Dear Jim
to say my heart goes out to you both is an understatement! I live in Virginia o i understand a bit about our crazy laws. I call my husband my hubby because we have lived together for 28 years. He has always been covered on my insurance and my company just switched insurance companies and they wanted a copy of our marriage certificate, well i dont have one so they wont cover him...we have to get married so he can be insured. Its a long story but i wanted to wait until i was 50 to get married, but it will probably have to happen sooner so i can get him covered. BUT
in regard to your house problem....i lost mine to foreclosure in 2008 it was overwhelming but now since i have lived in an apartment, it has been the best thing to happen to me. the pressure of tying to keep and pay for the house feels good to be gone. I am an office supply sales person and have always done this. the past 5 years i have been working from home. My pain level had been so high i couldnt do very well but now that it i being managed better i am selling more. My hubby doesnt work because of his health problems and he takes care of me. its hard when a strong awesome life you once had turns upside down. Im just glad we got our kids mostly raised before we fell apart. I couldnt have done this if they were little, my heart goes out to those who have little ones.
It sound like you have good people advising you but i have an awesome loan officer in Virginia if you need someone, just let me know...email me at
lorigood243@yahoo.com
blessings to you and your lovely wife Jim! I do pray that all will come to the best resolution for your quickly!
God bless you
Lori
Quote:
Originally Posted by Jimking
Thanks lorigood243 for creating this post. I wanted to post here earlier but I'm at a loss for words on top of all the battles and fires I'm putting out. My wife has RSD these past 8 years. We both are going through the worst storms in our lives together of 30 years. We are struggling for her pain relief because we lost our insurance coverage and the bills are pilling up. We are very close to losing our home and are 2 months behind on our mortgage. The banks will not deal with me because my income dropped and do not make enough money. Social Services will not deal with my wife because I make too much money.  I've had to come up with several methods to make ends meet with the help of people who know us very well and trust us on our word.
The good news is my wife, for the first time, will go before a SS admin judge this november 2 to acquire her SSDI in which it seems we've been battling for for years and it does look positive. I've filed for a home modification loan today. I also have my congressman looking into my wife's SS case and to push the bank to deal with us on the house. Our loan on the house is several years old. It is not upside down, no second mortgages or liens. We have $250,000 equity on a home in one of the few hot housing markets in the US. The bank knows this and was ready to foreclose within 2 weeks of being 2 months late on the mortgage without talking with us or going through the courts. It seems the banks are grabbing these homes at any excuse, this said by the congressman and his staff who now have a full time rep from his office to deal directly with this bank. The best news is if my wife does not get her benefit, in which she worked for 30 years and paid into, and or the bank does not approve a home loan modification I do have an investor who will back us up on preparing the house for sale quickly.
If we sell the home we will move a few miles from our State to Maryland which has a much better hi-risk Pre-existing condition insurance coverage than our current residence which is terrible to say the least. Sorry about the ranting but like I said said its one fire after another but I believe we will find less stress, very important for those with RSD of course, in a matter of months one way or another. Wish us luck!!!  |