According to national data, the foreclosure rate on mortgage loans has increased by more than 50% since 2000. How did this happen? Easier access to home loans, an increasingly fragile economy, and trigger events, such as loss of a job, reduction in income, or a health emergency cause mortgages to suddenly be beyond the financial abilities of many homeowners.
If facing mortgage issues, nothing is worse than doing nothing. According to recent industry studies, more than half of homeowners facing foreclosure do not call for help when they begin to fall behind on their payments. The early stages of foreclosure are the most crucial and require fast action by the borrow – studies show that homeowners who are one or two payments behind are more likely to keep their homes than those further behind on their payment schedule.
Homeowners at risk of foreclosure are urged to take the first steps to avoid losing their biggest investment and to keep their home equity: ask for help and respond to the lender’s letters and calls. The earlier financially distressed homeowners reach out for assistance, the more options they have to address their mortgage issues and potentially avoid foreclosure. Lenders are often willing to work with a borrower, if the borrower makes an effort early on.
Ignoring the situation will not make it go away. Seek help as soon as you think there may be a problem.
Tips to Save Your Home:
1. Call Ohio's Save the Dream Hotline today: 1-888-404-4674.
2. Contact your lender. Even if you have not missed a payment yet, talk to your lender if you see a problem arising. Many lenders are willing to work with homeowners. You may be able to create a repayment plan, add the missed payment to the remaining balance, or modify the loan.
3. Open and respond to all letters from your lender. The sooner you deal with missing mortgage payments, the easier it is to find a solution.
4. Seek help from state and local resources that can help you negotiate with your mortgage company. Find a list of local resources at http://www.savethedream.ohio.gov/ or call 1-888-404-4674.
5. Document all contact with your lender.
6. Respond to summons in 28 days. If your loan servicer has filed a foreclosure complaint, you will receive a summons. You must respond, in writing, within 28 days! For assistance with a response or a referral, contact Southeastern Ohio Legal Services.
7. When faced with foreclosure, be sure you understand Ohio’s foreclosure process. Foreclosure may take anywhere from six months to more than a year.
8. Do not abandon your home. You do not have to leave your house until it it sold at a Sheriff’s sale. Continue to live in your house while you are trying to get help. If you abandon your property, you may not qualify for assistance.
9. Be aware of forclosure scams. Solutions sounding too good to be ture, usually are. Scam artists often target defendants named in foreclosure proceedings. They often assert that they are “foreclosure specialists” or “mortgage specialists,” claiming they will save your home from foreclosure in exchange for a sum of money.
10. Do not sign any document that you do not understand. Southeastern Ohio Legal Services can review documents that your lender may want you to sign to ensure that your best interests are protected.
Athens County Resources:
Athens County Job & Family Services
http://jfs.athenscountygovernment.com/
740-797-2523 or 1-800-762-3775
Provides basic foreclosure information and referrals. Prevention Retention and Contingency (PRC) program supplies short-term emergency assistance for income-eligible families.
Corporation for Ohio Appalachian Development
http://www.coadinc.org/
740-594-8499
Housing counselors are availabe to help with the foreclosure process. Rescue loans are available to help bring homeowners current on their mortgages.
Empowering and Strenthening Ohio’s People
http://www.esop-cleveland.org/
1-877-731-3767
Provides assistance in working out resolutions with mortgage service providers.
Southeastern Ohio Legal Services
http://www.seols.org/
740-594-3558
Provides a range of free legal services to homeowners who meet the basic income eligibility.
State of Ohio Resources:
Save the Dream
http://www.savethedream.ohio.gov/
1-888-404-4674
Richard Cordray, Ohio Treasurer of State
http://www.yourmoneynowonline.org/
1-800-228-1102
Aug 21, 2008
Aug 7, 2008
Register to Vote
Monday, Oct 6, 2008 is the deadline to register to vote in the November General Election.
Register at any of our offices during normal business hours.
Download the voter registration form here.
Download the voter registration form here.
Jul 22, 2008
“Focus on the Basics” NEWS CONFERENCE
Please join the directors of Athens, Gallia, Hocking, Perry, Ross, Scioto and Vinton County Job & Family Services, Children Services and the 317 Board of Athens, Hocking & Vinton Counties, for a news conference: 10:00 a.m., on Wednesday, July 23, 2008, in the conference room of the Ross County Jobs One-Stop, 150 E. Second St., Chillicothe, Ohio for our “Focus on the Basics” news conference.
