Blog Catalog Discussion: Can You Help Me Keep My House?

HollytheHousewife on 'Can You Help Me Keep My House?'

HollytheHousewife — Fri, 14 Nov 2008 09:27:06 -0600

Listen ms Stone I am in the same position you are in. For the whole story read my blog.(Hollyb27.blogspot.com)this is a little of what I have been doing for over a year now. Saxon Mort. won't work w/ me so my home comes up for auction once a month.I pack my girls 4&5 yrs old a picnic and some of their fav toys we go to the courthouse steps and wait from 9AM-4pm.I ask people who come to the auction not to bid on my home and they don't.I know it is a little wacky and believe me I have to swallow a lot of pride when I do it but the important thing is I have ruffled the tail feathers at saxon mort. and I got a call from saxon last wk saying they want to do a loan modification. so what I am trying to do is promote my story and tell as many people as I can to go down to your courthouse on aution day and ask people not to take your home away. Force big buisness to work w/u. thanks for listening. HollytheHousewife
if anyone would like to reach me my e-mail is
jaykend54@yahoo.com
Hollyb27.blogspot.com

amtelemarket on 'Can You Help Me Keep My House?'

amtelemarket — Mon, 10 Nov 2008 16:00:46 -0600

Great! I'm happy for you and your kids :)

csiunatc on 'Can You Help Me Keep My House?'

csiunatc — Mon, 10 Nov 2008 14:15:01 -0600

Fantastic news, one step at a time.

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Mon, 10 Nov 2008 14:10:04 -0600

Thank you to everyone who has supported me with ebook purchases, prayers, and suggestions. I wish blessings of Joy and Grace for all of you.

My kids and I are still in our house. The bills are getting paid and our needs our met. My heart overflows with gratitude!

stefexex on 'Can You Help Me Keep My House?'

stefexex — Sun, 19 Oct 2008 00:16:49 -0500

Hi Jacqueline,
I just ran into your post - I'm a Realtor with over 20 years of experience and it sounds to me like you may qualify for a "hardship" situation with FHA. FHA is offering 2 new refinance options which would lower your monthly payment so you wouldn't have to struggle with it and you could keep your home. One program is called FHA Secure, the other is new as of this month (Oct. 1st) called Help For Homeowners ( H4H ) Loan Program. Please Visit my Blog to find information on these and other options you can take: http://stef-reblog.blogspot.com
* If you have an ARM Loan - use FHA Secure. If you have a Fixed rate loan - use H4H.

Call your lender CountryWide and ask if they will work with you on these programs. If not, call another lender - many are doing these loans because they don't want to see any more homeowners lose out...

I really hope this helps you, and good luck with your book. May God Bless You, and May Good Things Come Your Way - Stef

navuta on 'Can You Help Me Keep My House?'

navuta — Tue, 14 Oct 2008 13:24:05 -0500

Donate a symbolic 1$ US dollar on my PayPal and you win a artistic Photo that I will click the way you want specially for you, in full resolution, and you will also have the full rights belonging to the picture. http://photographyandre.blogspot.com/

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Tue, 14 Oct 2008 13:07:47 -0500

Hi, jpearce. Thanks for the ideas. I have to ask some people for permission to use their comments. It's funny you mentioned testimonials because I was just thinking about that last night! I'm going over to Craig's list to see what I can do there.

Only 307 books to go now with 20 days to get the payment in. I have to study today for my Sociology midterm. School still has to get done.

Have a great day, everyone.

jpearce on 'Can You Help Me Keep My House?'

jpearce — Tue, 14 Oct 2008 01:22:43 -0500

Another idea: Have a testimonials page on your BLOG so basically people from BC and elsewhere that have bought and read the book do a quick blurb or review. Do the same on the ordering page.

In the same post link to ordering information (keep it very simple and make it easy to purchase) and keep the same post on top until you make your payment.

Promote like crazy! Bradhart had a good idea too make fliers so when people go to your blog they see what others have to say.

jpearce on 'Can You Help Me Keep My House?'

jpearce — Tue, 14 Oct 2008 00:05:08 -0500

Have you advertised on Craigslist? You have to be creative but you can advertise under small biz, books, lessons, therapeutic...and if you're feeling gutsy post it in the RnR section of San Francisco, Chicago or Boston.

