I, Valerie Adams Acevedo, a 49 year old, single mother of three boys, (James, 16, Eric, 15, both Life scouts and on their way to Eagle, as well as new members in The Order Of The Arrow, and Nicholas, 7 a cub scout,) have been struggling to keep my childhood home for two years. My boys and I have been through severe hardship these past few years. My children, all at one time special needs, witnessed the untimely death of my mother, then the death of their aunt, whom I had taken in to care for during her fight with cancer, the loss of our two remaining family pets, the loss of their parents marriage, and major move to New York. Our only vehicle, a 1993 Chevy Astro van with 200,000 miles and no reverse and inheritance was stolen by a handyman I had hired to help me upgrade this house, the vehicle has since been recovered at a cost of $1,500.00 but the jewelry valued at $10,000.00 remains a loss. I broke my fifth metatarsal and was casted for 9 weeks in 2007, then again broke a bone while saving a tortoise from becoming road kill, this kept me out of work for an additional five weeks this past September, 2008. I am alone, frightened and still despite being diagnosed with clinical depression I am unwilling to give up. I keep it together for my children.
I have had no guidance or mentors or help of any kind that would have helped me make smarter decisions, however, not only did I think I was doing the right thing, I am by no means an irresponsible borrower. I borrowed money from Emigrant bank, a no documentation loan at an adjustable 9.125%, (default rate 18%) and put over $170,000.00 into the upgrading of this home. I put in a new boiler, new windows, new roof, siding, gutters, basement, and bathroom, upgraded the electricity, fixed ceilings, and fixed walls, replaced worn bare flooring, painted and upgraded the second floor. I over paid and had several horrible experiences with service contractors. I then paid bills for an entire year in advance due to the special needs of my then four year old. I needed to be available for his therapists, specialists and there was no sitter that was able to handle him then.
The minute, Nicholas, entered Kindergarten; I secured a position as a school bus driver for the handicapped, at Educational Bus Transportation in Copiague, NY. This allows me to take Nicholas with me on my early morning route and then drive him to school. My older two pick him up and do homework until I get home in the evening.
I have rented the upstairs and started to board dogs in my home to those that want a kennel free experience for their pets. I do not call in sick, work all additional available bus runs, am able to receive unemployment when there is a lack of work, i.e., school vacations.
Presently, I am trying to secure a third job as a driving instructor.
this is where I am at on the affidavit.... I will send the first page next. Thanks for your help!!!!!!!