St. Louis Area Mom Desperate for Advice

While everyone is telling you to keep a still upper lip and all that stuff, what no one yet has told you is that THE BANK DOES NOT WANT YOUR HOUSE!!!!!

The Federal Government just passed a law that stops all foreclosures for I think it is at least 30 days. If you call your lender and tell them you got a job, they will work with you to refinance what you owe (that is if you can afford the house with your new income). Don't just think it is over....Monday is a holiday but on Tuesday, call your company that foreclosed on your house, tell them you got a job and have the money to start paying again. I think you'll find yourself in a much better situation than you might be feeling at the moment.

I'm not a real estate expert or anything, but I am educated and watch the news. You have nothing to lose and everything to gain by calling the loan company and negotiating with them. When you didn't have a job, you had no negotiating power; now that you have a good-paying job again, you have the edge, trust me!

Hi, I have 3 children and I have my own home-base Business. I love the opportunity it has given me to stay home with my children, but also the ability to earn unlimited income. I have seen people come into my Business after foreclosures and filing bankruptcy and have changed their lives with my Business. With ambition and determination to succeed anything is possible. Please feel free to contact me to get further information on how to get a fresh start. Shoot for the moon even if you miss you'll land among the stars.

Please hang in there! We all go through these things. We just moved here from California and my husband has not been making what he was told he would make. It's been rough let me tell you. But I know of a great real estate agent who is also a very dear friend now. She was able to get us in contact with a loan officer who could also be of service. Her name is Deb Lewis and she's really great at helping you meet your needs. I'm sure she can help you look for a home that is within your budget, near your school, and what's best for your family. I will pray for you and your family and I hope things work out. Deb's number is: ###-###-####

Hi,
all I can say is be honest to your kids. They are at an age where they will find out somehow. And then see if you can work from home. I've lived in St. Louis for a long time, and there are so many jobs around. Keep your eyes open!

E. G,
I'm not sure on how helpful I can be, but I feel your fear. Losing your home is a very scary thing, especially when it's all due to you losing your job. I'm sorry to hear all of these things have occured to you. Have you found some place to live? The best thing to do is to be up front with your kids so when they get older they don't take it out on you. I understand it's difficult to explain especially to your child with the Cerebral Palsy and Autism. I work with children with Autism and did home care for clients whom had physical and mental disabilities. The best thing for your child is to try to explain it to him in the best manner you can, he might not fully understand, but at least you're trying. What's his functioning level? I wish I could help more. Let me know if there's more I can do to help. I'll keep you and your family in my prayers.

HI There, What a difficult time - but you will get through this, you can rent an apartment for 500-800 monthly for a year to get back on your feet, sounds like you have the most important part taken care of, a desire to keep your family together, that's a lot more than many!!

I agree, be open with your kids and they may understand easier then you expect. I don't know what it is like to loose a home to foreclosure but I was moved around a lot as a child, (military family). Kids when they are young can make friends easily if you are having to change schools and also a new neighborhood. They may need extra comfort but with the new job you maybe able to give them a sort of treat in their new home. Getting something like a new poster to hang on the wall of their room or a new lamp maybe the thing that makes moving to a new place a little easier, plus having all their old favorites around. Kids do bounce back, your family is in my prayers and I hope that all the feedback you receive will help give you renewed strength as you meet this new challenge head on.

I am praying for you. I lost my house (fire) 2 weeks ago and understand how scary this might be for you.

I hope all gets better.

C.