This might be a little long, but I will try to keep it as short and to the point as possible. And most important of all honest and nothing but the truth.
My mother bought me a house when I was 18 years old in 1991 on a land contract which was paid off in 1996. I married at 21 and had 2 awesome sons 2 years apart in 1994 and 1996. I never had my mother put the house in my name because I always had a gut feeling that my marriage would unfortunately eventually fail. Which it did in 1998.
Fast forward to 2011. My mother had to file bankruptcy. She never thought about the fact that my house (that had been paid for since 1996) was still in her name. And I didn't think anything about it either. Before filing for bankruptcy, she filed the deed to my house and put it in my name. She did this 2 months before she actually filed bankruptcy.
Shortly after her filing bankruptcy, the court saw that she had filed the deed to my house and put it into my name. 2 months before filing. Naturally they automatically assumed that she was trying to hide assets. Now in order to keep my home that I have lived in for 22 years, the bank wants me to pay $500 a month for 3 years. One of the stipulations of the agreement to keep the house is that we cannot miss a single payment or we lose the house.
We just had to start makingthe payments on the house last month. I am working at a part time job. My wiife is looking for a job. And we have 3 kids living here. I forgot to mention that I remarried and that I have an autistic stepson that lives here, plus my 2 sons and my wife.
My stepson gets disability, I get $60 a month for child support and I have the income from my part time job. We get food stamps and our yearly income is currently approximately $17,000. $6000 of which has to start going to these house payments.
My mother was not trying to hide assets with this house when she filed bankruptcy. I don't understand how the courts figure that she was trying to hide assets when the house was paid off in 1996. And I can prove I have lived here for 22 years, not my mother.
There is no way we can pay these payments. We struggle for the 2nd half of the month to even buy food. I go a day or 2 regularly without eating because we are so broke, and there is no way I would let my kids go hungry. So I go hungry myself.
I have another funding project on here because I am enrolled to go to Baker College starting September 11th but I have no transportation to get to my classes. So I might have to drop out of college because we have no car.
I am not looking for a handout. I am simply asking for some help from someone better off than we are that can afford to help us. I am trying REALLY hard to get a car so I can get a degree in CNC Machining, OR, if I can't get a car by the time classes start on September 11th, find another better job.
I really don't know what else to say. I feel horrible because I cannot give my family a better life. I am trying really hard to make our lives better, but I need help. Something that I despise asking for.
Please consider helping us if you can. It would really help me and my family greatly and would be truly appreciated.
Thank you very much for your time. And God Bless You.