The gaping holes in the government safety net for Ohio families has many without sufficient income to meet their basic human needs of food, clothing, and shelter. Our government’s failure to prioritize the needs of the poorest of the poor is causing increased hardships among those least suited to survive them. Simultaneously, other challenges facing many of these same families are growing worse as they must focus all of their energy on simply surviving. We must “focus on the basics” and place a greater priority on local, state and federal resources for the poorest of the poor.
Ohio Works First (OWF) Client Surveys
These quotes represent a sample of the responses by OWF clients to the following question:
What financial or medical hardships are you facing?
“Every month I live with the fear of being evicted. I’m a single mom with two children…and if that were to happen, I have nowhere to go. I currently get OWF $410, but my rent is $425 not including utilities, or diapers, wipes, toilet paper, shampoo, soap, laundry detergent or gas for my van. Because of all the rising costs, I’m digging a financial hole every month I can’t get out of. This causes a lot of depression, despair and worry. I’m so busy with the worry of money, I can’t even enjoy my children as much as I would like to. Please, please help us, this can’t go on. Somebody be our voice. Sincerely…”
“I feel kind of a let-down and basically worthless to my son. If I had a car and extra money to feed him our hopes would begin to open up doors.”
“…I am a single father taking care of my 4-year old daughter…I have realized that due to the high bottle gas prices (which is a necessity to have in my home for cooking, heating, and having hot water for showers) and now the rising prices for automotive gasoline, complications have developed in my ability to provide my daughter with new clothing and new shoes when she needs them. This situation is also hurting my daughter due to our home and our vehicle (our only form of transportation), needing desperate repairs done to them. I could sit here and write a novel to you regarding all of the financial, physical, and mental hardships that I face on a day to day basis.”
“…There are days we don’t get to eat a solid meal, just soup and bread if we are lucky…”
“I am a single parent trying to raise 2 children on $410 a month because my doc says I’m unable to work…by the time you pay your utilities you have nothing left so you are struggling every month just to survive…”
The gaping holes in the government safety net for Ohio families has many without sufficient income to meet their basic human needs of food, clothing, and shelter. Our government’s failure to prioritize the needs of the poorest of the poor is causing increased hardships among those least suited to survive them. Simultaneously, other challenges facing many of these same families are growing worse as they must focus all of their energy on simply surviving. We must “focus on the basics” and place a greater priority on local, state and federal resources for the poorest of the poor.
Ohio Works First (OWF) Client Surveys
These quotes represent a sample of the responses by OWF clients to the following question:
What financial or medical hardships are you facing?
“Every month I live with the fear of being evicted. I’m a single mom with two children…and if that were to happen, I have nowhere to go. I currently get OWF $410, but my rent is $425 not including utilities, or diapers, wipes, toilet paper, shampoo, soap, laundry detergent or gas for my van. Because of all the rising costs, I’m digging a financial hole every month I can’t get out of. This causes a lot of depression, despair and worry. I’m so busy with the worry of money, I can’t even enjoy my children as much as I would like to. Please, please help us, this can’t go on. Somebody be our voice. Sincerely…”
“I feel kind of a let-down and basically worthless to my son. If I had a car and extra money to feed him our hopes would begin to open up doors.”
“…I am a single father taking care of my 4-year old daughter…I have realized that due to the high bottle gas prices (which is a necessity to have in my home for cooking, heating, and having hot water for showers) and now the rising prices for automotive gasoline, complications have developed in my ability to provide my daughter with new clothing and new shoes when she needs them. This situation is also hurting my daughter due to our home and our vehicle (our only form of transportation), needing desperate repairs done to them. I could sit here and write a novel to you regarding all of the financial, physical, and mental hardships that I face on a day to day basis.”
“…There are days we don’t get to eat a solid meal, just soup and bread if we are lucky…”
“I am a single parent trying to raise 2 children on $410 a month because my doc says I’m unable to work…by the time you pay your utilities you have nothing left so you are struggling every month just to survive…”
Jul 15, 2008
Ohio Works First Client Survey
The Athens County Department of Job & Family Services sent a one question survey to all current Ohio Works First households in February 2008. These quotes represent a sample of the responses to the following question:
"What financial or medical hardships are you facing?"
