Author:
Diana Gibson (sad)
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Date Posted: 14:36:03 05/03/08 Sat
I am sure that you have received many messages concerning people who are losing their homes due to the inability to maintain and pay their mortgage payments.
I am hoping that my situation will arouse your interest on this situation even further.
First of all, I am not looking for fre money or sympathy. I am hoping, that after reading about our family, perhaps someone in your listening area knows of government programs, etc., to help us in the short term.
Our story: I am phsically disabled (confined to a wheelchair). I have been hapily married to my husband of 25 years. I have a 16 year old adopted daughter (she has been our blessing since she was 7 weekds old).
Our problem, for several years, was to find a home that was accessible to my needs. We finally found a home, almost two years ago, that suited my needs. The mortgage payment was barely within our financial situation, but we made the sacrifices in order to afford the home.
Since then, our financial situation has changed drastically. Because I was able to work, though disabled, I did for as long as my doctors deemed it was a hazard to my health. I had to stop working. Shortly after, I was notified by Social Security that I owed tham over $40,000 for the time that I worked and they continued paying my disability payments. The problem is that I called them frequently and let them know that I was working and I needed to know how much of my disability payments would be affected because of this. I was told time and time again that I had a 36 month perieod to continue working before my case would be reviewed. Therefore, I continued working as long as my doctor's would allow. I did work for approximately 3 years and 5 months before my doctors told me that working full time was taking too much of a toll on my kidneys and my physical strength. Again, I contacted Social Security to let them know of my situation. Again, I was told that my payments would remain the same.
My Disability payments, alone along with my husband's income still allowed us to continue making our mortgage payments.
Shortly after, my disability payments were discontinued because they now deemed I owed them well over $40k. We disputed; and they continue my payments, but deduct $600 monthly to pay toward my debt. At that point, we were no longer able to make our mortgage payments. That, along with the fact that our monthly payment went up by $700.00 monthly.
Of course, it was not long until we were given notification that we had to put our home up for sale if we could not make our payments. We took all the necessary steps outlined by credit counselors, etc. to try to keep our home. HUD asked us to file bankruptcy and they could provide a second mortgage as long as we were able to maintain the current payments to CitiMortgage. We did all this, as directed.
We have had one more downfall. My husband is unable to work due to complications from Colon Cancer surgery he had early in April. His employer will keep his position open, but he had no benefits. As long as he is unable to work, he has no income.
We have been given an eviction notice. However, we have no way of moving (since both adults are disabled right now) and we have no place to move to since I require a house/apartment that is wheelchair accessible.
For my daughter, we prefer to stay in our area (Royse City) so she can finish her high school education in the same school she is familiar with.
To date, we have neither a place to move to or means of moving there (should we be fortunate enough to find a new home).
Please, please let us know of any options available to us. If not, we will literally be homeless. Here in the U.S.A., the country I love and could never conceive such a thing happening.
Thank you for your time to read this legnthy story. God bless you for bringing this situation to light and for any help you can offer.
Diana Gibson
972-977-0547
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