Who ever said......

[macojoe]

"Things can't get worse"
Didn't live here!!! First I get disabled, Then lose everything, I mean everything! Now on dialysis, and I can't pay my bills. Now my wife got rushed to the emergency room while I was at a treatment, seems her leg has been hurting for a few days and it turned blue. Well she has had 7 bi-passes in her legs in the past. Guess what happened is that she got not one but 5 blood clots and they needed to do surgery. But to make things worse is that cause of all the bi passes she has no vains left, so when her heart went bad they had to put in 5 cardic stents instead of a bi pass. doc says this is high risk cause if anything happens there is nothing that they can do to save her! To make it even more fun her doc is out of state and his partner broke his hand, so there is not another surgen in this area so they rushed her to Boston.
Good news is that after a 5 hour surgery they got it and the leg pinked right up and she will be fine, they say. She is still there in ICU but stable! But now she wants me to go vist, I am lucky to have gas to get to dialysis let alone to boston.
Heat running out, gas running out, not paid car ins, rent behind a month, now this on top. I am about ready to cry, not that I haven't already!!
they say God won't give you anything you can't handle, well he is trying with me!!
Ok rant over!

[Destroyer]

Joe, not that I have much faith in them, but have you tried all the different Government agencies and programs that are designed to help out people that are in situations like you are? I see 3rd and 4th generation minority people who do nothing but live on welfare riding around in nice cars and using food stamps etc. to pay for good food and nice apartments. I know you're not a minority, but it seems to me you should be eligible for some programs.

[spareparts]

don't let it get you too far down MJ, what destroyer said X2, i would be nice to see some one who "earned" benefits to actually get them. Check with social services and get a case worker. There's got to be something out there for you, you paid into to it most of your life.

[Cam]

Joe, not sure if you have yet or not, but apply for SSDI. You would definitely be qualified for it. You have paid into it since you started working and now you are entitled. Maybe your wife too.

[GREYWOLF]

I feel so bad for you Joe , I agree SSI disability is the way to go . It took me 3 years and 3 back operations to get it . They go back to the first day you aply so the sooner the better , there are some great SSI lawyers out there check with them first. to get there opionions on haow to proceed . You and yours are in our thoughts and prayers

[macojoe]

Thanks Guys, I have tryed for a lot but because my other house is not fourclosed on yet they say I own 2 houses so I don't comply.
That said I have a new app in for SSI and my advocate at dialyssis has given them all they need and they called me the other day and said all set but they take a few months to decide. Advocate said that they will give it but in there own time as there is no deining my disabilty now that I am on dialysis. So I am hoping for sooner then later. My wife is on SSI for 35 years, she is leagly blind, but after wer pay for the mobile park fee we live on $300 a month, it doesn't go far with these pricices today!! the big killer is the oil heat I am going to starve soon if it doesn'get warm , and now another 6"+ tomorrow! I will make it some how, just vrenting a bit.

[charlie_the_tuna]

you don't need a lighter load brother, just bigger shoulders. keep your head up. it will get better. another month of winter and we're out of the woods. just keep on swinging.
peace.

[randlemanboater]

I continue praying for you MJ.

[bigshrimpin]

MJ - Have you called citizens energy?

http://www.citizensenergy.com/assistance-programs/joe-4-oil

It won't help this year, but worth a call.

[macojoe]

I have called them I bet 500 times for real! the line is always busy, even my adovcate at dialysis has tryed!

[cfelton]

I hope things turn around for you all soon. There's money out there for you, just gotta figure out how to get it. Praying for you and your wife to have a better life from here on out!

[Franco]

We'll keep you in our prayers

[macojoe]

I want to say THANK YOU VERY VERY MUCH!! to a few guys that have sent me some money!! It will go to very much needed bills!

But just to say I was not using this to beg for cash. just venting and keeping you guys in the loop. How do some get so much, when people like me that have always worked and are doing this the proper way can't get crap?

But want to again thanks to all for listing, praying, and donating!!I am off to dialysis now, and will call wife in a bit to tell her you guys are great!!

Joe

[randlemanboater]

MJ, I have been thinking about your house situation, that seems to be the sticking point to you getting the help you are due.

