My DH got laid off two months ago, and this month will be our first month we won't be able to make the house payment.:sigh:

I keep trying to remind myself that the Lord allows everything to happen for a reason, but some days it gets hard to do.

Andrea

I am so sorry for this..................love, thoughts and prayers coming your way!!!

Yes, it is hard sometimes to understand that all things happen for a reason but things work out. My mom used to say that 90% of what we worry about never comes to pass. Hang in there. Call the bank and keep the lines of communication open with them.

This is probably a silly question as I'm sure you have already done this but do you have a budget down on paper? This will help in the months to come...see where you can get back. It's hard; been there and got the T-Shirt......we are here for you!

This must be very hard, I am sorry y'all are having such a hard time.

I was where you are at just 2 months ago...I know what you are going threw. My hubby and I got 2months behind on the mortgage, we are still trying to get caught up on that. Hang in there! I know it is hard, if you need to talk or vent I am here! :hugz:

I'm so sorry. I know it is scary. Try calling them and see if they can delay a payment or what their policy is on late payments. Keep your chin up and don't give up. Lots of good thoughts coming your way.

Prayers to you.

I'm so sorry. Prayers for you and your family! Hugs!

I am so sorry for all you are going through. I will be praying for you .

Angel

Sorry for the hard time you are going through, things will get better.

I'm sorry! :hugz:

Sorry that you are going through this. I will keep you and your family in my prayers.

I am sending you good vibes.. you will work it out. I would also call the bank and keep the lines of communication open. Maybe also check with the Catholic church in your area, sometimes they will help with rents and utilites.. wouldn't hurt.

Thank you all for your support. We have been through this before with them, I'm just not looking forward to it again. The last time my DH got laid off(2 years ago) they were not very cooperative with us, I had one guy ask me if there was anything we could pawn to make the payment.

My husband is trying to find work in a different area of employment, he is in the tech industry which has not been very stable for several years now, a lot of our work is being offshored. He has been laid off 7 times in the last 12 years. He is also getting to the age where we have been told it will be hard to find employment in our field(he is 53). I have been very fortunate in my job, I am in the same industry but have only been laid off once in the last 7 years.

I know we will get through it again, just some days it gets overwhelming.

Andrea

I am so sorry to read of your situation, and will keep you in my thoughts and prayers.

Hang in there like you did last time - I'm hoping your lender will be a little more willing to work with you since they may have numerous customers in the same boat as you....

I'm in mortgage lending so have been laid off a few times over the years as well - I'll be thinking of you.

Sending prayers that things will look up for you and your husband soon.

Seems like the jobs leave the country but the bills stay here.

Blessings and strength to you and your family.

well, I hate to offend you - and please know that is certainly not my intention, but do you have anything you can sell?

will they accept a partial payment?

good luck!
:hug2:

Prayers to you, I hope your DH finds another job soon and you are able to catch up.

Thanks everybody, I'm in a better mood today.

Hubby talked to the bank yesterday, they will not help. They refused partial payments, said "full payments or nothing" and if we pay nothing they will take us to court. I don't know if they can do that or if they are just trying to scare us.

We do have a vehicle we have been trying to sell, a motorcycle, but being in the middle of winter, we have had 0 calls on it. We will have to see what happens when spring comes around.

I've decided that whatever happens, happens. The Lord knows what he is doing, and if we lose the house, he may have a better one in store for us sometime down the road. I need to just start trusting Him and stop stressing over things I cannot change.

Thanks again, sometimes it just helps to be able to vent.
Andrea

Andrea,

I'm so sorry you are having to go through this at this time. Please know that my thoughts and prayers are with you and your family. Don't give up hope on selling the car or motorcycle just yet. It may be the season, and it could be the fact that it's Christmas, but I know there is someone out there who wants/needs either. Hang in there sweetie and keep the faith!

Remember the teapot, while up to it's neck in hot water, still continued to sing.

Can you guys do seasonal work in order to make the house payment? Lots of retail locations and shipping companies (UPS, FedEx, etc) are hiring this time of year. UPS even provides health benefits for its part time package handlers. :catfly:

Perhaps give these people a call??

