DAY ONE [1]
I am in dire straits. My S.O. and I are 50 [ish] living in the second home we purchased, sold the first in 2003 moved from MA to NC and bought our 2nd home. We've been together for 23 years.
Due to a series of unforeseen events [his Mom's death, my cancer, my disability [cannot walk], unemployment for the past 15 months...] over the past 5 years, we are now in jeopardy of foreclosure. So what do we do? Even after being exemplary customers with perfect credit, never missing a payment, NEVER being LATE on a payment, there is little loyalty being offered from our mortgage lender. They are circling like vultures just waiting for the day that we can no longer juggle credit cards to make mortgage payments. Foreclosure is literally right around the corner.
Right now our only income comes from an adoption subsidy [less than $1,000 per month] I have applied for [AND BEEN DENIED] supplemental security income FIVE [5] TIMES since 1995. Apparently I am not disabled enough, even though I cannot walk and use a power chair. I have actually hired a disability advocate to fight SSA on my behalf to get approved for benefits. And that's not even $1,000 a month, but it would help us out. And that process could take months before we have a decision.
So? What do we do? Where is the money available to bail us out? I don't want a corporate jet or a fancy vacation, I just want to be able to afford to continue living in the home we have made long enough to see our youngest daughter graduate from High School in June and head off to college in August/September. Then S.O. and I can make a re-assessment and figure out what our next step will be.
Before anyone suggests selling our home, it's been on the market since October 2007. It is a fairly priced 3 bed/2 bath patio home with attached 2 car garage and large fenced yard for $167,500
Truth be told, we like the idea of becoming NOMADS. We'd like to buy a moderately priced motor home and travel around the USA. Visiting friends and family along the way. There is a lot to see in this beautiful country of ours. Just us and our little dog, free to travel where ever we choose.
But back to THE NOW! Any suggestions from anyone? I am not interested in BS schemes that will make YOU money. I don't have any money to spare. So please, only serious responses. THANKS
Sharon & Greg in NC
