Im on ssi my mortgage co is raising my house payment 200mo to pay my 600 taxes i will lose my home

Kerrie
My property taxes for $600, were due Feb. 2007.I did not have the money to pay them. I tried to refinance my house twice (in Feb & March)to pay the taxes and get a better interest rate. I was refused, because of the housing market. (Basically, my house appraised $40, 000 LESS than it did, 6 months before...And this was WITH the $25, 000 main bedroom & office addition that I paid cash to do! My life savings were used to do this addition. I considered it an investment into my property). I asked my mortgage co. to put my taxes into escrow (I did this so my taxes would be paid & so I wouldn't lose my house.) It took my mortgage co. 4 months to do this. I EXPECTED my house payments to rise an extra $100 a month. (It would be hard, but I would do it, until the market got better and I could refinance).Yesterday, I called to ask why I have not heard anything on why my payments have not changed. I was informed, that my payments would be going UP $200 a month starting Dec.1st.

Corrina
Wow. To those who are sticking their noses into your disability business, they can SHOVE IT.Remember to call United Way in your area for financial help from churches, etc.Also: Remember this... There is what is called the ADA, i.e., Americans With Disabilities Act.Employers may NOT discriminate you based upon your disability if you could perform duties stated in job description.Please get help with your depression.I'm on ssdi for mine.

Glayds
Sell stuff on Ebay to raise the $600. Sell Anything, or get a credit card with a $1000 limit and borrow off of it.

Arlene
you dident say why you get ssi...and why cant you work??if you can work on your house you surely can go out and work.instead of taking my tax money.thats why they keep raising our takes.sell the place and rent like i do..i work and i cant aford too buy a place so why should you be able too buy a place on my tax money??go get a remoding job.

Augusta
You have my deep sympathy and understanding. Now that that's out, let's get down to solving your problem. If you are on SSI, whether you know it or not there are some options for you. Go to your local Department of Human Services and talk to your caseworker. They may be able to help some. The tax assessors are rather rigid. If you missed the deadline, there is little that can be done. I know this is going to hurt but you may be facing the sale of the property. That will get you out of debt and you may be able to earn enough equity to purchase another home with lower payments. There are lower rates for disabled and elderly on SSI. In the mean time you have to survive and keep up these payments. You could approach family members. You probably don't like to do that or you may not have much family. Then, contact your local Council on Aging and see if they can help. There is also the Masonic Lodge. They help many people. If they do not have a service that can help you, perhaps they can give a referral.Last but it should be first, go to a doctor for your depression. Your thoughts of suicide are a sign you need some help in that area. When you feel better, you will be able to handle things. Good luck and God bless. I'll pray for you. E-mail me if you want to talk.

Assunta
What about getting a loan? Why are you on SSI? I think maybe you should have saved the Tax money out of your home improvements. I know what you are going thru, except my taxes are way more... about $2000. If you are able to work, maybe you need to get a job. I don't know what you are on SSI for, but you would probably make more working if you can.

Kasie
SINCE YOU ARE ON SSI AND A LIMITED INCOME GO TO THE TAX ASSESSORS OFFICE AND FILL OUT A HARDSHIP PAPER.THIS WILL REDUCE YOUR TAXES, OR SHOULD.HOMESTEAD HOUSE AND SHOW SSI CHECK. LIMITED INCOME ANOTHER SPECIAL BRACKET.YOU CAN PAY THEM THE TAXES EACH MONTH . (ABOVE WHAT YOUR ESCROW IS)THEY WILL WORK WITH YOU ON THIS PROBLEM.ALSO IF YOU ARE ON SSI AND OVER 60 YOU MAY BE ELIGIBLE FOR ANOTHER TAX DEDUCTION.THE FACT THAT YOU DID NOT SAY YOU WERE MARRIED OR SINGLE IS ALSO ANOTHER FACTOR.CANCEL THE LOAN.