See what CafeMoms are saying about saving time this holiday season..
Hello all. I haven't been on for a long, long time. I've been in a small village in the Copper Canyons of Mexico working as a caregiver instructor for the Tarahumara Indians for the last six months. I purchased a fixer upper home in March of last year and when the opportunity to go to Mexico came up I had a couple that have been friends for about 20 years come and stay in my home. They were down on their luck and needed a place to live and I needed someone to take care of the home for me. They both received enough in food stamps and unemployment to manage utilities and groceries and I would send them the money to make my mortgage payment. I left in mid-July and returned a week ago. When I returned they had already been gone for about a week. Their phone numbers don't work anymore and no one knows where they are. I spoke to them by my home phone to let them know I was returning. The house is in great shape, clean, neat, nothing is missing, utilities are all current. The only problem is that they never made my mortgage payments! I know, stupid me! Every time I talked to them everything was fine and I never asked them for receipts. Saturday morning I received a five day notice to vacate and I have been frantic ever since. I managed to sent the mortgage company $1500.00 in late fees but they want the $3000.00 worth of mortgage payments NOW! My income tax return will cover that but there is no way to get that for another couple of weeks! The federal government doesn't even start processing returns until the end of January. Income tax refund loans, as far as I have been able to find out, max out at $1000.00 and carry about 200% interest. The mortgage company is adamant about not waiting for their money and they don't even want to hear about what happened and I can't blame them. Does anyone have any advice for me? Does anyone know of a way to get some kind of a loan on my refund quick. I don't have anyone I can borrow from, already contacted my bank and they don't even want to talk about it. I am so stressed at the thought of losing my home. Everything I have is tied up in this house.