Ever have something go really, really wrong?
I am in the middle of one right now. We received a "Summons to Civil Court for Foreclosure" last night from one of our local Sherriff's Deputies. A very nice man named Dave.
We have been in contact with our mortgage company repeatedly. I have spent much time on the phone with them trying to work this out. Nope. They want what they want and they want it all now.
So, this is being chalked up to one of those things that 'Did not go the way I intended for it to go'.
We know we will not be able to come up the funds they are asking us to put up and so we will lose the house. Not sure if this is a blessing in disguise, since this house has been nothing but a money pit. And for them it's always the question "How did you end up behind on your payments?" and I have to go back over a year ago when Tony was laid off for more than four months and what that did to our finances. Then, tell them how we never really recovered from that and had to go through a bankruptcy. And then in the middle of all that we got behind on our house payment. Plus, I didn't go to work full-time until July....(unbeknownst to us) way past where we were ever going to be able to catch up on our behind payments to the satisfaction of our mortgage company. They just finally started sending our payments back and refused to accept them so they could foreclose on us.
Do I blame them? No. They are doing what they were designed to do. They are not some big, evil entity.
Do I agree with their lack of willingness to work with me when I am MORE than willing to rectify this with extra payments? No. I can't say that I do.
We will move on and rebuild our lives. But, I do have to wish them luck in finding a buyer for this house in our little town and it's struggling economy. Good luck, indeed. There have been many a home on the market for years here.