| Author |
Message |
Rieann
Member
08-26-2006
| Friday, October 24, 2025 - 9:52 pm 
RN Congratulations, Naja! I love that you held firm. Powerful. 
(((Grooch)))
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Legalboxer
Member
11-16-2003
| Saturday, October 25, 2025 - 6:08 am
Not sure where best to post this but share wherever you can
For any federal employee needing this information (although people have posted complaints about Chase credit cards)
RESOURCES:
Bank of America: announced assistance available to furloughed Federal employees. Call the priority assistance line 844.219.0690.
Chase Bank: Chase today announced efforts to help its customers who are U.S. government employees affected by the U.S. government shutdown. Here’s the special line they set up 1-888-356-0023.
Congressional Federal Credit Union: For more information on our Relief Line of Credit or any of our assistance programs, contact our Member Service Representatives at 800-491-2328 or stop by one of our branch locations.
Fed Choice: They’re offering quite a few different options to assist – for existing and new members.
Interior Federal Credit Union: They’re offering a special loan for both member and non-member furloughed Federal workers. Net paycheck up to $15,000, interest free up to 30 days. Members may apply for a limit up to the equivalent of 2 net paychecks. More offers are available on the site or call 800-914-8619
Navy Federal Credit Union: These guys are offering a special loan program. Read the FAQs PDF from this link to see if you qualify or call 1-888-842-6328
PayPal: PayPal has made a very generous offer. They’ve allocated $25 million to fund interest-free cash advances to our furloughed Federal workers that need assistance right now. This is for both new and existing PayPal Credit customers. Minimum loan is $250 with a maximum cash advance of $500. Your account does need to be in good standing if you’re an existing PayPal Credit customer. Existing customers call 1-877-689-1975. For new accounts, apply here first, then after approval call 1-877-689-1975.
U.S. Bank: Will waive all late fees if you miss a mortgage payment due to the shutdown. Also mentioned they will defer first payment dates for new mortgages.
U.S. Employees Credit Union: USECU is also offering shutdown loans, but only until Tuesday, January 15th. Call (312) 922.5310 to get help.
SunTrust: SunTrust didn’t make a specific offer, but they did make a public announcement that they have programs in place to help clients affected by the shutdown.
Synchrony Bank: These guys handle store cards for Amazon, Lowes, Walmart, JCPenney, Chevron/Texaco, and many other large nationwide companies that you might do business with on a day-to-day basis. They are allowing affected customers to defer payments until after the shutdown. Contact them for more information.
Union Plus: For union members, there are a great number of options available if you’re with Union Plus. Call them at 800-472-2005 to ask about these offers: $300 Furlough Grant for eligible Union Plus credit card holders, Mortgage Assistance Loan & $300 Grant: payment grace period for your Union Plus Life and Accident Insurance, payment grace period for Union Plus Auto Insurance, and payment grace period for Union Plus Life and Accident Insurance.
Wells Fargo: Here’s a full list of all shutdown assistance lines at Wells Fargo. They’ve got a few different options to help depending on the services you have with their bank.
Furlough Grants
FEEA-NARFE: This is an awesome offer that every furloughed Federal worker needs to take advantage of. FEEA-NARFE fund is offering $100 grants to active federal employee members who are not receiving a paycheck during the current shutdown due to being furloughed or working in excepted status. To apply, visit the FEEA website.
Thrift Savings Plan
TSP Plan News and Announcements: TSP allows for the suspension of loan payments when you go into non-pay status. They do not require documentation about your furlough currently. Missing one or two payments will not cause your loan to go into default. Log in to your account to check your status or simply call the Thrift Line at 1-877-968-3778.
Toyota Financial Services & Lexus Financial Services: Affected lease and finance customers in good standing with their accounts may be eligible to take advantage of up to two months of finance contract payment extensions or lease deferred payments. Toyota Financial Services call 800-874-8822 and Lexus Financial Services call 800-874-7050.
Hyundai Capital: Hyundai will extend all Hyundai Capital auto loans and lease payments for 30 days for current Hyundai owners who are federal government employees furloughed during the shutdown. Impacted consumers should contact Hyundai Motor Finance at 1-800-523-4030 to take advantage of this offer.
Kia Motors Finance: Kia has announced they’re offering deferred payments of 30 days. If you’ve been affected by the current Government Shutdown and need assistance from Kia Finance, please contact us at 1-866-331-5632.
Ford Credit, GM Financial, & Mercedes-Benz Financial Services: It has been reported that these companies are among those providing qualified customers options such as payment deferrals, late fee waivers and special care lines to address their individual problems, though official announcements from these companies have not been released online.
Mobile Telephone Service Providers
AT&T: Will assist with adjusting late fees, providing extensions, and revising payment schedules.
Sprint: Will provide short-term payment solutions. Call 1-888-211-4747
T-Mobile: Offering short-term assistance and can spread out service payments over time. Call 1-877-746-0909 or 611 from a T-Mobile device.
