Land of the Free...and of the Homeless

  1. To any of you out there who are homeowners, and are even contemplating making a late mortgage payment (for whatever reason), DON'T DO IT! Back in May of this year, after I had spent hundreds of dollars trying to save my sick cat (and wound up having to have her put to sleep, anyway), I knew that I was not going to be able to make my mortgage payment on time. I notified my bank, and the reason why. June wasn't any better, when I broke my toe, and was out of work for three days. Not only did I get docked, but I also did not get the OT pay I had worked for. As a result, I was late with my June payment, also. I got home from work yesterday afternoon and opened my mail..to discover that the bank is foreclosing on my house for "missing" two payments. Frantic, I tried to reach my attorney, but his office had already closed. Desperate to try and get any kind of information about the meaning of "missed" payments, I found a website that offers answers to legal questions, and posted on their message board. Their attorney wrote me back and basically told me that a bank has the "right" to foreclose...even if you are five minutes late or a dollar short. I talked to my son last night, and he told me that a couple in his church group, even after making up $4,000 in back mortgage payments after his friend was laid off from his job, answered a knock on their door a few weeks back...opened it, and found two guys standing behind it. "Hello", they told this couple, "WE own this house now, and you are going to have to move out". The bank had sold the house right out from under them...lock, stock and barrel...and without notice. They immediately went to a lawyer, who basically told them they were out of luck, for what the bank had done was legal...and they were going to have to find another place to live.

    I'm sitting here, sick at heart, looking out the window of what was once was my "dream" home...which has now become my worst nightmare....and waiting for my attorney's office to open. As I do, I am also sickened by the realization that this has also become a land of the have-and-have-nots, and of the rich and powerful, and if you are of the working class (like most of us nurses are), you don't have a chance in HELL of surviving, if you get sick, lose your job, and have to make life-or-death decisions about who is and who isn't going to get paid every month. My mistake was trying to keep something alive that was very near and dear to me....and look where's it's gotten me! :angryfire
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  2. 23 Comments

  3. by   jnette
    I am so VERY, VERY sorry to hear of your troubles, and I do hope and pray that your worst nightmare will turn out to be just that. A nightmare from which you will wake up and find that your home is still in the best of hands.. YOURS.

    It is true.. I have heard reports of this and it's been on TV programs such as 60 Minutes or 48 Hours... it is appalling how heartless we have become.

    Please keep us posted, and I wish you the very best outcome. (((HUGS)))
  4. by   Annabelle57
    Oh, my dear: I am so, so sorry. My heart just broke for you when you lost Baby Cat, and now this...

    I agree with jnette - we ARE heartless. Maybe not any of us personally, but as a society, yes. Where did compassion go? I mean, I hate to use a catchphrase, but would Jesus do this? I think not. Unfortunately, that is not a consideration in peoples' minds, nor do they think that maybe a little grace would not hurt anyone.

    I will keep you in my prayers. Though I have never had to face a problem like this, I have often stared down what I thought was a loaded gun... only to have the situation (which originally seemed hopeless) turn around, resolve itself, etc. Miracles DO happen - call me an optimist, but it's absolutely true.

    <<<<<<<<<<<<hugs>>>>>>>>>>>>>>
  5. by   Havin' A Party!
    Hoping / praying things turn out well for ya.
  6. by   H ynnoD
    I've noticed you have'nt mention contacting the Bank?My inlaws were alot more then 2 payments behind on their house payments and were able to make arrangements to pay extra each month till they caught up.I would try talking to the people who count first.That lawyer money you will be spending,could be used on house payments.IMHO
  7. by   leslie :-D
    case mgr.,

    our country certainly is a paradox of the issues you mentioned, and many more. i cannot believe the heartlessness of your bank as i was under the impression that they are willing to work w/you. or is that only in the commercials?

    please let us know what your lawyer does. this really sux. and i am sorry.

    leslie
  8. by   mattsmom81
    Quote from Donny H
    I've noticed you have'nt mention contacting the Bank?My inlaws were alot more then 2 payments behind on their house payments and were able to make arrangements to pay extra each month till they caught up.I would try talking to the people who count first.That lawyer money you will be spending,could be used on house payments.IMHO
    Great advice and I've seen people successful going this route...throw yourselves on their mercy and see what they will do. I hope they will work with you. It would have been more successful had you talked to them ahead of time...many institutions understand and can work with you if you involve them early in the problem. Good luck and hope it works out...if it doesn't you've sure learned a very hard lesson and I'm sorry this has happened to you.
  9. by   SmilingBluEyes
    I am heartbroken reading this ...sorry sorry sorry.....Oh dear to have your home threatened. How awful. I am sending positive and hopeful thoughts your way right now as I write. Bless you and your family; I hope you weather this w/o losing your home! Lord I really do. I am pulling for ya!
  10. by   txspadequeenRN
    Oh my gosh, I feel so sorry for you (Tears dropping).
  11. by   Silverdragon102
    Quote from Donny H
    I've noticed you have'nt mention contacting the Bank?My inlaws were alot more then 2 payments behind on their house payments and were able to make arrangements to pay extra each month till they caught up.I would try talking to the people who count first.That lawyer money you will be spending,could be used on house payments.IMHO
    I am sure that she did mention that she had contacted her bank and gave reason to why missing first payment, not sure if she did re second payment.

    I hope CseMgr1 you have managed to get something sorted out
  12. by   nurseygrrl
    I'm sending good thoughts and prayers your way for the best outcome possible for you. Sometimes life seems so unfair.
  13. by   gypsyatheart
    I'm sorry to hear this! I agree that you should try calling the mortgage company. Ask to speak to the foreclosure dept, or the delinquency dept. It is very expensive to foreclose on a home, it seems as if they would want to work with you!
    Sending good and positive thoughts your way.
  14. by   movealong
    Call the mortage co. Usually these letters are intent to foreclose. Some will state a deadline for when payment is due.

    I was 3 months behind once because of illness ( breast cancer tx). I got the $ together, sent it in, no problems. Except that my credit rating sucks.

    I'm still in my home.

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