Keep my home #YouCaringGives

For: Tessa Dick
Crestline, CA
Organizer: Tessa Dick
$2,711
of $5,000 goal.
Raised by 73 donors
54% Complete
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The Story

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 also get a few things at thrift shops. 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 cracked my skull, broke my leg, tore the ligaments in my knee and broke a few ribs. 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. 

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 toward the end of May, I plan to have a huge yard sale. We got snow yesterday. We keep getting freezing rain, too, on this mountain. 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.

Fundraiser Updates

Posted on May 25, 2017

Posted on May 25, 2017

My dentures broke several months ago, and I never did get to the top of the waiting list for Medicaid to get them fixed or replaced, so I finally went to a dentist and paid $385 to get them sent to a lab for repairs. I really need my teeth to be able to eat properly and speak clearly. I don't know how I'll get through this financially, but it really was necessary. Thank you all for helping. My immediate need is for enough money to get my shower enclosure replaced, so I can actually use it instead of doing sponge baths. You all helped me to get the new bathroom floor, which I really appreciate. No more holes in the floor, and no more skunks trying to get in through the holes. 

Posted on May 23, 2017

Posted on May 23, 2017

Wednesday morning I see a dentist about getting my broken dentures repaired. I hope it doesn't cost too much. I kind of need my teeth.

Posted on May 21, 2017

Posted on May 21, 2017

I've found a dentist who can get my old dentures repaired. New ones would cost a couple thousand dollars, so it's better to spend a few hundred to get my old ones repaired. I met Dr. Bialecki at the local health fair yesterday. I really need to be able to wear my dentures because I can't eat properly without them. Thank you for helping me to reach my goal, so I can get my teeth fixed, get my house fixed and keep making monthly payments for my legal fees to keep my home. 

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