| T O P I C R E V I E W |
| vintagediva1 |
Posted - Jan 28 2012 : 2:00:12 PM
well, it's official. The bank turned down all offers on my condo. 2 of them were good cash offfers and have decided to foreclose. I have already moved but still have stuff there. I havve about 19 days to get it all out.
Bye bye credit rating.
Michele
www.2vintagedivas.etsy.com
www.sissyandsisterstitch.etsy.com
www.dreamingofspringtime.etsy.com
Love that good ole vintage junk |
| 25 L A T E S T R E P L I E S (Newest First) |
| Farmer Judy |
Posted - Feb 15 2012 : 9:42:24 PM
Michelle, God will take care of things. I seems like a real contrite saying but it really happens. Two years ago we lost our house and I had been in that house 38 years and I know there was stuff left behind. We moved about 10-15 miles west of where we were and when everything settled down things are much better. We have had the chance to rent a house closer to where we were but we have decided that this house and this timeframe was meant to be, so will be be sticking it out a while longer. The kids are doing better in school, we switched to a closer church and it seems to have been good for us, my daughter switched to the next county's junior college and is almost finished with her degree. Our landlord even told us I can make a garden whatever size I want in the back yard. We had no idea it would work out like this. Keep having hope that this is just a new beginning in a new chapter of your life.
God bless,
Judy
Farmgirl #3666
Born a city girl but a farm girl at heart!
http://farmtimes.blogspot.com/ |
| pnickols |
Posted - Feb 15 2012 : 4:21:55 PM
something similar happened to us, they changed the locks on our house before we could finish moving. The realtor gave me one afternoon to get what I wanted, needless to say I had to leave things behind including my Hammond organ. just a rotten experience all around. maybe one day I can replace the organ |
| vintagediva1 |
Posted - Feb 15 2012 : 4:11:26 PM
The foolishness continues....
The realtor who is handling the foreclosure sale called me yesterrday to tell me locks have been changed. I told her that I still have belongings to remove so she met me there this morning to unlock the house. This afer I was told that I had until Feb 25 to remove things.
She unlocked the house and asked me how long I would be there. I told her I was going to work until my ca was ull. She asked if she shouldc wait. I replied "how valuable is your time? You changed the locks before you were suppossed to, so, it's up to you. You can stand around and watch me move stuff or you can trust me to lock up when I leave". She left. Called me later today to tell me that they are going to start throwing out whatever is still here tomorrow.
There was a notice taped to the front door that I am supposed to appear in court on Feb 22, to plea if I don't want to be evicted. However, I have already moved so I explained that this should be relayed to the bank as it is a wast of money and of the court's time when they know I have already moved. Apparently nothing can be done about that and if I don't appear in cout they will evict me. Hello, I'm already gone.
I feel like I;m in a very bad production of "One Few Over the Cuckoo's Nest" or "Catch 22"
Guess there is just no resoning with idiots. Arghhhhh.
If I don't have a nervous breakdown before this is finished, it will only be because all my Farmgirl friends allowed me to vent and offered me their support.
Thanks, Ladies.
Michele
f
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www.2vintagedivas.etsy.com
www.sissyandsisterstitch.etsy.com
www.dreamingofspringtime.etsy.com
Love that good ole vintage junk |
| FarmDream |
Posted - Feb 12 2012 : 8:12:15 PM
Michelle, I'm sorry to hear this. You're right, don't do any more work for something you aren't getting to keep. I watched a show last year that really made me mad. Did you know those banks, etc. carry insurance against your mortgage? Meaning if you get foreclosed on they actually make more money than if you were able to pay the mortgage? They are betting against you. It could be the answer to why they wouldn't work with you. Good luck with the new beginning in your life. Shake off the dust and hold your head high.
~FarmDream is Farmgirl Sister #3069
Live Today, Cherish Yesterday, Dream Tomorrow
http://naturaljulie.etsy.com
http://julie-rants.blogspot.com |
| pnickols |
Posted - Feb 12 2012 : 06:40:24 AM
Michelle, I'm sorry, have been down that road myself, we lost our house in 2005 hang in there it gets better |
| prayin granny |
Posted - Feb 12 2012 : 05:16:41 AM
Michelle, prayers for you!
Been in similar myself and had to make a move. Left a sunny state for a 4 season and colder one! It's been hard and I still have days of struggle / regret? But all in all there are SO many ways the Lord is blessing me!
So very true also that we can make any space our farmgirl space! I am downsized to apt and a lovely balcony. Love to grow herbs on it each spring!
Enjoy your new home and seek new joys there! May God bless and guide your new beginnings !
Farmgirl hugs,
Linda
www.scatteredlittleblessings.blogspot.com
Country at Heart |
| FieldsofThyme |
Posted - Feb 10 2012 : 10:24:52 AM
Michele, I'm so sorry you are going through this. Please update us when you have more time.
