Wednesday, March 16, 2011

More fun with BOA, or "no retreat! no surrender?"

Got a letter today from a lawyer saying that I have 30 days to pay approximately 320,000 dollars to BOA and avoid foreclosure. I've forwarded that to my lawyer. In the meantime, I noticed that they had not yet cashed my March payment, when everyone else on my list had processed my payments.

I figured a phone call was in order. I got sent to a woman in the foreclosure division, who was friendly enough. She informed me that the check will be returned to me, because I'm in foreclosure and the bank is looking to set a sell date for my house. She said "we've tried working with you for four months now and you are not taking any action on your end."

I asked her to read my account, and told her my life story. I felt like Arlo Guthrie when he talks about the trial and officer Obie and the 8 by 10 color glossy photos with the circles and the arrows and the paragraph on the back of each one telling what each one was about ....

She informed me that basically the bank is not going to honor the agreement that Countrywide made with me, and that I have three choices.

a) Enter into a new home loan modification program called HAMP before the end of this month or
b) short sell the house and move along or
c) let the bank take it.

I told her that those were HER options, not mine. Choice d is that my lawyer will be pursuing a lawsuit.

In the meantime, I'm feeling like c is the best option. I've had it. I feel defeated and abused at this point. I spent an hour on the phone with this woman. She initially lied to me when I told her to go back and pull my original documentation from 2008. She said she had no access to that. Then she put me on hold and came back with information from those documents. So I said "you basically just lied to me, you said that you don't have access to that info but here you are reading to me from it."

I put something up on Facebook about how I was feeling and my friend Amy in the super desert reminded me to not give up with "no retreat! no surrender!" it gave me a little hope. But sitting here tonight, I'm not feeling it.

Recently, someone sent me an article about why Facebook makes us miserable. We look at each others' status updates about how great the day is going and pictures of the kids or the nice vacation. I don't think Facebook makes me miserable... I look forward to seeing the updates, happy or sad, from my friends. I look forward to the pics of the kids, or the rock shows, or the dogs and cats doing silly crap. I also am in two prayer groups on Facebook, one for a guy I went to high school with who is very very ill, and another of just open ended "I need prayer" kinds of requests.

I feel that Facebook doesn't make me miserable, it gives me hope. I feel loved and supported. I think here, in the blog, I whine a lot more. Because I have a lot more space to do my whinging in. A little status box can't really hold all the shitstorm that is my life as of late.

Today sucked so bad, that it even impacted me going to "awesome." That's how bad it was.

I'm waiting to hear back from our lawyer. And now I'm just crawling back to bed where I like to spend as much time as possible.


  1. Don't get defeated! There has to be some justice in the world. They can't just 'decide' to not honor the agreement with Cwide. As you have learned at 'the awesome' people are NUTS. Just remember that when you talk to these peeps.

  2. thanks jo babes.
    we're team nutso!!!

  3. i think you're getting to the point where we got to when we walked away. you can never get a straight answer and they keep changing the rules to suit themselves.

    good luck in whatever path you take.