...Thursday September 30th 2010 will be our last day in our home of 20 years.
The bank could have worked with us;
The VA could have worked with us;
The court could have given us more time but in the end everyone passed the buck
and the system failed us.
Wednesday, September 22, 2010
Wednesday, February 10, 2010
After the Auction
It's been a long time since my last post and I suppose I should have been more diligent about writing things here as it is supposed to be a blog. Well I've been busy with what little bit of a life I actually do have left and I neglected it more than I should have. For those of you following the sister site to this blog at Save My House, you'll know that we have finally lost the battle. On December 15th 2009 at 11 AM they auctioned off the house for $96,000 and change. It went back to the bank and then to the Veterans Administration because we had a VA loan. Boy was that a big mistake but that's a whole other story. Any way, the VA pays the bank all but $4,000 of the outrageous amount of fees and charges they associate with the foreclosure process and the VA now 'owns' the house. Here in Massachusetts there is a whole eviction process that has to take place after the foreclosure so we are still in the house...for the time being. Please do go to the link off this blog if you're being foreclosed and are seeking some information or help. E Mail me even if you don't live in MA as I can more than likely give you some info on what happens in your state. It has been my experience that very few agencies you call actually give you much information that is either accurate or useful.
Keep trying and try to keep your spirits up. I know it's tough but you can't let this get you down. Unfortunately we are not alone in this housing fiasco.
Cherie
Keep trying and try to keep your spirits up. I know it's tough but you can't let this get you down. Unfortunately we are not alone in this housing fiasco.
Cherie
Wednesday, January 28, 2009
I'm still NOT Joe the Plumber...
…I’m Cheryl the unemployed graphic designer. To date, no one has offered me any kind of a job, not even one as a correspondent. I don’t have to worry about what the tax rates are because I haven’t paid any taxes for years. I’m not worried about Wall Street or the stock market, personal savings, investments or retirement accounts because I no longer have any of those things. I’m not interested in restoring the banking industries ability to provide credit so people can finance cars, vacations or houses.
I gave up my car in 2004, haven’t been anywhere on vacation since 1962 and my home is in foreclosure and can be auctioned off with 30 days notice. Even though the bank, Citi-Mortgage, is allowing us to make partial payments, it’s a temporary solution that they could discontinue at any time. I’ve been out of work since 2003. I went back to college, polished my resume, studied potential employers, personalized cover letters and targeted my resume submissions. I’ve applied for over 700 jobs since the company I worked for went bankrupt and I’m still unemployed and the job outlook is getting worse by the hour.
Because I lost my job, we used up all our savings, we’re behind on all our bills and our credit rating is pitiful. Because I can’t find a job, we’re could lose our home and we can’t even afford the rent on a studio apartment. People keep telling me I’m doing all the right things, just keep trying hang on and keep a positive attitude. If I’m doing everything right, why is my life going so terribly wrong?
All the tax cuts and stimulus packages in the world aren’t going to help people who don’t have a job, whose credit rating is non-existent, who are on the verge of losing it all. Keeping people in their homes is vital to the recovery of the country. A place of residence is essential not only because it provides shelter and a sense of security but because you need an address for just about everything associated with day to day living. Have you ever tried to get a job without a home address? How about health care? File your tax returns? Get an unemployment check? I suppose it’s possible but the red tape could probably stretch from Boston to L.A. and back more than a few times.
The new administration and the banking industry need to come up with a plan to modify mortgages and existing home refinancing to include people who don’t have perfect credit. Who may have to make partial payments for the several years it may take for the employment situation to improve. Having a huge quantity of bank owned properties will only serve to prolong the recover process. They not only decrease the value of surrounding properties, they increase costs to the remaining residents through the higher cost of utilities, food and services. Please help us to Save Our Homes.
I gave up my car in 2004, haven’t been anywhere on vacation since 1962 and my home is in foreclosure and can be auctioned off with 30 days notice. Even though the bank, Citi-Mortgage, is allowing us to make partial payments, it’s a temporary solution that they could discontinue at any time. I’ve been out of work since 2003. I went back to college, polished my resume, studied potential employers, personalized cover letters and targeted my resume submissions. I’ve applied for over 700 jobs since the company I worked for went bankrupt and I’m still unemployed and the job outlook is getting worse by the hour.
Because I lost my job, we used up all our savings, we’re behind on all our bills and our credit rating is pitiful. Because I can’t find a job, we’re could lose our home and we can’t even afford the rent on a studio apartment. People keep telling me I’m doing all the right things, just keep trying hang on and keep a positive attitude. If I’m doing everything right, why is my life going so terribly wrong?
All the tax cuts and stimulus packages in the world aren’t going to help people who don’t have a job, whose credit rating is non-existent, who are on the verge of losing it all. Keeping people in their homes is vital to the recovery of the country. A place of residence is essential not only because it provides shelter and a sense of security but because you need an address for just about everything associated with day to day living. Have you ever tried to get a job without a home address? How about health care? File your tax returns? Get an unemployment check? I suppose it’s possible but the red tape could probably stretch from Boston to L.A. and back more than a few times.
