Genuine Financial

Financial Hardship? Does any one know what forms my husband would need to fill out to begin the process of filing for financial hardship with the Navy? I work full time to help with the bills but its not enough. We are tryong to pay off our credit cards but its not working. He's in DC and I am in KC, he would like to be tranfered to the Reserves. He doesn't want out of the Navy just out of Active Duty because the distance is what is causing the financial strain I can't move from KC because of a situation involving my son from my first marriage. Any help would be greatful Thanks. He has tried talking to his chain of command but they will not listen to him, nor help him out. Is there anyone else he might be able to talk to?

How signing an Affidavit of financial hardship affects ones credit? I heard about President Obama's "Make Home Affordable Program" and I was just wondering how signing an Affidavit of financial hardship affects ones credit. Anyone know?

How do I ask for or file for financial hardship? I am currently out of work since May of this year. And living on unemployment, just enough to pay my living expenses. I have around 9,000 in credit card debt. I also am in a program to try cut my debt in half with debt collectors calling daily. I want to file for financial hardship because I can't pay my debts due to me being out of work. Thank you.

When filling Chapter 7 bankruptcy what is considered financial hardship? I'm getting ready to file and I want to make sure that my financial reason is an acceptable reason. Can you list the things that would be considered a "financial hardship"? Thank you!

Would claiming financial hardship to get bank charges refunded quicker effect my credit score? I have been overdrawn for some time and am claiming back unfair bank charges and just wondering if I claimed financial hardship to get my application through quicker if it would effect my credit rating at all. Thank you, I like your answer its a very nice and informative one.

I currently am in default with my fha loan due to financial hardship. Is there any good advice to give me? Due to financial hardship, I have gotten behind with my FHA mortgage loan. I have been in constant contact with the financial institute who has my note and they won't help me until I am able to make my payment for three consecutive months. If I were able to make the payment, I wouldn't need the help. Does anyone have some experience with this type of situation and can give me some constructive advice?

how to write a letter to traffic court to pay ticket with volunteer work and prove financial hardship? I pleaded not guilt to a speed ticket and I was found guilty; therefore, I have to pay it. My wife and I are unemployed and I want to know how to write a letter to the judge to prove financial hardship and instead I want to do volunteer work.

Would claiming financial hardship to get unfair bank charges refunded quicker effect my credit score? I have been overdrawn for some time and am claiming back unfair bank charges and just wondering if I claimed financial hardship to get my application through quicker if it would effect my credit rating at all.

Has anyone claimed financial hardship to get back unfair bank charges? The Financial Ombudsman said this will help my case when it goes to the high court. But is it really worth filling out the form they say they are going to send me, they did say my case would be seen quicker if I did say I had finanical hardship but whats wrong with waiting in line like everyone else. The actual case about bank charges is going to court for everyone to see if they are unfair. Theres little chance of me going to court.

How to rephrase this "prevent undue financial hardship."? The full line is "Would you like to save your family from undue financial hardship when it comes to final expenses." I would like to rephrase this in simpler language as I believe some of the people my ad may go to are not English proficient or English is their second language. Thanks!

Has anyone ever got money back from banks based on financial hardship? My fiance is writing a letter to his bank with a list of fees and charges incurred over the last 3 years while in a legal state of 'financial hardship'. He fits this criteria for several reasons and is hoping to have some of the fees reimbursed, as suggested by a money saving website. There are testimonials on the website of course but I was wondering does anyone know of anyone who has actually been successful in this process?

Financial hardship...? OK, so I got a call from a collector lastnight telling me that they are trying to contact my finace about his student loan. She told me that they are going to garnish his wages by 25% each paycheck. He called her back and told her what we spend a month in bills and what cash flow we have. Basically its $2500.00 a month in bills and he makes $2400.00 a month in pay. She said that the minimum amout he can pay a month is $145.00. How are we suppose to do that, and have money to support three kids? Dont they have to go to court if they were to garnish his wages or could they just do it if we dont pay the $145.00 a month. He offered to pay her $50.00 a month until we get on our feet and she said no. Is there anything we can do??? Can someone please tell me what laws they might have broken as the first responder has stated

