Help our Struggling Family

$1,185 of $66,000 goal

Raised by 8 people in 66 months
We are a family of five. Our children are 7, 8, and 16. We live paycheck to paycheck and some months are harder than others. We've always met our obligations despite carrying a large debt burden.

We were in a deep hole of debt that was getting deeper and then I became ill. For a time, we didn't know what was wrong and I was having trouble walking. For some days, I couldn't get out of bed. Thankfully, things are better now. I am able to walk although sometimes it is still a little hard, but continues to get better and I am on medication for my other medical issues.

Our health insurance is very good and still for the last three years, we have run out of benefits midway through the year and needed to meet a deductible before getting additional HMO benefits.

We are still paying for medical care from 2011.

In addition to that, when we bought our house in 2006, we were taken advantage of with misinformation and repairs that we did not know needed to be made. I would call it fraudulent. This resulted in our taking out a home equity loan one year later to maintain the home.

We have paid this loan on time every month since then until this past December (2012) when the minimum monthly payment TRIPLED. We had been told by the bank when we took the loan that in the event we did not have the funds, we could extend our current payments for another five years. Now that the time has come, they have told us that no, we may not do that; we will have to pay the full amount.

We do not have that amount.

Fortunately, our children are very healthy and rarely need to see the doctor, but when they do, our money goes towards my medical (and any medical that our children need) and with the economy the way it's been and our one income not getting comparable raises (although we are grateful for the job), there is just no way to meet these obligations.

I am still paying for eyeglasses that I got last year, the first new ones in four years.

The thing that put us in the position that brought us here was two-fold.

First, our home equity company is suing us and is requesting a summary judgment from the court system. This means that if they receive the judgment in their favor, we would be required to pay over $41,000.00.

Second, my mother in law, who is 80 was struck by a car two weeks ago. She has multiple fractures in all of her limbs, torso and pelvis. She lives (and is hospitalized) over 200 miles away and our one car cannot make that kind of a trip once, let alone more than that, and is in fact, waiting for a necessary repair for the last 9 months. She will be hospitalized and in rehabilitation for several months. We need to rent a car and pay for the extra gas, and doing that in the emergency led to us missing our main mortgage payment for June.

This is our only chance at saving our home and getting back on track.

I realize that much of our debt is of our own making, but that doesn't change our circumstances, so we are here, asking the so many generous people reading this for help.
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Sadly, it's that time of the year.

We had also been found responsible for a large judgment on our home equity loan (that hadn't been used in four years) due to an improper reinterpretation of a verbal addition to our contract.

Clearly, the judge did not agree. This judgment was a hardship to our family before recent issues.

As many of you know, our health insurance is weird in that they cover everything until a pre-arranged sum is depleted and then we need to meet a deductible. This is typically $4500 for the whole family, but this year has changed to about $3000 if I'm reading it correctly, per person rather than per family.

We have run out of health insurance and need to pay cash out of pocket for everything including my monthly medications and follow up doctor's visits and my mental health therapy.

I have also just found out that I will need to go for a medical procedure in two weeks that I had not anticipated, but can't put off (like I put everything else off because of money) because of the severity of the issue. I'm not willing to discuss the procedure in public because it is very personal, and right now I'm kind of in a limbo place emotionally.

In addition to this surprise procedure that I will have to pay for, my medical costs will be an additional $295 a month until we meet the deductible or we get to the new year. We have not met the deductible in two out of the last three years.

This includes my monthly medication for everything not over the counter or given to me by my doctor as samples, two monthly visits to my therapist (although I might have to cut back even though I would prefer not to). I will also have one more office visit in the fall, and the medical procedure that I mentioned earlier. I don't know what it costs or what any follow-up might be; only that follow up would depend on the result.

We had set up this Go Fund account and people had been generous. We used what money we received to pay down some of the items that we included in the original request, and so we are once again, relying on the generosity of the Tumblr community.

Anything we receive until our deductible is met will go directly towards my medical expenses.

We understand that many of us have money and health issues, and of course must choose who we donate money to and who we support, so I appreciate anything that you can do for us including reblogging to signal boost as well as good thoughts and prayers.

Thank you for taking the time to read our request.

Thank you and G-d Bless.
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We are very grateful for the support we've gotten since we posted this initially.

Since that time, however, we have received a legal judgment. I will be contacting the creditor in the next few days to see what our options are at this point.

One of the issues we are having is that they were allowed an interest rate of 9% when our interest rate was 3% (and I submitted proof), and that has increased what we owe for the last year significantly. I'm also looking into our legal options to adjust this, but I've been advised they are slim.

We are hoping that you can continue to share this, and there are people who can help us erase this debt so that we can start from scratch.

Again, thank you for anything you can contribute, whether that be monies, word of mouth and prayers. We are grateful and appreciative for everything.

Thank you.

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$1,185 of $66,000 goal

Raised by 8 people in 66 months
Created June 20, 2013
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Therese Norén
55 months ago

From another member of the SPN family.

58 months ago
Heather V.
66 months ago

I wish this could be more. I'll spread the word.

66 months ago
66 months ago
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