Reply #181: This is one of those times where I wish we could do a "proper fundraiser". [View All]

[mwooldri]

This is about as close as we're going to get on DU, as DU needs donations itself just to exist and pay the server bills plus the admin's wages - they made this site their job too.

TexasLady, I just hope that 100 people will pitch in and donate $25 apiece. That may get the mortgage bastards off your back at the very least. I know others upthread have donated so that number of people donating $25 apiece will have dropped and I know it's dropped again (check paypal.com).

That other thread up-post saying everyone should have an emergency fund - I didn't want to dignify that poster with a direct response... in your case it's what's happened when the emergency fund HAS ran out and all the other emergency cash has been tapped.

I wish you all the best with your medical situation. Obviously 2009 is your personal Annus Horriblis (to borrow the words from Lizzie Windsor).

I don't know what the financial situation for your family is going to be like in the long run. I hate to play the devil's advocate at this point and please don't take this as coming off the wrong way. To keep it simple: plan for the worst and hope for the best. Consider filing Chapter 7, plan on losing the home but fight to keep it. The mortgage company may be a bastard but consider calling them daily so they don't call you (fair debt collection practices act generally forbids them calling you if you've made contact with them recently). I wish they'd hurry up with the social security disability claim situation too - once that goes through then it should open up things like Medicaid (maybe) and Section 8 (if it comes to it).

I'm glad you've reached out, and I wish you all the best. At the end of it, you have something more valuable than any house or bills or things: your family. I admire you for fighting for them.

Regards, Mark.