Charging Through Life

Finally fate finds a foothold to foil my foundation and I'm freaking out.

Before my bankruptcy, I was trying to hold all of my obligations together and was failing miserably. I wasn't above trying anything to get ahead in my dire situation (notice how not much has changed). I was looking for a new job, looking for a raise, looking for better credit offers, looking for a leprechaun.

Then Congress approved Obama's "Making Home Affordable" program and I jumped at it. The government was going to force banks to re-structure bad loans from fraudulent lenders like mine! Thank you Democrats.

You want to know what I've learned about government mandated programs? They are vague, complicated, and slow to roll out.  I've been trying to get my two mortgages modified for almost a year now. And here's the bad part: during that time I haven't been paying on said mortgage.

I know! I know! Bad homeowner. Bad! But I didn't have enough cash to make the full payment each month and, thanks to the bankruptcy, I got put into a legal loophole sorta scenario where the bank wasn't allowed to call on me to collect and I wasn't obligated to make payments (sorta). Plus I needed the cash! And I figured BofA has plenty of money and plenty of hassles dealing with the government, bad press and people who are in real trouble. (FIY: I'm in real trouble)

Anyway, the loan modification is moving along now, finally; they have all my paperwork, and my application has been moved to the underwriter who should approve my new mortgage in 30-45 days. So all is cool, right?

Well, as with bureaucracies the size of Bank of America, one hand doesn't always know or care what the other hand is doing and because of that my account has been sent to foreclosure.

Oye that's a scary word and a big pill to swallow. Foreclosure. It just sounds mean.

And let me tell you, the paperwork you get that says "Foreclosure" at the top is all sorts of legal jargon that, might be English, but not anything I understand - and I'm smart. I can't imagine trying to interpret this stuff without an education.

Hope, however, is not all lost. I've been in contact with the bank on a daily basis and they assure me that the modification is moving right along, there are no issues with any of it, and the foreclosure thing is sorta standard and it will go away just as soon as the modification is approved. So I trust them? (he asked hesitantly) 
No, not really.

Oh what another fine mess I have gotten myself into! One I certainly never imagined myself being in. I mean, come on, I'm better than this, smarter than this, and far to pretty to half to deal with such things.

So now I must do the only thing I can which is to start managing the situation more closely. I've contacted my lawyer and put him on stand-by. I've been all over BofA making sure the loan modification paperwork is moving forward and setting dates to follow up on their actions. And I'll get into contact with the attorney for BofA who's filing the foreclosure to ask for an extension. Good news there is that they haven't set a sale date and that process usually takes 3 months to set.

Dear Baby Jesus, when will these money troubles of mine end? When will I begin living the fabulous life that I am destine to live? When will you send me a fabulous high-paying job, a winning lotto ticket, a rich husband, or a leprechaun of my very own?

Foreclosure. It's such an ugly word and I'm embarrassed that my life has come to this.
FUCK!
FUCK, FUCK, FUCK!