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feeling beat down
June 30, 2009
4:49 pm
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It No Longer Matters
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Saturday I received foreclosure notification on my house. Not surprised. Yesterday I called the law firm handling it and asked if NOW they could work with my on a loan modification or some sort of relief. They can't because they represent the mortgage company.

Today I got yet another called from Nissan North America I owe them a thousand dollars. The cell phone company called. I owe them a hundred dollars.

Last week I overdrew my bank account.

I had a closing yesterday and have been promising everyone that I would pay them as soon as I had this closing.

The title company made the check out wrong. I didn't get it until today. They are going to have to re-cut it. My boss wants a 3 day turn around on writing me my check. I was counting on having decent money in my bank account so I spent what cash I had on food. I had to take Cat to the doctor today for swimmers ear.

I am just tired of the struggle. I hate to even breath it in the air but I just don't know what else can go wrong. As I was writing this Cat was trying ot make the dvd player work on the tv and she got behind it and messed with it. Now the tv is all fuzzy. I don't know how to fix it and now she is in her room crying.

I know I have done bad things in the past but when will I be due some good karma. I am trying to tell myself this too shall pass but I just don't have another ounce of put on a happy face left in me.

Bitsy

June 30, 2009
6:22 pm
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chelonia mydas
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((((Bitsy))))

Sorry things are so heavy and hard right now. At least you closed on the house.

This doesnt' mean you don't have good karma, it just means life is tough right now. One day you will look back on this time and see the strength, resourcefulness and perserverance present in your character that got you through this. But for today it sucks and for that I'm sorry.

Sending you hugs and thoughts for some positive things to come your way.

June 30, 2009
6:39 pm
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fantas
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(((Bitsy))), Hang in there and know that this too shall pass and sooner than you think. We are here for you love!!!!

June 30, 2009
7:17 pm
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Terriberry
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I'm feeling down too Bisty. So I can relate. I too seem to be struggling. With no end in sight. I know it is hard, I know it can get discourging.

But, hang on to your faith, and know that you will get through this.

Sending you prayers of encourgement.
and some hugs.

June 30, 2009
9:30 pm
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As if to add insult to injury. I found a site that was for the adult children of alcoholics. I created a name and pass word and started posting my story there. NO ONE responded. Many years ago I had tried to attent ACOA meetings but they didn't want me because I was too young.

I KNOW that I have issues. The fact that my mother was an alcoholic is bubbling up inside of me. The fact that her illegitimate son molested me is bubbling up. I really am not liking men at this point in my life. One friend, I just realized that her husband is an alcoholic and is gaslighting her. Nothing I can do about that but listen. Another friends husband still insists that they do things with my ex who hurt me. Not much I can do abouot that. Another friends husband is being a total jerk. Refusing to watch their son and giving her time limits on when she can be away from the house. Jack-ass. The only friend I have whose husband isn't completely flawed is mad at him because of one of their daughters who is touch sensitive and he insists on hugging and kissing her.

My ex husband is even being a jerk. I don't know a single man that I like right now. Must be a design defect with them.

I think I will take myself to bed and read. Carry on as you will...

Bitsy

July 1, 2009
11:26 am
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Made an appointment to talk to an attorney about my situation.

Bitsy

July 1, 2009
10:02 pm
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chelonia mydas
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Hi Bitsy,

I posted on your other thread, but just thought I would pop in here and give you a hug.

July 1, 2009
11:42 pm
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fantas
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(((Bitsy))), Yay!!!!!!!!! You did well with the lawyer. Keep at it 🙂

July 2, 2009
4:37 pm
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innerturmoil
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((Bitsy))
Sorry for your struggles,, i wish could do more to help,,,
sometimes i wish we could exchange phone numbers ....or at least emails with people..
i know i know,,, Anom!
love ya girl....

July 3, 2009
7:19 am
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So yesterday the financial planner and the attorney told me not to open the estate and get the house put in my name. They both told me I was under no legal obligation and to walk away from the house and let it foreclose. It can't hurt my father, he is dead. I just don't know what to do. Sentimentally I am attached to this house. When I look at how much it cost each month to live here, I just don't know what to do...

Bitsy

July 3, 2009
11:56 am
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red blonde
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((((Bitsy))))

Could you explain to me what the attorney and financial planner mean by 'Not to open the estate' ?

Red!

July 3, 2009
12:12 pm
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The only thing left in the estate of my late father is three houses. 2 are already in foreclosure. The one I am living in is about to be put in foreclosure. My name is on none of the properties. There is no reason left to open the estate. Just let the bank have the properties.