Verizon: Offering flexible payment options and has a Promise to Pay program to set payments for a future date. Call 1-866-266-1445.
Rental Home Assistance
National Rental Home Council: Represents many of the nation’s largest operators of single-family rental homes. They’re offering deferred rent payment options with no late fees to any renter who has been furloughed.
OPM Sample Letters for Creditors and Mortgage Companies: OPM created these sample letters for Federal workers to contact their landlords, mortgage lenders, and utilities, to request help during the shutdown.
National Food Resources & Advice
Feeding America: These guys have a nationwide network of 200 food banks. From those food banks, they have 60,000 partner pantries from which they can serve every community across the United States. This is an awesome resource, and they have already begun serving Federal employees affected by the government shutdown.
Your School District: To save on food and ensure your kid eats breakfast and/or lunch free (less stress and worry for you), notify the district of your furlough. No income is an emergency and normally qualifies you for the free meal program.
Home, Auto & Life Insurance Relief
MetLife: For those not receiving a paycheck from the federal government because of the current shutdown, MetLife Auto & Home may grant a one-time, 30-day grace period on your payment of premium on a MetLife Auto & Home policy. Members must request this one-time allowance by calling 1-800-GET-MET8. Certain restrictions apply, and premium remains due after delay expires.
Fidelity & Guaranty Life Insurance Company: To help the nearly 27,000 AFGE members who currently have a policy with the company during this government shutdown, the company “will keep the policy-in-force by waving the cost of insurance charges for the next 30 days.”. Policies beginning with the letter "Y" call: 844-800-9146, all other policies call: 888-513-8797
Other Notable Mentions for Relief & Assistance.
Rent-A-Center (Benefits Plus Membership): If your account was up to date at the time of furlough and you are a part of benefits plus you may be eligible for a payment waiver based on your state: “Involuntary Unemployment Payment Waiver: Losing a job is hard and making payments while unemployed is even harder. Fortunately, your Membership waives your payments when you are involuntarily unemployed. Whether you were fired, laid off, suspended, or are out of work due to a labor dispute or strike, your payments are covered for up to four (4) months, up to $1,000, or when you’re able to return to work.”
National Freebie Offers
U.S. Office of Personnel Management: Their fact sheet states that federal employees may be eligible for unemployment compensation administered by state unemployment insurance agencies. So, eligibility is determined by state law, not on the Federal level, which may work in your favor.
USAA Are offering deferments for all loans and credit card payments.
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Seamonkey
Moderator
09-06-2000
| Saturday, October 25, 2025 - 1:00 pm
Awesome.
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Egbok
Member
07-12-2000
| Saturday, October 25, 2025 - 8:18 pm
RN thank you Legal for the information.
RN i’m bummed because my five week old puppy took a big crunchy bite into the top corner of my laptop screen and now my computer will not turn on. I did try to turn it on once, but the view was nothing but fuzziness. I’ll be researching laptops soon to replace this one.
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Sugar
Member
08-14-2000
| Sunday, October 26, 2025 - 8:11 pm
RN Naja, I wanted to let you know that I admire how you have persevered over the last few years. You have shared some of the challenges you faced and you have met and overcome them. Moving house is not an easy process, I'm pleased you have a good sale of your current home and have found a nice place to make your new home.
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Seamonkey
Moderator
09-06-2000
| Sunday, October 26, 2025 - 9:36 pm
Sugar tells the truth!
Naja, very proud of you and happy!!
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Naja
Member
06-28-2003
| Monday, October 27, 2025 - 5:23 am
RN Thank you so much, Sugar and all. I couldn't have done it without the help of everyone here. First after I lost my DH, and then making it through not being able to pay my bills on my own. I've only made it this far because of all of you. (and Mom helped a bit).
Today is the day I give the $1,000. earnest money toward the house.
I've booked the locksmith, and the people to hook up gas for the dryer. This house only has an electric hook up.
Still looking for someone to carefully remove and take way the old carpet before I move in. They have only a tiny time frame to get it done.
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Naja
Member
06-28-2003
| Monday, October 27, 2025 - 1:54 pm
RN Check this out. My real estate taxes for the new house will be $1,100 less per year, and I just got a call from my insurance agent and my homeowners insurance will be $204 less a year. Same coverage.
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Sugar
Member
08-14-2000
| Monday, October 27, 2025 - 3:45 pm
That's great news Naja.
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Juju2bigdog
Member
10-26-2000
| Monday, October 27, 2025 - 8:31 pm
Yay, Naja!!!
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Seamonkey
Moderator
09-06-2000
| Monday, October 27, 2025 - 10:32 pm
Really nice, Naja.
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Naja
Member
06-28-2003
| Tuesday, October 28, 2025 - 8:09 am
RN Well now there's something odd going on with her loan. I'll get to that in a min after I share what happened with the inspection.
