Well as most of the villagers here know we have a lot of debt and just enough money to cover that debt. Now here is the tough part or new white cap on our situtation:
Congress did not pass the UIA extention before they broke for Easter. So My benefits have been exausted according the Michigans UIA website. From what I have seen on different websites, even if they do pass something many (up to 200,000) will not get any further assistance from UIA.
To top that off I still can not find a job, I am lucky enough to have two children I watch giving me approx 1000.00 a month.
The bad news?! DH was laid off, and his employer says they did not pay into unemployment because there are only 4 employees. I am not sure if this is true, but I made DH apply anyways.
I am waiting to hear back from the mortgage company on our in house mod. We did not qualify for the HAMP program, but they are offering 5 years @ 2%, 6th year 3%, 7th year $%, and 8th year to life of loan 5%. So if Fanny Mae accepts this new loan our payment would go from $1047 a month to $695 a month. We are supposed to hear something by the 15th of April. I am keeping my fingers crossed.
We no longer have any insurance, so I applied for My Child with the state of Michigan for DD. She is only 4 and NEEDs insurance. I also applied for food assistance.
I am really not sure what else I can do. I already feel like I have taken advantage of the "system" by asking for help, but I just don't know what to do. I don't want to lose my house, and we could turn everything off, and move in with my parents until things turned around. That way we would still have our home when our situtation changed. I will not lose my home, I have put way to much money into it/down on it to walk away now.
I have hurd of a Federal program that will assist you with your bills for no longer then 2 years and you can olny get benefits once in your life time, but I am not sure if they would consider us. I will have to ask when we have our meeting at the DHS office.
Thank you for letting me get this out and any advise would be great!
Congress did not pass the UIA extention before they broke for Easter. So My benefits have been exausted according the Michigans UIA website. From what I have seen on different websites, even if they do pass something many (up to 200,000) will not get any further assistance from UIA.
To top that off I still can not find a job, I am lucky enough to have two children I watch giving me approx 1000.00 a month.
The bad news?! DH was laid off, and his employer says they did not pay into unemployment because there are only 4 employees. I am not sure if this is true, but I made DH apply anyways.
I am waiting to hear back from the mortgage company on our in house mod. We did not qualify for the HAMP program, but they are offering 5 years @ 2%, 6th year 3%, 7th year $%, and 8th year to life of loan 5%. So if Fanny Mae accepts this new loan our payment would go from $1047 a month to $695 a month. We are supposed to hear something by the 15th of April. I am keeping my fingers crossed.
We no longer have any insurance, so I applied for My Child with the state of Michigan for DD. She is only 4 and NEEDs insurance. I also applied for food assistance.
I am really not sure what else I can do. I already feel like I have taken advantage of the "system" by asking for help, but I just don't know what to do. I don't want to lose my house, and we could turn everything off, and move in with my parents until things turned around. That way we would still have our home when our situtation changed. I will not lose my home, I have put way to much money into it/down on it to walk away now.
I have hurd of a Federal program that will assist you with your bills for no longer then 2 years and you can olny get benefits once in your life time, but I am not sure if they would consider us. I will have to ask when we have our meeting at the DHS office.
Thank you for letting me get this out and any advise would be great!