Can I do a short sale with no financial hardship? I live in a neighborhood that is turning bad very fast. I need to get out. However, I owe $109,000 and I can probably only get $90-95,000 for the home. It's so bad right now that I am willing to just walk away from it. I make decent money so is a short sale out of the question? My realtor recommended a deed in lieu of foreclosure. I don't want to mess up my credit though. Should I tap my 401k to cover the potential loss on my home? Take out a loan to cover the loss? Or worst case scenario foreclose even though I have no financial hardships? I am in dire straits. Please help!!

is my financial hardship because of my mother in laws bad wishes? i feel my financial hardship is because of her bad karma before we got married and the negative feelings/thoughts she has toward me.

Are others in a financial hardship? I have managed to get through 2007 and am very nervous about 2008. Are other people struggling with their finance as well? Since October of 07 I have had extra financial burdens, such as, medical bills, car repairs, etc. I feel alone in this trek. Please help.

What is an "affidavit of financial hardship"...this is required to qualify for mortgage help? "The administration, launching what it calls the "Making Home Affordable" initiative, said that borrowers will have to provide their most recent tax return and two pay stubs, as well as an "affidavit of financial hardship" to qualify for the $75 billion loan modification program, which runs through 2012." http://news.yahoo.com/s/ap/20090304/ap_on_go_pr_wh/obama_housing

If I consolidate my student loans can I differ them if I come under financial hardship like individual loans? I have 52k in student loans, my wife has another 30k. The first question is should we consolidate them all togeather and 2nd question is what if we have a finacial hardship or some other unforseen event and cant make the payments. Does the William D Ford Federal Direct consolidation loan have deferment options like I do now with all these individual loans? Thank you all for your time.

What is required for a smog waiver due to financial hardship in the state of Calif? The car is a 1981 Cadillac and has just failed the smog test in Calif. The owner is an 89 year old widow on a fixed income. She has asked for my help and I do not have any answers to her problem.

How to drivers license reinstated due to financial hardship construction worker cannot go to work found job? after 6 mo.but need license,was denied restricted,was told to pay fine in full to get license $1500,was denied community service work, or jail time what can i do. Starving Frank This job req.drivers license,plumber this is the first job in 6mo.was refused restricted license, community work ,or jail time, (dont want jail ) due to hardship or to keep job.I am not a criminal ,my license issue came from fixit ticket years back.

How do we explain to our kids about our financial hardship? Unemployed for quite a while now, and having no luck finding work. Our gas was shut off yesterday and we are really facing losing everything very soon. How can we explain this to our 3 kids without shaking their sense of safety? We have worked so hard to shield them from all of the stress and worries, and now we have to tell them...but what? Thank you for your help.

How many "financial hardship" recipients will this Bill create? Could small business owners with very good accountants actually wind up getting coverage for free? Then use their savings to buy better insurance when they become ill with something more serious than a cold? I bet we're going to find out.

How do I write a financial hardship letter to my mortgage company?

Can someone help me write a financial hardship letter? I didn't get as much as I thought I would get in scholarship money and my parents expected contribution is 1/2 of their income! Can someone tell me where I can get a template on how to ask for more money?

I have heard that President Obama has made a grant to assist people in financial hardship? I have a list with many types of Gov Grants but i can not find the class he has opened. Would anyone know.

claiming financial hardship on my car loan? i am upside down prolly 6 grand on my 2004 vw beetle. im having trouble making the payments. my friend told me to call the bank and claim financial hardship and they will cut some off the loan and lower my interest rate and my payment. is this a good idea?

how do I get government grant money for financial hardship? I don't have a place to live and only one car because i have bad credit and low income. My wife and I both work in two different cities (opposite direction) and make too much to qualify for low income housing, but not enough to survive out current situation. We have huge debts (ie. student loans, credit cards, repo car bills etc...). How can I apply for govt grant money to help with some of the debt?

Can I cancel my claim for workers comp because of financial hardship? I have carpal tunnel in both hands and need surgery , but they are taking their time with this and in the mean time we may lose our house and everything else due to know income right now.

