Housing Help Needed

[Clbkatz]

I wish you no ill will, I hope your family's life improves and you get the help you need. IMO, your situation today is primarily the fault of both you and your husband. I would question why someone with a severe back injury for the past three years, who is incapable of working fast food, would buy a fast food business in the last two years. Also I really find it hard to believe you can't find a job at a fast food (McDonalds etc.) establishment. Best of luck though!

Vince: I really didn't want to get into my situation with Rita's, which I promise you is not our fault as to why it is not open right now...but just briefly..it is NOT fast food. It is Far from it and I can tell you that you have no idea about the business because it is very far from how a McD's works and there is no cooking or heavy things involved in a Rita's and what he did at this business. That's why you hire employees! Second, we did NOT buy this business in the past 2 years. We bought it in 2005. It takes time to get things set up, find a location, getting things approved by corporate, etc. when you are dealing with a franchise. So as I have said before things are not always what people think and not always so Black & white.

 

[Clbkatz]

I say you must try not to take what other people say here too personally because it is not really so personal against you.

We all cut-down each other as everybody does in real life, and the ones here talk trash to each other as many have no honor at all.

In real life conversations we laugh at many comments but on a Forum like this we can not hear the laugh just as we can not see the tears when one is hurting.

If you look at other threads here then the same low-life posters are cutting down others or cutting down each other as they do not even know who you are, and we all get trashed or dumped on in our own due times.

That is the beauty of the Forum too in that an ignorant post can be ignored and passed over and take the parts we like and forget the other ones.

It is not just St. Mary's or Southern Maryland because people do act like nit-wits worldwide, and we get these kinds of posters on any Forum anywhere and everywhere on the Internet because that is how most people communicate.


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JP--Thanks. I appreciate the thought. But sometimes when people are attacking your character, it's hard not to take it personally or be negatively effected by it when you were just being innocent and asking for advise from members of your community. I will take your words into consideration from now on. Thanks again.

 

[Clbkatz]

i am totally not buying the fact you went to social services on an income of $800 a month and they told you that you qualify for no assistance.

There are several eligibility requirements that include resource and income limits. Households may have up to $2,000 in countable resources, which includes a bank account. If a member of the household is 60 or older, a person with disability, countable resources increase to $3,000.

Most households must meet a gross income test (130 percent of poverty). If the household includes an elderly person or a person receiving disability benefits, only the "net test" must be met.

Deductions from gross income: 20 percent of earned income, a standard deduction according to household size; a dependent-care deduction; any medical expenses in excess of $35 for elderly or disabled members; housing and legally owed and paid child support.

there is something you aren't telling us. And please give me the name of your caseworker down at DSS who told you that you and your husband should separate and u should come back and reapply to get benefits. That's fraud.

Yes we all struggle and go through rough times, but it's times like these were people need to be honest with themselves about what they are and aren't doing to make things better. You own a home for christ sakes, do you know how many families DSS has had to put up in Super 8 hotels in Waldorf because of the housing crisis?

And i'm not being mean, but there is a time to hear brutal truth....get rid of your pets, that will cut down on expenses. All these job offers in this thread and it's after the new year and you are still unemployed? They just opened up a Xmas Tree Shops in waldorf they are hiring a staff of over 100 people...stockers, customer service workers...seriously there are so many jobs out there....i'm just not understanding people who have a history of living life well and then make bad decisions and BAM all of a sudden they are lost and have no idea how to live. Be glad you aren't out on the street!

once again........i wanna know who at DSS told you that dumb isssh....your whole situation has got me HEATED.

Qurious---If you are Heated how do you think I feel!..I am NOT hiding anyhing from you all. And I DON'T OWN MY HOME> I AM going into foreclosure. That is why I posted in teh 1st place because I will be out on the street soon if things don't change and I get some sort of assistance somehow! Haven't you read my posts!!!! How the heck do you have the right to sit there and judge me and say that my dumb decisions are what got me here!! That is not true at all! Like I said I posted for help not posted my entire life history and story on here to be judged and told I am a fake or bringing it on myslef, etc. So of course there are things in here that you do not know, but not anything that will say that this is MY fault!

I can't imagine anyone saying get rid of your pets like its just no big deal. Obviously you either have no heart or never have had pets. Anyone who has knows that is easier said then done. They are part of my family, animals that I have had for 10+years. Just go drop them off at some shelter where they may be killed?? Yea that sounds like the right thing to do.