If the bank wont foreclose...why not move back in to that house...you could probably pay a little here and there to the bank and they would never foreclose.

Just thinking out loud.

Good luck to you and all yall Yankees with the storm headed your way.

[phatdaddy]

good point, rmb. guy down the block lived in his house for 3 years without making a single payment. mortgage co paid the taxes and insurance for him. finally they paid him $5000 to move out.

hang tuff mj, springs a coming...

[THEFERMANATOR]

I want to say THANK YOU VERY VERY MUCH!! to a few guys that have sent me some money!! It will go to very much needed bills!

But just to say I was not using this to beg for cash. just venting and keeping you guys in the loop. How do some get so much, when people like me that have always worked and are doing this the proper way can't get crap?

But want to again thanks to all for listing, praying, and donating!!I am off to dialysis now, and will call wife in a bit to tell her you guys are great!!

Joe

I know the feeling. I worked when I was able, got hurt, but had money set aside so I lived off of that. Now that I can't work and have filed, I am basically told I'm SOL because I waited to long. I haven't even been able to find an attorney to take my case because they came right out and said I have a case, but it is to much work for them when they are swamped with easy cases. So I know the feeling.

[Road King Cole]

MJ, I was just thinking of you this morning as its been a long winter (been busy and sick so I haven't checked the forum much lately). Glad MrsMJ is doing better. hang in there and best wishes.

I'm sure everyone buys friends beers, let's buy MJ a few "beers\oil" with that donate button. It's quick and easy.

rkc

[macojoe]

Was on the phone with wife and she wanted me to say THANK YOU from her!! Good news is they took her out of ICU today! Still has issues, but she has had them for years!LOL but the worse seems to be over for now.
Again Thanks guys!!

[GREYWOLF]

AHH Thats good news , keep the faith Joe,

[Cam]

Great news!!! Now go and see her!

:happy:

[macojoe]

They transfered her to a rehab near home yesterday, so I will be there today to se her. She just wanted to come home but after a few words she went to the rehab, which she really needs!!

[Monkey Butler]

Jeez Joe, sorry to hear bad things keep on happening but it's got to look up at some point.

My wife had a heart valve replaced a couple years ago and hasn't been the same since and hasn't been able to go back to work and likely never will. We went thru some dire straights financially and at the time a call to my state rep and the state attorney general got me some breathing room and got the mortgage company to get off their butts and do something for me.

Call your state rep and ask their office to call and write the mortgage company. I bet they have a direct line to Joe for Oil too. I'd tell the AG you think you were a victim of predatory lending and you need some relief. I found these two offices did the most for me.

I hope things start to look up for you and Mrs. MJ.

All the best,

Steve

[macojoe]

saw the wife today at the rehab, the nurse said she no get up or eat today, i said thats changing right now!! by the time i left she was up wrent to bathroom, eat a muffin drank coffee, let nurse change bandages, and tonight eat supper. i no screw around when i am there!!

[Destroyer]

saw the wife today at the rehab, the nurse said she no get up or eat today, i said thats changing right now!! by the time i left she was up wrent to bathroom, eat a muffin drank coffee, let nurse change bandages, and tonight eat supper. i no screw around when i am there!!

Yep. People are just like horses... let a sick horse lay around and they never get better. Same with people. You must get and keep her moving. It's the
same with machines... actually, it's universally the same with everything.

I know that it's not quite the same thing, but Newtons first law (the law of inertia) applies to all moving things... An item at rest tends to stay at rest. an item in motion tends to stay in motion unless acted upon by an outside force.

Keeping her moving and active actually is speeding up the healing process. Good work!!

[reelapeelin]

I wish I had a solution for you, Joe...Hang in there and try to keep your head up!!...

[smokeonthewater]

Hey Joe, why don't you rent out your house.... Might as well draw from it as long as the bank doesn't take it... then if they finally foreclose, eviction is their problem

[macojoe]

the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?

[THEFERMANATOR]

the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?

