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Old August 26th, 2012, 12:24 AM   #1
zook94
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Default So now, my life is FUKED completely. (long, no cliffs)

6 years ago I had to walk away from my house of 20+ years, because the SSDI system had to drag their heels in paying backpay, they couldn't decide on a date. We tried to work with GMAC Mortgage, but they were not having any of the sob stories, the bottom was falling out of the market as we were waiting.

We took a step back, and looked realistically at what we could do to come up with a reasonable solution to the problem. My Father in law had been living off of me since his wife died in 96, and he was an alcoholic headed for a dirt nap. He ended up in the hospital having one of his feet amputated, and was full blown diabetic, had to be monitored 4 times a day, and insulin shots. At 55, he had never owned a house, or had any credit other than GMAC, who were taking payments out of his paycheck at 29% interest....

I got him straightened out with a nice credit union, worked with a mortgage company, bought a house, moved everyone in, and resumed life with his GM income, my SSDI, and life was good. He had never had any money before, so now he was able to buy luxury things like a travel trailer, permanent lot up by rose city, extra cars, etc.

Today the bottom fell out. He went to a doctors appointment on Thursday, and the PCP scheduled him for a CT scan of his abdomen. He hadn't been telling my wife he was having any problems, and had been hiding the fact that he was packing his underoos with paper towels. When he stood up, he would leak blood from his rectum. CT results: stage IV colon cancer, metastisized in his liver, his kidneys, and stomach.

He'll be lucky to live 3 months. They are going to try surgery to cut out the bleeding in his colon, so they can get a better picture of how bad the rest of the cancer is. The oncology department wants to try a single round of chemo, with radiation, to see if it has any effect on his affected cells.

Throughout all of this, the plan was to refinance his house, and put my wifes name on the deed, so that we couldn't be tossed out on our ear if/when he croaked. I called today as him to the mortgage company, and asked them for a loan modification. They said that he qualifies for one, but with how long they are stretching things out, he may be dead before they get the process completed.

The house has 2 mortgages, 80/20 with 0 down, got us in the door immediately. The day after the papers were signed, the value of the house went from $150k to 69k, pretty much overnight. This company is offering to modify the loan to put us at a 5% positive equity, with the guarantee that if we sell, they get 25% of the capital gains. Sounds fair, we aren't selling for at least 30 years, and who knows what the market will look like then.

I'm still waiting for a heart transplant, and until there is a modification, we do not earn enough money to live in this house. Mortgage is $1200 monthly, and I only bring in $1800/mo with SSDI.

Is there anyone in the system, that plays this game, who can help steer me in the right direction? I'm in no shape to move all of my stuff to another house, wouldn't want to if I could, and plan on dying here, whenever that shall be.

Help me unfuck myself? Please?
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Old August 26th, 2012, 12:32 AM   #2
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sorry to hear. Hope things get better
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Old August 26th, 2012, 12:50 AM   #3
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Apply to every and any 'mortgage help' organizations. Do everything possible to pay. I did that and the mortgage company was persuaded by one of the organizations to cancel my debt, it was a smaller loss for the mortgage company.

That's about all I got. Good luck.
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Old August 26th, 2012, 01:09 AM   #4
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wish i was of some kind of help. hope it all works out for you an the end
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Old August 26th, 2012, 01:15 AM   #5
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Looked up the paperwork, this was the organization that negotiated on my behalf.

Yes, they are in Ohio, but have branched out nationwide.

http://www.esop-cleveland.org/index....d=27&Itemid=32
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Old August 26th, 2012, 01:36 AM   #6
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The payments are current right now, but the house is not in mine or my wifes name. We thought about having our 15 year old son get adopted by his Grandfather, if he had time left, which would put him in line for the house even without a will, and he would collect some of grandpa's pension and social security. I will look into your link BlooMoole, thanks.
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Old August 26th, 2012, 01:46 AM   #7
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Hahahahahaha.
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Old August 26th, 2012, 02:14 AM   #8
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Yeah, I know right? Fawking hilarious aint it? Any way he can have a retard badge, or name change to summers eve-o?
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Old August 26th, 2012, 02:16 AM   #9
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Sorry to hear about your predicament bro, good luck and god bless with everything
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Old August 26th, 2012, 02:25 AM   #10
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Quote:
Originally Posted by zook94 View Post
Yeah, I know right? Fawking hilarious aint it? Any way he can have a retard badge, or name change to summers eve-o?
hahahahahahahahahahahah gasp hahahahahahahahahahahah