Cancelling a cell phone contract due to financial hardship? Hi my cousin's ex has stopped paying child support and skipped town. She can no longer afford her cell plan with T-Mobile. Is there anyone she can talk to, in order to get out of the plan?

can i negotiate short sale with my lender if i have no proof of financial hardship? I simply walked away from my house because I do not want to pay interest only and adjustable payments. I got the house 2005, at the peak of house value. My mortgage was modified 5 months ago, only to extend 2years of interest only payment.

Is it possible to get out of a leased vehicle from Chrysler, due to financial hardship? My father has appx. 10 months to go on a 4 1/2 year lease, but has since lost his job, sold his home, and had several life-threatening health issues, leaving him destitute, in a very short period of time. At this point, a $400 car payment, is a huge burden, and he is now going without his heart prescriptions, in order to make ends meet, and has now had a stroke due to this. I am sure he can't be the only one ever to be in this situation. He is still current on his payment, he would rather do without necessities, than ruin his credit. HELP!!!!

How do I make money quickly to get myself out of financial hardship?

Is there a Template Letter I can use to explain my financial Hardship to Bill Collectors? I want to apply some loose money to all my debt but I dont know how to type a decent letter to see if they will take a substantial amount off my debt so I can tackle my debt. Slow and Steady wins the race i,m hoping. Thanks in advance

Does the military provide any services to help with debt and financial hardship? Please don't say "Navy Reliefe Fund" I am not looking to borrow any more money. I just need help getting things sorted, and need advice, a plan, and tools. THanks! If so, how can I go about it? Who do I go to? We're stationed at NAS Oceana if that helps.

what happens if you stop paying your mortgage, but are not in financial hardship? condo is not financially worth keeping due to market being upside down. loan is 100% finance 5 yr arm with 1st and 2nd lender. is there a law to protect the me from the banks?

Financial hardship letter for medical bills? Does anyone have links to or suggestions for a financial hardship letter for medical bills? Ideas?

Is it hard for an International Student to get a work permit due to Financial Hardship? Do I really have to wait 3 months for the answer? (USA) Do I really have to wait 3 months for the answer?

Where can I find trustworthy resources for low income home owners experiencing a financial hardship?

Why would people think if the put your Business in financial hardship they think there going to get it? Do this people really think that your going to reward that type of behavior buy selling your business to them. I would rather die than to reward that type of behavior.

I heard that Obama announced a Bailout Grant for people with financial hardship.? Does anyone know about this and how do I apply for it?

is this a good example of financial hardship? I am applying for a scholarship, and here is one of my examples, Because both of my parents could not afford to pay my orchestra tuition last year, the income i received from my summer job went to the tuition payments.

Can you file bankruptcy to remove student loans if loans will cause extreme financial hardship?

Anyone else having financial hardship this holiday season? My husband and I are making more money this year, we have four children, and it looks like this Christmas is going to be a lot smaller than previous ones. Anyone else having this problem?

What is the FAX NUMBER FOR GI BILL FINANCIAL HARDSHIP? I want to know if anyone has this fax number?

Ideas on how to start a Financial Hardship letter? Dont know how to start one, any ideas?... Please help

how to transfer army bases (from seattle to NYC) due to Marriage and financial hardship? Proceedure on how to transfer army bases due to Marriage and financial hardship-have fiance in seattle, wa and I am in New york city. What is the best way to get a transfer-financially its gettingg very expensive to travel for us and NYC has more opportunities. He has a job lining up from a relative in NYC and all he needs its to transfer from his base to a base locally in the NYC tristate area.

I am a qualified childcare worker, and would like to return to work due to financial hardship. I? I have a 2 year old daughter who attends daycare 3 days a week and my 7 month old son only attends when i am doing relief work. I would like some advice on weather it is a good idea for me to start back at work full time as we are in desperate need for money for christmas or if i should not worry about christmas and savour the time i have with my children while i can, while they are still growing up. Id hate to miss any of there magical milestones. Help

Can you use financial hardship,as a case to get out of jury duty? We have a handicapped child.I`m his caretaker,so my husband works.What do we live on,for the time he has to serve jury duty.He was laid off a few times off and on.Is this an excuse to get out of jury duty?It pays 25 dollars a day.

