Our family of four is about to be homeless. For 13 years, we have raised our kids, critters, and crops in the rolling hills of Kentucky. Despite a moderate traumatic brain injury suffered by A.J. Drew in 2006, the family built a thriving business in specialty peppers as Peppers by Mail. After surgeons had to remove about half of each of A.J.'s feet he was unable to work for a season.
When Citizen's Union Bank started the foreclosure process, we had only $17,000.00 left on the mortgage and were only $1,000.00 behind. One more season and the mortgage would have been paid off. We attempted to protect the home with a chapter 13 bankruptcy, but Citizens Union Bank withheld key information that would have made bankruptcy protection possible. They sent no warning, refused to discuss it with us, and seemed to do what they could to prevent us from selling the farm ourselves. After legal fees, court costs, and taxes they claimed we owed them over $60,000.00.
At the time Citizens Union Bank started the foreclosure, A.J. Drew still had a hose coming out of his right foot. He had been released from the hospital to home care with a pic IV line coming out of his upper arm. He was recovering from both an amputation and sepsis. Ordered to bed rest, no walking, and IV medication every so many hours. That did not matter to Citizens Union Bank. If you can not walk, you can not farm. If you can not farm, you can not keep your home. So what is a family to do.
With your help, we will purchase an inexpensive camper trailer. With any luck, we will live there while saving money to purchase a few acres of land to restart the family farm. Without your help, we might wind up homeless. Please do help.