Holding Pattnern

[saitaina]

Originally published at Memoirs of a Nobody. You can comment here or there.

So the most recent news here is…nothing.

We found the paperwork to prove we were NOT in default of the loan (in fact, our mortgage company sent us two letters on the same day, one saying our forbearance was concluded (meaning everything was good) and one saying they were expediting the foreclosure of the house and that they may ‘enter the domicile to conduct an inspection’.

My uncle, who…well, let’s call him a very mini-Donal Trump, he makes his money in real estate and the fact he’s a big name in the architectural world of the tech industry (meaning he designs and builds the buildings that houses Intel’s operations…I think, I just know he makes a hell of a lot of money, works in the tech industry, and has to do with their buildings), anyway, he’s handling the arguing with the morgage company. He got them to not forclose on the house (yay!), but they’re still working out the payments we owe, as we DO owe the forbance back, they just can’t decide by how much money.

So far our options are, A. $588 a month, which is what we agreed to, B. $700+ a month, which would take only twelve months, and get rid of the extra in the forbance.

Now, I understand what he’s saying when he says he wants us to pay the 700 a month for twelve months, as it would clear up the problem, and we wouldn’t be paying extra with fees and intrest…except one problem.

My uncle, who has never lived paycheck to paycheck, let alone hand to mouth, is asking us to use every single dime we have (and some we don’t), for twelve months. Meaning not only do we have to pay them, but we have to pay gas, electric, water/sewage, phone, insurance (house and car), cable (more on this later), food, household…and not have a dime left over. So if our animals got sick, we got sick, our car blew up, the house blew up, we blew up, God rained fire…we would have nothing in preperation for that (which is what my extra monthly money usually goes for).

Umm…no?

I like having a $200 safety net every month in case something goes wrong, like plumbing (which we had to fix ourselves this month because we didn’t have that safety net), or our animals do something funky and break their legs, or mum and I need medicine. I don’t like the idea of ‘yay, less house payments, boo, we now have to suffer because mom can’t afford her breathing medication’.

So yeah, I’m obviously voting the $500 option, uncle’s voting 700 and mums’ just very, very confused.

So we wait until Thursday, when mum talks to Uncle again, and then Friday, when uncle talks to Countrywide again.

But so far, no foreclosure, and no sudden vanishing act for six months from the computer (yes, that’s how long it was going to be).

*Note: Some people have bitched we have phone and cable services while being OMG poor! And yes, I see their point, if we shut them off we’d have money, but seriously, I’m not staring at a wall all day…and it’s not their vote anyway.