I’m being sued by my electric company. (Connecticut Light & Power) I have a very high bill , as a result of being on several payment arrangements over the years, because I am low income. My daughter has severe, life threatening asthma, and I am on the medical protection program to ensure her safety. I tried to work out an agreement with the lawyer’s office handling the lawsuit, and originally, they were going to have me on a payment arrangement of /week, or so I thought. Now, they’re claiming that they’d need my month’s usage plus a payment towards the rest of the bill to be able to settle the lawsuit, which I can’t afford. I don’t work because I have complications from having Lyme disease, and I have PTSD, and my husband is only on unemployment, with only 6/week, when we have a mortgage payment of 1157.33 a month, and were already behind some. I explained this already, and they don’t want to help me at all. I just honestly need some serious legal advice. Without the judgement and cruel comments, please. Should i file bankruptcy? What happens if I have to go to court? I honestly don’t have the money, and am so afraid and confused right now. Please help!!!

And please, no cruel comments about my life. People on this site love to knock others down all the time, and right now, I have more than enough to deal with, obviously.

Thank you so much for your help, i really, genuinely appreciate it.

Technorati Tags: amp power, asthma, connecticut light, judgement, lawyer, legal advice, light amp, love, lyme, lyme disease, medical protection, money, mortgage payment, payment arrangement, should I file bankruptcy, unemployment

Exactly how much debt would one have to be in in order to file bankruptcy? I am at a point now where I am about to lose my house and I have had to stop making payments to my credit cards just to be able to barely make my mortgage payment. When I got my house I was making better money b/c of lots of overtime and now I am lucky if I get my 40 hrs a week. There is no part time jobs available around here that I have been able to find and I don’t know what to do. Already took out a personal loan last year and that only helped for a little while. And it’s hard to find a room mate who can actually keep a job and pay their bills…plus everyone thinks its too expensive living in this house ( I completely agree)…so any thoughts on what I should do?

Technorati Tags: bankruptcy, credit cards, job, money b, mortgage payment, overtime, part time jobs, personal loan, room mate

My husband and I make good money for our area but when we had our son we found out he is disabled and has alot of medical problems so we had to file bankruptcy from all the medical bills. we can afford a monthly mortgage payment but cant afford a down payment is there anything out there for us.

Technorati Tags: bankruptcy, medical bills, medical problems, money, mortgage payment

OK….So my Mom (She’s 72) filed bankruptcy protection 7 months ago as she has a retirement income and only one house….So now an attorney for the bank that holds a small mortgage on the property has filed a motion to "Lift the stay" on the house so the bank can immediately foreclose on the property. BUT….She has never failed to pay the monthly mortgage payment or been late on it. Even after she filed for protection. So….How can I help her? Should she file a answer to their motion right away to the judge? Her bankruptcy attorney is busy or wont help. I’m trying to get her to find a new attorney…But for right now, what should she do? How do these things play out?? I’ve had a hard time understanding how a bank can expect to foreclose on someone who’s paid their mortgage? Will the judge take them seriously when they’re dealing in speculation (What might happen) and not absolutes?? Thanks for any help!!
Not sure if any of the covenants of the mortgage have been violated…What’s an example of that type of violation? All I know is that she’s paid every month on time.

Technorati Tags: 7 months, absolutes, bankruptcy attorney, bankruptcy protection, covenants, hard time, mom, mortgage payment, retirement income, speculation

I WAS EMPLOYED BY THIS COMPANY I BELIEVED I WOULD BE HELPING HOMEOWNERS FACING FORECLOSURE AND GET LOAN MODIFICATIONS FOR PEOPLE IN FINANCIAL TROUBLE. THIS COULD NOT BE FARTHER FROM THE TRUTH I SLOWLY REALIZED I WAS DOING NOTHING BUT SCAMMING THESE PEOPLE .

FIRST OFF THEY OPERATE UNDER 2 NAMES MORTGAGE CRISIS SOLUTIONS BEFORE YOU ENROLL IN THE PROGRAM AND THATS THE NAME THEY TRY TO KEEP CLEAN, THEN ONCE YOU ARE ENROLLED ALL CHECKS ARE MADE TO PROPERTY SOLUTIONS SPECIALISTS THAT WAY BY THE TIME YOU REALIZE YOU HAVE BEEN SCAMMED OUT OF THOUSANDS OF DOLLARS YOU HAVE BEEN PAYING PROPERTY SOLUTIONS SPECIALISTS FOR MONTHS AND THAT IS WHO YOU ARE MOST LIKELY TO FILE COMPLAINTS AGAINST AND THAT IS WHY MORTGAGE CRISIS SOLUTIONS IS NOT REGISTERED WITH THE BETTER BUSINESS BEAREU AND IF YOU CHECK PROPERTY SOLUTIONS SPECIALISTS WITH THE BBB THEY HAVE ONLY BEEN REGISTERED SINCE MAY,28,2008 AND ALREADY HAVE 7 COMPLAINTS AND THAT NUMBER IS GROWING.

THE COMPANY HAS ACTUALLY BEEN IN BUSINESS FOR LESS THEN A YEAR HOWEVER THEY WILL DELIBERATELY LIE ABOUT THAT, THEY ALSO WILL SHOW YOU A LINK ON THE MIAMI-DABE COUNTY WEBPAGE OF A CASE THEY HANDLED AND FILE SEVERAL MOTIONS ON BEHALF OF THE HOMEOWNER STARTING IN 2006 ENDING IN 2008 THIS IS COMPLETELY FAKE THEY NEVER HAD ANYTHING TO DO WITH THIS CASE AND THE BUSINESS WAS NOT EVEN STARTED UNTIL LATE 2007.

