We refinanced our mortgage in 2006 thinking we could get a leg up on some of our credit card bills and also invest more money into our home. I want you to have a good idea of the history of events that have occurred with our bank and credit. We struggle living week to week to pay our mortgage- which was underwritten to a smaller amount so that we do not have to let our house go into foreclosure. We do not have any insurance for our son and we are living off of my salary which is about 10K less a year and unemployment. I was only able to land myself a temporary job that my new boss is struggling to make permanent. He was called back to work in July 2009 but only worked for about 2 months before his company laid him off again and he has been out of work ever since. My husband, who was an electrician, has been laid off since September of 2008. I was laid off in June from a job that I was at for 8 years making a pretty substantial salary. I do not expect that anything will be done, but I do want you to hear how we are struggling. I have a concern that I need you to hear from an average family trying to make it through these hard times. I am a 35 year old mother of 1 little boy who is 5. I am writing you this letter in concern for the economy, my family, and my home.
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