Story

Over the course of the past 16 years, I’ve finally managed to get myself, my wife, and our 5 daughters into a place we can forever call home. Our mortgage was reasonable and we could afford it. Fast forward 9 months and our insurance company goes out of business (managed by escrow). Since the company went out of business, there was no refund of “unused funds” for loss of coverage. My mortgage company then found another insurance policy. The policy was incredibly high, more than 600% of my original policy. This added an additional $800/mo due with mortgage payment for this insurance.

For obvious reasons, I had found my own insurance company All State. Ended up getting a good deal on a car/home bundle. It felt like I was finally beginning to the light at the end of the tunnel. Then, All State sends someone to look at my property in fall (as leaves are falling off of trees). Naturally there were some leaves that hung on to our gutters and they took pictures and canceled my policy. When I was notified of this the leaves had already been removed, sent pictures, the same day, and they still continued with the cancelation, but promised to give me the same insurance at the same rate. They cut me a check for $3,300 and requested for me to hold on to it. I did. When they called they needed $4,700 to reinstate my policy and continue coverage for the remainder 10 months. So now I owe the obnoxiously high mortgage + monthly payments on homeowners insurance, because I didnt have the $4,700, I had their $3,300, and nothing more. So I’m stuck with $450/mo homeowners insurance, plus $2,400 for mortgage.

Then the big thing happened. Our van blew the engine with less than 100 miles past warranty coverage. (Still owed 17k), so I had to return the vehical to the lot and they helped me get into another suv suitable for our size family. So now my payments are $1060/mo for a vehical (from being upside down on previous loan) for the next 72months. Plus my credit cards maxed out.

My family has taken the hit from all of this, after food and bills, I’m left with nothing, that’s after working 12-13 hours for 5 days usually totaling 64 hours a week. I’m in so far over my head and have no idea how to move forward and get back on top. I’ve already canceled every subscription to help, we’ve changed our food to mostly chicken (cheapest meat) and don’t qualify for any government help. With inflation I’m absolutely stuck. My homeowners insurance policy and vehical paid off would be a life changer for our family.

Please help us get back on our feet.  God bless.

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