THEY WILL CHARGE YOU 1495.00 IF YOU HAVE NOT RECIEVED FORECLOSURE PAPERS AND 2995.00 IF YOU HAVE RECIEVED FORECLOSURE PAPERS AND SET YOU UP ON A MONTHLY PAYMENT RANGING FROM 500-950.00 A MONTH DEPENDING ON HOW MUCH THEY THINK THEY CAN GET OUT OF YOU BASED ON YOUR MORTGAGE PAYMENT THAT, THEY WILL TELL YOU, YOU NO LONGER HAVE TO PAY WHILE IN THE PROGRAM. THERE IS REALLY NO DIFFERENCE BETWEEN THE PEOPLE PAYING 1495.00 AND THE PEOPLE PAYING 2995.00 OTHER THEN THEY FIGURE IF YOU HAVE RECIEVED FORECLOSURE PAPERS YOU ARE A LITTLE MORE DESPERATE AND WILLING TO PAY MORE, BECAUSE THE PEOPLE THAT ENROLL FOR 1495.00 ARE TOLD NOT TO MAKE THEIR MORTGAGE PAYMENTS AND ARE GOING STRAIGHT INTO FORECLOSURE ANYWAY.

ONCE YOU DO FACE A SALE DATE THEY WILL STOP IT TO KEEP THE MONTHLY PAYMENTS ROLLING IN, AND THE WAY THEY DO IT IS SEND YOU THE FORMS FOR A DO IT YOURSELF SUGGESTION OF BANKRUPTCY YOU HAVE TO FILL OUT THE FORMS TAKE THEM TO YOUR LOCAL COURTHOUSE AND PAY THE FILING FEES SO YOU ARE PAYING THOUSANDS OF DOLLARS FOR THESE FORMS THAT YOU COULD GET FROM LOCAL COURT CLERK FOR FREE.

THIS AN ABSOLUTE TOTAL CONGAME ALOT OF UNSUSPECTING HOMEOWNERS DONT REALIZE IF YOU FILE BANKRUPT YOU WILL BE IN YOUR HOME FOR OVER A YEAR WITHOUT MAKING A PAYMENT ANYWAY AND THESE PEOPLE ARE CONNING HOMEOWNERS OUT OF THOUSANDS OF DOLLARS FOR SOMETHING THEY CAN DO ON THEIR OWN FREE.

THEIR SCAMMING DOES NOT STOP WITH THE HOMEOWNERS EITHER ITS A DOUBLE EDGED SWORD ONE SIDE FOR THE HOMEOWNERS ANOTHER SIDE FOR THE EMPLOYEES , IF A SALESMAN ONLY HAS A FEW SALES THEY ARE FIRED AND THEY REFUSE TO PAY THEM COMMISSION DUE AND ITS THE SAME WHEN AN EMPLOYEE QUITS ANY COMMISSION DUE IS NOT PAID THESE PEOPLE ARE NOTHING BUT CON MEN STAY AWAY FROM THEM. AND YES I AM WILLING TO TALK TO ANY TYPE OF LAW ENFORCEMENT THAT IS INTERESTED THESE PEOPLE MUST BE STOPPED

John doe
miami, Florida
U.S.A.

Technorati Tags: 2 names, bbb, better business beareu, checks, county webpage, crisis solutions, dabe, facing foreclosure, financial trouble, mortgage payment, mortgage payments, motions, property solutions, thousands of dollars, truth

I’m two months behind on my mortgage payment. I’m working with my mortgage company on a repayment plan, but have read some horrible stuff about this mortgage company online. My credit is terrible and refinance is out of the question. I’m working to repair my credit, but I want to have options before the house goes into foreclosure. HELP!!!

Technorati Tags: foreclosure, horrible stuff, mortgage company, mortgage payment, repayment plan

Please help! I’m disabled and I’m only getting about 0.00 a month and my husband is unemployedd and he’s getting unemployment benefits that are about 1,000 a month. Our mortgage is about $ 1,000.00 a month. We are piled with bills from credit cards! I’ve been really looking for the solution and my first step is to see if we can get our mortgage modified through federal emergency program. Even if we can get mortgage modified I see no way we would be able to pay off the 30,000 we our on our credit cards. If we could get that off our backs and get lower our mortgage payment we could live without borrowing any money therefore without using credit cards. We’ve never filedbankruptcyy and we tried alternatives to bankruptcy nothing really works. Please anyone, is it possible to file bankruptcy without loosing our home. We our 4/5 on it. Two moths ago one attorney said that we want loose our home if we file for bankruptcy but I just can’tbelievee that it’s true. Is it??? Has anyone done it recently?

Technorati Tags: alternatives to bankruptcy, emergency program, federal emergency, money, mortgage payment, moths, unemployment benefits, using credit cards

My husband and I have decided to file Chapter 7. We have already contacted a bankruptcy attorney, but have not officially filed. We are going to surrender our house. It is worth less than what we owe on it. We are currently less than 1 month behind on our mortgage payment. How long after filing would we need to be out of the house? We don’t want to get notice and have to be out all of a sudden. By the way, we are filing in Illinois. Please…no responses about how bankruptcy is a bad thing. You don’t know our financial situation. Thank you.

Technorati Tags: bankruptcy attorney, chapter 7, financial situation, mortgage payment