It’s hard to describe what I’ve been feeling for the past ten days.
Ever since I inadvertently discovered that the mortgage company was up to no good, I think I’ve been in a state of shock. August 26th will be the seventh anniversary since we signed the papers and got the keys to this house, and it still seems rather surreal that by August 26th we could very well be packing to move out.
Each day is different. I wake up refreshed (amazingly), but within moments of waking up my head begins to feel like I am swimming in a fog as I realize I have not been dreaming. My wife and I have been making numerous phone calls to family members, attorneys, and real estate agents.
Several family members have offered assistance, for which I am genuinely grateful for. The two attorneys I spoke with think we’ll have a good case to get some of our money back, but they both doubt that anything will occur to help us stay in the house. We’ve spoken to a few real estate agents as we attempt to find another home, even a temporary one, so we don’t have to worry about where we will be going. We need that security, if nothing else, for our kids.
As my day progresses I begin to get a headache from the weight of everything we’re enduring in this fiasco.
From the end of February until this past week, I heard nothing from our mortgage company. No letters, no phone calls, nothing. After my accidental discovery of their plan to take our home, I have received six letters. The first one was a regular letter demanding over $163,000. The second one was a registered version of the same letter. Letters three through six were two regular and two certified copies of the exact same letter. That’s right. So far, since my discovery I have received SIX copies of the same letter from the mortgage company telling me they want the full amount of the mortgage.
I think they’ve made their position very clear.
As the sun sets each day my headaches subside, mostly due to the different medications I take to keep them at bay, and I seem to relax a bit. I think it has more to do with mental exhaustion more than anything, but at least I am still sleeping good at night.
Then again, why shouldn’t I be? It’s not like I work for a big box mortgage company that plans and plots to steal homes from innocent homeowners across our great nation. I wonder how many other people are losing their homes because the executives at their mortgage company would rather take advantage of government insurance and bailout options than maintain their investment in the American dream?
As far as our situation is concerned, they may knock us down, but our faith in God will keep us strong, and my family will rise above this and find ourselves on the winning end when all is said and done.