My name is Sandra Vincent; I am originally from York , Pa. but now reside in Richardson , TX . ( 1603 Woodoak Dr. Richardson TX 75082 ) I am 66 years of age; my only income is Social Security. I have no savings of any kind and no other retirement income. I know this is a long shot. I realize the likelihood of receiving any help might not be there but I thought I would try.
I moved to Dallas to be with my daughter, I no longer had work and the last remaining member of my family, my sister, passed away, so I packed up and moved and hoped to start a new life in Dallas .
Everything was going well, I found a job shortly after coming to Dallas , bought a new car and lived with my daughter in her apartment. Michelle was working two jobs and going to school. Michelle was dating a man named Allen who she was very fond of, he had found a really good job working in IT Telecom Helpdesk for J. C. Penney in their Corporate office and after her graduation they talked of marriage and wanted to get a house big enough for all 3 of us, because we all got along quite well.
Michelle was a Navy Seabee/carpenter for 5 years so she wanted a fixer upper with hopes of getting married and having a family. Michelle found this house in Richardson, TX, and she loved it and thought it would be a good place to start. However, although they started a lot of repair projects, such as painting, ceiling fans, some new doors, cutting down trees etc. all seemed to slow down to a halt when Michelle discovered she had breast cancer. I thought maybe she had a good chance of surviving as I am a breast cancer survivor myself of over 20 years.
The doctors she was seeing gave her a very poor outcome, so my soon to be son-in-law Allen started researching Cancer on the internet in order to buy her more time. Nothing was working, Michelle had a lumpectomy, chemotherapy, and than a mastectomy removing the right breast. Another small surgery to remove even more cancer, after numerous rounds of radiation, the cancer was metastatic moving to the bones and spine. Michelle was spending quite a bit of time in the hospital while Allen and I and other church people kept vigilance at her bedside. Long story short, Michelle had a short time to live, my son in law found an experimental treatment www.IPTQ.com the treatment held a lot of promise for Michelle but the only person who was using this treatment was in Atlanta, GA. Michelle went to Atlanta and did OK the first few days, but the guy treating her was deceptive in his skills and grossly overdosed her on Methyltrexate. Because of the overdose Michelle suffered with failed kidneys, septic shock and passed away of congestive heart failure on Christmas Day a few years ago.
My son-in-law and I were both at the hospital when Michelle passed away, it was horrible losing my daughter but my son-in-law took it very hard. Although he tried to return to work he couldn\’t deal with the grief and guilt he felt, lost his job and has had a very difficult time trying to find work since, he has been hospitalized many times for drug overdose and is mentally and emotionally disabled still. He has been trying to continue the work on the house in memory of my daughter, while being under psychiatric care and on several meds dealing with PTSD, anxiety disorder, as well as many side effects from the meds he is currently on.
Currently, he is trying to get disability, but we are behind on the mortgage 6+ months and Wells Fargo is threatening to start the foreclosure process on us which can happen in 20-30 days now after receiving there demand letter. I did take early retirement, no longer wanting to deal with the traffic, I have been basically taking care of Allen and in so doing, have used up all my funds, maxed out every Credit Card, hoping that I would find work, Allen would get well and find and keep work also. None of which happened. There are days Allen is too depressed to get up out of bed and other days he seems to do better and works on the house finishing what ever he starts however if someone or something upsets him he is back in a very depressed state for days.
The house still needs many repairs, wiring problems in the attic, no insulation in the attic, the roof needs replacing and more. Allen has no one and we have no where to go. The only way to survive is find some way to get the house paid off or at least caught up until he gets on disability.
I am having difficulty getting work, as this is the worst time to hunt work, considering the economy, and the fact that I no longer could pay my bills, my Credit rating is so low that it is now preventing me from getting work. I and Allen have tried many Charities and organizations to get help, have gotten help with food but they can only do so much. I have always paid all my bills, always had a job, and provided for my child, and I am not used to being this destitute. I want to stay in the house; I have a few pets, one of which was my daughter\’s rat terrier named Sassy. With my present financial situation, I probably couldn\’t find other housing because of income and credit. I really need to keep this house, or be homeless.
Our only way out at present is to get out from under the mortgage; I might mention we are in an upside down situation with the mortgage. The appraised value of the house is more than it could sell for, so getting rid of the house is impossible and if we did, we would not have any money left to move anywhere else after paying off the mortgage. With no mortgage payment or at least one delayed long enough for Allen to receive disability funds and what I receive on my Social Security I feel very confident; we could pay the monthly bills and stay in the home my daughter loved. I am still actively seeking work but to no avail at present.
I realize this is a long letter, but I had to give you some background to show you that I have been trying to stay afloat, but I am now drowning. I have no family to help with anything. If you know of anything more that I can do or any other programs that will help me survive this situation, please let me know ASAP.
If you desire anymore information of any kind, or need to send paper work to be filled out, please write me at [email protected] or mail to: Sandra L. Vincent, P. O. Box 852094 , Richardson , TX 75085-0294.