Showing posts with label walking away from mortgage. Show all posts
Showing posts with label walking away from mortgage. Show all posts

Thursday, January 7, 2010

Project Walk Away, 2010 : Fall-out predictions


In 2010, the occupants of this house will move. I am in the process of making a list of bottom line requirements for a long-term residence. The ideal place will be quiet, secure and clean. Not such a simple proposition, in this particular town!

In 2010, I will turn 37. This unremarkable milestone may go down as the year I trolled bars looking for sex, not because I like sex, but because I am nearing menopause. I can tell. My body is changing. Okay, I'm not brave enough to have sex with strange men, I'm a nerd of the first sort. So this year will more likely go down as the year I accepted my destiny as a childless woman. This year, I will probably begin to yearn for a yard again, so I can yell at any little kids who manage to steer their bikes off the sidewalk onto my pristine green turf. Ah, what wonders the future holds!

In 2010, Heracles will dump me. He wasn't serious about this relationship anyway, he considers himself much too exquisite to entangle himself in emotional connections with females. Unmarried females try to rob men of their cherished sperm. One must always be on his watch. Heracles is smart, because I would have been guilty of doing just that, except I've always been too scared to have kids without a good man around who I knew wanted them with me. Who wants to go through all that only to have some little bastard blaming YOU for all their problems. No thanks. But if I WEREN'T so scared, Heracles would be right on, I have to admit. Anyway, Heracles is also a paranoid mess and has a grave mistrust of anyone who commits such a felonious act such as ruining their credit. So when Heracles finds out that I have to move because my house is getting foreclosed, he will be forced to distance himself from this sleazy ho.

In 2010, I will learn the true value of independence. I have been independent most of my life, but I never saw the value in it. I have always wanted a good man around. To my disappointment, I never found one. I probably don't know what to look for anyway. So this year, I am going to LEARN how NICE it is to be a WOMAN who does not NEED a man around for anything. I will not have a house with all sorts of maintenance issues that are mysterious and complicated. I will make sure I have a LIFE that I alone can manage by myself!

In 2010, I will simplify my life for the very first time. I will liquidate every tangible item in my possession which I don't USE. I will sell it or donate it or give it all away.

By the end of 2010, I will be able to pay my bills and for once, I will be able to save money.

I will face my forties alone and most importantly, I will face them content.

Wednesday, December 30, 2009

Guilt

Did I really get a loan modification or was it some other crap? Because my payment did not get reduced.

Ok, I know I've been thinking of little else and if I chance over to my own blog, I will write of little else as well. My words are of interest to few others than scammers and spammers, that's true.

This mistake has taught me very much about myself, but unfortunately I have no way of moving on. I can't walk away from the house, but I can't make the payment. I can't get a roommate because for some reason people don't want to pay me to live in a house without a working stove and a leaky bathroom sink and termites and a neglected yard.

I spoke with my mortgage company again today. Everybody says, "Talk to your mortgage company, don't ignore them!" They ignore me! I had to call three times before I actually reached someone instead of the call getting dropped. And I can't see how talking to them can help. They have my information. They know how much money I make, where all my money goes, and given that, I can't afford to make the payment. For my part, I know they don't want my payment to be any lower, they "can't" do anything more than all the great favors they did for me a few months ago, and they just want me to give them the date I can bring everything current.

We can't help each other at all.

Saturday, December 12, 2009

Here it comes

I work all weekend every weekend. I don't have a chance to go to garage sales but that is what I would do if I didn't have to work. So there you have it. Why would a person rather be skulking around garage sales instead of hitting up pottery barn? I don't know! But that's how it is! Perhaps it is all about the mystery and the unexpected rather than the bleeeeeeh yeah that's cool but terribly overpriced.

Anyway it doesn't matter because I don't frequent either of those. I was just sayin' -as tmz would say.

As I was hard at work yesterday, my phone rang. It happened to be from a number that I did not recognize. I figured it was the wrong number.

This morning my phone rang again from the SAME number! I thought it might be some family member or friend who has suddenly moved, so this time I was sure to answer it. But before I even had a chance to say hello, I heard a LOUD, OBNOXIOUS ding dong and then "This is Suntrust Mortgage....." you know the rest. If you don't, just read Grapes of Wrath and that will do you up just fine.

I steadfastly maintained my composure, but this is yet one more sign that the end is beginning.

Poor house. Do you realize that after all these years of being loved by your original owners, some trashy biatch moves in and all of a sudden, you go to shit?

Oh hell. I would like to apologize to the former owner, but seeing as how she is currently surviving in her high-priced assisted living facility on the hundreds of thousands that I have yet to pay, I feel like it will be best to just leave well enough alone. The fucking place was built for less than $15,000 after all. And actually I am glad that she is benefiting from my folly. She lived all through the eighties and nineties and aughts with no dishwasher so she deserves her due. And yes, I am living without a dishwasher too, but come to think of it, the last time I used a dishwasher I was in 11th grade and that was twenty years ago. So I guess that was a really shitty analogy.

Suffice it to say, I am a piece of dung. I can't take care of a home and I am broke and Suntrust has officially fucked me like I deserve to be fucked and soon this house will have broken windows and graffiti all over the place.

sorry.

In other news, I sold two books on amazon! How sweet is that?