“Every month I live with the fear of being evicted. I’m a single mom with two children…and if that were to happen, I have nowhere to go. I currently get OWF $410, but my rent is $425 not including utilities, or diapers, wipes, toilet paper, shampoo, soap, laundry detergent or gas for my van. Because of all the rising costs, I’m digging a financial hole every month I can’t get out of. This causes a lot of depression, despair and worry. I’m so busy with the worry of money, I can’t even enjoy my children as much as I would like to. Please, please help us, this can’t go on. Somebody be our voice. Sincerely…”
“I feel kind of a let-down and basically worthless to my son. If I had a car and extra money to feed him our hopes would begin to open up doors.”
“I never have enough money to pay my bills. I always have to figure out how to pay for food, I get disconnection notices all of the time. I never have enough gas to transport my children to and from school. I don’t have enough money to buy my children new clothes or school supplies. I don’t have enough money to enroll my children in any kind of sports or activities. I’m always worried about how I’m going to pay for things. I don’t have enough money to transport my children or myself to doctor’s appointment. I just don’t have enough money. Gas is too high priced, so is food. How am I supposed to raise a family of 5 on one income? Please help, give us more money to live on.”
“…I am a single father taking care of my 4-year old daughter…I have realized that due to the high bottle gas prices (which is a necessity to have in my home for cooking, heating, and having hot water for showers) and now the rising prices for automotive gasoline, complications have developed in my ability to provide my daughter with new clothing and new shoes when she needs them. This situation is also hurting my daughter due to our home and our vehicle (our only form of transportation), needing desperate repairs done to them. I could sit here and write a novel to you regarding all of the financial, physical, and mental hardships that I face on a day to day basis.”
“For the past few months my family has been unable to fully pay our monthly rent for our home. My fiancé’s job hours go up and down by the week. We have had to put ourselves further in debt by borrowing money just to have a place to live...It doesn’t help being denied for disability, over and over again. We began to lose hope, living paycheck to paycheck has really been a struggle. It just feels at times, people like us are looked at like lazy, poor individuals, which is obviously not the case at all. We just wanna be able to support our children and ourselves without worrying, what is to happen ‘next month.’”
“…There are days we don’t get to eat a solid meal, just soup and bread if we are lucky because I have other children that are over age and stop by to eat with us…”
“The income I receive is four hundred and ten dollars a month. My rent is four hundred dollars a month. By the time I pay my rent, I have to borrow money from my mother and friend to pay the utilities and don’t know were the money is coming from to pay it back…”
“It is very hard to get all that you can to feed your children when you don’t have the money or food stamps to buy them with. With the cost of gas now a days you get to pick either buy a gallon of milk or get a gallon of gas. And, if you don’t have gas to go get your child milk then you are just out of luck…”
“Trying to find a house to rent that I can afford…and money for gas…I just started working but its still hard to make ends meets. I’m on HUD waiting list going on two years now and still nothing is happening so far.”
“…I always run short on money for toilet paper, shampoo, conditioner, tampons, dish and laundry soap. And like everyone else who gets help from the state, I live disconnect notice from disconnect notice…I challenge any and all of our government officials to try to live off $336 per month. And let’s not forget we have to put gas in our cars at almost $4 a gallon.”
“…Without assistance we wouldn’t be able to make it so were very grateful the help is there, we just wish it could be more.”
“…Our food stamps don’t go a long way. Food prices have gone up, bills have all gone up and our income remains the same…I don’t like living month to month…Thank you for asking our opinions.”
“Where do I begin? I’m a single parent of three. I do get help…on top of that I work. I still struggle every pay check/every month…It would be really nice to be able to have some money in my pocket to be able to do something with my kids. As my kids are always telling me how they want this or want to do that and I have to tell them no. It’s sad when I can not even treat them to a 99 cent cheeseburger for good behavior.”
“…The food stamps we get are not enough to feed us for the month. We can’t buy anything healthy, it must be what’s on sale or what we can afford. Plus, I’ve got to throw in $100-$150 in money to the food cost every month. I also don’t have transportation. Instead of giving someone $20 for a 17 mile ride to the store I am giving them $40 for wear and tear and fuel.”
“…Raising 3 grandkids is a very hard task. I had to quite my job to keep kids. I could not pay for babysitter and could not get help…”
“…I don’t have enough money to buy my son clothes and shoes for school. I didn’t need help until I had a heart attack April 2007. I worked and I miss it a lot because I got paid every week and I was getting more a month. So if I can get help for gas and food, clothes, we would feel rich.”