It was about 9 months ago when I went to DSS and they told us to separate and I don't remember who she was. She was a lady we met with after meeting with the actual person who did the numbers up, looked at our documentation and spoke with us and took our information. All I know is what she looked like and she also spoke to us in the job center as well because we also went over there and provided our information so we could both try to get a job with their help. Never heard from them since btw. She did say that she shouldn't be telling us that, and to please not mention it, but that it was an option since our situation was bad and she recognized that and I guess felt sorry and told us that was an option. Right or wrong thats what she said.

You can believe what you want. Places have certain ideas of who they want to hire and maybe I don't fit that and that's why I am not being hired. I know Rita's certainly had requirements and retrictions for us on hiring our own employees. So I know other places do too. I do not know what all the reasons are, except for the credit for the few places that told me that was the reason and some places told me I was over qualified for the position. Which I think is ridiculous! I have been self employeed for at least the past 10 years (I am a travel agent and ran a travel business before I had Rita's, now I don't have the funds to keep it running so I had to give that up) so references are not really there because I am the reference. I am sure that doesn't help me either. But thats is what it is and I cannot do anything about that. I was in banking for 10 years before that and the bank I worked for has been bought out 3 or 4 times so the people that could vouch for me are long gone and my records are lost or gone too as I have been told they can't get any information from that specific employer.

 

[ITS ME]

Qurious---If you are Heated how do you think I feel!..I am NOT hiding anyhing from you all. And I DON'T OWN MY HOME> I AM going into foreclosure. That is why I posted in teh 1st place because I will be out on the street soon if things don't change and I get some sort of assistance somehow! Haven't you read my posts!!!! How the heck do you have the right to sit there and judge me and say that my dumb decisions are what got me here!! That is not true at all! Like I said I posted for help not posted my entire life history and story on here to be judged and told I am a fake or bringing it on myslef, etc. So of course there are things in here that you do not know, but not anything that will say that this is MY fault!

I can't imagine anyone saying get rid of your pets like its just no big deal. Obviously you either have no heart or never have had pets. Anyone who has knows that is easier said then done. They are part of my family, animals that I have had for 10+years. Just go drop them off at some shelter where they may be killed?? Yea that sounds like the right thing to do.

It was about 9 months ago when I went to DSS and they told us to separate and I don't remember who she was. She was a lady we met with after meeting with the actual person who did the numbers up, looked at our documentation and spoke with us and took our information. All I know is what she looked like and she also spoke to us in the job center as well because we also went over there and provided our information so we could both try to get a job with their help. Never heard from them since btw. She did say that she shouldn't be telling us that, and to please not mention it, but that it was an option since our situation was bad and she recognized that and I guess felt sorry and told us that was an option. Right or wrong thats what she said.

You can believe what you want. Places have certain ideas of who they want to hire and maybe I don't fit that and that's why I am not being hired. I know Rita's certainly had requirements and retrictions for us on hiring our own employees. So I know other places do too. I do not know what all the reasons are, except for the credit for the few places that told me that was the reason and some places told me I was over qualified for the position. Which I think is ridiculous! I have been self employeed for at least the past 10 years (I am a travel agent and ran a travel business before I had Rita's, now I don't have the funds to keep it running so I had to give that up) so references are not really there because I am the reference. I am sure that doesn't help me either. But thats is what it is and I cannot do anything about that. I was in banking for 10 years before that and the bank I worked for has been bought out 3 or 4 times so the people that could vouch for me are long gone and my records are lost or gone too as I have been told they can't get any information from that specific employer.

Quick question... you say you dont own your home......are you saying that you are renting your home?

 

[Clbkatz]

I must agree with above, and her story does not add up with reality.

DSS would never say to a husband and wife to break-up, and $800 per month for a family of 4 is poverty by DSS standards.

Her profile says she is a Travel Agent link then her home page is HERE and that means she has a Cruise business still going on.

Very peculiar indeed.


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I closed my travel business because I don't have the money to run it any more. My website hasn't been updated in quite a while and will be shut down soon as I will not be able to renew the annual fee that is coming up, my phone numbers do not work because they have both been cut off. Did you try to call??? Of course not. Just being judging of me thats all. I just have not change my profile on here...sorry. Things don't add up because like I said my life history isn't on here! You all are entirely too judgemental.

