Discouraged, Frustrated, Depressed and Really Confused

Hi all -

We've been on a long hiatus since giving this a shot last year. Nothing worked. I read the Profit For Real Estate book back to front; my husband did the same. But with utilities and stuff getting ready to get shut off, RE had to go to the back burner while I got back into my transcription and my husband started taking things to auctions, selling scrap metal and stuff for cash.

In the meantime, the scrap business has kind of dried up around here and my wrists, hands and shoulders are giving me a lot of problems so I've had to cut back on my transcription.

I've been trying to market our other businesses and that's not been going very well. I don't think we're trying to sell the right things or something.

So I'm back here again. We still have our property finders website but I haven't done much marketing on that yet until I know what the heck I'm doing. :-/

Okay, so here's our situation - We have literally $4 on hand and $28 will clear into my PayPal account as soon as one of my clients pays his invoice. And that's it for another two weeks when my husband's social security check comes in - which will ALL go to the mortgage.

I'm stressed, which exacerbates my medical conditions (my doc told me - No Stress). Right - in our financial situation, stress is one thing that's virtually unavoidable.

So last year we tried the realtor way and that didn't float. We tried to get buyers lined up by doing some direct mail marketing, that didn't work. It almost seems like our particular area is saturated with the "We Buy Houses" signs. I'm serious - they're everywhere! They're on telephone poles, sides of barns, billboards, lawn signs. Every shape and size signs. So we've got some excruciating competition here with trying to put signs up.

We tried doing some bird-dogging and that didn't work either. And now we really don’t even have the money to keep gassing up the car to drive around and look for houses, which we did for hours and days on end last year.

And we literally have not one red cent to invest on anything. I'm to the point now where I've even suggested that we sell our own house and find something cheaper. But even thinking about that brings me to tears - and just adds more stress to this already stressful situation.

But something has to give. And we just don’t seem to be able to catch any breaks or even create any for that matter.

On top of everything else, our mortgage company has us by the neck and played every game they could to their advantage to keep us from getting a loan mod. We've been dealing with them for almost two years now, including getting our congressman involved, and have gotten absolutely nowhere with that.

Okay, so enough of the "sob" story here. What we really need is someone to guide us in the right direction - do a little "hand-holding" until we can get a handle on what to do, how to do it, and find something that's going to WORK for once.

It just seems like things keep changing all the time in this market and I can't keep up with it! Everything we tried to do last year always ended up that WE needed money or credit, and being on Social Security disability (both of us!) with a mortgage company that proceeded to get our credit TRASHED, we're in a really bad situation here.

So feel free to private message me with some idea of what to do or where to go next because I would love to be able to post that we made some kind of a deal somewhere that's going to help springboard us OUT of this current situation.

Thanks for listening. 

As an aside: I just printed out our free tickets to the upcoming "Insider's Financial" seminar in Harrisburg so I'm looking forward to that!!!