Hello,
Some time ago we committed to deciding to help out families who are in need of financial assistance due to mortgage troubles by using Prosper as a tool. Unfortunately, before we can begin to help others by lending to them through Prosper.com, we need a little help ourselves -- temporary help, for the months of May and June. Our situation is as follows: We have a 2 & 1/2 year old son and want him to be happy. We want to keep our home. I became unemployed about a year ago and my wife remained working, but during this time we always paid our mortgage on time. We wanted to hold on to our home.
We can accept money through Paypal to the address of: pcvcolin@yahoo.com
The situation became dire when my retirement account and credit cards were depleted; fortunately, at that point, I was offered a job. Now both me and my wife are working again, both of us with good-paying government jobs (steady income). With the new income, the mortgage lending company, Citicorp, did allow us to go for a modification to our loan, and while they did review our pay stubs, they gave us a new monthly payment that was so high that there will be no way for us to pay it. Additionally, Citicorp demanded payment on the 11th of this month instead of waiting to the end of the month and threatened foreclosure (an senseless and mean threat, particularly since they agreed to defer payments for the last couple months and since they agreed to approve my modification; their threat is especially mean-spirited considering I paid them on time for the year when I was unemployed, using my retirement account money).
So, we have realized we will have to leave Citicorp and refinance. Unfortunately the threat of foreclosure means that we have to pay them on the 11th. While we have the money to do this we do not have the money for other things, like food, gasoline, and bills. We ask for your help in whatever you can contribute to get us through the months of May and June; by the end of May we expect to be completely out of Citicorp and refinanced into a better loan, and by the end of June we will have recovered from this debacle.
After June we will begin to set aside money to lend to people through Prosper.com who have had mortgage troubles and who cannot get loans through ordinary lending institutions. Help us position ourselves to help other people ~ please consider making a small contribution today.
You can see my credit details, photos, and a lender discussion of the Prosper.com that I myself received that helped me a few months ago to save my home when Citicorp first began to threaten our family. See these details by linking to: https://www.prosper.com/lend/listing.aspx?listingID=102009
