Foreclosure & Loss of Job

Wow! I thought I was at risk for insanity. I have been married for 28 years and we have 2 adult sons whom we are constantly helping financially. What we are not facing is a major illness, so I have much to be thankful for. You are probably exhausted mentally with just dealing with his illness, let alone financial let downs. My husband is close to retirement and his company is facing closure which may be temporary or permanent, the workers there are in limbo not knowing the future.

Have you contacted any social service organizations to determine whether you are eligible for any benefits?

Be very careful you make the right choice with your bankruptcy. If you decide to file bankruptcy,think twice about whether you file a 7 or not. I look back now and wish i did file a 7 that would of made us loose our home but i could of started a new life. We paid the secured and priority claims thinking after five years we would be done. The sad thing is the trustie is charging 25000.00 and intrest has been added to the original claim amount. I thought the claim amount had the intrest included boy we were wrong! So after paying for five years i found out today we have another 5 months. Sometimes we have to much pride to let our home go and it is sad when you have kids and you spent so much time in it. If your debt amount is not that big then you might want to reorganize the debt. In our situation we made a very poor choice!

I can relate to your pain. I was recently let go from my job of over 8 years with a major organization. I tried transferring out of my position but was told that the department had invested too much time in me. After multiple attempts to get out I was let go 2-1/2 weeks ago. I am the sole income of the household where I reside with my daughter who is in college and a grandchild. Now I am unemployed with possibly no hope of receiving unemployment which is not enough to pay the mortgage or car note. The most devastating thing right now is being without healthcare. I am a transplant recipient two years ago and I am on two anti rejection medications which cost $1000.00 each a month without insurance. Now I am wondering how I am going to pay the day to day bills not to mention a mortgage and car note. I am not sure what way to go at the present time. I am trying to keep my sanity especially since we are not entering the holiday season.

Chinadoll

I too was permanently laid off in October 2008. My husband has been disabled with a terminal illness for the past 16 years. We have one daughter who is financially struggling herself. We have two home equity loans that were taken out to help just get us by. I have used all my retirement money just to be able to stay in our home. I also suffer a disability that keeps me from holding a position for very long. I know once I find a job, I'm not going to be able to hold onto it due to my disability, but also applying for disability at this point will cause me to lose our home, which I promised my husband I would keep his wish of passing away here. It's been a long struggle, but I keep my head up and hope for the best and keep on trucking!!

Good Luck and God Bless!!!

I know exactly what you're going through. My husband lost his job over 2 years ago. We have been married for 30 years and have 2 adult children, one just graduated from college last April. My husband kept thinking he would get another job (he was a very successful executive in the mortgage busines for 30 years) so he kept paying the bills but it became impossible to continue. We are losing our home and have had to file bankruptcy. We have had to live apart because we can't even afford rent payments so he is living with a relative and I am living with a friend. I have found another job (I was a stay-at-home mom and worked partime the last 4 years) but I am an hourly wage earner and barely make enough to cover personal expenses (hairspray and mouthwash have become luxury items). My husband still cannot find employment and is now delivering furniture on a cash basis when he can (not really a job). Our 28 year old daughter cannot find a job teaching and the job market is so competitive in California it's ridiculous. Our son in law finally got hired by the state after trying for over a year to become a state beach lifeguard. Our son that just finished college, is living in NYC trying to make it in the performing arts (a lifelong goal) but we have had to tell him at 22 years of age that he is completely on his own. OUr lives have been devastated and I don't know how we will ever be able to put everything back together. A lot of people don't understand how terrible this is but I have learned to accept any financial help anyone will offer. It is extremely humiliating. I am basically a homeless person with a job.I feel that Oprah can do an entire show on this because there are so many of us out there experiencing this.

Hi bonogirl09

Your story strike me! I just joined as a new member so i hope that this reply fines you well - with a resolution to your unique situation. First off a i hope that all is well with your husband's cancer. Your youngest son with the car that you and husband pay for, if your son is not using it for work purpose since he is old enough to drive, maybe he could get a job to pay for his own car and insurance which will promote self relious and responsibility with the sense of pitching in with understanding of sacrifice you and your husband are making for him to have his own car. Maybe the car could be used for something that will cause it to pay for itself (deliveries, newpaper route if it still exist, charging a fare for his riders, rent it out to responsible adults on a per week basis with a job who car may be down etc.). If you have a craft skill maybe start a home business to generate an income. I have to get offline now, but there ae so many other solutions. If you have resolutions already please share! I hoped that i have help in some way and not meant to hender in anyway.

God Bless your family with good outcomes!

I'm sorry for your situation. Please look into getting free medication from the drug companies and ask your transplant clinic for help in getting your meds in the interim. There are programs for patients like yourself who must have their meds.

Best of luck to you.

I think that whom ever did the job vs. credit search to GET a job has ruined it for us little people!!! I have been on 23 interviews in the last 6 months w no jobs to come my way. Which is odd. I've ALWAYS found a job before. Being a housewife , makes it easy to find work thats easy to accomidate, but w a adveragely poor score now a days its very diffecult to understand why and who passed this law that employeers can do a credit search on a future employee! I think they r wrong!! And I think that

the USA contributed to this position of jobless citesens because of the credit search. How do they expect us little people

to get where everyone else is unless we work at it!!!!!!!!! Cant find a job because of questionable credit!! Lets face it

theyve got us hard workers in a run around going in circle with no way out!!!!