“I am a single parent trying to raise 2 children on $410 a month because my doc says I’m unable to work…by the time you pay your utilities you have nothing left so you are struggling every month just to survive. I can see why people are depressed and turning to violence because they feel that they have no other choice…”
“I have financial hardships with trying to buy quality fresh nutritious food for my family of 4. Doctors, school, even family members tell me that my four year old eats too much pasta and other carbs (contributing to his weight gain) as opposed to fruits and vegetables! Duh! Fresh, quality fruits and veggies are too expensive to buy once a week! My food stamps do not cover my family’s needs!”
“…always running out of food before the month is half-way over.”
“…and I think every day there are people out there, that go through and have it rougher than I do.”
“…medical card sometimes doesn’t cover the medications we need.”
“…Financially, we can’t afford anything but pay rent and utility bills. We can’t afford gas (prices are too high) if children need something special for school or for a sporting activity, it’s a struggle to get it, if they get it. It’s a struggle to keep up with buying personal hygiene items in a month’s time…Medically, we can’t afford to pay for medication that our insurance will not cover even if we need it, pre-authorizations are denied! So we do without a medicine because we don’t have the money to pay for it!”
Summary Observations:
Most respondents noted the rising costs of food and gasoline are adding to their increased debt while they try to continue to make it to work or doctors appointments on limited income. Others talked about the problems with the Medicaid card not covering all medications or that pre-authorization created a hardship. Others talked about the mental anguish of being poor and the stress it causes on their daily lives.
"What financial or medical hardships are you facing?"
“Every month I live with the fear of being evicted. I’m a single mom with two children…and if that were to happen, I have nowhere to go. I currently get OWF $410, but my rent is $425 not including utilities, or diapers, wipes, toilet paper, shampoo, soap, laundry detergent or gas for my van. Because of all the rising costs, I’m digging a financial hole every month I can’t get out of. This causes a lot of depression, despair and worry. I’m so busy with the worry of money, I can’t even enjoy my children as much as I would like to. Please, please help us, this can’t go on. Somebody be our voice. Sincerely…”
“I feel kind of a let-down and basically worthless to my son. If I had a car and extra money to feed him our hopes would begin to open up doors.”
“I never have enough money to pay my bills. I always have to figure out how to pay for food, I get disconnection notices all of the time. I never have enough gas to transport my children to and from school. I don’t have enough money to buy my children new clothes or school supplies. I don’t have enough money to enroll my children in any kind of sports or activities. I’m always worried about how I’m going to pay for things. I don’t have enough money to transport my children or myself to doctor’s appointment. I just don’t have enough money. Gas is too high priced, so is food. How am I supposed to raise a family of 5 on one income? Please help, give us more money to live on.”
“…I am a single father taking care of my 4-year old daughter…I have realized that due to the high bottle gas prices (which is a necessity to have in my home for cooking, heating, and having hot water for showers) and now the rising prices for automotive gasoline, complications have developed in my ability to provide my daughter with new clothing and new shoes when she needs them. This situation is also hurting my daughter due to our home and our vehicle (our only form of transportation), needing desperate repairs done to them. I could sit here and write a novel to you regarding all of the financial, physical, and mental hardships that I face on a day to day basis.”
“For the past few months my family has been unable to fully pay our monthly rent for our home. My fiancé’s job hours go up and down by the week. We have had to put ourselves further in debt by borrowing money just to have a place to live...It doesn’t help being denied for disability, over and over again. We began to lose hope, living paycheck to paycheck has really been a struggle. It just feels at times, people like us are looked at like lazy, poor individuals, which is obviously not the case at all. We just wanna be able to support our children and ourselves without worrying, what is to happen ‘next month.’”
“…There are days we don’t get to eat a solid meal, just soup and bread if we are lucky because I have other children that are over age and stop by to eat with us…”
“The income I receive is four hundred and ten dollars a month. My rent is four hundred dollars a month. By the time I pay my rent, I have to borrow money from my mother and friend to pay the utilities and don’t know were the money is coming from to pay it back…”
“It is very hard to get all that you can to feed your children when you don’t have the money or food stamps to buy them with. With the cost of gas now a days you get to pick either buy a gallon of milk or get a gallon of gas. And, if you don’t have gas to go get your child milk then you are just out of luck…”
“Trying to find a house to rent that I can afford…and money for gas…I just started working but its still hard to make ends meets. I’m on HUD waiting list going on two years now and still nothing is happening so far.”