AND DSS ABSOLUTELY DID SAY THAT WE SHOULD SEPARATE AND REAPPLY! I CAN GO POINT OUT THE LADY WHO TOLD THAT TO US! WHY WOULD I MAKE SOMETHING LIKE THAT UP! SERIOUSLY!!!! I told her that in order to separate you have to not live together and we had no where to go either of us and then she said that woudl be a problem then. You don't have any friends thatyou can say you are living with and we both said no. So it is true believe it or not. And I guess you think there are no such thing as crooked politicians, police officers, CEO's, etc. either. I am very insulted.

 

[Clbkatz]

Quick question... you say you dont own your home......are you saying that you are renting your home?

I am living in my home for the time being until the bank kicks me out basically. I was hoping to try and work out something with the bank. I have been calling since BEFORE I knew I wasn't going to be able to make my payment. They toldme I had to be 60 days behind in order to get help and at that time I had paid all my payments (partial interest payments, which I can say is the ONLY dumb decision I did make was refi my home. I was taken advantage of on that, a long story) But just got a letter about a month ago saying they were starting foreclsoure proceedings on me. So its only a matter of time before I am out and I have no where to go. That is why I originally posted on here was for help in how to get home assistance. I called Charles Co. DSS and they told me Section 8 housing was a 5 year wait and that I wouldn't be able to get that any time soon. So that left me thinking that I was going to be out on the street, homeless with my family and I started freaking out because we have no where to go. So I posted "Housing Assistance" question to see if anyone else had ideas on what I could do, maybe another program I was not aware of I could try... something. Not to get yelled at, told I am a fraud, asking for handouts or money, my personal character attacked, etc.

 

[vince77]

Vince: I really didn't want to get into my situation with Rita's, which I promise you is not our fault as to why it is not open right now...but just briefly..it is NOT fast food. It is Far from it and I can tell you that you have no idea about the business because it is very far from how a McD's works and there is no cooking or heavy things involved in a Rita's and what he did at this business. That's why you hire employees! Second, we did NOT buy this business in the past 2 years. We bought it in 2005. It takes time to get things set up, find a location, getting things approved by corporate, etc. when you are dealing with a franchise. So as I have said before things are not always what people think and not always so Black & white.

I didn't compare it specifically to McDonald's, I compared it to a fast food operation, it is, all fast food operations aren't hamburger joints. I questioned why you couldn't find work at McDonalds but you've explained that now. Tough break about your vehicle situation and that your hubby is so disabled he can't look after his kids at home while you work.

BTW, if one of my adult kids fell on the degree of misfortune you attribute to your family, they wouldn't need to worry about a place to live, they could move in with me.

Best of luck !

 

[ITS ME]

I am living in my home for the time being until the bank kicks me out basically. I was hoping to try and work out something with the bank. I have been calling since BEFORE I knew I wasn't going to be able to make my payment. They toldme I had to be 60 days behind in order to get help and at that time I had paid all my payments (partial interest payments, which I can say is the ONLY dumb decision I did make was refi my home. I was taken advantage of on that, a long story) But just got a letter about a month ago saying they were starting foreclsoure proceedings on me. So its only a matter of time before I am out and I have no where to go. That is why I originally posted on here was for help in how to get home assistance. I called Charles Co. DSS and they told me Section 8 housing was a 5 year wait and that I wouldn't be able to get that any time soon. So that left me thinking that I was going to be out on the street, homeless with my family and I started freaking out because we have no where to go. So I posted "Housing Assistance" question to see if anyone else had ideas on what I could do, maybe another program I was not aware of I could try... something. Not to get yelled at, told I am a fraud, asking for handouts or money, my personal character attacked, etc.

OK, I am not here to attack you, but I do have a few questions........

The husband you divorced in 2007 is not the same husband you are talking about now, is it?

Second, it doesnt appear that your lender has gotten very far with the foreclosure proceedings as of of yet, is it possible that you are able to get a loan modification with them. I am a FHA borrower and I had to be 90 days behind before they would consider me, for modification. They would not help me if I was up to date on my payments because I was FHA and they (the bank) were getting their money either through me or FHA...hence the reason for waiting 90 days.

 

[czygvtwkr]

Im curious how you were taken advantage of? Did you read the documents that you signed?

 

[VoteJP]

Blog-o-sphere

You all are entirely too judgemental.

AND DSS ABSOLUTELY DID SAY THAT WE SHOULD SEPARATE AND REAPPLY!

I am very insulted.

I offer you my sincere apology for my insulting you, and I give no excuses.

It is very true that if you apply as a single woman or single Mom then you would get better treatment from the DSS, so maybe the worker was just being brutally honest in suggesting to separate or divorce.

