Sorry to hear about your troubles.

I more yes than no post the following food ministries, Angel Food Ministries. Check them out, if you haven't already. Here are the ones in your area (using your profile location):

http://www.angelfoodminis...rch=Search

Here in NYC we have a program called a "One Shot Deal" (emergency assistance). Provided by the Dept. of Human Resource Administration (HRA) for NYers who have fallen behind on their bills. I don't know if mortages are included for homeowners. Nor what the wage (K) is. But I've heard that they extend help with other bills. Please check within your state for such help. I also know that in some cases, HRA requires a full or partial reimbursement. Meaning it's a loan. Do try. All they can say is "No."

your state or city can help.

Stay positive, beloved. I know it's easier said than done. @)--}------

I'm a bit of a nosey bastard - and I'm fortunate enough to make a humble living out of my natural curiosity. I'm pretty low-paid but manage to get by. So I have to ask - due to this inquisitiveness and envy at your salary - how did you end up in such a shithole while bringing in $100,000 a year? Are you driving around in one of those cunthead fuck off 4x4 SUVs? Are your wive's tastes expensive? Do you privately educate your children? Do you like cocaine? I'm genuinely curious as to where it all went wrong. Did you just reach for too much trying to fill the void?

sorry to hear of your misfortune. I, like Number23 am curious how this happened to you. If there's a way into a mess, there's a way out of it.

Number23 said:

I'm a bit of a nosey bastard - and I'm fortunate enough to make a humble living out of my natural curiosity. I'm pretty low-paid but manage to get by. So I have to ask - due to this inquisitiveness and envy at your salary - how did you end up in such a shithole while bringing in $100,000 a year? Are you driving around in one of those cunthead fuck off 4x4 SUVs? Are your wive's tastes expensive? Do you privately educate your children? Do you like cocaine? I'm genuinely curious as to where it all went wrong. Did you just reach for too much trying to fill the void?

Legitimate question. Just plain fiscal stupidity. Bad investments. Too many loans, first when we fell short but then loans to pay off loans. I blame myself primarily as my wife has so many responsibilites and has trusted the finances to me. Chapter 13 has been an ordeal and they changed the terms on us last minute that have made it much tougher than what we expected. Also, I have tried so many schemes to make money and all of them started off okay and ended miserably.

We have nothing. For the forth year in a row, we really couldn't give each other Christmas presents which makes the holiday season kind of a bummer. If not for my boss loaning me some money we could not have bought my girls Christmas presents. I drive a 99 Toyota Camry with brken windows and a Check Engine light I can't get fixed. My wife drives a Sienna which her Mom helped her pay for but now she is not talking to us because we couldn't make a payment. She is very much not understanding or doesn't want to understand out money situation.

No drug habit. No void filling. No SUVs. We have no posessions worth anything substantial.

I'm basically just an idiot with an addiction to saving my family by whatever stupid financial means neccessary.

Number23 said:

I'm a bit of a nosey bastard - and I'm fortunate enough to make a humble living out of my natural curiosity. I'm pretty low-paid but manage to get by. So I have to ask - due to this inquisitiveness and envy at your salary - how did you end up in such a shithole while bringing in $100,000 a year? Are you driving around in one of those cunthead fuck off 4x4 SUVs? Are your wive's tastes expensive? Do you privately educate your children? Do you like cocaine? I'm genuinely curious as to where it all went wrong. Did you just reach for too much trying to fill the void?

Many people spend more than they earn and you get in a hole if you have high expenses to begin with.

Also depends on WHERE he lives, some places 100k/year salary doen't go too far.

Expenses-costs of living-spending, all have to balance. Unfortuately Gotta's in the middle-class and this may hurt him, many places may turn him down for help he really needs.

I am real sorry to hear this is happening to you. I had this fear...and almost lost my home due to a 2nd mortgage mistake. I was lucky enough at the last minute to gain the money I needed and thanks to some changes when Obama took over, the 2nd mortgage was dropped and I was able to pay it out for way less then what was owed.

I pray that something opens it's door to your family and helps you out with a way to keep your home. You are in my thoughts.

I know so many in this same crisis, I think more middle class people need the help they deserve. I hope gotta gets the help his family needs.

My worst was probably 2009, though it had one great highlight. 2010 was good for me overall. I think my life was pretty stagnant before then and I did a lot more to get ahead. Got a new job, a better one at that. I started college. Got out of all of my debt, aside from car payments. I got to spend my first Christmas with my daughter since 2006. I proved to myself I am ready to move on from past relationships. I think I made a lot of positive changes. Hopefully I can build on all of the progress this year and see my daughter more often, get more college work done, perhaps land an actual relationship (not that it's necessary, but I do want one), become better at my job, and establish a decent amount of savings.

We'll see what happens.

2010 was not my worst year ever, but it wasn't the best either. many things went wrong for my family, and i'm honestly glad the year is over and behind us. now i know that in the next 6 months or so we have a lot of things to prepare including maybe moving, job transfer, etc....but if we do move it will be a good thing.

all of you are in my prayers, and i hope 2011 will be a good year for all of us.

