My family and I are in dire need of help. Does anyone know where I can go to find help for housing assistance for low/no income families? My entire story is much too long to go through on here, but I will summarize as best I can: my husband was laid off from his union job in Feb '08 & still is and now has been put out of the union because we couldn't keep up on paying his dues every quarter and as a result we also lost our health insurance (my husband has medical issues as does his 2 children that they need medical treatment ona regular basis and we just got approved for Medicaid but that was even a battle to get), my income drastically dropped due to the economy as I am a travel agent paid by commission and people just aren't traveling so I had to close my business down because I just didn't have enough coming in to keep it running, our vehicle was totaled in a severe accident in May '09 (that was 100% not our fault) and we didn't have money to get another car so we had to buy a salvaged car which now has many issues that we can't afford to fix but it will get us where we need to go as long as we don't have to sit in traffic too long (it over heats quickly) and now I have just recieved a letter telling me that I am going to have foreclosure proceedings start on my home if I can't pay my back mortgage payments which amount to over $20K. Without fully understanding, I was very strategically mislead to believe that the loan I was getting to start a new business with my husband that we did open in 2008, was not the loan I actually got. So I am one of the millions of people who are part of the whole mortgage scams that happened over the past 3/4 years or so. I am going to be homeless very soon with 3 kids and my pets which are family to us and I am scared to death. I have never been in a situation like this and I have always had excellent credit (759 score before all of this) until this econmony crisis hit and things snowballed for us. The worse part of it all is the bad timing in my husband getting laid off when he did. I bought into a franchise in 2005 before the economy crashed and we finally found our location for the business which had to be approved by corporate so we didn't get to actually open for business until March '08, after the economy crashed and 1 month after my husband was laid off which started our streak of bad luck. If only we had known what was ahead of us in 2005, we could have been better prepared and done many things differently. Part of the refi I did on my home also included a home equity line of credit which was taken from us unexpectedly 3 weeks prior to us opening and needing the money which forced me to ask my parents to borrow money from them so we could pay for our equipment and open. The only thing they could do was take money from their retirement fund, which they did, reluctantly, but they did. And I have now let them down and have no way of paying them back since my husband got laid off and we lost his income of $70k/yr, we had no choice but to use money from the new business to pay our home bills along with the business bills. We had to sell this year and found buyers and just found out yesterday that they didn't get financed when all along they told us they were pre approved and this was basically a done deal just formalities with providing paperwork to the bank since they already owned one these franchises, making our store their 2nd one. We were devestated when we got the news as that was my only way of paying back my parents and I would not get anything from it as it wasn't going to be enough to pay my parents off entirely but it was better than nothing. I thought I could use a small portion of the money to help find a place to move into, but now that is out. Our credit is just beyond ruined so no one will allow us to rent from them and our income is limited to a small child support check and a death benefit social security check. I don't know what to do? I don't want to be out on the street. I have been looking for a job for at least a year and nothing yet. I have went on several interviews after interviews, posted resumes everywhere...nothing. I think when companies run my credit that may have a lot to do with it because I have been told that they will do a background check, including a credit check. But my bad credit doesn't mean I am not a good, friendly, hardworking, dedicated, loyal employee/person. My husband is partially disabled which is why we opened the business so he could eventually get out of the hard labor work he was doing in the union. He has also had trouble finding work. He has a CDL license but there hasn't been many opportunities for CDL drivers that we have seen and the ones we have seen he applied for and heard nothing back. I just don't get it. We are trying our best and seem to be getting no where. I know we are not alone, believe me. I just want to know if anyone knows what I can do to try and prepare for when they tell me I need to vacate my home? I am trying to plan ahead and have a plan. I cry every day and I cannot even bring myself to tell the kids that we are loosing the house knowing we have no where to go. I haven't told my parents that the sale of the business fell through and I am just dying inside knowing I let them down and affected their retirement and their quality of life for their golden years. My mom & dad are all I have left and mean the world to me. We used to be so close, vacationing together every year, celebrating holidays together, etc. before this and it has effected our relationship greatly. I don't want to loose them but I know they will be very upset and disappointed in me and who know what will happen when they hear the bad news. Once I get a job I will pay them back the money slowly as best I can, but it will take me YEARS to pay them the money they loaned me back. My family and my husbands family are in Florida and have no room for all of us (a family of 5), and my husband's mom is actually having serious health isues right now that her husband is trying to handle. She has alztimers. Both our parents live in 1 bedroom units and have no room for us. We have no friendfs that could take us in either. I called DSS in Charles County where we live and I was told that there is a 5 year waiting list for Section 8 housing! I am at a totall loss right now on what to do and feel totally helpless in my situation. So where does this leave us? Anyone out there have any ideas, suggestions, advise...anything at all? Thank you in advance for anyone who replies...Christina
Happy Holidays to you all no matter your situation, it is the season for joy, love, peace & happiness. I miss the good times and I pray that I have happier times ahead in my future and my familes' future.
Happy Holidays to you all no matter your situation, it is the season for joy, love, peace & happiness. I miss the good times and I pray that I have happier times ahead in my future and my familes' future.
You have to go to the Dept of Social Services and NOT call them, and get there early and wait there as long as it takes to actually speak to a representative, and they never will let 5 kids go to the streets.
show and tell the world how his woman and the system did him wrong.