The same is true for your husband as he is more likely to get SSI if he were single because otherwise they will use you as reason to deny it to him.

There are extreme ways of making that to work out just fine if you want to work it?

Since you are still in your house then they will not give you housing until one is actually and factually homeless, because for now you do have a home.

There is another option of appealing the foreclosure to the Court on a hardship basis that your family will be forced into homeless, and so ask the Court to order an Injunction that will stop the enforcement of the foreclosure, or at least stop the eviction. It might not work but it could scare the foreclosure people into stopping or postponing the eviction if you threaten a Court action like that.

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[Clbkatz]

Well I am glad that you are still alive to do that for your kids. My husbands' paranets are not. Mine live in a 1 bedroom condo unit that barely fits them so they don't have room for us and due to the condo rules we wouldn't be able to move in even if they did have room. So that is why that is not an option, not because we don't have a loving parent supporting us. They are not millionaires either. They have helped as much as they could and don't live near me at all. So I can't get babysitting help from them or anything like that either.

My hubby can look after the kids. I never said he was so disabled he couldn't look after the kids. He would rather work because he can bring in more money than I could with the trade work he does, but that he cannot do anymore, he has to face that truth. And doing pretty much anything else on a daily long term basis is out as well, so he will be home with the kids. That is why I am the one who is really looking for a job. He is busy with seeing doctors right now to see if there is anything else that he hasn't done already that can give him some relief on his back pain. Coordinating docs appt with a job will be tricky as he sees a doctor at least once a week if not more. He also needs me for driving, long distances isn't something he can do without stopping a lot. Sitting in the passenger seat is bad enough but when you have to drive and move your legs from gas to brake it really hurts him as he also has pain that shoots down his buttocks into his legs so driving trucks again wasn't a great solution but he thought maybe he could pull it off long enough to get us back on our feet, then he would stop. He was going to give it a try at least so I give him credit for that. I live with him daily and see what he goes through and it is a terrible and awful thing to see someone you love suffer and there isn't anything you can do about it to help them.

I didn't compare it specifically to McDonald's, I compared it to a fast food operation, it is, all fast food operations aren't hamburger joints. I questioned why you couldn't find work at McDonalds but you've explained that now. Tough break about your vehicle situation and that your hubby is so disabled he can't look after his kids at home while you work.

BTW, if one of my adult kids fell on the degree of misfortune you attribute to your family, they wouldn't need to worry about a place to live, they could move in with me.

Best of luck !

 

[Clbkatz]

I was divorced before 2007 so I don;t know where you got that from and of course I am not with that person, why would I be divorced and the remarry the same person again back to back? I guess it has happened before but not to me.

I don't know about the loan mod at this time. I asked for many months back (from the old mtg compnay, remember my loan was recently sold again. This time from Countrywide to Bank of Amer.) and was denied and that was when I actually had income and a job! Now I only have about $800 or so a month coming in from child support & SSD benefits so I don't think they will be able to work out anything with me. Believe me I wish they would. I built this home and have lived here for 13 years. I don't want to move away. I figured all I could do now is see if they would let me sell the home at whatever I could get for it and charge off the rest so I wouldn't have that huge debt hanging over me because all it is, is interest that was added onto my loan that I didn't realize was being added back into my loan, until about 2 months after I got the loan, Then it was too late to change it around. Believe me I tried.

OK, I am not here to attack you, but I do have a few questions........

The husband you divorced in 2007 is not the same husband you are talking about now, is it?

Second, it doesnt appear that your lender has gotten very far with the foreclosure proceedings as of of yet, is it possible that you are able to get a loan modification with them. I am a FHA borrower and I had to be 90 days behind before they would consider me, for modification. They would not help me if I was up to date on my payments because I was FHA and they (the bank) were getting their money either through me or FHA...hence the reason for waiting 90 days.

 

[Clbkatz]

Im curious how you were taken advantage of? Did you read the documents that you signed?

Its a VERY long story and the documents were like a novel (thickness wise). Most people don't read that stuff like they should. I read the small papers of course. But the mtg broker mislead me into believeing I was getting something totally different than I was, mislead me into how the payments would work and the loan itslef and when I called back to try and reverse everything I was told he was no longer there anymore and that it was already sold to another mtg company so there wasn't anything I could do. It had only ben a month.

 

[whome20603]

Its a VERY long story and the documents were like a novel (thickness wise). Most people don't read that stuff like they should. I read the small papers of course. But the mtg broker mislead me into believeing I was getting something totally different than I was, mislead me into how the payments would work and the loan itslef and when I called back to try and reverse everything I was told he was no longer there anymore and that it was already sold to another mtg company so there wasn't anything I could do. It had only ben a month.

