Post Edited (Frances_2008) : 6/10/2009 8:06:30 AM (GMT-6)
Dear Frances, I am so saddened to hear of all the problems you are having now. Especially that you are in pain. I too don't have that much advice to give. Do you have records or proof that you are eligible for the gov't assistance for your mortgage? If you do then you can present that to your mortgage co. And like Karen said can you go to another bank that would be willing to take over your mortgage and work with the gov't program? You might remind your bank that the $1000 it would cost would be little compared to the money they would receive if they foreclose. I would think they would rather have something than nothing. And if they foreclosed they are out all the money and who would buy your condo? Also, they wouldn't necessarily use your bank to obtain a mortgage. Your bank looks like the real loser here. Can you get your attorney to help you and at least go to court with you to let the judge know that you qualify for the gov't program? You said you are working but I assume it is part time and temp work. I hope you are still getting your unemployment benefits. Don't give them up for a job that won't last. You are entitled to make a certain amount of money while still receiving unemployment. Is there any one in your family that can give you at least some emotional support? Or do you have any friends to talk to? You need a support system. Keep bugging the place where you can see a counselor. I think it is important that you get help. And I would tell the thyroid specialist office everything that is happening to you and how much weight you are losing. I would think they would be alarmed and fit you in. Often the nurses are nice and can find a spot to fit you in. Also, in terms of taking in calories have you tried to drink Ensure or Boost? They are liquid supplements and do have calories but have vitamins and minerals to help you. I can't believe any of your family would desert you when you are so in need of help. Please try to reason with them and if you have to beg them to help you, that you have reached your limit of what you can take. I do so worry about you. I would like to wish you a happy birthday but I don't know if that is any comfort right now. Please know I think of you and hope and pray for you to have some relief and a better outcome to your situation. I think if you really qualify for the gov't assistance for your mortgage that the bank cannot deny you. I would really fight that and go to court so they know you are serious about fighting them. You may be required to give some records to them but I see no reason that they need medical records unless it is to prove that you are on hardship. Please let me know what happens and know how much I care and I will be praying for you.
Ouch, I am so sorry to hear of the mutiple issues you have going on. I wish I had a magic wand but I have read some wonderful advice here and I just want to toss in a few things that you may find helpful.
Here are a couple of numbers for you to try to just talk with someone. You do not have to have thoughts of harming yourself just have depression issues your dealing with.
NDMDA Depression Hotline | Support Group. 800-826-3632 Crisis Help Line | For Any Kind of Crisis 800-233-4357
National Mortgage Help Center Website:
Frances, I read your last post and you mentioned IL. That is the state I live in. You claim you were disqualified for UE because you had a temp job that earned you more than you should. I think you have a good case to fight them on this. At any time did they tell you that you would lose benefits it you made more than a certain amount? If they did not explain this to you then I think you have to see a manager and get this straightened out. It's not as if it was a permanent job, it was for a week. I have been through the unemployment system in IL and most of the people are real dopes, please excuse me but many of them don't know what they are talking about. If anything it should only have reduced your UE payment by a small amount for the week you worked. If you are working now make sure you are not earning enough to have them cut back or deny your benefits. I live outside of the Chicago area and went to a local suburban UE office. It took all day. And my employer challenged my benefits because I received severance pay. I had worked for this company for 18 yrs and got let go. The UE office said that severance is not considered income so they approved my benefits. You really need to keep fighting this. You just need to keep going back there until you get the right person to listen to you. My severance stretched over a period of 6 months which was how long I would get UEI. I know what a terribly hard time you are having and feeling so ill and in pain and I truly sympathize with you. But try to be strong and get back there and fight for your rights. It is something that you have coming to you. By the way, when you mentioned the gov't and the help with the mortgages, my understanding was that the gov't was only helping people who had Fannie Mae or Freddie Mac mortgages. Not 100% on that but I think that is what I heard on the news. So that is probably why the bank is fighting you so hard on this. Let's hope your lawyer can straighten this out for you in court. Glad to know I have a fellow IL friend here. Again, do take the best care of yourself you can and let me know how you are.
Love & hugs,
Frances, haven't heard from you so I hope everything is going OK right now. Akram has a good idea of taking a hot bath and relaxing. Put in some bath salts or bubbles. Do you have any soothing or relaxation music you can listen to? I have CDs for falling asleep, relaxation, and at night I have one of those little machines that plays rain or waves or nature sounds. It helps me a lot. Also have you tried using a heating pad where you are hurting or is heat bad for your pain? If so how about and ice pack - but be sure to wrap the ice pack in a towel. I imagine it will take a while to hear about your mortgage but I just want to keep in touch with you and make sure you are still hanging in. Try to lean on your family a little more. I know you have said you have asked for their help before but you really need a support system that you can depend on. You can always depend on us for comfort and support but you need someone near you to help out. Please take care of yourself and don't ever hesitate to post me. I am here for you.Prayers are being sent to you and I know God is looking down on you. One more thought - is it possible for your lawyer to help you with UEI? I know he must do a lot for you but maybe he has some ideas of how to get your benefits back. They truly should not have cut you off.
Kitt,Thanks so much for the numbers. I will probably call one tomorrow.
All,You give such wonderful advice. I am drained right now & am heading to bed. I have had issues with work & they are running me into the ground with this project. 11 hours of work today & 11 more tomorrow. Good news is I did get some Synthroid from my PCP plus she found some other probs & so I got other meds as well. She had plenty of samples so nothing to worry about there. :) I went to the eye doc tonight since I had to work really late last night. It turns out I have a massive abcess. ugghhh! Sadly, my evil insurance company is hard at work again screwing me out of my owed benefits. I have sent off some email & will resume the angry phone calls in the morning. They are all so dumb. They tell me "Yes, you have had $3K in medical expenses this year, but you have to spend $3K in medical expenses to have a $0 co-pay". Yeah. Idiots. Their computers say I have spent everything needed & there are plenty of anectodal records stating that I should have my prescriptions paid 100%, but they are all too stupid to get past the point that the Y/N box next to "Has the patient met their $3K out-of-pocket maximum, is checked "No". I told them it's a mistake. Their own records say that there is a programming error & that my medications should be covered at 100%, but they are making me wait again. Meanwhile, my tear duct is in danger of rupturing & I am in danger of having permanent damage to my eye... but no big deal, right? OOOHH, I am so angry with them.
I promise I will get caught up on all your advice & offer support to all of you this weekend. It's just between this job & having a gazillion different medical problems which all make me tired & depressed, I don't have much energy left in me. But I appreciate & care about all of you and will remember you all in my prayers as I lay down to sleep.
“No one is as capable of gratitude as one who has emerged from the kingdom of night.” ~Elie Wiesel