16 CFR Parts 317 and 318: Mortgage Assistance Relief Services Rulemaking
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HI, DUE TO THE HOUSING MARKET BEING SO BAD I TRIED TO DO REMODIFICATIONS
ON MY TWO HOMES AND IT HAS BEEN A TOTAL NITEMARE! RESULTING IN BOTH OF
THEM GOING UP FOR AUCTION, WHICH WAS NOT MY INTENTION WHEN I STARTED THE
PROCESS. ON MY HOME THAT I LIVE IN NOW, I WAS NOT GIVEN AN OPTION ON
ANYTHING THAT I COULD DO TO SAVE IT AND THEY DID NOT TELL ME UNTIL 7:00
THE NITE BEFORE AUCTION THAT I WAS DENIED THE REMODIFICATION. I PAID A
REMOD SPECIALIST $3000 AND I KNOW HE ILL-ADVISED ME ON SEVERAL DIFFERENT
OCCASIONS. BUT, I THOUGHT AT THE TIME HE NEW WHAT HE WAS DOING. AND, ALL
OF OBAMA'S COMMERCIALS MADE IT LOOK SO EASY AND WONDERFUL. I TAKE CARE OF
MY BEDRIDDEN, SEVERLY DISABLED FATHER THAT CAN'T RECEIVE ANY STATE
ASSISTANT BECAUSE HE RECEIVES TOO MUCH MONTHLY INCOME(PENSION & SSI) WHICH
ACTUALLY IS BEING USED BETWEEN TWO HOUSEHOLDS, BECAUSE MY MOM IS SICK AS
WELL AND SHE RESIDES IN ANOTHER HOME. I AM APPLYING FOR SSDI AND HAVEN'T
WORKED FOR ALMOST A YEAR. I HAVE A 14YR OLD THAT RECEIVES NO CHILD
SUPPORT. SO, MY QUESTION IS ANY SUGGESTIONS ON WHAT I SHOULD DO NOW? MY
CREDIT IS RUINED, MY DAD CAN'T QUALIFY FOR ANYTHING BECAUSE NOW HIS CREDIT
IS RUINED ALSO. HIS INCOME IS USED TO SUPPORT HIS WIFE AND HER HOUSEHOLD
EXPENSES. SHE CAN'T QUALIFY FOR ANYTHING BECAUSE SHE DOESN'T MAKE ENOUGH
MONTHLY INCOME ($530 SSI). AND, WE CAN NOT ALL LIVE TOGETHER BECAUSE IT
WOULD CREATE MENTAL ANGUISH TO ALL INVOLVED AND ALSO BECAUSE OF
TRANSPORTATION ISSUES DUE TO MY SONS SCHOOL LOCATION. ANY HELP WOULD BE
GREATLY APPRECIATED. THANK YOU PAM
Sincerely, PAM HILL