Would you like to buy my timeshare?

 

[PrepH4U]

Its a VERY long story and the documents were like a novel (thickness wise). Most people don't read that stuff like they should. I read the small papers of course. But the mtg broker mislead me into believeing I was getting something totally different than I was, mislead me into how the payments would work and the loan itslef and when I called back to try and reverse everything I was told he was no longer there anymore and that it was already sold to another mtg company so there wasn't anything I could do. It had only ben a month.

oh my! oh my! Why wouldn't you read the long ones? Were you in a hurry? The papers that state the payment details are really not that long..... :shrug:

 

[blondie4512]

I was divorced before 2007 so I don;t know where you got that from and of course I am not with that person, why would I be divorced and the remarry the same person again back to back? I guess it has happened before but not to me.

I don't know about the loan mod at this time. I asked for many months back (from the old mtg compnay, remember my loan was recently sold again. This time from Countrywide to Bank of Amer.) and was denied and that was when I actually had income and a job! Now I only have about $800 or so a month coming in from child support & SSD benefits so I don't think they will be able to work out anything with me. Believe me I wish they would. I built this home and have lived here for 13 years. I don't want to move away. I figured all I could do now is see if they would let me sell the home at whatever I could get for it and charge off the rest so I wouldn't have that huge debt hanging over me because all it is, is interest that was added onto my loan that I didn't realize was being added back into my loan, until about 2 months after I got the loan, Then it was too late to change it around. Believe me I tried.[/QUOTE]

They will let you do this its called a short sale... If you don't have your house listed, you're a fool... It can take a year or more for the bank to actually evict you from you're home, in that time, if you sell your house for less than you owe and the house is in forclosure the bank will accept this as a short sale. Its better than a forclosure..

 

[czygvtwkr]

Its a VERY long story and the documents were like a novel (thickness wise). Most people don't read that stuff like they should. I read the small papers of course. But the mtg broker mislead me into believeing I was getting something totally different than I was, mislead me into how the payments would work and the loan itslef and when I called back to try and reverse everything I was told he was no longer there anymore and that it was already sold to another mtg company so there wasn't anything I could do. It had only ben a month.

I'm sorry your in your situation, but you were not taken advantage of, you were lazy and it cost you dearly.

 

[Clbkatz]

I'm sorry your in your situation, but you were not taken advantage of, you were lazy and it cost you dearly.

I Beg to differ. You weren't there and therefore cannot make that determination about me. I spoke with this man in very lengthy detail about what I wanted and how it would work for weeks. It wasn't until he showed up at my home did he even tell me that what we agreed on which was a full cash out on my home that he could only do part cash out and the rest would be in a separate Home Equity Line of Credit (HELOC). Who does that. I know that should have been my 1st clue, but I had my reasons. I fought him for at least an hour and a half arguing thats not what we talked about and agreed on and how could he just come there and spring that on me? And he kept explaining why it had to be that way and of course I agreed in the end. This money was being used to fund Rita's and I was already in for a lot of money as it was, so I didn't want to loose what I had in it already so I did the deal based on his assurance everything would be as he said it would. He LIED! He also told me that the HELOC would be there as long as I needed it becasue I told him I would not be drawing off of it for a while. I didn't want to make payments on money I didn't need right then and there. He assured me that was no problem it would be there forever until I closed it out. Well turned out he was wrong when about 3 weeks prior to opening our store when I was going to draw that money to pay for the rest of my equipment the Mortgage co. decided home values had dropped too much in my area so they were taking back all lines of credit that had been issued in my area and I was one of them. I called and fought my heart out but got no where on it. So I almost lost the business then. But I made it through and that is also part of the reason I am where I am today. Also something out of my control that happened. Bad timing because then my husband was laid off about a week or two after that! Then list goes on and on from there. Like I said there's a lot to my story you do not know. Everyone is not perfect, and neither am I. But I strongly feel I was taken advantage of in this situation. Every page he explained to me nothing ever came up about partial payments and interest being added back into your loan, etc. I can promise you that.

 

[vince77]

your life is filled with bad luck and circumstances none of which are your fault

 

[czygvtwkr]

I really don't mean to sound harsh but in the end you signed papers that you did not fully read and instead of putting forth some effort trusted a stranger when it came to everything you had.

I wish you well in the future but just can't muster up any sympathy.