I ended my four-year relationship a few weeks ago. Then spent New Year's Eve with two friends of mine (who are a couple) and watched their ten-year partnership unravel before my eyes. Absolutely the most devastating New Year's I've ever experienced.

VoicesCarry said:

I ended my four-year relationship a few weeks ago. Then spent New Year's Eve with two friends of mine (who are a couple) and watched their ten-year partnership unravel before my eyes. Absolutely the most devastating New Year's I've ever experienced.

Damn.

VoicesCarry said:

I ended my four-year relationship a few weeks ago. Then spent New Year's Eve with two friends of mine (who are a couple) and watched their ten-year partnership unravel before my eyes. Absolutely the most devastating New Year's I've ever experienced.

You witnessed their break-up?

With the exception of the thread I had a few years ago where I detailed the adventures of accidentally wearing my wife's maternity pants to work, this is my favorite thread I have ever been a part of at the Org. The sheer goodness of those of you thinking of us and praying for us is more meaningful than you will ever know. I really wish I knew you all as more than just screen names that I have seen and words I have appreciated for years. I have read some of the responses to my wife, who has been really stressed today and is feeling very bad physically, and she thanks you too for your kindness. Our hearts go out to all of you who had a bad year as well...we're all in this together and it is my wish that the lot of us have a better 2011.

Thank you, Org.

GottaLetitgo said:

With the exception of the thread I had a few years ago where I detailed the adventures of accidentally wearing my wife's maternity pants to work, this is my favorite thread I have ever been a part of at the Org. The sheer goodness of those of you thinking of us and praying for us is more meaningful than you will ever know. I really wish I knew you all as more than just screen names that I have seen and words I have appreciated for years. I have read some of the responses to my wife, who has been really stressed today and is feeling very bad physically, and she thanks you too for your kindness. Our hearts go out to all of you who had a bad year as well...we're all in this together and it is my wish that the lot of us have a better 2011.

Thank you, Org.

for you and your wife... things will work out.

paintedlady said:

VoicesCarry said:

I ended my four-year relationship a few weeks ago. Then spent New Year's Eve with two friends of mine (who are a couple) and watched their ten-year partnership unravel before my eyes. Absolutely the most devastating New Year's I've ever experienced.

You witnessed their break-up?

Yep. It was like going through my own recent break-up all over again, except this time seeing it from the fly-on-the-wall perspective. Have spent most of today crying.

VoicesCarry said:

paintedlady said:

You witnessed their break-up?

Yep. It was like going through my own recent break-up all over again, except this time seeing it from the fly-on-the-wall perspective. Have spent most of today crying.

I understand that kind of heartbreak.

Like Gottoletitgo,

there have been extreme money issues and had to sell the house and move etc etc it took one hell of a toll on me- failed some uni subjects last semester, so not happy about that. I'm hoping 2011 will be better and hoping I graduate this yr even though i will have to do more than 8 subjects this yr...hoping no one goes to jail....among other things.

Sorry to read about your pal passing Zombie

[Edited 1/1/11 23:08pm]

roseypink56 said:

Like Gottoletitgo,

there have been extreme money issues and had to sell the house and move etc etc it took one hell of a toll on me- failed some uni subjects last semester, so not happy about that. I'm hoping 2011 will be better and hoping I graduate this yr even though i will have to do more than 8 subjects this yr...hoping no one goes to jail....among other things.

Sorry to read about your pal passing Zombie

wow, good luck this year how did you go in Italian?

My friend was a very new friend, hardly knew him, but it was a friendship that we planned to keep up

Call me 2nd week Feb, I'll shout you a movie xx

ZombieKitten said:

roseypink56 said:

Like Gottoletitgo,

there have been extreme money issues and had to sell the house and move etc etc it took one hell of a toll on me- failed some uni subjects last semester, so not happy about that. I'm hoping 2011 will be better and hoping I graduate this yr even though i will have to do more than 8 subjects this yr...hoping no one goes to jail....among other things.

Sorry to read about your pal passing Zombie

wow, good luck this year how did you go in Italian?

My friend was a very new friend, hardly knew him, but it was a friendship that we planned to keep up

Call me 2nd week Feb, I'll shout you a movie xx

Thanks hun Just passed it. Got no italian next semester thankfully, looking at doing IBL this year though, hoping i am approved as i have extensive media experience mostly in writing.

Awwww , so sad!

Note me ya number hun! Movie sounds like fun! xxx

roseypink56 said:

ZombieKitten said:

wow, good luck this year how did you go in Italian?

My friend was a very new friend, hardly knew him, but it was a friendship that we planned to keep up

Call me 2nd week Feb, I'll shout you a movie xx

Thanks hun Just passed it. Got no italian next semester thankfully, looking at doing IBL this year though, hoping i am approved as i have extensive media experience mostly in writing.

Awwww , so sad!

Note me ya number hun! Movie sounds like fun! xxx

Done!

