First I want to apologize for not visiting your blogs this past month. I have been quiet on Facebook and Twitter too.
Today I will tell you why.
On March 29, Good Friday, I had a sheriff come to my door and handed me a paper that told us we had to get out of our home “with all convenient speed”. The deputy told me that meant within 30 days from when the paper was signed, which was actually a typed name of a judge, not signed, the previous Friday, March 22. So we lost a whole week because when it was delivered.
Add to that, we were working with a Federal Program on a loan modification that was supposed to be ready around April 15. My husband tried to work directly with our lender which was not the original or even the 2nd or the 3rd lender, but all he was told every week was that our modification was in process along with a different excuse as to why it was taking so long. In fact if we call there today they still tell us the modification is in process.
There have been a lot of things that have come to light in the past month, like the courts failure to record documents that would have stopped any foreclosure that was in process, along with several notices and documents we never received. The court nor the lenders attorney use certified mail so they have no proof they sent anything and neither do we.
Is has been a huge mess that my husband has been working on for what seems like forever. The representatives of the Federal Program were going to appeal for us or try to intercede in some way but the papers have been stuck in their legal department for the past 2 weeks. It amazes me that no one can put their hands on actual copies of anything with signatures that even say the company foreclosing actually holds the note on our house. This is happening to homeowner’s all over this country. The “too big to fail” banks are getting their cake and eating it too. There needs to be a complete overhaul of the mortgage/foreclosure system so that the same rules apply to everyone. If the bank/lender writes mortgages nationwide and sells and resells and bundles and sells again homeowners need to be protected so that one day you don’t find out your mortgage payment has doubled or tripled without any notification or reason.
But that is the war. Right now we have just lost this battle. Our house that my husband, kids, friends and family built for us 10 years ago. Handicap accessible, all on one floor just to make things easier for me is a huge lost but I am still here to fight another day.
Places to rent that are accessible for me and large enough are hard to come by. Our oldest son has moved home as he deals with a divorce and messy custody battle. He has almost 50% custody of his 1 year old daughter, plus our youngest children, adults taking time off from college and underemployed still live with us and are a huge help around the house. Plus we have the 2 dogs, our cats and our oldest son’s cats that were family cats before he moved out. Sherlock is a new one and he replaced Wiley who now spends hours each day back on my desk again now that he has come home.
Time was running out, we were granted a one-week extension by the sheriff when we begged, and we finally have found a place that will shorten my husband’s commute but add to the kids. The dogs get to go with us but not the cats and my heart is breaking. A couple will go to a family farm and hopefully the rest will be temporarily adopted by family. Our son plans to move out on his own again soon and hopes to take his cats with him, at least the 2 that were with us the longest. I definitely want to reunite with Sherlock as soon as possible. This house is just wood and brick, these felines have my heart. Sherlock has fought back so hard from his illness last summer and he still is not the guy that used to sit here with me every day. He rarely leaves my bedroom/bathroom area. When I am sitting on the bed reading his place is right on my lap. I feel like I am leaving one of my kids behind and have not been handling it well or really any of this well which has been why I been absent around the blogs.
This is a big change for all of us and very stressful. Hubby and I both feel as if we have failed. We should have probably never been approved for the original loan, but the joy we have felt here in this house cannot be taken away. Now we will start gathering new memories in new places. We are not the only ones going through something like this, some of you may have gone through this as well, and my prayers go out to you. We are lucky the kids are grown, we will still be close enough for visits to happen often and we will survive this. For a while I didn’t think we would.
We are taught to believe God doesn’t give us more than we can handle and I thought he had. But as we pack our things in a trailer and start life over again He will be by my side. He saved me after that crash in 2001 when I had no right living. My life is His hands and I will go where he leads although I am not always happy about it. I just must have faith. I lost it for awhile.
Thank you all for your prayers. I believe I regained strength because of them. We are moving today as you read this. I hope you will keep us in your prayers as the next few days are going to be rough.
I may disappear for a couple of days as we move and transfer internet providers. I have pre-scheduled a couple of blog posts. I will be back as soon as possible.