Bitsy

July 3, 2009
8:47 pm
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I called a builder today who has had a house listed for sale for 2 years. I proposed that I rent his house at a reduced rate and have it listed while I am living in it. If I sell it out from under myself, I sell it out from under myself. I would receive at least a 2.5 % commission possibly higher. It is 1873 sf and is very nice. The two extra bedrooms are small but everythign else is really nice. We talked for a while and I am meeting him on Monday. He ended up thanking me and telling me my call was the best news he had had all day. I am thinking that if it works out this easy the "universe" must be on my side in this decision.

Bitsy

July 4, 2009
3:16 pm
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2BHAPPY
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wow Bitsy..you are really struggling right now with those properties. Thats exactly my fear about the future with my own properties. I have 2 rentals. One was empty for a few months and I had no problem paying the mortgage cause it wasnt so much..finally got it rented in April...so now ok with that one then my renter on my higher mortgage gave me notice last month so he is living his last month there and I have hurry up and rent it out..but the mortgage is so high that I may have to list it lower.

Can you get a property management company to get it rented for you. You will pay them a fee initially..but it will come from the renter himself with the initial deposits. I havent followed your thread to know what position you are in..but if you can hold off until properties go up in value again...thats what i am doing and hoping that I can do this. It is a major stress in my life..but I thought this was a way to secure my future retirement...but now realize it could be an early grave if I dont get this rented out.

Good luck and I'll follow your post as this is perhaps why I am worried about my relationship. Here I am struggling and I am dating an almost millionnaire who is cheap...and has made good financial decisions.

 

 

2bHappy

July 4, 2009
3:42 pm
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The house I am currently living in was built in the 1930's and is 975sf the payment is 1300 a month. Insurance on it is killing me. The house I am looking at moving into would be 950 a month, new and 1800 sf. What would you do? I am a real estate broker. I would list the house I would be moving into for sale. I don't know anyone who would be willing to live in the older house at 1300.

Could you work something out with your currently rented house and let the guy stay and pay half rent until you find a new renter? Something coming in is better than having to carry the whole payment with no income.

Bitsy

July 4, 2009
4:01 pm
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yes..Bitsy you sound like a mortgage broker.

Yes, you have a point..and since it is in your father's estate I guess you wont be damaging your credit and you can start all over in a nice new home. Makes sense.

My renter gave notice last month..He has been living there for 4 years and he mainly rented it because he wanted his daughter to go to this charter high school near the house..She graduated this year so he has no interest in living in the house..he said its because he cant afford it..but I dont think thats the truth..He was a good tenant as far as paying on time..but there were times he would try and pay less on the rent and say he fixed something...just never trusted him to tell the truth..but he paid the rent.

Anyway..he is supposed to move out this weekend and I am really ready for him to move out so I can fix the house and show it to people..It doesnt show as well when you have people there. It will be an added expense to fix it..and he has even done some painting that is not to my taste..the exterior is painted terrible and he never asked me if he could paint. Just worried now and hope he moves quickly..he didnt pay last month cause he was giving notice..but now dont want him to stay not even an extra day.

If I didnt own that house and its two large mortgages..my life would be much simpler..but I can walk away and ruin my credit and if I sell now..I would lose a lot of money.

I could have sold it in 2005 and made $300,000 extra in my pocket after I paid the mortgages..and I didnt..I could kick myself..things will never be that good.

 

 

2bHappy

July 4, 2009
5:31 pm
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Could you talk to you bank about accepting a short sale? That is where they would accept less than what is owed and wipe out your debt. It would cause a bump on your credit but nothing you couldn't recover from. Also before doing that speak with an attorney or an accountant as there are some tax issues that need to be handled carefully.

Bitsy

July 5, 2009
12:59 am
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Thanks Bitsy.

I can probably rent the property at the same amount of the mortgage..just the hassle of finding new tenants. I called the present tenant today and he said he is turning over the key on Monday that the house is all moved out.

So I guess I can now think of getting a new tenant there now. If I dont rent it at the amount of the mortgage, property taxes and insurance I can probably take a lose of a few hundreds.

I've owned that house for 20 years and dont want to lose it.

 

 

2bHappy

July 5, 2009
8:17 am
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Oh, well then you are in an excellent position. A lot of people jumped in when the market was booming and are in financial straight now.

Bitsy

July 5, 2009
8:17 am
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Oh, well then you are in an excellent position. A lot of people jumped in when the market was booming and are in financial straight now.

Bitsy

July 5, 2009
3:42 pm
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I think having a plan of action is making me feel better...

Bitsy

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