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Joan

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The Village Family Service Center
January 24, 2010

On November 8, 2008 I lost my main income earning job; about 70-80% of our income. My husband had recently been diagnosed with type 2 diabetes; and he already had four other chronic conditions. His medications were expensive and many. We were working with our mortgage company to stay in our home. This in itself was a stressful activity as the mortgage company seemed to keep changing their requirements. All our income was dedicated to the mortgage payments, there was litle left for food and medications. Sometimes we had to skip the meds because there wasn't enough to buy both. As my income declined we became late with our other bills. I have always communicated with our creditors. This time our creditors became impatient with me. Understandable. I felt overwhelmed because I had no way of getting another job like the one I lost. My husband and I began to promote our individual marketable skills in digital transfer (husband) dog training & boarding. It's been 14 months since I lost my job. Most recently my husband's chronic pain has become more intense. The stress of trying to earn income, manage 5 chronic health conditions and calm creditors has left us demoralized. A friend/client of mine who works in social justice suggested we contact the home ownership center online. There I saw a tab for credit repair and debt management. That's how I found The Village. I spent about 30-45 minutes on the phone with Dwayne at the Fargo location. He helped me see what other options we had and the pros and cons of each. We have begun to implement his suggestions and though we are not out of the woods, we have some concrete options to help us navigate the path forward.

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The kinds of staff and volunteers that I met were...

friendly and supportive and knoweledgeable. Now that I know there are things I can do; I will do them. I is SO good to have direction.

How frequently have you been involved with the organization?

One time

When was your last experience with this nonprofit?

2010

MY ROLE:
Client Served & I received financial counselling services.