When applying for mortgage financial hardship with mortgage company I was told that I had to wait to the first? of the month to apply because the first is my due date w/o payment. I don't want to be late. They say I have a 15 day grace period before I'm late. So if I'm not approved I can still make the payment. Why do I need to wait til then. I know I can't do it w/o help.

Has anyone ever had to ask the local Church for money during a financial hardship ? I am new to my area, and dont currently have a church home, but I am going through a financial hardship right now, and for the first time in my life, I am DESPERATE for money ! my situation is unexpected and temporary..... with out going to deep, someone told me based on my situation it might help to contact my local church, I've never done this before, do churches give non-members money ? how should I go about this..??

Does Jesse Jackson really believe that minorities are the only;y ones who have suffered financial hardship? Maybe I've mis-understood him, but it seems to me that Al Sharpton and the other minority leaders think all white guys are rich. What do you think? Don't be a troll and get me deleted again, because it's a pain to have to keep coming back. Open your mind and answer me honestly!

Are you all experiencing financial hardship, and making changes to your lifestyle? I and what seems like everyone I know is facing hard times. Do you have any suggestions to change ones lifestyle? Have you changed yours? Thanks for all the suggestions everyone

Why do women stay in unhappy relationships? Is it the financial hardship of being single? Just wanting to hear opinions of why you think women stay in unhappy and nonsatisfying relationships including marriage. Do you feel it is because of the financial hardship of being single or is it the fear of being alone?

Can a insurance company be sued for extreme financial hardship by discontinuing 100% of your benefit for 3 yrs? I had over 90 percent of the money to pay. Unum insurance refused any payment arrangement and would not take the money unless it is full payment. I am disabled. i am loosing my house and health. I even have to some how pay the taxes. Is there any civil law or law I can sue them for

If a college isnt "financial need blind", is it a bad idea to write about financial hardship? OK first, is USC need blind? ( they dont take how much your family makes into consdieration when you apply) or what about the UC schools? and if they arent would it be bad to writea bout financial harship for my college application? Also are these colleges need blind or not? University of Miami Boston College Cornell Chapman University University of Michigan

Women, why do you make decisions the lead to financial hardship? I don't get it; why do women get themselves into financial hardship? -Get themselves pregnant before marriage or have multiple children with a boyfriend. -shack up with a guy and allow him access to you bank accounts. -date a married man or worse, shack up with with a married man who already has kids. -date a man who doesn't even have a job or can't sustain employment -plan to get married to a man who's broke.

what do i need to get a financial hardship withdrawl from my 401k to avoid eviction?

Financial hardship assistance from your lender? If you were in the position where you were genuinely struggling to keep on top of your mortgage payments and/or any loan or credit card payments what debt assistance would you want from your lender?

Should I close out my Credit Card for "financial hardship?" i cant get ahead :(? hi, i took a job overseas to try to pay off my cc debt. im sending 900 a month but the interest is eating all of it ! i asked them to lower i they hardly did at all. i was so mad. i asked what other option "Close it out due to financial hardship and pay the balance" would this effect my credit very bad? im not getting ahead at all Thanks!!!

Can a garnishment be stopped due to a financial hardship when the wages are garnished? A SINGLE PARENT OF THREE AND A CREDITOR WANTS TO GARNISH MY WAGES FOR A REPOSSED CAR

where can i find a sample financial hardship letter for my mortgage company?

I work for Canada Post, financial hardship. Can i request my vacation pay and not take holidays?

One of the main reasons women have abortions is financial hardship? So the argument (on this front) is then Obama’s mother would have been better off aborting him? Or that Martin Luther King Jr’s Mother would have been better off killing him? Or Malcom X or the whole list of other Poor parents in the world who have spawned noble Prize winners, Presidents and Rights Activists which have not only shaped our world but changed it for the better. Where would we be with out them, I don’t know any kid who would rather have money over their parents love i grew up on welfare so yeah I think NOT

is there a process, or legal action to claim to avoid eviction due to financial hardship? san diego, ca? I am 2-3 months behind in rent. have tried every available resource to receive financial asst. Was notified there are no more funds available until new budget plan is received. Will be evicted this friday, 2-6-09. DESPERATE FOR HELP. DONT WANT TO BE HOMELESS! DEDICATED,DEVOTED FULL-TIME STUDENT!

