Amy Currioman

My dear sister is in a big mess.  She is trying to refinance her house because the interest rates are so low, and she really needs to lower her monthly payments.  Her husband was badly injured in a car accident eighteen months ago and has been unable to work since then.  He has not been able to collect any kind of disability or sick pay since the accident, so the entire family is dependent on my sister to support them.  At the time of the accident my sister had been looking for a new job to help make ends meet because even though her husband was working full time, his paycheck just wasn’t quite enough. 

She had been looking for a job for about six months prior to the accident and she was not having any luck at all.  She has a bachelor’s degree in business administration, and all of the local businesses have been telling her that she is “over qualified” for the jobs that they have in the area.  So she finally got hired part time as a substitute school bus driver simply because the school board was so desperate for drivers that they don’t care about college education – just a high school diploma, a CDL and good driving record.  Ironically, the day she took and passed her CDL test was the same day that her hubby had his accident!

So she has been working as many hours as she can doing that, but has also been looking for another job as well.  In order to survive, they have been leaning heavily on their credit cards.  Even though they have been keeping up with all of their credit card payments and mortgage payments, with the financial crunch going on during this recession has caused many of the credit card companies to cancel a lot of their cards.  This has badly affected their credit score, and it is now making it difficult for my sister to get any kind of credit loan.  Going to refinance her house, the mortgage company says that in order to take into account her part time jobs she has to have been working there for at least two years.  The poor girl just can’t catch a break!

This entry was posted on Wednesday, May 6th, 2009 at 6:30 pm and is filed under Business and Work, Finances, Friends and Family, General living. You can follow any responses to this entry through the RSS 2.0 feed. You can skip to the end and leave a response. Pinging is currently not allowed.