[OcwenLoanModification]

City: Lawrenceville
State: Georgia
foreclosure help in Georgia
County: Gwinnett
I had a rough year. I finally had gotten a job and started on a home retention program that was working out but I lost my job and was unable to keep the final payment arrangement and now I am facing foreclosure.

How did you fall behind and has your situation changed:
I was separated from my husband and moved from New Jersey to Georgia in April 2007 and was out of work for 4 months. I had no additional income so I lived off credit cards. Once I finally got a job I had to play catch up and instead of getting paid every two weeks I got paid twice a month that was an adjustment and to top it all I drove 80 miles a day back and forth to work. I was paying a lot of money in gas. I was not making enough to get caught up with my payments and other expenses so I fell behind.

I finally got another job that was closer to my home so I paid less in gas and was slowly making progress. I was able to maintain my current home retention payment arrangements with the exception of the last month because I lost my job in August 2008. Unfortunately I lost my job and I am out of work again but I am working diligently towards finding other employment and I have made adjustments in my life separating my needs and my wants in order to save my home.