Can you be evicted for being late with your rent, if you've been having medical and financial hardship? I've been ill and because of it lost my job. I've been looking for something right away, but in the meantime my rent have been late. I'm single, with no family, and my credit isn't good enough for a loan. I notified my rental manager in a letter, letting them whats going on and if I could pay in installments. I don't know if this will prevent court proceedings.

why serving on the jury often a financial hardship for some jurors?

Can one tie the financial hardship families are experiencing to the feminist movement? a few decades ago, the feminist movement began that empowered women to be their very best. A GREAT idea...but have their been negative consequences to that? nobody is passing any blame here, just asking a question. I gotta tell ya, if you answer is yes, that doesnt make the movement wrong. With change, things get worse before it gets better. One qualifies to answer this question only if they can think beyond the nose on their face. Respectfully, of course.

401k distrubution penality due to financial hardship? My sister was working full time. She lived with my mother and the two of them co owned a home. My mother died unexpectedly and left my sister to make all the payments. she went back to work ( insurance castastorpe claims adjuster) and all the bills she was left with she became ill , due to stress, and has been diagnosed with ulcerative colites. She was hospitalized for some time. While on disability she was informed that her position was being terminated. she was offered a severance package but told either she could stay on, Without pay and disability ran out, and keep insurance or leave and take the severance package. She took the severance package and did not recieve anything for 2 to 3 months and was behind on bills. She borrowed money from family and friends to cover essential bills but fell further and further behind. she recieved her 401k money and used most of it to cover her behind bills. Is this enough to help her avoid the 10% penality and how should she file.

Would you rather vote for someone who grew up rich or new some financial hardship?

What tax penalties will I face next year if I stop my 401(k) and take the money due to financial hardship? I'm 21.

Financial Hardship withdrawal from TSP? When you make a financial hardship withdrawal from TSP while under the age of 59 1/2 and still in service, can you only take out what you put in? or can you get what the govt. has matched also?

my 2 year financial hardship moratorium on my mortgage is due to expire and i cant afford to resume paying?

$2400 balance on a $500 limit credit card due to financial hardship. How do I get myself out of this mess?!? Due to the head of household of my home dying last year I had to pick up a lot of extra financial responsibility which unfortunately meant me disregarding my credit card bills for over a year. I have racked up $2400 in debt due to overages/late fees and I have felt bullied by the credit card companies from the get-go but was too scared to call and explain the situation. My dad or grandfather would co-sign on a personal bank loan with much lower interest so I could pay the credit cards off if I asked them nicely.. is this the right way to go?! The creditors are getting pretty threatening and I really don't know what to do, any advice for this 21 year old college student would be greatly appreciated!

Is this a qualified financial hardship? (Army deployment related)? I returned home from my last deployment in Sep 07 with the National Guard and now I am slotted for a deployment in Jan 09. I am small business owner, I own a photography studio, and I am the primary/only photographer. It is my full-time job. It is just me and two other people, one is the bookkeeper and the other the technology guru. Now, since without me, it's obvious the business will fail because I am the photographer, can this be considered a financial hardship and get me out of deployment? (BTW, this deployment isn't a company-wide thing; they are only "picking and choosing" 130 personnel from our company of 160.) I just don't want to see my business fail because I've put so much money and work into building it.

withdraw from 401k for financial hardship? I've been out of work for a few months and am seriously hurting. In less than a month I'll be relocating out of state for another job that I have lined up, but until then I can't pay my bills! Does this qualify as a financial hardship to withdraw from my 401k? In addition, If I do withdraw, are the taxes taken out right away or do I have to be prepared to pay them come tax season? also, what is the penalty for financial hardship withdrawal? I realize it is never wise to withdraw from your 401k, but I'm only 24 and already have almost 30k in there because with any job I have I contribute as much as I possibly can because I realize how important it is. Please don't bother including why it's a bad idea to withdraw in your answer, I know already and that isn't my question.

