Help Me Save My House
Updated: the amount is now per the court order from 10/20 minus what I have on hand. Sorry for confusion. It has been a crazy ride but I thank you for reading on.
Before I even get started, let me say this is the hardest thing I’ve ever put out here; bear with me – I’m a talker and feel the need to explain. Before you continue reading, note that I am desperate and am asking for a HUGE favor that will be returned tenfold.
In February of 2016, I left my job of almost 5 years due to their laying people off and being in a panic knowing I could be next in line. I thought I had found the perfect job with an ed tech company and for a year, that was true; then at the end of March of 2017 I was told the academic services team was going in a different direction and my employment ended.
Losing my job in March, it took me about 6-8 weeks to get a full-time contract position where I had been working part-time and it took me a month to get unemployment; which was 75% less than my salary.
During that time, I could keep my house payment’s up to date but had to forego other bills. Robbing Peter to pay Paul so I didn’t lose my house finally caught up to me. My contract position is less per hour than I was making and I have only recently been able to find a second job to supplement my income. Unfortunately, that position comes too late. I’ve downsized all bills to only necessities and have done the best I can to keep my house. I’ve sold or am selling anything that I can to raise these funds.
The wife of my house contract holder was very considerate and allowed me to make weekly payments and we arranged to move two house payments to the back of the agreement so I could finally catch up. All was good for a few weeks and then my car was out of commission and I missed one “sidetrack” payment by a few days (I did pay it!) and they sent me a notice saying the “sidetrack agreement” was null and void and all arrears were due immediately.
I made weekly payments to them and am exactly 30 days away from being caught up; they have retroactively tacked on late fees and are now taking me to court to try and have the lease to buy contract suspended and evict me. I contacted my lawyer who said to ask them to mediate and try to work it out – they refused to even respond to my phone calls or emails for over three weeks; they are now refusing partial payments so I’m putting all my money into an escrow account. I keep making the monthly payments as my lawyer told me to but am in total panic mode right now. He says if they take me to court to evict me, it’s a 50/50 crapshoot.
I’m desperate, scared, and freaking out. I have raised almost half of the money they say I owe and paid my October house payment in full. I’ve invested almost $20,000 in this house and that doesn’t include the improvements I’ve made to it (around $5000 worth); all that goes down the drain if I lose the house, not to mention, I’ll be homeless.
A few people suggested I start a Go Fund Me, but my pride was horrible; now I’m desperate. I am totally embarrassed to be in this position at this point in my career and life. Tears are streaming down my face but fear of losing everything I’ve worked hard for outweighs pride right now. I make more than enough money to cover my bills each month; but that 6-8 weeks with little to no income hurt me beyond recognition; the catching up part was where I was unable to keep up.
I know these are hard times for everyone, but if you can donate/loan ANY amount, I’d be more than appreciative. Please know that I have exhausted all other options and due to the divorce and losing my job, my credit rating is too low for a bank to give me a loan for the house outright for at least another six months and I haven’t been at my current job for a year. Feel free to ask questions; I’m an open book. Thank you ahead of time. What breaks my heart is I have found my zen and peace at this home and never saw this coming.