Farmgirl #800
http://pioneerwomanatheart.blogspot.com/
http://scrapreusedandrecycledartprojects.blogspot.com/
From my hands: http://pioneerpatchworkhomespun.blogspot.com/
From my Camera: http://www.flickr.com/photos/pioneerwomanatheart/
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| vintagediva1 |
Posted - Feb 10 2012 : 08:38:36 AM
The realtor who has been given my foreclosed home to sell called me today and told me that the bank will offer me a certain amount of money for the keys. I have to go in and clean everything out and not take anythinglike light fixtures, doors, etc. Since I have already taken the light fixtures that I bought and installed and let a friend have a couple of doors, i think I will turn down their "generous" offer nad just leave the mess for them to clean up. aHave several boxes of stuff I was going to drag to Salvation army but now, I just don't know. It would have to be a sizeable amt of money to make me go there and do all that work.
I'm thinking that is is better for my mental health to just close the door on this chapter and be done rather than dragging it on anymore.
Any advice?
Michele
www.2vintagedivas.etsy.com
www.sissyandsisterstitch.etsy.com
www.dreamingofspringtime.etsy.com
Love that good ole vintage junk |
| traildancer |
Posted - Feb 07 2012 : 09:41:26 AM
Michelle--I will add my sympathy to what has already been given. I am so glad that you had a place to go in your time of need. As the others have mentioned, God has a plan. He will provide. Sometimes the trusting is almost impossible, but when you look back you will see the provision. Hang in there.
The trail is the thing.... Louis L'Amour |
| smiley |
Posted - Jan 29 2012 : 6:05:52 PM
Michele I was encouraged to hear you are offering to teach knitting,sewing etc to the teenage girls. As a 4-H leader I can tell you that is so important. So many want to know just have no one to teach them. Good for you. |
| ruthie218 |
Posted - Jan 29 2012 : 4:57:44 PM
So sorry to hear about your bad luck. Your in my thughts and praers.
Ruthie Ann
http://simpleindianagirl.blogspot.com/ |
| JessieMae |
Posted - Jan 29 2012 : 4:34:00 PM
Michele, I'm so sorry this happened. If I can do anything for you, you let me know. I'm only an hour away.
Jessie Mae
Farmgirl Sisterhood #134 |
| GinghamGirl |
Posted - Jan 29 2012 : 4:05:06 PM
I'm so sorry to hear that Michele. I will keep you in my prayers. |
| hoosiercountry |
Posted - Jan 29 2012 : 2:29:44 PM
I'm so sorry to hear about the foreclosure Michele. There was a story on the news a few months back about a woman living in Bradenton FL, (I think thats right), anyway she has been in foreclosure for 23 years. It seems she always finds an error in the banks filing and gets it postponed or something like that. She still lives at the house and pays no taxes or morage. Makes you wonder. |
| KayB |
Posted - Jan 29 2012 : 1:13:36 PM
I am so sorry to hear about this. DH and I have been through it due to nondisclosure of something on a house I had bought. The foundation was damaged so badly it was going to cost me more to fix it than I paid for the house. We finally got enough out of the hole to use my VA to buy another house that we are so in love with. My DD & SIL had to file this past year. They got transferred to Germany and tried to sell their house in a little town called Hope, Kansas. It was 4 bedroom and 3 baths on 2 acres. Hubby and I loved it! They had many offers but nobody would loan because it is a manufactured home. They even called in to their own mortgage company and acted like new buyers and were told "we never loan on those types of homes" which just infuriated them because they only lived there 2 years.
I was upset when we had no choice but I do believe the Lord works in mysterious ways. I just felt badly about breaking a contract but we couldn't even live in the house. The foundation was so badly damaged that the inspector was going to have the house condemned and my lawyer said that was all we could do. Sounds like you are in a good place now and don't have to deal with that bank any more.It does tick me off when they won't work with you, though.
You are in my thoughts my prayers.
KayB
Life's a dance you learn as you go
Farmgirl Sister #2351 |
| melody |
Posted - Jan 29 2012 : 12:59:41 PM
So sorry to hear this Michele...It seems to be a sign of the times, but like the girls are saying it really is NOT the end of the world. I have had several people very dear to me that have gone through foreclosure and bankruptcy and when I would ask them about it they seemed to agree that it was a mixed blessing at least the stress of knowing what was about to happen and then have it "finalized" brought a sense of relief that it was finally over with. You are strong and intelligent and have a great sense of humor. We are here for you and we know that you are going to be JUST FINE!
Melody
Farmgirl #525 |
| vintagediva1 |
Posted - Jan 29 2012 : 12:25:04 PM
Thanks Lorena,
I am a cash and carry type gal and have been for a while. The whole mess started when my brotther in law managed to cheat me out of about 60% of my income. Long story, not worth dwelling on, and I have learned to live on a LOT less. But, you know, the Lord always provides and every day is a learning experience.
