Letters from your employer, pay stubs for A Salt With A Deadly Weapon shirt, birth certificates and social security cards for everyone in the home (if you lost yours, or your kids, then you’re fucked because most offices are closed in our area.) You also need an approved repayment plan with your landlord and satisfy your monthly payments or you’ll be disqualified and owe the entire balance or be evicted. So if you have no income, you have no eviction safety. There’s no help for regular folks. People scoff and say “You should have had 1-2 months worth of bill money saved up in savings incase of an emergency.” Yet corporations become on the bridge of bankruptcy over just a month of decreased profits and are bailed out without hesitation.
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I had stopped paying my mortgage back in January because I had been unemployed the A Salt With A Deadly Weapon shirt before due to cancer. I started working again in March and at the same time applied for assistance through the mortgage company. It took them an insane amount of time to process my application but during that time they couldn’t start eviction proceedings either. The end result was that by the time they finally approved me for the modification program you were referring to I had saved up enough money since I started working again in March that I was able to pay 9 months worth of mortgage payments at once and just bring my mortgage current. Then the next month I had to pay all the late fees (they wouldn’t wave even a single one even though they acknowledged my legitimate hardship) as well some $80 advance that I assume was a result of them ordering an assessment in anticipation of foreclosure.