I’ve been bad here lately. I’ve been taking out my aggression over all of this over on the Virgin-Islands-On-Line Board where several of my geeky island buddies have been nice to me. Since very few of you bastards read or comment here any more, I’ll take whatever friends I can get.
Below are my posts, there are a whole slew of others out there. The full thread is here
Posted: Tue Oct 21, 2008 7:53 am Post subject: How does this happen?
I mean…how does one get to the point where one just stops paying one’s mortgage?
If you’re unfortunate enough to read my “other” ramblings, you are now braced against your chair in a mixture of horror and delight. You want to know if I can do this without cursing, don’t you?
Last Wednesday, 2 people, 2 beagles and one fish moved into our home. They’re “friends” of ours. Why “”? This is my brother’s childhood best friend and his wife. They happen to have moved to NC a year ago.
Now, they’re homeless. Why? BECAUSE THEY STOPPED PAYING THEIR MORTGAGE! No ARMs here…they simply stopped paying because they had no money. Why would you buy a house when you know you have no money? Why would you not rent an apartment for 2/3 the cost?
Yea…I’m pissed off. As I told the Mrs. the other night:
I started working full time 5 days after I graduated form college. I’ve had crappy jobs. I’ve had truly crappy jobs. I’ve driven bad cars. I’ve worked my tail off because that’s what you do when you’re an adult. We scraped and saved to get a house. We fixed it up. We hit rock bottom a few times along the way. I’ll admit that my parents have helped bail us out on 2 occasions. Bad decisions put us in big time $$ holes. But, we’ve either paid them back or are paying them back. I spend half my life in a hotel away from my family because it’s what you have to do sometimes.
And, I have these 2 clowns living here now. They’re eating us out of house and home and drinking my booze. Want to know pain? Pain is watching a 28 year old pour huge rum drinks. Oh no…he’s not using the cheap rum you save for mixed drinks. He’s using your Arundel. The Arundel you bought in CGB when you turned 30. The birthday present you bought yourself that year because…what the hell? How often do you spend any money on yourself (even if it was $12).
I know I’m not making a point and am ranting, but I am really tired. I want my house back.
Ask them to leave? Where the hell are they going to go? Their house was already auctioned off. It’s not theirs. They think a lawyer can fix that for them. In 4 days, the house’s contents are to be liquidated. Then what? You can’t just throw people on the street. I’m a bastard, but not that much of one. Charge them rent? They have no $$.
In 5 days, I have to board a plane for a week in PA. Can I put my wife and daughter through this on their own?
Right now, all I want is a glass of wine (haven’t had a drink since Sunday because I can’t bring anything into the house, lest it get guzzled and I can’t afford $25 of wine to get consumed each night), a quiet dinner, some time with my wife and daughter and to make those reservations for the long weekend on the NC coast we’ve put on hold.
Don’t tell me I’m doing a good thing. That stopped a few days ago.
Right now, I’m just pissed off at the world and at the irresponsibility of people.
Posted: Tue Oct 21, 2008 8:22 am
His parents will take him back if he leaves the Protestant whore he married (their words), repents, and annuls the whole thing.
She refused to tell her mother about this. Then, my mother called her mother. Now, it’s out there.
She just started a new job. He’s due in court tomorrow.
It’s hard. We evicted the dogs yesterday because I could not handle it. I work at home and can’t be listening to barking dogs all day (not to mention cleaning up their pee off my carpet (ask them to do it? They think it’s funny)).
How do you send 2 people out onto the street? I am probably the biggest bastard you all have never met. But, even the Grinch had a heart. I can not go force them to be homeless. Until this happens in your house, it’s hard to say what you would and would not do.
Today, they allegedly find out from the lawyers what’s happening. As I mentioned they think they can get the house back because Wake County or the bank screwed up the process (riiiight) and can sue to get their house. If that doesn’t work, we have to move their crap to a storage shed. I don’t have room here for anything else.