The inspection report came back on my house and they want the fireplace gas leak fixed (there is no leak). The gas company just left and checked the fireplace, dryer, water heater, furnace, and outside by the meter. No leaks.
Then it said they want a tandem breaker box installed because 4 of the breakers are double tapped. So I called my electrician and he's working up a quote.
THEN, my agent called me and said the woman has changed lenders and for me not to do anything else to the house until we find out if this lender is ok.
It's one worry after another.
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Sugar
Member
08-14-2000
| Tuesday, October 28, 2025 - 3:46 pm
Well, ding dang! I hope the it all works out and quickly.
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Juju2bigdog
Member
10-26-2000
| Tuesday, October 28, 2025 - 10:36 pm
(((Naja)))) That stuff DOES happen when it gets down to the nitty-gritty of buying or selling a house. You may also experience it on your purchasing side, where you are being advised to question certain things about the house you are buying.
(and I am not even sure at my advanced age if some of it might be hyped by the real estate agent)
BUT, just roll with the punches and realize that BOTH buyer's and seller's real estate agents are being well paid by YOU (and your buyer) to work this shit out. So, let them work it out to your benefit. That is also what you are paying them for, and they do not get paid until after closing.
It will usually all work out just fine in the end.
Where is EGBOK when we need her? Her username is an acronym for everything's gonna be OK.
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Mameblanche
Member
08-24-2002
| Wednesday, October 29, 2025 - 2:56 am
Congrats Naja, I hope the bumps get smoothed out quickly.
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Naja
Member
06-28-2003
| Wednesday, October 29, 2025 - 3:12 am
RN Thanks for your words of encouragement, all. 
It ends up the changing of the lender was supposedly just a miscommunication, and she is still with the original lender.
It ends up that she had signed an "as is" clause for my house and I don't have to fix anything, and she isn't expecting me to. So why her agent sent over the inspection that required me to fix things is beyond me. Now that is straightened out.
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Grooch
Member
06-16-2006
| Wednesday, October 29, 2025 - 3:42 am
What a relief!
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Mameblanche
Member
08-24-2002
| Wednesday, October 29, 2025 - 7:46 am
Excellent!
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Kookliebird
Member
08-04-2005
| Wednesday, October 29, 2025 - 8:36 am
You agent should have known that it was being sold as is and stopped that when she received the request. When I sold my dad’s house, as is, my realtor told me what I did and did not have to do to the house. I never did anything without confirming with my agent. In fact, my agaent usually had people that he could reference for the 2 things that I did have to fix. In Oregon, even though it was as is, the buyer was going through, I think an FHA loan, but not sure. Because of the government loan, I only had to fix things that stopped the loan, otherwise, the buyer would not get the loan approval and I would need to resist the house. The buyers asked for all kinds of things from the inspection report, but the realtor told me what I needed to fix. I did not do anything without their confirmation.
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Jimmer
Board Administrator
08-29-2000
| Wednesday, October 29, 2025 - 9:50 am
RN, That’s great news, Naja!
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Seamonkey
Moderator
09-06-2000
| Wednesday, October 29, 2025 - 11:01 am
Progress!
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Seamonkey
Moderator
09-06-2000
| Wednesday, October 29, 2025 - 11:30 am
I am trying to schedule.. Before I move home I need a screen for my sliding door (also some other screens but later for them as one window id blocked).
I need a new front screen door eventually.
But first I need the old blind to cover a window where anyone walking past can seebin. I never pulled that blind up, but when abatement was done last year blinds were pulled up, removed and stored in the garage.
I cannot get it to budge. Contractor said he would look at it. Waiting for that.
Once thst is done, I can hire movers to bring in furniture from garage and over garage, and move furniture from one room to another upstairs.
Then get Spectrum to get cable, Internet and WiFi working again.
Then move stuff from rented room back home. Move back with Katniss.
Then get this room and bath super clean.. And the carpet cleaned.
Then other screens, doors.
Also have three wall cabinets to get assembled and hung.
Car servicing and get windshield washer fixed.
Then paperwork.. Real id, passport, willed body program, trust..
Kind of exhausting.. And also have exercise classes, singing, lectures and such..life.
I have been bringing some items home for awhile.
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Seamonkey
Moderator
09-06-2000
| Wednesday, October 29, 2025 - 11:33 am
Naja, one nice thing is a local move.. Yours and mine. I remember all that went into our move from Michigan to California, rental for 1.5 years, then move to my parents' last home.. Not that I was that involved but my mom was..
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Naja
Member
06-28-2003
| Wednesday, October 29, 2025 - 12:04 pm
I had no idea you were this close to moving back home. That's terrific!
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Seamonkey
Moderator
09-06-2000
| Wednesday, October 29, 2025 - 12:35 pm
Well it has been over a year since the water flooded.
I now have someone coming tomorrow to look at the sliding door and put in a screen.
They also work on other screens.. I have 2 rooms upstairs where wind actually destroyed the screens.
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