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VideoFound Male Lab Mix. Light Brown. Neon Orange collar (Reminton).Saint Hedwig, Near Lubianski's feed store 210-859-1546

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Help Wanted

Caregivers needed. Call 830-431-2389.
The 81st Judicial District Attorney’s office is seeking candidates for the position of an Administrative Assistant. Duties will include but not limited to: answering incoming calls and greeting visitors, prepare discovery for defense bar as required, providing administrative and clerical support to the ADAs and District Attorney, assist in general office work and perform related duties as follows: Operate a multi-line telephone switchboard, proficient use of software applications and computer equipment, scanning and compiling files for eDiscovery, filing and creating court files, generating reports as required. Applicants must have at least five (5) years of administrative assistant experience, strong computer skills (Word, Excel, PowerPoint) ability to multi-task, excellent organizational skills and attention to detail. Some heavy lifting (about 40 pounds) required. Please mail, fax or email resumes and cover letters to the address and email below. DEADLINE FOR RESUME SUBMISSION IS MAY 6, 2016 AT 5 P.M. District Attorney Rene Pena, C/O Teri Reyes, Office Manager, 1327 THIRD STREET, FLORESVILLE, TEXAS 78114. Fax 830-393-2205. terireyes@81stda.org.
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Savvy Senior


Help for seniors facing forclosure




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Disclaimer:
Jim Miller is responsible for this content, which is not edited by the Wilson County News or wilsoncountynews.com.
Jim Miller
The Savvy Senior
January 4, 2011 | 2,310 views | Post a comment

Dear Savvy Senior,

What kind of help is available to seniors who are facing foreclosure? My 76-year-old mother has fallen behind on her house payments and is very concerned about losing her home.

Worried Daughter

Dear Worried,

With more and more Americans carrying mortgage debt into their retirement years, the foreclosure rates among financially strapped seniors has become a big problem. Here are some things you can do to help your mom.

Foreclosure Help

If your mom has fallen behind on her mortgage payments, or if she has already received a letter or phone call about missed payments, your first step is to contact the lender immediately to explain her situation and see if she can work out a payment plan. Be prepared to provide her financial information, such as her monthly income and expenses.

You also need to talk to a foreclosure avoidance counselor. These are HUD-approved, trained counselors that provide free advice and will help you and your mom understand the law and her options, and organize her finances. They can also represent her in negotiations with her lender if you need them to. To find a government-approved housing counseling agency in your area visit http://findaforeclosurecounselor.org, or call the Homeownership Preservation Foundation’s HOPE Hotline at 888-995-4673.

Another helpful resource you should know about, and one your counselor can help you explore, is the Making Home Affordable program. Created by the Obama Administration in 2009, this program offers struggling homeowners the opportunity to modify or refinance their mortgage to make their monthly payments more affordable. It also includes the Home Affordable Foreclosure Alternatives Program for those who are interested in a short sale or deed-in-lieu of foreclosure. To learn more about these programs and their eligibility requirements see http://makinghomeaffordable.gov.

Reverse Mortgage

If your mom has some equity built up in her house, another option worth considering is a reverse mortgage. This lets seniors (age 62 and older) borrow money against their home which can be used to eliminate their mortgage payments, and it doesn’t have to be paid back as long as they live there. Reverse mortgages have also gotten better in recent months as many lenders have reduced or waived up-front origination or servicing fees making them a much better deal for borrowers. But, be aware that reverse mortgages are complex and they aren’t right for everyone. To learn more, or to contact a reverse mortgage counselor visit http://www.hud.gov or call 1-800-569-4287.

Watch For Scams

You and your mom also need to be aware of the many foreclosure and loan modification scams that are out there today. These are con artists that reach out to foreclosure victims via letter, phone call or email, or they may advertise their services on television, radio or in the newspaper, claiming they can stop your mom’s foreclosure or can negotiate a loan modification for her -- if she pays them a fee first. Or, they may try to get her to sign documents for a rescue loan that actually surrenders the title of her house. Never sign anything or hand over any money unless you run it by your HUD counselor first. You can learn more about foreclosure scams at http://loanscamalert.org .

Savvy Tip: Make sure your mom is not missing out on any financial assistance programs. The National Council on Aging’s benefitscheckup.org website contains a database of more than 2,000 federal, state and local programs that can help seniors in need. The site will help you locate programs that your mom may be eligible for and will show you how to apply.

Jim Miller is a contributor to the NBC “Today” show and author of The Savvy Senior book. Send your senior questions to: Savvy Senior, P.O. Box 5443, Norman, OK 73070, or visit http://SavvySenior.org .
 
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