“…I always run short on money for toilet paper, shampoo, conditioner, tampons, dish and laundry soap. And like everyone else who gets help from the state, I live disconnect notice from disconnect notice…I challenge any and all of our government officials to try to live off $336 per month. And let’s not forget we have to put gas in our cars at almost $4 a gallon.”
“…Without assistance we wouldn’t be able to make it so were very grateful the help is there, we just wish it could be more.”
“…Our food stamps don’t go a long way. Food prices have gone up, bills have all gone up and our income remains the same…I don’t like living month to month…Thank you for asking our opinions.”
“Where do I begin? I’m a single parent of three. I do get help…on top of that I work. I still struggle every pay check/every month…It would be really nice to be able to have some money in my pocket to be able to do something with my kids. As my kids are always telling me how they want this or want to do that and I have to tell them no. It’s sad when I can not even treat them to a 99 cent cheeseburger for good behavior.”
“…The food stamps we get are not enough to feed us for the month. We can’t buy anything healthy, it must be what’s on sale or what we can afford. Plus, I’ve got to throw in $100-$150 in money to the food cost every month. I also don’t have transportation. Instead of giving someone $20 for a 17 mile ride to the store I am giving them $40 for wear and tear and fuel.”
“…Raising 3 grandkids is a very hard task. I had to quite my job to keep kids. I could not pay for babysitter and could not get help…”
“…I don’t have enough money to buy my son clothes and shoes for school. I didn’t need help until I had a heart attack April 2007. I worked and I miss it a lot because I got paid every week and I was getting more a month. So if I can get help for gas and food, clothes, we would feel rich.”
“I am a single parent trying to raise 2 children on $410 a month because my doc says I’m unable to work…by the time you pay your utilities you have nothing left so you are struggling every month just to survive. I can see why people are depressed and turning to violence because they feel that they have no other choice…”
“I have financial hardships with trying to buy quality fresh nutritious food for my family of 4. Doctors, school, even family members tell me that my four year old eats too much pasta and other carbs (contributing to his weight gain) as opposed to fruits and vegetables! Duh! Fresh, quality fruits and veggies are too expensive to buy once a week! My food stamps do not cover my family’s needs!”
“…always running out of food before the month is half-way over.”
“…and I think every day there are people out there, that go through and have it rougher than I do.”
“…medical card sometimes doesn’t cover the medications we need.”
“…Financially, we can’t afford anything but pay rent and utility bills. We can’t afford gas (prices are too high) if children need something special for school or for a sporting activity, it’s a struggle to get it, if they get it. It’s a struggle to keep up with buying personal hygiene items in a month’s time…Medically, we can’t afford to pay for medication that our insurance will not cover even if we need it, pre-authorizations are denied! So we do without a medicine because we don’t have the money to pay for it!”
Summary Observations:
Most respondents noted the rising costs of food and gasoline are adding to their increased debt while they try to continue to make it to work or doctors appointments on limited income. Others talked about the problems with the Medicaid card not covering all medications or that pre-authorization created a hardship. Others talked about the mental anguish of being poor and the stress it causes on their daily lives.
Jul 8, 2008
Highlighting the impact of the current economy
This summer, The Athens NEWS plans to look at how the state’s poor economy and rising gas prices are impacting local government agencies and non-profits. Here are the first couple stories in a weekly series:
Gas prices, funding cuts batter Lottridge food bank, June 30, 2008
Seniors group cuts staff in response to budget cuts, gas prices, July 7, 2008
Disaster in the making: Regional food bank falls behind need, July 7, 2008
These stories come as no surprise to those of us working in human services, but thanks to the Athens News for sharing the stories of the impact on local services and the people they serve.
If you'd like to share a story, please comment!
Gas prices, funding cuts batter Lottridge food bank, June 30, 2008
Seniors group cuts staff in response to budget cuts, gas prices, July 7, 2008
Disaster in the making: Regional food bank falls behind need, July 7, 2008
These stories come as no surprise to those of us working in human services, but thanks to the Athens News for sharing the stories of the impact on local services and the people they serve.
If you'd like to share a story, please comment!
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