Michele
www.2vintagedivas.etsy.com
www.sissyandsisterstitch.etsy.com
www.dreamingofspringtime.etsy.com
Love that good ole vintage junk |
| queenmushroom |
Posted - Jan 29 2012 : 10:43:54 AM
I feel so sorry for you. I sort of know what it is like to be displaced from a home. With me, the well in the apt. where I was renting got contaminated with propyline glycol (non toxic antifreeze). Because the apt. owners were trying to sell the building anyway, they weren't about to put in a new well. So all of us tenants were evicticed. I was able to move in with my boyfriend (now my hubby), so things did work out. Things will work out for you too. Regarding foreclosure, I quit my job before hubby and I got married and couldn't maintain the car payment with out an income. I also had credit card debt. I filed for bankruptcy 3 days after we were married (no honeymoon for us). I lost my car and got rid of the credit card debt. That was almost 7 years ago. You know what? The world did not come to an end. Yeah I drove beaters for a few years after that and have even had to drive my hubbys full size 1980's model dodge pu back and forth to work at times. Yes, at first, it feels humiliating. I was humiliated for a long time after the bankruptcy. But what I learned was more precious to me than anything that anyone could give me. I learned to watch my pennies. I learned that a credit card, if not used properly, means you're spending your money twice; the credit card on the thing you wanted that you didn't really need and your hard earned pay on the things that do matter. In a nutshell, if I don't have the cash in hand for the splurge, then how will I pay for it in the end? Don't take me wrong. I'm not trying to lecture. I'm just sharing my experience and hope that others can learn from it too. There is alot of truth in the saying, when one door closes, another will open. It takes wisdom and sometimes a look back into the past to see where that open door was. God Bless. Things will work out for you.
Lorie
Patience is worth a bushel of brains...from a chinese fortune cookie |
| GirlwithHook |
Posted - Jan 29 2012 : 10:36:02 AM
I'm so sorry to hear this, but it sounds like you have found a new purpose already. Prayers sent forth!
A hook, a book, and a good cup of coffee.... |
| sherrye |
Posted - Jan 29 2012 : 08:05:03 AM
so sorry you are going through this. i bet you will be just fine with your good attitude. it could happen here for us. we scrape by each month. sending hugs to you sherrye
the learn as we go silk purse farm
farm girl #1014
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| vintagediva1 |
Posted - Jan 29 2012 : 07:44:02 AM
Thanks, gals, for all your encouragement. I was having a little pity party for a while. the bad news arrived on Tuesday and it was the anniversary of my sweet husband's death,, so , not a good day for me anyhow. I'm trying to bounce back and your kind words have helped
Yes, I moved a couple of months ago to a manufactured home in a nice little community, and have met lots of my neighbors. They all seem nice and there are all different ages from young couples to older retirees.
I have always had a heart for teenage girls and there are lots of them here. I truly believe the Lord put me here for a reason and I think my purpose is to reach out to these girls and try to teach them home skills like baking, cooking, knitting, sewing, etc. When I go for walks, several of the girls have commented on my scarves or mittens and I have told them I would be happy to teach them to knit. Hopefully something will come of this and I can eventually talk to them about the Lord.
So. the big update is..... I love my little house and am working to make it farmgirly, sorking on my etsy shops to try to bring in some extra money, and am starting to get caught up on my bills .
When one door closes (or slams shut on my Butt in this case) another does truly open.
Michele
www.2vintagedivas.etsy.com
www.sissyandsisterstitch.etsy.com
www.dreamingofspringtime.etsy.com
Love that good ole vintage junk |
| smiley |
Posted - Jan 29 2012 : 07:21:57 AM
Michelle I too am praying for you. You said you have already moved so at least you had a place to go. A family here had the car impounded, a babu amd another on the way and when he got fired the housing that was part of the pay check went also. They are young and she cant get hired in her condition plus the other baby needs her. They were in a panic and called her mom who will at least give them a roof over their head for now. So many are hurting and they are people who are trying to work and make it.Its sad. |
| Simply Satisfied |
Posted - Jan 29 2012 : 07:10:19 AM
So sorry to hear. I feel so bad for so many that foreclosure becomes necessary. I hope you find a good start from here and in time even look back and be glad how it all turns out. Good luck.
Emily
Farmgirl # 3591 |
| rough start farmgirl |
Posted - Jan 29 2012 : 12:51:19 AM
Michele,
I am so sorry for your troubles. It may seem like the end of the world, but I know you know it isn't. That said, it is still such a difficult time for you and you will be in my thoughts and prayers.
Marianne |
| Bear5 |
Posted - Jan 28 2012 : 7:28:40 PM
Michele: I agree with what all the girls have said. I am so sorry you are going through this. Remember, you are not the only one, and you will not be the last one to go through something this difficult. My prayers are with you.
Marly
"It's only when we truly know and understand that we have a limited time on earth- and that we have no way of knowing when our time is up- that we will begin to live each day to the fullest, as if it was the only one we had." Elisabeth Kurler-Ross |
