So, this is a really hard thing to write. I often see these kinds of things and in the past, Sometimes I have been able to help- but often not. And when I cannot, I have felt bad. And, so, I want to be 100% honest with all of you that if ALL you can help is a well wish or a prayer, that will be the most cherished well wish or prayer EVER and I thank you a million times for the good thoughts and energy.
And I am also saying in advance, for those who can help, if you can, don't do it anonymously as I want to chance to repay any and all, as I am able- and I am affirming to the universe that I SHALL be able within this coming year.
As many of you know, Last September, I almost died, and required emergency open heart surgery to replace my aorta valve. I was without insurance, and at the time I went in was having struggles making ends meet for various reasons- but there was no choice. It was life or death.
The bill was over 3/4 of a million dollar, and that was with the self-pay discount.
At the time, My dearest friends Charissa, Tay, Tiffany, Dave and Shawn along with my boyfriend John- did everything they could- and SOOOO much to help in so many ways. This included various fund raising and running my business while I was in the hospital so there was some income coming in. This helped patch the road at the time and I can never say or do enough to thank them and those who pitched in at the time to help.
Since then, work has been spotty, and while waiting for my "Regular Job" to have hours for us again, I have been working a million different "Part Time" and "Side" jobs to make ends meet, pay bills and stay above water. My other half, John has been an angel and a saint and worked as well as keeping his school work going and has done everything to do his part to contribute as well.
My challenge has been getting the Mortgage caught up, and keeping the house safe from foreclosure- until now I was able to stay ahead.... But this moment is a desperate one and that is why I am reaching out for help- I am embarrassed and ashamed to be at this place- but here I am.
This month, has been one of SEVERAL huge blessings. First- My big Cardiac Follow-up showed that health-wise, I am "Normal" and the new valve has done it's job and I am no longer in "Heart Failure." Thank you Universe and all Humans who helped with this!
Second- The Hospital decided to write off the bill as they investigated my situation and realized it would be unlikely that I could ever pay this amount back in my lifetime.
Third- Several part time opportunities have found me that can help fill in the gap until my creative job reopens.
Fourth- I was told today, that there would be a date soon, where that job will begin.
All of this means, that with all luck, by the end of May I should be able to start making double mortgage payments every month, which would mean being totally caught up by July and then ahead....
Another Angel- my former Inlaws who have remained loving influences in my life called me the other day and said that their church MAY be able to arrange a loan so I could get caught up in a lump- however, this may take several weeks. Which leads me to today:
Today I have a very unpleasant conversation with my mortgage holding bank. After I explained my situation and the hope that I would be able to resume and catch up- and the possibility of the loan by the end of May they made several things clear.
1- I am in pre-foreclosure and they WILL NOT give me until the end of May. Thus- the loan would be too late. I am still pursuing it just in case.
2- I MUST make a payment within the next 7 days AND file hardship papers, if there is any hope of delaying foreclosure. However, they still may initiate the process unless I make the full four thousand dollar lump before May first. IF they initiate the process, and I get the loan, I would have to pay lawyer fees and late fees which would push the lump into several thousand MORE.
So.... It's pretty desperate. Right this second, I am about $500 short to make a catch up payment within 7 days. I am trying every route possible to make that happen... but here I am.
Anything COULD help. And so, I put it to you- if you can, and will- I thank you, My doggies and Kitties Thank you and all will be right within a month or so- either way.
If you cannot... I understand and I appreciate and welcome your good energy, prayers on our behalf and your love.
No matter what, weather it is ONE payment, or two, or all 4 that I need to make- that is what this will go toward. If the loan ends up actually coming through, I will use it to repay everyone and pay it back over time. If it does not, I will repay your generosity over the coming year- Again I affirm to the Universe will help this happen one way or another!
I am trying all routes toward repair.... Thank you for taking the time to read this, and for your love over the past year and into the future.
Thank you for all of your thoughts and good energy whatever way it comes!
Dean
And I am also saying in advance, for those who can help, if you can, don't do it anonymously as I want to chance to repay any and all, as I am able- and I am affirming to the universe that I SHALL be able within this coming year.
As many of you know, Last September, I almost died, and required emergency open heart surgery to replace my aorta valve. I was without insurance, and at the time I went in was having struggles making ends meet for various reasons- but there was no choice. It was life or death.
The bill was over 3/4 of a million dollar, and that was with the self-pay discount.
At the time, My dearest friends Charissa, Tay, Tiffany, Dave and Shawn along with my boyfriend John- did everything they could- and SOOOO much to help in so many ways. This included various fund raising and running my business while I was in the hospital so there was some income coming in. This helped patch the road at the time and I can never say or do enough to thank them and those who pitched in at the time to help.
Since then, work has been spotty, and while waiting for my "Regular Job" to have hours for us again, I have been working a million different "Part Time" and "Side" jobs to make ends meet, pay bills and stay above water. My other half, John has been an angel and a saint and worked as well as keeping his school work going and has done everything to do his part to contribute as well.
My challenge has been getting the Mortgage caught up, and keeping the house safe from foreclosure- until now I was able to stay ahead.... But this moment is a desperate one and that is why I am reaching out for help- I am embarrassed and ashamed to be at this place- but here I am.
This month, has been one of SEVERAL huge blessings. First- My big Cardiac Follow-up showed that health-wise, I am "Normal" and the new valve has done it's job and I am no longer in "Heart Failure." Thank you Universe and all Humans who helped with this!
Second- The Hospital decided to write off the bill as they investigated my situation and realized it would be unlikely that I could ever pay this amount back in my lifetime.
Third- Several part time opportunities have found me that can help fill in the gap until my creative job reopens.
Fourth- I was told today, that there would be a date soon, where that job will begin.
All of this means, that with all luck, by the end of May I should be able to start making double mortgage payments every month, which would mean being totally caught up by July and then ahead....
Another Angel- my former Inlaws who have remained loving influences in my life called me the other day and said that their church MAY be able to arrange a loan so I could get caught up in a lump- however, this may take several weeks. Which leads me to today:
Today I have a very unpleasant conversation with my mortgage holding bank. After I explained my situation and the hope that I would be able to resume and catch up- and the possibility of the loan by the end of May they made several things clear.
1- I am in pre-foreclosure and they WILL NOT give me until the end of May. Thus- the loan would be too late. I am still pursuing it just in case.
2- I MUST make a payment within the next 7 days AND file hardship papers, if there is any hope of delaying foreclosure. However, they still may initiate the process unless I make the full four thousand dollar lump before May first. IF they initiate the process, and I get the loan, I would have to pay lawyer fees and late fees which would push the lump into several thousand MORE.
So.... It's pretty desperate. Right this second, I am about $500 short to make a catch up payment within 7 days. I am trying every route possible to make that happen... but here I am.
Anything COULD help. And so, I put it to you- if you can, and will- I thank you, My doggies and Kitties Thank you and all will be right within a month or so- either way.
If you cannot... I understand and I appreciate and welcome your good energy, prayers on our behalf and your love.
No matter what, weather it is ONE payment, or two, or all 4 that I need to make- that is what this will go toward. If the loan ends up actually coming through, I will use it to repay everyone and pay it back over time. If it does not, I will repay your generosity over the coming year- Again I affirm to the Universe will help this happen one way or another!
I am trying all routes toward repair.... Thank you for taking the time to read this, and for your love over the past year and into the future.
Thank you for all of your thoughts and good energy whatever way it comes!
Dean