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Help Frank and Tom to save our home

Organized by: Frank Zalewski

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Hello, thank you for looking at our site. The problem is we are holding off foreclosure on our family home. If we can pay the arearages, late fees and start making payments again, the bank has sent us correspondence that they will work with us. My father, a general contractor, built our brick, ranch-style house. We moved in when I was 2 years old, in 1955. We have an accumulation of 61 years' worth of "stuff" and contracting equipment. My youngest brother, Thomas and I are the executors of our Mother's estate. My Mother, Theresa M. Zalewski, was a legal secretary for many years and worked for a few of the top legal firms in Hunterdon and Somerset Counties in New Jersey. She actually trained young attorneys and staff in correct procedure regarding real estate transactions. My brothers John and Tom moved back home with our parents in the late '90's because the economy was so bad. Mom was planning to retire, but when my father passed away in 2004, they lost my father's income and Social Security payments. She then continued working because she needed the income. In the Spring of 2012, my mother began exhibiting signs of being confused at work and in conversation. Her condition worsened over time and she was diagnosed as having dementia. By mid-summer that year, she could no longer work, but insisted she could, of course. My brother John became the primary care-giver and was trying everything he could think of to earn money and take care of her at the same time. Work was sparse, at best. I took over paying the bills and mortgage, with Mom's salary and Social Security payments. Super Storm Sandy really destroyed the cash flow. They were without power for three weeks and had to keep buying gasoline to run generators for water, cooking, heat and the refrigerators. Money was super tight after that. None of us could find any real work. Social security was covering the mortgage and the utilities were being paid every other month, because there was no money. The stress of this situation was incredible. John died at home of a massive heart attack in January, 2013. My mother was beside herself after that. Myself, my wife and Tom continued taking Mom to doctors three and four days a week. She finally succumbed in December, 2013, at the age of 83. With that, the Social Security payments stopped and we could no longer pay the mortgage. The estate is seriously under water with outstanding bills. Tom is living in the house. Tom is disabled and so am I. Tom has a problem called Charcot Foot. He has had several operations. He had several toes removed and has spent months in the hospital and rehab. He was hospitalized for more than half of 2014. He has screws, pins and plates in his leg and ankles. one leg is now shorter than the other and he can not walk without a special, custom boot that costs hundreds of dollars. He is existing on Disability, but his payments were recently reduced and can not make ends meet every month. Every job he has applied for, they look at him and his huge walking boot and say no thank you. So, he can't even work to earn money. He can not afford to move anywhere else. I was hit by a car on the job while working for an engineering firm in 1982. I still have pain from that and the State of New Jersey says I have a permanent disability. Also, I have cancer. It was diagnosed in early 2015, when pain and massive bleeding suddenly started. I had my right kidney removed. Since it was a Stage 3 aggressive growth, I am being scanned and tested every few months to make sure it doesn't show up someplace else in my body. The testing itself takes a toll on my body for nearly two weeks each time. Recently, my right knee gave out. I partially tore the ACL and bruised the interior of the tibia to a depth of about 5 inches. I am getting therapy for that. I have a big walking brace that I have to wear and I use a cane for balance. My background is Civil Engineering, Construction and Large Project Construction Management. I have not had a real job in about five years. The funds will be used to save the house from foreclosure and to make future payments. The arearage is nearly $58,000, with interest and fees. The balance will allow us to make the monthly payments until I can get income from a project I have been working on. That will be about a year until I can expect to see real money. Thank you in advance for your concern, prayers and donation. Frank Zalewski, Jr. and Thomas A. Zalewski


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