Please don't email me wanting me to send money -- to get a donation. We just don't have it. This is serious -- NOT A JOKE!!!!!! Our electric and gas is going to be shut off on 4-4 ... Phone and cell and interent is already shut off. And they are going to repose my car. Hospial bill's -- hospital bills total bill is about 27,000.00,
Doctors bill's -- total bill's are about 9,000.00, other medical bills about 5,000.00. Denists bill 825.00, house 2 payments behind,
Insurance 1 month behide, and ect..... Almost 50,000.00 And that's not everything PLEASE PLEASE help us but don't -- make me look like a foul. We are in serious trouble here. Plus with my health -- this not good for it!!!! 
 

We brought our house on March 7th 2003. We both worked 2 jobs. And started an addition to the house. It’s still not totally done but we’ll get it done little at a time.
            In the time of starting this, I was injured at work and had a back surgery #1. Lower back L-4 & L-5. It happened at Wal-Mart. I was working for Wal-Mart on the weekends and tending bar during the week. So I had to quit the bar tending job, and tried just working Wal-Mart. But the pain was too bad. So though a lot of physical therapy and pain meds. I tried going back to work again at Wal-Mart. But then ended up having another back surgery #2. Went though a lot of meds, therapy and pain control. In the end I can only left 10 lbs, and can’t work anymore. And Wal-Mart will NOT pay for the 3rd back surgery. Because of all this I suffer from deep depression,  I’ve always been working since I was 12. And I’ve never been without at least 1 job. At one time I had 2 full time jobs and 3 part time jobs and cleaned house’s on the side of all of that. So now I feel like I can’t take care of my family. With my age being almost 40 and no children. We thought that if were going to have a family we better get going. Our son was born on March 25, 2006. With all of my back problems this was not an easy task! And it seems like after James was born, the depression got a lot worse. But I won’t change having that little boy in my life for nothing. He is my life.
          With the two above things all going on, I did have excellent credit score, I was up in the high 700’s. We paid for a lot of thing that should have been turned over to works comp. But I didn’t know. And with the house addition. Well we charged up the Credit Cards. We always made MORE than the minimum payment, and were always on time. Becusace we thought that I would be going back to work soon. The highest interest rate we had was 8.99%. Well after everything, when they found out that I could no longer work, the interest rates went sky high. They said because we were more of a risk now, but we were still on time and more than the monthly payment. One of the cards went clear up to  27%, and still on time and more then the payment. This really made me mad. Well on top of all of this Carl was working 2 full time jobs. And had been for 8 years. Well in Oct 2006, Welding, let him and 6 others go due to down sizing. And with the financial strain -- with me not working, and Carl down to 1 job. We had to do something. We tried consumer credit conceling, then debt settlement. Well we just couldn’t keep up. So they have taken us to court and there are judgments against us. They keep on wanting to settle for half the moneys we owe.  We will get them paid as soon as we can, for half or more of the moneys.
            So in short since we’ve bought this house ---- I’ve had 2 back surgery and facing a 3rd, can’t work anymore Carl has lost 1 job due to down sizing and is lucking if they let him get all of his hours at Wal-Mart. Put addition on the house and with all the other fix ups, and are told that the housing market is so bad that we’ll never get out of it what we’ve but into it. And finally we’ve had a little boy named James.
            NOW after the loan has been sold 5 times. And after slowing going down hill struggling to make the payments.  The icing on top of the cake, was me in and out of the hospital with ammonia, 5 times over the past 4 months.  Of course my husband Carl was right there with me. So finances where nothing. In the middle of all of this they (American severing Company) Tells us that they are going to raise our rate to 12.55% (from 9.35). Already 2 months behind at this point. We start a loan moderations. Which they what more money a month. Well after selling a few things, we made the payments -- barley! Then I ended up in the hospital again (5th time). So when I get out I call them. And then they say that the loan moderation is denied.  Every time I call them I get a different answer. One day I thought I would just see what would happen -- I called them (ASC) to ask how this loan moderation would work for us and how it works, ect. I called 5 times -- What to know how many different answers I got ???  --FIVE… That’s right 5 calls - 5 different answers. 
 And all this stress is not good on my health.      
                 What it boils down to is Please help us save our home, and get ahead of things. Then I know that we would be okay. But for them to sit there and tell us that “”it’s nothing personal it’s just business”” and that “”Well you’re the ones that signed the papers to the house”” meaning the ARM rate. Well it just makes me mad. Some one has got to step up and do something. Thank you so much for reading all of this,     Thank You it’s not just words -- it’s from the heart.
                 Thank you for all of your time.                          Lisa, Carl & James