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<blockquote data-quote="Hound dog" data-source="post: 360123" data-attributes="member: 84"><p>Deep breaths klmno. </p><p></p><p>Most loan companies cannot foreclose/remove you physically from the house for several months. I'm sure there is a legal process they have to follow, just as a landlord does a renter. I'd go thru the phonebook in morning and call attorneys and find one who will give you phone advice or 1/2 hr free advice. Many do, but don't advertise the fact. You can ask them how this process works and how much time you have to make plans, ect. I would also attempt to call the loan company and speak with them again. I'd go as high as they'll let you. (lower ppl tend to like to bully cuz it makes them look better to their bosses if they can either get you to make a payment you can't afford to make/or leave without them having to rack up legal fees) Be open and honest with them. It never hurts to try and all they can do is tell you no they can't make a new agreement.</p><p></p><p>If they can't make a new agreement, and it was me.......I'd be having the largest yard sale in history and get rid of everything I either can't move and can live without. While sitting at the yard sale......I'd be on the phone to community action and county services and getting the low down on every program they have available and finding out what I qualified for and sign up for it. If difficult child is still underage, you should qualify for a HUD subsidized apartment which is solely based on income....so no worries about affording it, and most come with utilities paid. It shouldn't matter if difficult child is living with you at the moment or in placement, the point is he "could" be living with you in the future. I knew a couple that was granted a HUD apartment and the mom was still fighting to get her kids back from CPS.<img src="/community/styles/default/xenforo/smilies/tongue.png" class="smilie" loading="lazy" alt=":tongue:" title="tongue :tongue:" data-shortname=":tongue:" /></p><p></p><p>That would take care of the 2 basics. Money in your pocket, and a place to stay. Once those 2 things are settled, you shouldn't feel quite as panicky. </p><p></p><p>I'm so sorry it's come down to this, my friend. </p><p></p><p>(((hugs)))</p></blockquote><p></p>
[QUOTE="Hound dog, post: 360123, member: 84"] Deep breaths klmno. Most loan companies cannot foreclose/remove you physically from the house for several months. I'm sure there is a legal process they have to follow, just as a landlord does a renter. I'd go thru the phonebook in morning and call attorneys and find one who will give you phone advice or 1/2 hr free advice. Many do, but don't advertise the fact. You can ask them how this process works and how much time you have to make plans, ect. I would also attempt to call the loan company and speak with them again. I'd go as high as they'll let you. (lower ppl tend to like to bully cuz it makes them look better to their bosses if they can either get you to make a payment you can't afford to make/or leave without them having to rack up legal fees) Be open and honest with them. It never hurts to try and all they can do is tell you no they can't make a new agreement. If they can't make a new agreement, and it was me.......I'd be having the largest yard sale in history and get rid of everything I either can't move and can live without. While sitting at the yard sale......I'd be on the phone to community action and county services and getting the low down on every program they have available and finding out what I qualified for and sign up for it. If difficult child is still underage, you should qualify for a HUD subsidized apartment which is solely based on income....so no worries about affording it, and most come with utilities paid. It shouldn't matter if difficult child is living with you at the moment or in placement, the point is he "could" be living with you in the future. I knew a couple that was granted a HUD apartment and the mom was still fighting to get her kids back from CPS.:raspberry-tounge: That would take care of the 2 basics. Money in your pocket, and a place to stay. Once those 2 things are settled, you shouldn't feel quite as panicky. I'm so sorry it's come down to this, my friend. (((hugs))) [/QUOTE]
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