That is what I would do in a pinch.

This is off topic but can you negotiate all your other bills or put them off as long as possible to free up some cash for your mortgage? Just a thought.

I'll buy your book and help you promote too. Good luck.

josephgelb on 'Can You Help Me Keep My House?'

josephgelb — Mon, 13 Oct 2008 03:03:28 -0500

make an employment site with forums and interactive content. that is what a friend of mine told me who is an entrepreneur because right now selling things like ebooks are hard because people have no reason to spend money outside of food and the basics, the interet may not be crashing but online consumption patterns are drastically changing.

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Mon, 13 Oct 2008 01:03:15 -0500

Thank you, everyone. It is looking better and better. I so appreciate your help, your prayers, and your encouragement.

Countrywide will work with me, but they want one payment for good faith. That stand to lose about $80,000, maybe more, if they take the house. One like mine sold in the neighborhood last spring, after 2 years on the market, for $25,000 less than they paid for it 3 years earlier. There are at least 15 houses in this small development that have been sitting empty for a long, long time.

The PMI (Property Mortgage Insurance) just came off the payment!!! Bewteen that and the refi, my mortgage will be cut in half. Yippee!

I have visited and bookmarked all of you, and added you to my fav.s and follow list. Hope it gives you a lift.

Good night, bloggers. You totally rock!

kat822 on 'Can You Help Me Keep My House?'

kat822 — Sun, 12 Oct 2008 23:35:05 -0500

Jacueline, thanks for adding me as a friend, hope things are lookingup for you,

kden on 'Can You Help Me Keep My House?'

kden — Sun, 12 Oct 2008 22:32:08 -0500

Just bought your book Jacqueline!

DianneNTexas on 'Can You Help Me Keep My House?'

DianneNTexas — Sun, 12 Oct 2008 21:47:01 -0500

You are right about what goes around comes around...lol. Nice job in lending a hand to a fellow blogger. I went to your sight and followed the instructions which were great by the way and nice screen shots. Have a terrific week Anthony.

DianneNTexas on 'Can You Help Me Keep My House?'

DianneNTexas — Sun, 12 Oct 2008 21:36:33 -0500

Hello Jacqueline,

I can totally relate to your situation. It was a long time ago but my ex husband decided to go on a 3 day weekend fishing trip and he never returned. I had two small children one still only months old. He finally called me at work Tuesday morning and said I'm leaving. Yep some not all, but some men can be real jack-asses. Pardon my hostility...lol. That was back in 1982. But you just keep a positive attitude and I will keep you in my prayers sweetie and by the way I just got a copy I hope it helps.

I am a cancer survivor and I have learned to have an attitude of Gratitude for every blessing no matter how big or small. And I have also learned that by helping others that makes me happy. And trust me sweetie karma will get your hubby one way or another I know from experience.

My ex-husband, had to let his Mother-in-Law come live with him and his new wife...LOL. In closing I will just say GOD IS SO GOOD!!!

God bless you and your family,

CreditExpert on 'Can You Help Me Keep My House?'

CreditExpert — Sun, 12 Oct 2008 21:23:11 -0500

This my be of help. i have pulled up all the docs for FHA new program. Its called hope for homeowners. this took effect on Oct. 1st 2008. This program allows you to qualify for a fha home loan even if your in foreclosure, have late payments etc... it stays in effect until Sept. 30 2011. they will adjust your current mortgage to current market values and the origanl lender will write down your original note. Take a look a the docs here if this is of interest to get a lower payment on your mortgage and a credit score doesnt matter for this program. http://creditrestorationexpert.com/credit/category/mortgages/ . i really hope this helps, any other questions just ask.

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Sun, 12 Oct 2008 14:07:11 -0500

Thank you, zawadi. Your support is appreciated more than you know.

Update: People in our church this morning bought 85 books!!!
Only 310 more to go!

zawadi on 'Can You Help Me Keep My House?'

zawadi — Sun, 12 Oct 2008 09:01:13 -0500

kool i did it :) i think we need to buzz this up on other sites too!

zawadi on 'Can You Help Me Keep My House?'

zawadi — Sun, 12 Oct 2008 08:51:16 -0500

I just happened to be in the Blogshpere reading and came across this story and buzzed it up and then followed it to BC. http://work-at-home-wealth.com/blog/index.php/widgets/ is where i saw it.

