Bills, Bills, and More Bills

I’m so aggravated with PNC Bank right now I could spit. I’m a month behind in my mortgage and I’m trying to work something out with them, but they are NO HELP whatsoever. I have 21 months left on my mortgage and it seems they would rather leave me in the pit and foreclose than work with me.

I’ve had this home for twelve years and have only been a couple of days late a handful of times, but there’s absolutely no help. I can’t refinance for a lower interest rate because it’s a mobile home over five years old and I don’t own the land it sits on. I can’t skip any payments and extend the loan because of the time period left. I can’t get a loan to pay it off and lower the payments because I don’t qualify.

I really don’t know what to do. They wonder why people lose everything. This is why. I’m trying to work with them, but they have absolutely no desire to work with me at all. I spoke with one really nice guy this morning, Ben, and he transferred me to the loan modification line where Bruce didn’t even talk to me and just transferred me back to the department that Ben was in to another woman who gave me an entirely different number to call and they’re not open until Monday.

I’ve been to the branch and have been told there is nothing they can do to help me. So where do I turn. I just want to cry. In fact I am crying. I don’t want my bills to be late. I don’t want to be classified a dead beat. I don’t want to lose my home when I’m this close to paying it off.

I’m so overwhelmed by my bills I just don’t know where to turn. There is absolutely no help out there for me because I make too much money. I didn’t know $1,500 a month put me in the wealthy category. I’ve called every agency, friend, relative, etc, but no there’s no help. I’m tired of even trying.

Add to that my electric bill remains unpaid, the taxes on the house, the $315 propane bill I wasn’t expecting. I really don’t know what I’m going to do. To say I’m scared is an understatement.

All this stress increases my pain level to degrees where I can’t even function at all. I’m surprised I’m even able to write this blog. Why is my life always so very hard? What did I do to deserve this punishment.

I wish the people who made the decisions to take away all the assistance I received for heat, electric, food, etc would have to try to live my life for one month. Maybe things would change.

Today I’m grateful for:

1. I have a roof over my head for today.

2. I don’t have to be anywhere today so I can try to be kind to myself.

2. I have a library book to read.