logo

Debtconsolidationcare.com - the USA consumer forum

eviction in illinois

Date: Mon, 01/15/2007 - 07:48

Submitted by candiceann2003
on Mon, 01/15/2007 - 07:48

Posts: 139 Credits: [Donate]

Total Replies: 54


does anyone have any advice how to avoid eviction in illinois ....i pay them everything i can but am still behind $2700.00....have 3 kids...not looking forward to being homeless


Have you tried contacting any local charity organizations/churches, ie: Salvation Army? Also try contacting your local human service dept. (welfare office) they should have what is called a retention program, even though you may not qualify for medicaid or food stamps there is a program for those with a higher income to receive assistance with utility shut offs and evictions/foreclosures. You should contact them ad inquire about such programs and have copies of any eviction notices or shut off notices.


lrhall41

Submitted by WHEREAMI? on Mon, 01/15/2007 - 07:51

( Posts: 5263 | Credits: )


I think all states have Sec. 8. There is a huge wait list for that program though. Each state only releases a certain amount each year and those who are already on the wait list in each county get them. BUT, if you are a family with children that is considered an emergency and you go to the top of the list.


lrhall41

Submitted by WHEREAMI? on Mon, 01/15/2007 - 07:54

( Posts: 5263 | Credits: )


i make $45000.00 a year...but with 3 teenage kids... and pdls....and no child support hard to make it...i am going to take your advice and start contacting these organizations....all they can tell me is NO.


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 07:54

( Posts: 139 | Credits: )


i just need help to get caught up...i don't think i would qualify for steady section 8...although one just never knows...it's an avenue i'm going to look into. i'm prone to thinking that with my income no one will help.


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 08:00

( Posts: 139 | Credits: )


I can tell you from a personal story that the Salvation Army kept me and my mom from living on the street. I was amazed at their help. I never pass a red bucket without putting in some money.

Also candice - any chance your church might be able to assist you? Mine has a benevolence fund to help out attenders with just a story like yours.


lrhall41

Submitted by jedijeff13 on Mon, 01/15/2007 - 08:17

( Posts: 1734 | Credits: )


although i am catholic and a strong believer...can't say i'm much of a churchgoer...perhaps it's not a bad idea though at this point in my life....i certainly am going to try the salvation army today. i wonder if the church would help if i've never attened.


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 08:28

( Posts: 139 | Credits: )


If it helps any, I'll donate you my accrued points.
Also, don't think that pdl's come first. No matter what any collector might threaten your with, you can put your pdl's on the back burner until your basic needs of food and shelter are met. I've seen pdl's in default for over a year and nobody ever goes to jail or gets garnished. Those collectors are so full of prunes.


lrhall41

Submitted by Jedi Mistress Ari on Mon, 01/15/2007 - 08:31

( Posts: 2192 | Credits: )


i don't mean to sound mushy and weird...but i love, believe, and collect angels...and someone up there sent me some angels thru this website...i cried all the way home from work this morning, scared to death of what is happening to me....it's like an avalanche.....and now there is hope...thank you so much.


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 08:34

( Posts: 139 | Credits: )


Candace,
I am so sorry to hear of your trouble. Have you gotten an eviction notice, and if so, how many days were on it, ie, 30-day, three-day, etc. Depending on your state law, you might be able to possibly file a continuance. I would definately call Legal Aid or another low-cost attorney to get advice at this point as to what your rights are.
But Ari is absolutely right. Put those PDL's on the BACK BURNER right now. Your priority is to pay that back rent!


lrhall41

Submitted by kscornell on Mon, 01/15/2007 - 08:37

( Posts: 4407 | Credits: )


i do live in will county...joliet(ingalls park) if your familiar... what is the name of the church? and what do i do with points? really new here...sorry...and jedi..the pdl people scare me to death...are you saying they are not as aggressive as they try to come off as?


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 08:39

( Posts: 139 | Credits: )


Candice! They make a 50% commission on defaulted payday loans! They'll say anything to beat you into submission and what they say is more often than not a violation of the fdcpa. Don't be afraid of those windbags. Your basic needs come first, no question about it and once again they are more full of prunes than used car salesmen! Relax!


lrhall41

Submitted by Jedi Mistress Ari on Mon, 01/15/2007 - 08:44

( Posts: 2192 | Credits: )


Oh - and we are communitychristian.org

In fact, you are welcome to come to my exact location (we are a multi-site church). We are in Shorewood (59 and Black Rd). Sundays 9:30 and 11am. Kids programs for you little ones so you can worship in peace. Coffee. Snacks. Rocking music (got some U2 on the schedule this coming Sunday).