GottaLetitgo said:

With the exception of the thread I had a few years ago where I detailed the adventures of accidentally wearing my wife's maternity pants to work, this is my favorite thread I have ever been a part of at the Org. The sheer goodness of those of you thinking of us and praying for us is more meaningful than you will ever know. I really wish I knew you all as more than just screen names that I have seen and words I have appreciated for years. I have read some of the responses to my wife, who has been really stressed today and is feeling very bad physically, and she thanks you too for your kindness. Our hearts go out to all of you who had a bad year as well...we're all in this together and it is my wish that the lot of us have a better 2011.

Thank you, Org.

that was one of my all-time favorite threads too. god bless you and yours dear. you deserve a reprieve and happy ending if only for the sheer beauty and originality of that thread...

VoicesCarry said:

paintedlady said:

You witnessed their break-up?

Yep. It was like going through my own recent break-up all over again, except this time seeing it from the fly-on-the-wall perspective. Have spent most of today crying.

I am so sorry, I hope you come out of that funk soon. Wish I could hug you in person.

XxAxX said:

GottaLetitgo said:

With the exception of the thread I had a few years ago where I detailed the adventures of accidentally wearing my wife's maternity pants to work, this is my favorite thread I have ever been a part of at the Org. The sheer goodness of those of you thinking of us and praying for us is more meaningful than you will ever know. I really wish I knew you all as more than just screen names that I have seen and words I have appreciated for years. I have read some of the responses to my wife, who has been really stressed today and is feeling very bad physically, and she thanks you too for your kindness. Our hearts go out to all of you who had a bad year as well...we're all in this together and it is my wish that the lot of us have a better 2011.

Thank you, Org.

that was one of my all-time favorite threads too. god bless you and yours dear. you deserve a reprieve and happy ending if only for the sheer beauty and originality of that thread...

co-sign!

GottaLetitgo said:

Haven't posted much this year. Have missed it.

I don't know about everyone else but in my estimation, 2010 has been my personal worst year ever. Just about everything that could go wrong did this year. Have been paying back mortgage payments (twice the usual amount) since May and had to take out multiple loans to keep the house. Got so far behind that I couldn't keep up with the mortgage payments anymore and now the foreclosure process has started. We are so strapped financially that I really don't know where will be in a month. It's taken a toll on my wife's health and certainly a strain on the marriage. My family is everything for me and it is harder and harder to keep it together in front of my children. I have to raise $6000 by late January and it might as well be 6 million. My parents and others have bailed us out in lesser situations but I don't want that anymore. I don't want someone to have to take their money and bail us out when they didn't make the mistakes, I did. We have had this house for almost 13 years, it has been the only house my girls have ever known. I don't know how we're going to tell them...I am just completely bummed.

I have made so many mistakes financially. Me and my wife make close to $100,000 a year, we should be able to do this. We have almost completed Chapter 13 (9 more months) and yet I feel so completely defeated.

Can't blame a year for this. It's like George Michael sang, "you say the magic numbers and you say goodbye to the stupid mistakes you made". I still want to take 2010 out and beat it like they beat the fax machine in "Office Space".

Sorry for being down. Just losing my faith right now and since 2004 when I joined the Org, many of you have helped me through so many criseses. Just looking for a bit of advice or a friendly word.

I do hope you all have a safe and happy New Year.

Oh man, I'm so sorry to hear this.

This damned economy. Its rare to hear of a family doing well financially at this point.

I'm so sorry to hear about your home. I see this EVERY DAY at work, it is so sad.

In the end you will get through somehow. I don't know how, and I don't wanna sound like I'm saying something just to say it, but its like I tell my kids. We don't have a pot to piss in, but we are rich in love. I know you guys are too.

I hope this year is better for you.

I'm so sorry to hear about your financial troubles.

I have a great deal of respect for how you have taken responsibility for the situation. Some would blame everyone else instead.

My prayers go out to you and your family.

Nothinbutjoy said:

I'm so sorry to hear about your financial troubles.

I have a great deal of respect for how you have taken responsibility for the situation. Some would blame everyone else instead.

My prayers go out to you and your family.

Thank you very much for your kind words. I was thinking a great deal about this last night. This process is very upsetting but I do not blame Wells Fargo. There is no villian in this story twirling their mustache. The guy I talked on the phone with last week was an a-hole but then again I guess they get hundreds of calls a day from people like myself who didn't fulfill their part of the contract. I work in a college and we have some students who don't meet the requirements and, well we send them letters or tell them on the phone. It's not personal, there are just rules that must be followed. And I tried, I really did. If there is a villian in the story its me...I took out too many loans to pay for the house and then all I could do was take out loans to pay for the other loans. I put us in jeopardy, I did this. I didn't mean to but I did. In the end, other than losing a loved one, this has always been one of my greatest fears and damn if I didn't let it happen.

Idiots and dreamers should never own houses.

Don't beat yourself up! LEARN!!

Don't be an idiot. Always be a dreamer!