A friend of mine went through this on his house. He lost his job when the market fell out, and lost his place. The bank kicked him out, then let him move back in so the house didn't sit vacant. After teh house went to auction 3 times after he was kicked out again, the bank purposely messed up some of the foreclosure papers so the house didn't go to them legally. Then when the property taxes and cleanign fees piled up from the county and city, they turned around and said it wasn't theres but his, and they came after him for over $15K in fees on a house they had forclosed on 2 years before. It is all a game to them, and they are playing it hoping to worm out of liability and fines in case something happens to the house.

[smokeonthewater]

I still say rent it out..... tell them to either take possession legally or PISS OFF

[Destroyer]

I still say rent it out..... tell them to either take possession legally or PISS OFF

By changing the locks they have, in the eyes of the law, taken legal possession of it.

[spareparts]

5 gallons of gas, one match and delete this thread

[smokeonthewater]

By changing the locks they have, in the eyes of the law, taken legal possession of it.

By giving him a key haven't they given it back?.... seems he could now change the locks again.

[bigshrimpin]

the bank has already changed locks, but i got them to give me a key. they also winterized the pipes, there is no heat, elet, wate r or anything, i don't know what they are waiting for?? they have invested some already?


MJ - Why did you ask for a key? That just slowed down the process.

[scook]

I'm not up to date on this stuff but have you heard of or looked into giving the bank a "deed in lieu of foreclosure" to get rid of the other house? You need to get competent advice on the subject - if there are any active Realtors on the site or if you know one, they might be familiar with the process. Where I am the local Realtor association has a lawyer who gives seminars on that kind of stuff - a Realtor might be able to tell you if it seems like a good idea and maybe get you a little free advice from their lawyer.

Another possible source of help is your federal senator or congressman. A friend of mine was getting jerked around badly by the bank, trying to get his loan modified and one of our senators was very helpful slapping the bank upside their head. If your old lender is dragging their feet, this might be a way to get them moving.

You and your wife are in my prayers and you know you have a bunch of guys here who are on your side and wishing the best for you and your family. I wish I had more concrete help to offer.

[macojoe]

all you guys are great!! i wish oi had known this was going to happen, i would have stayec there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on

[bigshrimpin]

all you guys are great!! i wish oi had known this was going to happen, i would have stayec there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on

MJ - I stopped by your old place yesterday . . . . the old house/barn/yard is full of someones furniture . . . you could have a giant yard sale with all that stuff and make some money.

[Destroyer]

By giving him a key haven't they given it back?.... seems he could now change the locks again.

Yes, he could change the locks again, but it would be illegal. The difference being that if he were to change the locks, it would be without their permission to do so. When Joe gave them the keys, it was understood that he was giving them control of the property and the ability to legally change the locks. Whereas, by giving Joe the keys, they have implicitly given him permission to visit/enter the premises, but they have not given him control.

[Destroyer]

all you guys are great!! i wish i had known this was going to happen, i would have stayed there all this time and i would not be this bad off!! but i did not want no place to live so i bought this place, now i am the poorest guy i know with 2 houses! if i had power and stuff at the house i would rent it, but its all shut down. o well live goes on


Joe, I own 3 houses. I live in one, and rent out the other two. All utilities in the 2 rentals are paid for by the renters. It's understood to be the norm, and is spelled out in the lease. My point being that lack of utilities should not prevent you from renting the house, if you can legally do so.

If the bank has foreclosed on the property, then they are the legal owners of the house, and the only ones that can legally rent it out. Just because a house is not occupied does not mean the bank doesn't want it. Understand, because of the present economic situation in this Country, a lot of banks are just sitting on houses they own right now and are not trying to rent or sell them. They are waiting on the economy to improve so they can get a better return on their investment.

[macojoe]

Was there today, tim i don't know what you saw?? cause there is nothing there! meet with a realtor today and he said if i get the title 5 done and empty the barn of all the trash we can put on the market and pretty sure will not have to go short sale. says the new roof addition and barn and the lot size should sell it. thats the good news, bad is i have 0 cash to get the title 5 or a dumpster to clean the crap out.

[randlemanboater]

Is there anything good in the barn?

If so, put an ad on CL giving away the good stuff if you haul away the trash.