Question by Susanna: Does anyone know any resources that can help me pay the 3000 I am behind on my mortgage?
I went through a divorce and my financial status is getting back on track, yet I just can’t seem to get caught up on the mortgage. I can’t take any other type of loan, unless the payment and interest was really low–and I can’t seem to qualify for a low paying loan or an additional credit card loan since I just got caught up on the one’s I already have. I can’t refinance because I’ve made many late payments this last year. I was told that I could ask for an eschrow spread , that might decrease my total payment, but you have to be caught up before they will consider you for that. I have no friends or family that can loan me any money (they are old and on fixed incomes or disabled) The electric is out in one room so I can’t rent a room out (at least at a price that would be of any help) I am so close to being caught up that I hate to have to sell or end up foreclosing, but that may be my only choice. I was just wondering if any one knew of any thing else to do.
I can’t get a second job, I am working every waking hour on the one I have. I know I am in the situation that I am in because of prior bad choice of my own, but I can’t go back and change what I did in the past, only learn from it and not repeat them. I am trying to get a higher paying job,or one that would allow me enough free time to get a second job but this may not happen quick enough, in at least enough time to prevent losing the house. And I am greatful for all the good things I have in my life, my health is relatively good, and although I have some other problems to deal with, that I won’t go into here, I know I have a lot to be greatful for. Is it wrong to seek a solution to a problem, even if the problem was caused by poor decisions in the past?
Answer by L.
Get a second job…waiting tables at night, or working in retail. It’s not anyone else’s problem to bail you out.
Ok, thanks for the updated information. I just always am in the mindset that I am responsible for myself, so if I had to work 18 hours a day to make ends meet, I would. I agree with the poster below to call the loan company and see if they can work something out with you. They’d rather have you do that than default on the loan…especially with the amount of people going into foreclosure these days. I think his advice is good!
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