Credit card question-closure due to financial hardship? hi, i took a job overseas to try to pay off my cc debt. im sending 900 a month but the interest is eating all of it ! i asked them to lower i they hardly did at all. i was so mad. i asked what other option "Close it out due to financial hardship and pay the balance" would this effect my credit very bad? im not getting ahead at all Thanks!!!

jury duty financial hardship rejected? Actually the court(los angeles county superior court) sent me second letter(response to my filled out prospective juror affidavit) stating that they need information on my financial hardship. What do I need to send them? In the initial affidavit, I wrote "if I have even one day off from my minimum paying work, I won't be able to make my apartment payment". I make about $1,500/ month working full time & my apartment fee is $700, $300/car&ins, $100 utility, $100/gas, $300 for food. I have nothing left over. what kind of information do they need? Do I need to send them my bank statement? I only have $48 in my checking account. so I need to send them my phone bill, gas bill, electricity bill, gas receipts, car payment stubs, insurance stubs, & pay stubs? Is it safe to send them that much of my personal documents? Is that the only way?

I want to have a web page that raises money for people experiencing financial hardship.? Any ideas on what i should call it? (www._____________.com)

Divorce - Mediation - Financial Hardship? My daughter has a trial before court date in a couple of weeks. Her "new" lawyer lied and told her the judge had ordered her to mediation (there is no such order, not signed and not on file). She only has enough money for the actual trial itself and not the additional $5,000 for a full day of mediation. If there's no signed order, I don't want her to agree to mediation. Questions: 1. If, at the trial, the judge actually DOES order mediation, can't her lawyer plea Financial Hardship as a reason why my daughter can't goto mediation? 2. If the judge doesn't accept Financial Hardship, can't her lawyer demand that all mediation costs be paid by her to-be-Ex ?? 3. Is there any other acceptable way for her or her lawyer to get out of going to mediation ?? Thanks for your help. Thank you all for your answers (except for hex of course.... grow up). The judge set the trial date 2 months ago. I guess all she can do is show up for the mediation and hope his lawyer doesn't screw her over. As for the $5K, it's nothing considering she's already paid $30k for absolutely nothing. The only good lawyer really is a dead lawyer.

I have a residential lease in NH if i lost my job could I use that as a financial hardship to break the lease?

I need your help EVERYONE - financial hardship? I know this is a long shot and i may get abused by some of you for it but im am in the worst situation in my whole entire life, this is because i let people live with me and they double cross me and dont pay me. I had friends and sisters and mothers bests friends daughters live with me they all ended up using me and leaving me with all the bills to pay. I pay one bill off and another one comes and i dont know what to do. I have to pay: $1800 worth of credit loans to get my house up & running upfront. $500 worth of course fees to become a photographer upfront. $600 dollars worth of phone bills of calls that i didnt make upfront. $200 dollars worth of utilities bills that people havnt paid me for. These people use me up for my good nature & leave me to rot. I also have the scare of finding out that i may b pregnant. I need your help i cant take these people to court i dont have sufficient evidence and i dont earn enuff in a week to even start paying this off. I hate begging for charity

I just sold my mutual funds because I was in financial hardship. Is the money I got taxable?

can you tell me what % of americans retire in financial hardship today.? i'm writing an ebook and i've gotten to the part where i would like to put my question in there and cannot seem to find it on the internet and I came across this Q&A.

How can a disabled veteran get immediate financial assistance due to hardship? I am a service connected disabled vet with serious skin cancer due to chemical warfare in Iraq. I have a family of five and we are in dire need to pay bills. My question is please someone show me a way to making some real money from home before I have to rob a liquer store or something to feed my children. (REALLY) We are hurting that bad and we need help

Financial Hardship program; Bank of America? Is it a deal ? any other options? (I am disabled)? I fell ill and could work very little. I owed Bank of America a sum of 12, 000 USD. We made a deal I would pay 250 a month for 5 years and they in turn would not destroy me and my credit. I fell more ill (Lupus)and cannot work. I am applying for disability. Is there any other options I can take so I will not have them destroy me or my credit ? Thanks