Foreclosure?!
Question: I have some friends that need help the bank is going to take there house. The Father works but he has had health problems and has lost his mother and a son in the last four years. He is an alchoholic he was recovered but due to all of the pressure and depression he has fallen of the wagon and given up on life. He has a son who lives with him he has some issues with social anxiety so he dosen't work. How can I help them get help if they don't want it?
Answers: I have some friends that need help the bank is going to take there house. The Father works but he has had health problems and has lost his mother and a son in the last four years. He is an alchoholic he was recovered but due to all of the pressure and depression he has fallen of the wagon and given up on life. He has a son who lives with him he has some issues with social anxiety so he dosen't work. How can I help them get help if they don't want it?
You can't help them save the home if they don't want to keep it. Even if you bail them out of this foreclosure, what happens when they stop making payments again? The exact same thing will happen, except with the next foreclosure, they'll have even fewer options than before.
The best you might be able to do is wake them up a little bit and show them that they need to start living again. If he doesn't want his living son to end up like the other family members you mention, then the father needs to start taking control back of his life.
Everyone goes through period of massive pain, but their response to that determines who they are -- not just the pain that they've experienced. So he needs to respond a little better if he wants to set a halfway decent example for the surviving son.
But that's something that you can't make him do; you can only try to open his eyes and guide him along the path a little. And it's up to you to decide how you want to do that.
You can't. If people don't want help, then they won't accept it when offered. The best you can do is encourage and assure them you'll be there to lend emotional support as they go through these difficulties. You can show them what their options are, but the rest really is up to them.
You can't help them if they do not want help. However, you can encourage the father to reconnect with his sponsor or to get a sponsor. Encourage both of them to seek treatment for the depression, to perhaps seek out financial guidance/intervention if this is a recent developement and the credit rating has been good in the past. Many times creditors are willing to make payment plans etc.
It is sad, but you can't do anything. Sometimes it takes a real fall for someone to realize that they have to do something. If the son is a minor, I hope there are other family members or a friend who could help him out.