The new administration and the banking industry need to come up with a plan to modify mortgages and existing home refinancing to include people who don’t have perfect credit. Who may have to make partial payments for the several years it may take for the employment situation to improve. Having a huge quantity of bank owned properties will only serve to prolong the recover process. They not only decrease the value of surrounding properties, they increase costs to the remaining residents through the higher cost of utilities, food and services. Please help us to Save Our Homes.
Wednesday, January 7, 2009
Save My House
The "Save My House" web site was originally created on June 26, 2007 in an effort to right a wrong. The site is now primarily focused on trying to keep the roof over our heads while I search for a job. Please click here if you want to help us out by making a Donation. This blog was created so I could post my thoughts, frustrations and information and also, so that people could post their remarks to us.
Ultimately, even more than catching up the payments we're behind or paying off
our mortgage, I want to find a job, I need a chance, and I would really like to be able to
pay my bills again. Here is a link to my resume if you, or some one you know is looking for a talented, experienced employee.
Another goal of the site is to help other people to find information that might help them in their own efforts to try to keep their home.
On Christmas Eve, Worcester Magazine wrote an article about us which appeared in their City Desk section. Titled "Brother, can you spare a dollar?" You can read the whole story from links on the documentation page on the web site.
Please DO...
... link to this blog and the web site.
Tell people about it and us.
Talk about it at work, school, at a party...
Get in touch with me if you're going through a foreclosure yourself.
Recommend this as a story to your local news papers and TV stations.
We can sure use the publicity to help spread the word not only about us, but about other people like us who are facing difficult times.
Ultimately, even more than catching up the payments we're behind or paying off
our mortgage, I want to find a job, I need a chance, and I would really like to be able to
pay my bills again. Here is a link to my resume if you, or some one you know is looking for a talented, experienced employee.
Another goal of the site is to help other people to find information that might help them in their own efforts to try to keep their home.
On Christmas Eve, Worcester Magazine wrote an article about us which appeared in their City Desk section. Titled "Brother, can you spare a dollar?" You can read the whole story from links on the documentation page on the web site.
Please DO...
... link to this blog and the web site.
Tell people about it and us.
Talk about it at work, school, at a party...
Get in touch with me if you're going through a foreclosure yourself.
Recommend this as a story to your local news papers and TV stations.
We can sure use the publicity to help spread the word not only about us, but about other people like us who are facing difficult times.
Monday, November 24, 2008
Funds for Foreclosures
This isn’t a joke. It isn’t a scam. It’s a request, an appeal if you want, for help.
The current economic crisis is not going to go away overnight. No one knows if we’ve hit bottom or when we will begin to see better financial times. Most of us already facing the loss of our homes are going to be joined by many more people who will be in the same situation very soon. Due to the huge number of foreclosures and the lack of any realistic help from either the banks or the government, we homeowners need to help ourselves.
Yes, I am asking for help for myself but I also want to help other people too. I know I can't help everyone who's going to lose their house but if I can help three other people save their house...well I think you can see where I’m going. If I help three people and they in turn help out three people we can change a lot of lives for the better.
What I’m proposing something very simple but very powerful. Give a dollar. That’s right 1 dollar, 4 quarters, 10 dimes, 20 nickels, 100 pennies, however you want to do it. get your friends to also give a dollar, your coworkers, church group, school, anybody. I’m going to be posting people in need of help on a web site titled Save My House located at http://www.house.phantazm.com/ along with information on how to donate to help them. If you want to get started right away get in touch with a local church or a group that deals with homelessness. I’ll have some of those listed on the website soon too. There are millions of people in America. At one dollar each, think of what we could accomplish.
Ultimately, my goal is to raise enough money, to not only make mortgage payments but to pay off some of the mortgages of homeowners who can no longer afford to make payments do to loss of income, medical issues or some other financial distress. Jobs are going to be very difficult to find until the economy starts to recover and people shouldn’t have to worry about the roof over their head along with how their going to survive a monetary disaster.
Don’t say “I can’t help” Skip the coffee or doughnut on the way to work one morning a week, collect 20 soda cans if your state has a deposit on them, pick the change out of the couch, pick up all the pennies you see on the sidewalk. Give a dollar just once if you like. Give a dollar a week if it makes you feel good to be helping people out. If you can, and want to, give more than a dollar, you’re amazing and thank you so much. Please pass this along; spearhead a local effort for people in your area. Just remember, it won’t help anyone, if no one knows about it.
Thank you
The current economic crisis is not going to go away overnight. No one knows if we’ve hit bottom or when we will begin to see better financial times. Most of us already facing the loss of our homes are going to be joined by many more people who will be in the same situation very soon. Due to the huge number of foreclosures and the lack of any realistic help from either the banks or the government, we homeowners need to help ourselves.
Yes, I am asking for help for myself but I also want to help other people too. I know I can't help everyone who's going to lose their house but if I can help three other people save their house...well I think you can see where I’m going. If I help three people and they in turn help out three people we can change a lot of lives for the better.
