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Prayers needed — I'm singing the "can't pay my rent blues"

(24 posts)
  1. Hey, everyone, I could really use some prayers and white light right now, for me and my boyfriend.

    We own rental property in Whitney, and because of high electric bills last month and some expensive medication for him and for me, the rent money we will take in this week will not be enough to pay the mortgage, much less the apartment we live in in Waco.

    My check from work is not enough to cover all of my bills right now, much less pay the rent.

    We are both in debt up to our eyeballs.

    My mother has already helped me out twice in the past couple weeks, once to repair my car air conditioning, and once for living expenses.

    My father had knee surgery and a root canal list month and isn't in a position to help.

    His mother is on a fixed income.

    He gets a disability check, which was eaten by the electric bill.

    Short of not paying for part of the mortgage, or trying to get another loan that I can't afford to pay back, I have no idea what to do.

    And he suffers from depression and anxiety, so I can't really talk to him about it.

    Plus we are beginning the legal process with the jerk we're buying the property from.

    I feel like I'm Atlas, trying to hold up a world that's slowly falling apart.

    I keep telling him that the property we own is a money pit, but he's still fighting to retain control of all of it.

    Anyway, I could use some TDK white light right now, and help seeing the bigger picture.

    Posted 3 years ago by Cats4Cats #

  2. ((hugs))

    I'm sending white light, good vibes and prayers your way, Catherine. You certainly have a right to feel like Atlas. I hope the big picture soon becomes clear for you.

    xoxoxox

    HM

    Posted 3 years ago by HuddysMama #

  3. White light on its way sweetie....

    Today is the day that you let God handle your problems. Just close your eyes and say "God, today I'm going to let you take care of everything." He wil, hun.

    Posted 3 years ago by BCAMflorida227 #

  4. Prayers and White Light on the way Catherine..Have you talked to the mortgage company, many these days are will to work with you because they have way to many in foreclosure..

    Posted 3 years ago by 2bpurring #

  5. Catherine, I sympathise - here, {{hugs}} first.

    Now, I don't know how things work in the States, but here in the UK, one is encouraged to speak to the mortgage company at the first hint of difficulty, rather than waiting for things to get really bad. There may be a possibility of restructuring your mortgage - extending the term maybe, or agreeing to pay interest only for am agreed period of time.

    You could also look at consolidating your loans into one which might reduce the overall monthly payment.

    Do you have debt counsellors over there who could advise?

    Posted 3 years ago by MadcatwomanintheUK #

  6. Cath, I know your pain. I am sending you white light, positive thoughts and prayers. I hope the weight of the world will soon come off. ((HUGS))

    Posted 3 years ago by cricketsmama #

  7. The mortgage is held by one man, a complete jerk who is now claiming that we aren't currently buying the property because all we had with him was an oral agreement. He is also saying that if we want to buy the property, we have to do three or four different things, some of which aren't any of his business anyway. So we've hired an attorney.

    And I don't know who to trust as far as debt consolidation is concerned.

    Pardon the unfluffiness, but that guy has ripped off many people besides me and my boyfriend.

    Posted 3 years ago by Cats4Cats #

  8. Prayers and TDK White Light coming your way Catherine...these are such hard times. {{{Hugs}}} We're currently existing on a fixed income too. Work for a man in a town of approx. 2000/or less in economically threatening times is impossible. One mill closed down here and the other has no turnover for work. We do alot of praying these days and have plenty of room for you in them. :)

    Posted 3 years ago by Karenopa #

  9. First off ((HUGS)) and then positive energies.

    Debt consolidation - my take on it. Don't do it. If you can't make the individual small payments, you won't be able to make the one big payment! And you'll have one more payment - to the debt consolidators.

    These are tough times for many many people, and I wish I could help everyone. Can only keep myself afloat at this point.

    Posted 3 years ago by 2 Popoki #

  10. Prayers and white light for you and BF Catherine. [[[HUGS]]]

    Posted 3 years ago by Buttercup #

  11. Wow, you have a lot on your plate. Sending you prayers and positive thoughts that things will work out. Hope you can find a lawyer who will work pro-bono for you until things are worked out with the property guy.

    Posted 3 years ago by SylMiaFelixMomma #

  12. Catherine, first let me give you a hug as well. {{{HUGS}}}

    We Realtors have a saying about oral agreements--they are not worth the paper they're written on. An oral agreement is legal, but not enforceable. In other words, if you had made it to the closing table on a handshake or oral promise, everything is legal. If one party backs out, it is not enforceable because it's not in writing. Maybe the laws are different in your state, but that's how it is here. I'm sorry to be the bearer of bad news, but wanted to let you know before you spend money on a lawyer--first find out if you have a case at all.

    Posted 3 years ago by Catwoman #

  13. Catherine - I'm sorry to hear that things are so tough for you right now. Sending loads of positive energy, white light and hugs to you, your boyfriend and all your family! {{{HUGS}}}

    Posted 3 years ago by Rubia in CA, 4/28 #

  14. Forgot to add the prayer that you requested...

    Heavenly Father, we lift up Catherine to you. You see her situation and the situations of others here on TDK. We ask you to bring blessings on this little group in unexpected ways. You say that you will provide all our needs according to your riches in glory. Thank you in advance for answering our prayers. In Jesus name, amen.

    Posted 3 years ago by Catwoman #

  15. Prayers and Healing White Light coming your way, Catherine. {{{HUGS}}}

    Posted 3 years ago by miu #

  16. Catherine prayers, positive thoughts and white light heading your way..

    Posted 3 years ago by Crazycatman - CA #

  17. ((((Catherine)))) I'll keep sending positive vibes your way.

    Posted 3 years ago by KYKAT 12 23 #

  18. Catherine I am so sorry you are feeling the stress. Please let your lawyers handle what they can and take some pressure off you. I agree with turning things over to God--he has a plan and you will see that clear picture. Prayer of help, strength, and peace to you Catherine.

    Posted 3 years ago by SoxsMom #

  19. Catherine, you and your boyfriend are in my prayers.

    As for the bills, you may want to call your creditors and arrange some type of extended payment plan. Everyone is hurting for money, and a little money on a regular basis beats them driving you into bankruptcy.

    As for the property, you may just want to let it go. It sounds like a no-win situation, and with property values these days, it is easier to cut your losses than to throw good money after bad. Some lessons cost more than others, but you learn from all of them.

    Please don't worry. We are here to listen, and peace is coming to you.

    Posted 3 years ago by Emma #

  20. Cathrine,
    Prayers to you, peace and white light. I'm so sorry that you are having difficulty. I don't know much about debt consolidation except what I read. Essentially, don't hire someone that expects you to pay them, they probably don't have your best interests at heart. If you are in Waco I would check with a Baptist non-profit orginazation. There must be some located in Waco. Peace and blessings to you.

    Posted 3 years ago by Puddytat #

  21. Catherine I agree with Puddytat. A non-profit is not going to take even more from you. Has anything transpired with the lawyers??

    Posted 3 years ago by SoxsMom #

  22. Catherine, worrying about money sucks! I can sympathise, believe me. Do they have citizens' advice bureaus in the States? Am sending positive energy and hugs!

    Posted 3 years ago by jcat #

  23. I've been in your situation many times Catherine. I pray something will change for you and you can be eased from the stress and anxiety that money problems can create.

    Posted 3 years ago by krazikat #

  24. Catherine, how are things going?

    Posted 3 years ago by Emma #


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