Thread: oh god what to do NOW

you may contact the mortgage company and ask to pay the interest only, instead of the entire payment this month

Sometimes the mortgage co helps you but including all your bills into your mortgage payment if you can refinance. Ours did this and saved us! We were in a similar situation a few years ago and since we refinanced and paid everything off;/down, we have been fine. You will make it, you just have to ask for the help!!

My experiance with that is banks suck, all they do is screw u over, thats why i dont even have a bank account anymore and refuse to, I use paypal and have credit cards. and i havent been as broke since, another thing i do is have a change jar where i put all the change i have in my purse out of my husbands pockets anywhere i can find it, i never spend it, so that is for emergency's only, i have a couple hundred dollars in it, have had it for a few months, would have more but when i ran broke had to pay my electric bill with it, jus remember all bad things come in three's and then u have the good things to look forward to, will pray that help will come ure way, good luck and hope everything works out for u .

Well, I'm not feeling as bad as I was yesterday. But things still haven't changed. I WAS going to take half my IRA and chuck it into the bank account, but I would take a substantial hit. Its still a possibility, and depends on how things are in a few months I think. I can't refinance because I just bought the house in September, and I'm trying as hard as I can to hold on to it. There WAS supposed to be a renter in there, but he decided to move in with his g/f two months after he met her, and now things are as happy as they seem, so I do believe he's kicking himself for that one. I had a couple that moved in, but I kicked them out after their dog went after me.

Creditors called me yesterday about one of my credit cards....they want a post dated check. Over the phone no less. I said, I can't give that to you because I don't have any money in my account, and I don't get paid until Friday. 'Well, if you don't, then you'll be getting follow up calls and a ding on your credit' I told them they'd have to do what they'd have to do, but I don't have the money at the moment, and my house payment was way more important.

What about a debt consolidation loan?

Why did you say you had no money when you had an IRA? I think everyone here (including me) really felt like you had NO MONEY! If you have an ira & you are dead broke, of course you should that money. It sounds like you need to go to free credit counseling. Call your credit card companies & see if they will put you on a payment plan.

I really DON"T have money...yes, there is the IRA, but it's not much, and I'm already thinking seriously about cashing that out. And truthfully, I had forgotten about it. If I cash it out now, I take a substantial penalty, and it wouldn't even help is the sad thing. As for the credit counseling, I don't think I need that. I know how to pay my bills....just when the money isn't coming in the way that it was, and this is old debt btw, then you can't. I'm not late on anything except for one thing----but its really hard.

Are you agressively looking to get another renter? What about the guy that was renting from you? Has he indicated he would like to move back?

Does your boyfriend live with you? If so, is he helping with the bills?

What about a second job??, at least part time until you get another renter