I live in a tiny mountain cabin that's worth about $45 thousand, and the monthly payments is $365. I've had this house since 2004, and it's all I have left. I don't have a car, and I am not able to drive, anyway. I don't go to the movies, I don't eat out, and I don't go shopping. I get my clothes from friends, used clothing in good condition. I get most of my food from the local food bank. I try to keep my expenses down to the bare minimum. Unfortunately, cutting expenses isn't enough. I also need more income. Now, you might think that I get something from my husband's estate, but the truth is that I don't. His children get the little bit of income that remains. It isn't much.
It's one thing after another. I'm already bankrupt. I went Chapter 13, which means that I pay my past-due bills by sending monthly payments to the Chapter 13 Trustee. Meanwhile, my mortgage company keeps trying to take my house in foreclosure, even though the bankruptcy court says that they can't do that. They are not crediting the full amount of monthly payments to them, and they are falsely reporting my payments as past due, so I can't even refinance because my credit rating is in the dumpster. They are not crediting any of the payments that I make in my bankruptcy plan, and they are taking a big chunk of my direct payments for the arrears. In other words, they are double dipping, collecting twice the amount that I actually owe them.
This began back in 2007, when I suffered the first of a series of serious injuries. I couldn't make the property tax payments, so Select Portfolio paid them. I need the resources to fight Select Portfolio, to force them to be honest while I pay them what I actually do owe them.
Now I'm facing huge winter heating bills because the temperatures are much colder than normal. This is the second winter in a row with temperatures well below freezing. The HEAP program will help with one month of heating bills, but they don't have funding right now. They won't be able to help until April, which is long after the bills come due. I'm stretched to the limit, and I'm working is hard as I can and as much as I can to earn money to pay my bills. When the weather clears up, probably in April, I plan to have a huge yard sale. Meanwhile, I really need your help.
My eyesight is poor due to cataracts, but it isn't quite bad enough to get surgery to correct them. My back is so bad, due to a ruptured disk, that I can't lift more than ten pounds, and it hurts to lift more than five pounds. Yet the government has decided that I am not disabled, even though I can't sweep, vacuum, mop or do dishes. I'd be in some kind of board and care home if I didn't have wonderful friends and neighbors to help me. I can't even do my own grocery shopping.
Please help me get through this.