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November 03, 2008

My husband and I had to file for a Chapter 13 bankruptcy in June 2008. We had fell behind on the mortgage and the Mortgage Company (Homecomings Financial) would not work with us. We did not want to lose the house. After paying the $1650 required by our Attorney (New York State) we were able to file. Our Trustee payments were $850. After making the July and August payments to the trustee we realized that we were also susposed to make the mortgage payments on our own. We were under the impression that the mortgage payment was included in the trustee payment. We did start making the payments at the beginning of September. However, the mortgage company and bankruptcy court are demanding that we get current over a three month period. The three monthly payments may not be within our budget, since we will be paying the double of what we owe.


These are the three monthly payments


November 30, 2008 $1,858.27-this may be lower since the lawyer doesn't have record of a $500 payment I made in the beginning of October. I have the money order to prove it.


December 31, 2008 $1501.78


January 31, 2009 $1,951.78-this includes $450 attorney fees


February 2009 750.89 this is the normal monthly payment and includes the escrow.


If we get help with the November payment it will give us time to get the money for the other payments.


Eventually I am going to have to have my transmission rebuilt. My Sun Shell is breaking and eventually, even though the car is running now-when it breaks I won't be able to drive in reverse and soon drive al all. The best price I can get so far is $1500 unless one of our friends can do it cheaper. I can also get a used transmission for cheaper and find somebody to put it in. I also can just use the $1500 as a for a used car.


While my husband and I are putting money aside each payday into the joint account, we have other bills that must be paid they, including that November payment are listed below:


Trustee due on the 27th each month $855

Mortgage November 31 payment $1,858.27

Electric bill due November 21, 2008 $225

Heating Oil $500


Any help is appreciated. If 100 people can donate $50 that will be more than enough. I can pay this money back over time. I will be able to pay back at least $50 a week and still keep track on bills.


I can take paypal donations, in case the donate button does not work, here is my paypal address: mlmbizgirl2000@yahoo.com


Note: I will keep you updated on individuals who donate plus what I do by myself


Nov 03, 2008


I have $100 in my savings account

$200 I have in my dentist account that I have access to

$60 in my online money market account-this goes up each week as I add money to it.

$300 that I can use from my 401k (after tax contributions)

$700 that I can withdraw from my 401k (pre tax contributions)

$250 in our joint account-this goes up each week as we put into it.


Of what money I have available I need approximately $1800-3300 more and we will be good.



Thank you.