What I’m proposing something very simple but very powerful. Give a dollar. That’s right 1 dollar, 4 quarters, 10 dimes, 20 nickels, 100 pennies, however you want to do it. get your friends to also give a dollar, your coworkers, church group, school, anybody. I’m going to be posting people in need of help on a web site titled Save My House located at http://www.house.phantazm.com/ along with information on how to donate to help them. If you want to get started right away get in touch with a local church or a group that deals with homelessness. I’ll have some of those listed on the website soon too. There are millions of people in America. At one dollar each, think of what we could accomplish.
Ultimately, my goal is to raise enough money, to not only make mortgage payments but to pay off some of the mortgages of homeowners who can no longer afford to make payments do to loss of income, medical issues or some other financial distress. Jobs are going to be very difficult to find until the economy starts to recover and people shouldn’t have to worry about the roof over their head along with how their going to survive a monetary disaster.
Don’t say “I can’t help” Skip the coffee or doughnut on the way to work one morning a week, collect 20 soda cans if your state has a deposit on them, pick the change out of the couch, pick up all the pennies you see on the sidewalk. Give a dollar just once if you like. Give a dollar a week if it makes you feel good to be helping people out. If you can, and want to, give more than a dollar, you’re amazing and thank you so much. Please pass this along; spearhead a local effort for people in your area. Just remember, it won’t help anyone, if no one knows about it.
Thank you
Thursday, November 20, 2008
Bail Out Oversights
This applies to Wall Street, the Banking Industry, The Big 3 Car companies and a lot of others out there.
When I was growing up I remember hearing about mergers and take-overs that were stopped by laws here in the US against monopoly organizations. Today as an adult there seem to be very few individually owned companies; most are subsidiaries of huge corporations based in far off locations. My dad and his fellow workers were treated as respected assets who were essential to the success of the company where they worked. Those companies were for the most part owned and operated by people who lived in the same communities where their businesses operated. They knew their employees and the people in the towns where they did business. Today’s worker is treated with disrespect, even contempt because their needs and needs of the municipalities where they operate cut into the corporate/shareholders profits.
What happened to those laws which were supposed to keep companies from getting so large that they would cause financial collapse on not only a national scale but a global one?
What happened to corporate responsibility? Today companies do what ever it takes to make the most profits with the least expense up to and including cutting all the corners they can get away with. Outsourcing has been a tremendous boon, especially to manufacturing companies that have moved to countries where oversights are lax or even nonexistent.
Before ANY company in ANY industry gets ANY kind of assistance from the government, which, by the way, represents the American People, they should be required to sign agreements limiting the salaries of CEO’s and dividends paid to investors. These CEO’s made the bad decisions which brought their companies to the brink of disaster. These investors backed those CEO decisions and therefore should also suffer the consequences of investing in questionable practices. Why, if the government agrees to fund an attempted recovery, should there not be some oversight and penalties for the people who created this mess?
OK I can hear people now saying that this is America and we can’t regulate companies like that…True, if these companies want to take responsibility for and pay the price of their bad policies they are free to do what they want, on their own. However, if they want government help to keep their companies from failing, they should be required to agree to take drastic cuts in profits and put that money back into their own companies. Further, if they want help from the American people they should be required to use American workers on American soil for any product or service sold or provided to the American people. If they don’t like that let them find private funding for their bailouts.
When I was growing up I remember hearing about mergers and take-overs that were stopped by laws here in the US against monopoly organizations. Today as an adult there seem to be very few individually owned companies; most are subsidiaries of huge corporations based in far off locations. My dad and his fellow workers were treated as respected assets who were essential to the success of the company where they worked. Those companies were for the most part owned and operated by people who lived in the same communities where their businesses operated. They knew their employees and the people in the towns where they did business. Today’s worker is treated with disrespect, even contempt because their needs and needs of the municipalities where they operate cut into the corporate/shareholders profits.
What happened to those laws which were supposed to keep companies from getting so large that they would cause financial collapse on not only a national scale but a global one?
What happened to corporate responsibility? Today companies do what ever it takes to make the most profits with the least expense up to and including cutting all the corners they can get away with. Outsourcing has been a tremendous boon, especially to manufacturing companies that have moved to countries where oversights are lax or even nonexistent.
Before ANY company in ANY industry gets ANY kind of assistance from the government, which, by the way, represents the American People, they should be required to sign agreements limiting the salaries of CEO’s and dividends paid to investors. These CEO’s made the bad decisions which brought their companies to the brink of disaster. These investors backed those CEO decisions and therefore should also suffer the consequences of investing in questionable practices. Why, if the government agrees to fund an attempted recovery, should there not be some oversight and penalties for the people who created this mess?
OK I can hear people now saying that this is America and we can’t regulate companies like that…True, if these companies want to take responsibility for and pay the price of their bad policies they are free to do what they want, on their own. However, if they want government help to keep their companies from failing, they should be required to agree to take drastic cuts in profits and put that money back into their own companies. Further, if they want help from the American people they should be required to use American workers on American soil for any product or service sold or provided to the American people. If they don’t like that let them find private funding for their bailouts.
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