16 CFR Parts 317 and 318: Mortgage Assistance Relief Services Rulemaking #542309-00019

Submission Number:
542309-00019
Commenter:
pam hill
Organization:
wells fargo
State:
NV
Initiative Name:
16 CFR Parts 317 and 318: Mortgage Assistance Relief Services Rulemaking

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