If you have any questions about church, PM me. Other questions about you debt - keep 'em here so we can all talk about them and help you.


lrhall41

Submitted by jedijeff13 on Mon, 01/15/2007 - 08:48

( Posts: 1734 | Credits: )


your right jedi...i need to worry about my backrent before pdls..i thank you all and i am going to start on my calls to salvation army...i will be back soon...i love it here....


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 08:55

( Posts: 139 | Credits: )


Candice, I just pm'd Vikas a request to transfer my unused points to your account. They can be converted into cash. Currently you have 581 points, that's $5.81, I have twenty or thirty something dollars worth of points that I haven't cashed in. They are yours to celebrate this day. We have peace back in the forums, and you as a brand new member!


lrhall41

Submitted by Jedi Mistress Ari on Mon, 01/15/2007 - 09:20

( Posts: 2192 | Credits: )


Candice -

I just asked that my points be cashed in the other day, or I would donate! However, I do send my prayers and concern for you and your family. And please heed the advice of the other members here - those PDL companies are not going to have you arrested. Your concern is in the proper place - providing for your family!

You take care of yourself and your kids, and keep us posted!


lrhall41

Submitted by SUEBEEHONEY70 on Mon, 01/15/2007 - 10:13

( Posts: 4583 | Credits: )


Candice, I understand what you're going through. Supporting teenage boys is very expensive. I have three and get a decent salary, also, but without child support and with all the things they need, it's not easy. I just cashed in my points; otherwise, I would gladly donate to you. I'll see how many I can rack up. You definitely have my prayers in the meantime. You will get out of this. As hard as it is, don't let these PDL places intimidate you. You need to take care of yourself and your family first. The best of luck to you. Keep posting and let us know how you're doing. We're here for you!


lrhall41

Submitted by dbaker6 on Mon, 01/15/2007 - 11:48

( Posts: 1600 | Credits: )


thank you guys soooo much....i'm WOWED by the fact that total strangers can be so generous...hopefully someday i can be in a position to help someone else out....THANK YOU


lrhall41

Submitted by candiceann2003 on Mon, 01/15/2007 - 18:07

( Posts: 139 | Credits: )


well i've called the Salvation Army (no funds), Daybreak (no funds), and i called Community Concern who does have funds but I do not qualify because of my Income. So I guess I will tighten my belt, and without the pdl's coming out of my check I will play catch up with the Landlord.


lrhall41

Submitted by candiceann2003 on Tue, 01/16/2007 - 06:28

( Posts: 139 | Credits: )


Yes, basics are covered, and my landlord has been pretty understanding so far, but I can tell they are losing their patience with me, which scares me to death. So right now the plan is to tighten my belt and get them paid as soon as possible. Making a trip to Aldis today, groceries are my biggest expense on a weekly basis, but there are ways of cutting corners which i really need to concentrate on to pay the backrent. I really feel like a idiot, i make decent money, but just have managed it like a moron....time to make a change. Tonite I will sit my children down and explain to them somewhat of what's going on here, and basically ask them for their help. They need to understand basics are just going to be covered here for a while, while we play catchup. If they do not know somewhat of the situation they will bug and bug for extras....hopefully they are understanding...it will be much easier, i think, if they know what's going on and why we need to do a cutback around here.


lrhall41

Submitted by candiceann2003 on Tue, 01/16/2007 - 07:24

( Posts: 139 | Credits: )


If you're honest with them, even if they fight it at first, they'll understand that it's for the best.

It's hard at first to really buckle down and cut costs, but you can do it.

And if there are extra expenses you can do without--Like cable tv, etc...Cut them. You can get it turned back on later, but you have to think necessary. Or even if you can downgrade your package, that can save some per month. (Or sometimes if you tell them you will cancel, they will discount your rates to keep you..)

We just talked about Aldi the other day. You can save so much shopping there for your groceries.

Once you get started on the saving, you'll find other ways to save.


lrhall41

Submitted by Jessi on Tue, 01/16/2007 - 07:56

( Posts: 3361 | Credits: )