system is stacked against the borrower. "What
happened to Jessie seems more like a forced closure than a foreclosure
to me," she said.

Hopkins agrees. "They don't care if you're in trouble," she said.
"They think they're human and you're not."

Rick Gillespie, an executive vice president for GMAC Mortgage, said
this week that he is prohibited by law from commenting on Hopkins'

But he said, "It absolutely is our policy to do everything we can to
assist a customer to bring their loan current. That includes such
things as waiving late charges and working on a case-by-case basis to
come up with a solution."

Gillespie added that the company is also "responsible to the investors
who we represent" to make sure loans are paid.

Burson, the Fairfax foreclosure lawyer, represented GMAC in the
Hopkins case; he also said he is not permitted to comment on any
particular loan. But he said, "We try anything that we can to give
people an opportunity to correct a delinquency."

"One of the biggest myths about foreclosure is that lenders don't want
to work out the loan," he said. "But you get [that idea] from the bad
actors. The major institutional lenders do not like foreclosure; they
will do everything they can to stop foreclosure."

Other lawyers said Hopkins's experience seems contrary to what
normally occurs. But they acknowledge that the process is daunting to
those who are not familiar with it.

"It sounds very, very unusual that the attorney would not want to talk
to her to work out the loan," Draper said. "It's a very common
misperception at the consumer level that lenders want to take the
properties. They don't."

Lawyers also said they have to follow state law when it comes to the
process, and they follow Fannie Mae and Freddie Mac guidelines ...

read more »

Sat, 24 Jul 2004 06:03:12 GMT
 Financial help anywhere??Please help
Sources of Information

Saturday, February 2, 2002; Page H05

For more information on foreclosure and how to avoid it:

? HUD's Web site is

? The National Consumer Law Center's Web site is The group's book,
"Surviving Debt: A Guide for Consumers" (Third edition, 1999, $17) can
be found in bookstores or ordered from 617-523-8089.

? The Fannie Mae Foundation's free

booklet, "Borrowing Basics," can be

ordered by calling 800-792-7300.

? AARP's Web site is AARP has a
national campaign to educate borrowers called "They Didn't Tell Me I
Could Lose My Home," which

focuses on predatory lending and includes consumer
education,legislative lobbying and legal action against lenders.

Information is also available by calling 800-424-3410.

? Some libraries stock the out-of-print book "The Homeowner's
Guide to

Foreclosure" (James I. Wiedemer,

Dearborn Financial Publishing Inc., 1992). The book covers the legal

involved and offers summaries of state foreclosure laws as of that

-- Sandra Fleishman

? 2002 The Washington Post Company

Sat, 24 Jul 2004 06:13:57 GMT
 Financial help anywhere??Please help
Another means of steady small financial help- your local energy company should
have a program for lower base rates for you.  I just got a flyer about it in my
monthly PG&E bill, they offer discounted energy.  QUOTE:

Medical Disability?
You may qualify for low-cost gas & electricity.
To qualify, you must certify in writing that you or a full-time resident at
your home is:

* dependent on a medical life support device used in the home

* a paraplegic, a hemiplegia or quadriplegic person or a multiple sclerosis
patient with special heaitng and/or cooling needs

* being treated for a life-threatening illness or havea  compromised immune
system with special heating and.or cooling needs

* a scleroderma patient

Although other disabling medical conditions may also qualify, these conditions
are reviewed on an individual basis.  


Anyway, just thought it was appropriate for this thread.  I know my joints
flare in cold and when my Babs was bad I had the heat at 72-74 aorund the
clocka nd was still freezing- and I am sure they have programs like this

Sat, 24 Jul 2004 23:59:02 GMT
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