OK this is a long thread and i will finish reading it. gonna see if i can get her ebook too :)

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Sat, 11 Oct 2008 00:20:28 -0500

Between bloggers, people on Squidoo, and our community at home I only need to sell another 396 books. I spoke with the pastor of our church, who is also a good friend. He invited me to speak to the congregation on Sunday, and bring fliers.
I have always had a lot of faith in people, but this still amazes me. The outpouring of support is more than I had hoped for. I believe that prayers are heard and answered and right now I have all the support I need to move forward with my life. This IS going to happen! Sometimes, you just need to be willing to risk a little embarassment and let people know that you can't do everything yourself. It is a bit unnerving to expose my life like this, but maybe I needed a little humbling to remind me to trust in the power that is greater than that which is in the world.
Good night all.

kden on 'Can You Help Me Keep My House?'

kden — Fri, 10 Oct 2008 22:29:22 -0500

Things look like they are turning around! Stay positive ;-)

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Fri, 10 Oct 2008 20:29:08 -0500

WOW! Thank you! I have just gathered the documents and blacked out the account #s, etc. Will scan them and go to that site. Thank you so much!

poisonapplesauce on 'Can You Help Me Keep My House?'

poisonapplesauce — Fri, 10 Oct 2008 19:00:20 -0500

go to www.wishuponahero.com, list the situation with as much proof as possible (a mortgage statement with the address & account # blacked out would be prefect), explain what you are selling and most people there will buy it up, after all they go to that site just to help people.

Also how much have you raised? With verification of debt and the check for January I could probably wipe out most of it. I don't really throw money at something without a lot of verification, so if there is plenty of that I may be able to toss in the remaining amount due.

Good luck either way

amtelemarket on 'Can You Help Me Keep My House?'

amtelemarket — Fri, 10 Oct 2008 18:49:49 -0500

You are right!! Getting the story on the media is the best idea (just don't put the others aside, though).

amtelemarket on 'Can You Help Me Keep My House?'

amtelemarket — Fri, 10 Oct 2008 18:44:33 -0500

What a SOB!!

king12344 on 'Can You Help Me Keep My House?'

king12344 — Fri, 10 Oct 2008 16:00:42 -0500

come and add me as a freind view my blog iwill do the same for you thank
click a few of me ads and ill buy some copies and promte it for you

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Fri, 10 Oct 2008 15:50:40 -0500

Update: One of the newspaper reporters who interviewed us last Feb is coming to the house Wednesday morning to interview me about all of this. That paper goes out to the whole county!

I went to Oprah's web site and put the whole thing up there. She has a lot of followers who would really enjoy the book. Who knows?

sophielc on 'Can You Help Me Keep My House?'

sophielc — Fri, 10 Oct 2008 15:19:21 -0500

Congrats; hope you sell lots more and I'm glad we were all able to help. I haven't been on all your sites yet but I've stumbled your abuse blog and amtelemarket's blog post too.
I am putting the kids to bed now but I'll do a bit more tomorrow.

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Fri, 10 Oct 2008 14:40:03 -0500

sophielc, what a great idea! Two newspapers did a story on us last February because we both made the All-State Academic Team. Those reporters might be interested in a follow-up story. There's also a Christian radio station that we listen to from time to time, K-Love, who might be willing to do a brief spot. I know a lot of people are in this position right now and I pray for every one of them. Maybe if I can sell enough books to pay the mortgage it will give other people ideas about how they can save their house, too.
It's funny you mention Oprah. I wrote her producers back in July about someone I know who is doing wonderful work in the world. She interviewed him a month later! You never know until you try, so it's worth a shot.

I just joined Ezine articles and am preparing some of my work for submission. You get to put a little bio and link on the bottom of them, so that should help. I'm also putting the story up on OnenessforAll.com and Global Oneness Commitment.

