I am a widow, unemployed and XXXX. My husband died 4 years ago and left me a mobile home where I am presently residing. Our mortgage company is CITI MORTGAGE. 
We are paying this company for over 20 years and still have a balance of {$62000.00} dollars, with interest of 7.76 %. 
Two months after his death, I called CITI if my husband 's loan is being paid off thru insurance. They said he got no insurance and that the wife is responsible for paying his loan. They told me to send his Death Certificate and some other papers so they can change his name and put my name on it. I refused. 
Right now I 'm having a hard time to support my XXXX adopted children, XXXX in college. Please help me solved my problem with this gigantic company where I have no voice and money to fight them. 
I thought Mobile Home is cheaper than a real house, but since I married my husband, he got a balance of {$79000.00}. I have no idea why this house is very expensive. 
Second concerns of mine is SEARS CREDIT CARD. 
Even though I am so poor, I always pay my bills on time. I do have a good credit. Last week I happened to read the article regarding your willingness to help us and believe me or not, the article lifted my spirit, hoping that maybe you are answer to my prayers. 
Sears charged me 25.24 % on interest and plus account care program which I pay {$65.00} monthly.Before I charged my purchases to them, I told them to cancel account care and they told me, they do n't use it anymore so I thought that there will be no charges. 
Account care is a ripped off, they said they will pay my bills if I become unemployed and disabled. I have XXXX. Anything you can help me is greatly appreciated. Thank you very much. 
XXXX 
