Posted On: August 22, 2007, 3:58 pm CDT

Posted By: Sad but true

You people just don't understand my situation. I know I don't make much money, but we really needed that 55" HDTV with surround sound so I put the $5,000 on my credit card. Then we needed that hot tub and that was $2,000 on my credit card. Then all the stress was just too much so we had to go on that cruise that was $7,000 on the credit card. And we also like to go out to eat and everything and before you know it our balance was $45,000. We had a hard time making the credit card payments so two years ago we refinanced our mortgage. We were able to get 100% financing and an adjustable interest rate. We had to sign a bunch of federal government disclosure documents about our loan. I don't think they were very important so I did not really read them. It was great. We were paying $250 less that our previous mortgage and credit card payments. Since we had extra money (the $250 per month), we bought a new Chevy Tahoe. We got a good deal and were able to finance it for 72 months. Six months ago my wife got sick and since we did not have insurance we had to put that $4,000 on our credit card. My wife liked being off so much that she quit her job.

Then three months ago they told me my interest rate on the morgtage went up and my payments were being raised by $500 per month. I am sure that evil Bush is doing this just because I did not vote for him. This is not fair. We don't have the extra money and should not be required to pay this additional amount.

Some of you are very mean and want to blame this on us, saying it was our responsiblilty due to the decisions we made. I just don't understand that. We are entitled to a new car and to have nice things and live like we want to.

Some of you implied that the government should do something about this. I agree. Who can I contact about the government paying off our mortgage for us. Do you think they will also pay off our credit cards and our car note too? Thanks for your help.