I am in dire straights. My husband passed away after 40 years of marriage he was my sole source of income. I receive $1,030 dollars from his military pay. I am bankrupt. I am losing my home.
I have been contacted by Consumer Legal Services of America. They say they are going to try and help me they have not ask for any money yet. I’m scared…that old saying “if it sounds too good to be true” keeps ringing in my head.
I am 8 months behind on my mortgage.
Thank you for contacting me. I’m so sorry to hear of the passing of your husband.
It seems the bigger issue here isn’t who you work with but if working with anyone will solve the underlying issue of not having enough income to pay your bills and live each month.
You said that his income of $1,030 was your sole source of income. I don’t have any clue how much your mortgage payment is but whatever it is I’m sure it chews up a great deal of your income.
This is more a math problem than anything else. The fact you are 8 months behind tells me that no matter what, the home may just be unaffordable for you now.
If you have any equity in the home you might want to look at selling the home as quick as possible to get your equity out. No matter what, your most important issue is going to be how you can afford to live on $1,030 a month either after you quickly sell the home or after it is lost at foreclosure.
Have you looked into going to work or finding any job to help supplement your income? Are you eligible for any Social Security survivor benefits you might be eligible for?
One place to look for an entry level job just to start making some additional money is SnagAJob.com. These are entry level service jobs but I’m not sure what, if any, job experience you have,
If someone at Consumer Legal Services of America is trying to help you, the first question I would ask them is what their proposed plan is for you based on your limited income. I’d like to know what their plan is to help you get caught up on the mortgage and afford your full mortgage payments moving forward.
Maybe you can ask them and post their response in the comments below.
More importantly, what is your plan to survive on $1,030 a month? Have you investigated public benefits yet? If not, look at Benefits.Gov to see what you may be eligible for that you are not yet receiving.
You might want to read Widow or Widower: How to Handle the Bills After the Death of a Loved One.