Colorado Foreclosure Hotline: http://www.coloradohousingcounseling.com/docs/colo_foreclosure_hotline.pdf

Have you tried taking the motorcycle to a CarMax Location? They advertise here in Floirda that they'll buy your vehicle even if you don't buy theres.
Are you listing it on Craigslist? Do you have any cycle dealers in your area? Have you called them to see if they buy? Do they have bullentin boards you can advertise on?
We're getting ready to get in tht same boat with you next month (Jan). We have been out of work since October and all of our jobs have been put on hold because of the ecomony. The new resturants that we had on our schedule to work on have all been put on hold til after the first quter, thats 2 Carrbbaa's and one Applebees. We've gone throught our ef over the last 3 monthes paying mins and staying afloat. Have had garage sale to sell off extra stuff and have posted on our local Share Network that DH is a painter and will take on small one room jobs. But with the tight ecomny here its not working. Loads of places here are laying folks off. Home Depot just closed a Customer Service Center and liad off 750 people, not a good time here.
Taking jewerly to a local buyer tommorrow to keep things going.

Laurie in Bradenton

I don't have any advice, I just wanted to send some :hugz: your way. I will keep you and your DH in my prayers.

I'm so sorry for what you are going through. I hope it gets better soon!

We did have the bike listed in Craigslist for both Denver and Phoenix, but had no calls on it.
The dealers around here will only take used bikes on trade-in, plus with this being winter, it is a bad time to try to sell a bike.
In one way, I'm not really dissapointed, it is so close to being paid off I would really hate to sell it. I think we were just kind of having a panic moment at the time.
I know things will work out, this was just the first month we didn't have any savings left to cover our debts, and got twitterpated over it.
Hubby has looked at trying to find temp work but unfortunately, being a college town, he can't find anything that doesn't pay less than what he is getting for unemployment.
We have a friend that has a snow removal business so he has gotten to help him a couple of days there, and the pay was low enough it didn't hurt his unemployment.

After reading the "Rags to Riches and back again" thread I feel like we are really doing well compared to what could be happening. :-)

Andrea

Try to hang in there. You optimism is good that everything will work out. And it always does. Take care.

The best thing for you to do right now is to take this one day at a time. Do what you can for today and let tomarrow worry about its self.

If you can save up enough to make the payment even it its a months late send the payment it.

I know that with a positive outlook things will turn around.

Warm hugs being sent your way.

I know and understand what you are going through. My dh was laid off and unemployed for 18 months. It was a very scary time for us.

You said it in a previous post about Trusting in the Lord. Keep doing that and continue to ask for guidance, He will never fail you.

My dh was in his field for 20 yrs and couldn't find a job as he was "over qualified" he ended up with a new career in a new field making 1/2 of what we were used to.

But you know what? He loves it and is so much happier. We are happier as a couple as we went thru the "dark valleys" together. Yes the Lord never left our side and gave us something better!

I will pray for you and your family.

Hang in there. You can only do the best you can each day. Keep your head up and just do whatever you can. Hugs!

I am so sorry to hear that you are going through this. Please continue to lean on God, he will see you through.

I am sorry for this

:hugz: to you :hugz:

Just had another little setback, I have just been diagnosed with Diabetes, does anyone know where I can find frugal recipes that are diabetic friendly?

Thanks,
Andrea

Big hugs to you. . . .:hug2:

I am sorry that things are so tight, but I do encourage you to try and make your house payments. Banks can be very quick with a forclosure. Can you offer the bike at a cost a bit below market? You will make less, but you will have some cash then on hand to tide you through. Good luck!

Go to the library and hit the cookbook section! There are hundreds of book son diabetic cooking. Use lots of whole grains, veggies and lean meats. Sound familiar? :)

Talk to your lender. My sister just went through that. She called her lender and requested a deferment. They agreed. The payment she missed will be put at the end of her loan. SHe was told that she can do that a couple of times during the loan.

It couldn't hurt to ask!

Many blessings

Thanks for all the suggestions, the bike still has not sold, we are asking almost $10,000 under the value of the bike (it was appraised at $25,000, we are asking $15,900). We'll see what happens when spring comes, this is a bad time of year to try to sell one.

The banker is not willing to work with us at all, a few years ago when DH was unemployed they let us do a deferrment, but will not do it again.

On the bright side, DH has a couple of interviews after the first of the year.

Lori - I plan on hitting the library tomorrow, I saw the diabetes educator yesterday and now have a meal plan to work with :). Going to try to find some low carb cookbooks.

Andrea