Sorry I haven't written.

I am sorry I haven't written in so long.  I haven't been sick.  I haven't given up on writing since no one really seems to read this and I never seem to get many comments.  My blog is definitely not a popular one.  I haven't even been thrown out of my house yet.  In fact I have spent the last week or so finalizing the papers for Emergency Mortgage Assistance.  This is a state program that helps people who are behind in their mortgage.  The state loans you up to 50,000 dollars to catch your mortgage up.  They then support you in paying part of your mortgage for two years.  After the two years are over.  You must pay your mortgage on time for another five years.  If you have paid everything on time, you do not have to pay back this loan.  This loan is only for people who really want to stay in their home.  There are other things to do if you need to give it up.  for more info on mortgage assistance go to Hope.  Right now they are not taking new applications but it pays to speak to people who help with these matters.  On your states web site there may be links that will help you with foreclosure issues.  Try to stay with people within your own state it makes things easier.  I have learned that from personal experience.  Find out what the foreclosure laws are in your state even if your mortgage company is not in your state the property address makes a difference.  Don't give up and walk away unless you have no other choice.  An abandonment or foreclosure can really wreck your credit.  You will need credit to find  a new place if needed.  If you are looking for help, call and write everyone you can think of.  Stick with places like Housing and Urban Development and Congressmen Senators Governor's and even the US President.  You never know who can help you.  Pay your mortgage company as regularly as you can.  Cut back on other things and even fun stuff.  A roof is more important. 

After I signed the papers for the EMA loan earlier this week, I slept.  I slept for 10 hours for at least 2 days.  I feel like I can really concentrate on getting a job and doing other things in my life.  I would really like to make some new friends maybe find a significant other.  I don't really like on line dating.  I really like talking to someone face to face.  How can I set things up to develop the art of conversation?    It also looks like I am getting some help with the rest of my household bills too.  The state's energy assistance program has come through for me.  It isn't a lot of money but it will help for at least 2 months.  The only thing that bothers me is that the mortgage company is still harassing me for a short sale.  I think this is because it takes time to receive payment.  They haven't received it yet.  We will see what happens.  Things seem to be looking up.  Hope it's the same for you.  Take Care  Do your Christmas shopping with me buy Avon .