Quick update: I only have to sell 397 more books! Bloggers and Squidooers are the best!!!

sophielc on 'Can You Help Me Keep My House?'

sophielc — Fri, 10 Oct 2008 14:23:21 -0500

I'll go over to some of your sites and give them a bit of stumble and digg love; I'll try and lensroll and link to some if they are related to my own sites.
Try and write a few articles about your ebook (no blatant promotion, just articles that would be useful to people that would be likely to buy your ebook) and submit them to some free article directories (Ezine articles, GoArticles, etc.) and also stumble these articles.
If you are a member of any online forums, add a link to your signature if allowed.
Maybe you could try calling your local radio about this and ask for an interview; the way your ex is treating you is unbelievable; even if he's not willing to help you out he should at least think of his child who lives with you; some listeners might go online and buy the ebook out of compassion. You never know, you might get lucky if Oprah got to hear about your story (I bet you'd sell way more than 500 ebooks then!).

JacquelineStone on 'Can You Help Me Keep My House?'

JacquelineStone — Fri, 10 Oct 2008 00:02:12 -0500

Thanks for all the input. Bloggers Rock!
Countrywide wants me to short-sale the house. It's in both our names, but he wants to go bankrupt. I have talked with them about it, but they don't like the fact that I'm disabled and self-employed. It doesn't show reliable income. I am applying with HUD, but they want to see me make one solid payment. Then they will refi the house at a much lower interest rate, lower payment.
As for my ex helping out, he said I should take the kids to a homeless shelter.

seaglassorganic on 'Can You Help Me Keep My House?'

seaglassorganic — Thu, 09 Oct 2008 20:47:27 -0500

Have you talked to Countrywide about your situation? They don't want your house. They should be willing to negotiate something with you. Is it in your name or your husbands? or both? Maybe family or even your ex would be willing to help you out temporarily and then you could sell the house after it's out of foreclosure and split the diff. I don't know just trying to give you some ideas. Check out ClarkHoward.com, he may have some specific info for you.

AngieSS on 'Can You Help Me Keep My House?'

AngieSS — Thu, 09 Oct 2008 20:42:18 -0500

I know this is a really tough time for you, but have you discussed your situation with the mortgage lender? Maybe they can defer your payment for a month or two. It's worth a try. I'm sure they would rather see you stay in the house and keep paying your mortgage, rather than have it go into foreclosure in this kind of market. Chances are that it would sit on the market for a long time. I hope that you are blessed with a good resolution to your situation.

Shiley on 'Can You Help Me Keep My House?'

Shiley — Thu, 09 Oct 2008 20:38:05 -0500

I've just stumbled your sites and that should get traffic to those sites I hope.

amtelemarket on 'Can You Help Me Keep My House?'

amtelemarket — Thu, 09 Oct 2008 20:32:09 -0500

I've had a busy day today and just could rush over here a few hours ago. Now I came to comment and can see that Jaqueline already answered you to address your concerns.

You were right anyways, being played fool is not funny. But I just went to read her blogs and had a good hunch abour her (is not unusual that I act on impulse, LOL).

cooper on 'Can You Help Me Keep My House?'

cooper — Thu, 09 Oct 2008 20:24:18 -0500

Go to ebay and auction off copies of the book with as much proof as possible as to your situation. It is highly unlikely people who do not know you are going to give money due to internet fraud so there has to be some way to verify the information.

amtelemarket on 'Can You Help Me Keep My House?'

amtelemarket — Thu, 09 Oct 2008 20:09:49 -0500

Go to Jaqueline's shopping cart (http://www.shop.journey2happiness.com/). If you want a step-by-step guide go here: http://work-at-home-wealth.com/blog/index.php/2008/10/09/stumble-digg-buzz-tweet-and-post-this-help-a-fellow-blogger-not-to-lose-her-home

Anok on 'Can You Help Me Keep My House?'

Anok — Thu, 09 Oct 2008 18:52:07 -0500

Get an agent? I dunno, sorry.

bradhart on 'Can You Help Me Keep My House?'

bradhart — Thu, 09 Oct 2008 18:41:00 -0500

Push it in the physical world not just the cyberworld. Put up tear away fliers call up churches, clubs, etc and tell them why you are trying to sell it and see if you can address their members or if they will pass along your flier.

kat822 on 'Can You Help Me Keep My House?'

kat822 — Thu, 09 Oct 2008 18:36:00 -0500

I just saw this , sorry to hear of your situation, I know nothing about marketing and selling stuff online, will keep you in my thoughts and send good thoughts your way, good luck