I am in no way laughing at your father in laws health problems, just your piss poor money managment skills and unwillingness to earn a living.
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Old August 26th, 2012, 02:35 AM   #11
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The best part, this Dramady unfolds in Saginaw.
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Old August 26th, 2012, 02:39 AM   #12
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How the fukc am I supposed to hammer out a living with an artificial heart pump? I can't do a single thing without a hospital trained support staff trained in how to diagnose, and repair problems with the pump components.

Piss poor money management skills? I spent over a year waiting for Social Security to start to pay me back the insurance premiums that I had paid in to them, being swallowed by the system having lived off of my nest egg for over a year. I don't get paid enough to put that cash back, asshole.

You have piss poor people skills, and have trouble with reading comprehension, don't you? You are definitely retarded, please drink bleach.
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Old August 26th, 2012, 02:44 AM   #13
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Quote:
Originally Posted by zook94 View Post
How the fukc am I supposed to hammer out a living with an artificial heart pump? I can't do a single thing without a hospital trained support staff trained in how to diagnose, and repair problems with the pump components.

Piss poor money management skills? I spent over a year waiting for Social Security to start to pay me back the insurance premiums that I had paid in to them, being swallowed by the system having lived off of my nest egg for over a year. I don't get paid enough to put that cash back, asshole.

You have piss poor people skills, and have trouble with reading comprehension, don't you? You are definitely retarded, please drink bleach.
rule 34 ????? profit?
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Old August 26th, 2012, 02:51 AM   #14
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In 2002, the threshold or SGA amount (Substantial
Gainful Activity) for net self-employment earnings (or gross wages) is $780
per month for non-blind individuals and $1,300 for blind individuals. For
non-blind individuals receiving SSDI that equals only $9,360 per year in net
self-employment income.
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Old August 26th, 2012, 09:02 AM   #15
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Quote:
Originally Posted by zook94 View Post
How the fukc am I supposed to hammer out a living with an artificial heart pump? I can't do a single thing without a hospital trained support staff trained in how to diagnose, and repair problems with the pump components.

Piss poor money management skills? I spent over a year waiting for Social Security to start to pay me back the insurance premiums that I had paid in to them, being swallowed by the system having lived off of my nest egg for over a year. I don't get paid enough to put that cash back, asshole.

You have piss poor people skills, and have trouble with reading comprehension, don't you? You are definitely retarded, please drink bleach.
You don't have to explain yourself to a poor excuse for a human being. He probably feels worse about himself, that is why he has no compassion for others.
Have you thought about a quick claim deed for the property and home?
Sorry to hear about your troubles. That sucks, will be praying for you and your family.
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Old August 26th, 2012, 09:49 AM   #16
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Go do a quit claim deed for the house and have your wife's name put on it. Pretty quick and easy.
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Old August 26th, 2012, 10:06 AM   #17
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Quit claim deed, that's what we did w/my dad's place, altered (legally) the title to include mine, my moms and brothers names..
property defaults to us when he passed, just don't miss a payment.
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Old August 26th, 2012, 10:16 AM   #18
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Quote:
Originally Posted by hammerlane View Post
Quit claim deed, that's what we did w/my dad's place, altered (legally) the title to include mine, my moms and brothers names..
property defaults to us when he passed, just don't miss a payment.
^^^^^^This

With as sick as your father in law is he may not make it to do and sign paperwork for as slow as the banks are.
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Old August 26th, 2012, 10:29 AM   #19
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Sorry to hear,I can only offer sympothy and prayers as I have no exsperience with something like that.
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Old August 26th, 2012, 10:42 AM   #20
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Sorry to hear this. Try every option you can, and stevo you are a waste of human flesh. This man is loosing a family member, he him self is very sick and his family might loose there home and you laugh? Karma us a bitch dude. To zook my prayers are with you and your family, Never Give Up!

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