help Desperate

[Elissanjuice]

 

Hello .

My name is Elissa, I am 50 yrs old. I live in New Jersey. I am desperate and at the end of my rope. I have Multiple Sclerosis. In 1999, when all of my children were old enough to start school, I went to work full time. I worked at the school that my children attended. I worked with disabled children. My MS was not too severe at that time.  In 2010, my health started to decline, and I was not able to continue working. I can’t put into words how much I LOVED the children and my job. I battle with depression because I feel so worthless and nonproductive because I am not the mother, wife, and person that I used to be. I’m now on permanent disability. The loss of my income was very hard on us. My husband has a good job, but my income paid the mortgage. I tried over and over again to get a loan modification to lower my mortgage payments. I also was denied three times for disability, and then was finally approved after I hired a lawyer. Trying to get a loan modification was a nonstop roller coaster. After sending in the same paperwork over seven times, and a different case managers on my file every other week, my loan being sold to another company, not receiving documents that I was told were sent to me, and being given incorrect phone numbers or email to contact people, my home ended up selling at sheriff sale back to the mortgage company. I have tried over and over again for months, to try and speak to the correct person so I can buy back or rent my home. No one who is actually in charge will speak to me. I get told basically by the receptionist that the answer is no. With everything that has gone on with trying to get the loan modification, I have not made payments towards the house in a long time. They would not except any payments from me while I was in the process of trying to get a modification. Our credit is absolutely horrible now. I do not have a large sum for a down payment. In the past years I have spent large amounts of money other things that were necessary. We had a new septic system installed, which cost $25,000 last April, college tuition for my children, and out-of-pocket money for medications for MS that were not covered by our insurance , but are now, thank God! Also, my neurologist in New York city does not except any insurance, so all appointments are paid out of pocket and are very expensive. 

I go to the TSCH  MS Research Center in New York. I am not asking for a handout or anything. Like I said, my husband works and I am on disability. We can afford a mortgage or rent payment of $1600 a month.  The mortgage company is only going to make repairs and put my home up for sale. We moved in here in 1997. I raised my 3 sons in this house. They are going to evict me on February 28th. I have always taking care of the finances. My family does not even know how bad it has gotten. I’m so ashamed. I am so stressed out . I’m falling apart mentally and physically. Right now I have a fractured rib. I have osteoporosis, which I got from receiving IV steroids over the past 20 years each time I would have an MS exacerbation. I can’t even sleep. Please, please, please, help me!I am desperate!!! I am  a nobody, and the mortgage company will not even consider talking to me. Does anyone possibly know someone that could help me, possibly a celebrity or something? If someone important or famous were to call and ask to stop the eviction and let me stay in my home, and somehow buy the house back, I know they would definitely listen. It’s so wrong of me to have the nerve to write this message. But I need help so bad! Please. I’m begging you. Can you help me please? I’m running out of time. I don’t even have anywhere planned to go when they evict us. Please, can you help me?? Please help me get out of this nightmare. I’m on new medicine for MS. It’s called Ocrevus. I know without this worrying and stress, my body would be getting better. Please help me. I am saved . I was raised Catholic, but never truly accepted Jesus into my heart. In 2005 my oldest son was a freshman in high school and he joined a youth group. Through my son, I know God was calling me back to him.  I was born again November 2005. Praise God!Jesus is my Lord and Savior. Please help me. I will pay it forward, I promise. I know that is what God has planned for me.  It is only by His Grace that I live to do everything in my life for His glory. Please help me. 

[ayin jade]

Hi, sorry to hear about all you are going through. Have you tried to contact your local congressman or senator? They might be able to pull a few strings and get you help. 

[SisterActs2]

Hi Elissa

I am praying for a miracle for you.  Keep praying and praising Jesus.

Edited February 20, 2018 by SisterActs2
Elissa's name spelled incorrectly. Apologies.

[Elissanjuice]

3 hours ago, SisterActs2 said:

Hi Ellisa

I am praying for a miracle for you.  Keep praying and praising Jesus.

Thank you for your prayers, it brings me comfort ???

[Elissanjuice]

4 hours ago, ayin jade said:

Hi, sorry to hear about all you are going through. Have you tried to contact your local congressman or senator? They might be able to pull a few strings and get you help. 

I didn’t think of that. That is definitely a good idea. I’m gonna try finding someone to try and contact. Thank you ?? ❤️

[wingnut-]

Praying for you as well, that God opens a door for you.

[BK1110]

Praying for you! Another idea might be to contact local news stations to see if one of them has a consumer reporter who helps people with problems like this.

Be sure to post in the prayer forum when you can, lots of people looking to pray for those in need!

[Elissanjuice]

That is a good idea. Thank you. ❤️?

[Wayne222]

Praying I really hope something goes in your favor. You might want to look to rent for now. This world is hard. We need the lord favor and help. Praying for favor for you. Keep trusting God no matter what happens he will make all things good.

[Debp]

Yes, do contact your politicians and also your news stations.   Our TV news has helped people in your situation.

Also, see if there is some free legal aid...if the Mortgage company did something illegal, a lawyer could help you.

Also, since you are on permanent disability, you should find a doctor who will accept Medicare.  Medicare would pay 80% of your bill.  Also, if you find a kind doctor, he or she might not charge you the 20%.  It doesn't hurt to ask!

Try to calm down with the Lord's help...but please contact people to help you.