The house I live in with my spouse & family has several large holes in the walls & floors from prior owners, & no insulation in those areas. None of our doors to outside work properly. We've been working for months to be able to get these things fixed before it gets too cold, & right when we saved enough & signed agreements with a contractor (& put part payment down), we got screwed over by a cc company. We can no longer afford to have these things addressed, & it's already freezing temps here.