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Married, 3 Kids, Husband Has Cancer and Trying to Refinance Mortgage. – Anna

“Dear Steve,

Married has 3 children and a husband who has a cancer.I’m the only one working and my husband’s SSS was freeze for overpayment ,that made it harder for our finances . I used credit card for most of our bills for payment and now waiting for my bank ( Bank of America ) to process my refinance for my mortgage.I am not allowed to be late for my monthly payment or else they will stop the processing of my refi.I am looking for a lending company to help me pay my mortgage for at least 2 mos and consolidate my credit cards payment.

How are you going to help me ? Need your advise and help to solve my misery.

Anna”

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The Answer

Dear Anna,

Boy, talk about a multitude of swirling issues!

We have the refinance, loss of income, medical debt, and SS overpayment.

It seems that you’ve sealed your path by saying that you can’t do anything till the refi goes through. That appears to be your top priority at the moment so everything else would be on hold till that is resolved.

But the more important question here is if you can afford your new mortgage payment and everything else once they finish the refinancing. If you can’t then it’s a moot point.

How much longer is the social security freeze going to be in place? Will you be able to afford all of your bills after the refinancing? What is the plan to deal with the loss of income?

When it comes to debt consolidation loans I generally suggest LendingClub.com. If you decide to go that route, let me know and if they approve you I’ll help to fund your loan.

I hope your husband is recovering swiftly from his battle with cancer.

Please post your responses and follow-up messages to me on this in the comments section below.

Big Hug!

Married, 3 Kids, Husband Has Cancer and Trying to Refinance Mortgage.   Anna
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Married, 3 Kids, Husband Has Cancer and Trying to Refinance Mortgage. - Anna by

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About Steve Rhode

Steve Rhode
Steve Rhode is the Get Out of Debt Guy and has been helping good people with bad debt problems since 1994. You can learn more about Steve, here.
  • anna

    Steve I have a lot of debt,its started when my husband stop working ,he has LTD,but its not enough to pay off all of my bills,all in all we have 13 credit cards,personal loan,car loan,a mortgage,”line of credit” and thats another story…my busband is trying to get his retirement to help out to pay some of our credit cards but that will take forever and they will just take at least 30%.now I’m about to go borrow money to onemain financial to pay my mortgage ,i’m short and i dont want to wait another 6 mos,to be able for me to reapply again for my refi.My husband will start his 4th treatment on the 16th of Jan,just hoping I can do more,I might apply to debt consolidation but my credit score will not be good,because of my refi

  • mary

    Does she not know that Social Security will waive an overpayment if it causes financial hardship? Did she take an appeal when they received notice of her husband’s cut in benefits?

    • anna

      I think , I submitted my response to your post to steve instead to you

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