My hope is that by tonight, they know if they can get the house back. Then, we can set a move out date. Then, we can discuss payment to us for food. I’ll put a roof over any of your heads if you come to my home. It’s open to anyone. That attitude comes from knowing that we have and a lot of people don’t. I won’t say we’re blessed or lucky. I work for what I have. But, I know that others don’t. I’ve also been on the receiving end of kindness (Ruth buying me a birthday beer…for example) and know how great it feels. My island spirit has taken over and my home is open.
(See how I tied that back to the forum??? See??)
I just don’t want to be taken advantage of.
Maybe I need to start yelling, but I am already under a crushing load of stress from work and don’t need any more.
Posted: Tue Oct 21, 2008 9:43 am
Lots of questions:
He does not work. (Wait for this one). He has a felony conviction on his record for credit card fraud. Tomorrow is court. His community service may not be done. That’s the excuse for not working.
Her parents: Dad is a deadbeat in Vegas. Mom has said she can’t/won’t help.
My brother: He’s written his friend off because he’s a deadbeat.
Kids: They have none.
Booze: The house has gone dry.
I don’t know. The happy guy in the hula skirt is gone. I don’t have the energy for any of this. I’m just so cooked right now.
Not a plea for sympathy…just a fact.
I want my life back
Posted: Tue Oct 21, 2008 12:22 pm
I showed the Mrs. the thread and then went to the gym to go beat on an exercise bike.
I just got home.
“Did you read it?”
“Tell them all to go walk a mile in our shoes”
And it’s not that either of us are “mad” at you guys. Because, I’d say the same thing to any of you. In fact, I’d be using far better language.
She has said: “If we need to leave to go to a hotel, let us know.”
Stop yelling “Then tell them to go” all of you. It’s not that easy. Remember: I’m a raging a-hole. In fact, the “she” in this barely likes me. That said, even I can’t just throw 2 people out onto the street. If any of you have told a person who has come to you in tears begging for shelter, for their very lives, to scram, then you’re stronger people than we are.
Again…not “mad” at anyone here. I don’t even know any more. We’re ripping apart at the seams. (Somehow, turning to you goons and writing it all our makes me feel a little less bad.)
Back on topic:
Let’s run the numbers: The local Extended Suites (and Hepatatitis) America hotel will run them $70 per night after taxes and crap. 2 weeks = $1000. They haven’t eaten or done laundry.
Where are they coming to eat?
Laundry (That my loving wife did for them last week)?
So, what does this get me? Peace between 11 – 6. Great. Then, in 2 weeks, the money is gone. Then what?
They’re not getting the GD house back. It belongs to Freddie Mac! One would need to buy it in order to live in it. One would need a mortgage in order to buy it. One would need money and credit to get one.
Thanks for listening everyone. I don’t know what I want more. The hug or the kick in the balls that brings me back to reality.
Posted: Tue Oct 21, 2008 1:48 pm
OK jerkies. You’re firing me up. The Mrs. and I have spoken and, come hell or high water, we need to talk to them tonight…have, as I called it, “The Adult Talk”.
What’s funny about this is that I don’t think they realize what they’re doing. Maybe that’s how people like this act. Maybe they just think I’m crankier than usual.
Part of the problem with our inability to talk this out is that I’m just wasted from work. I don’t have the energy to handle this. But, as I always tell myself and anyone who will listen, if you don’t do it, who will?
Which brings us back to the root of this problem…if you don’t take responsibility for your actions, won’t someone always be there to bail you out?
Oh…it doesn’t work that way?
Posted: Wed Oct 22, 2008 7:37 am
Well…I’m going to stand here and pull down my pants and point my ass towards the computer. Feel free to line up and kick it (assuming you all don’t go blind)
Last night was a big steaming pile of nothing.
Work imploded on me at about 5:30 and I was still here hammering away and juggling calls at 6:30 when the caravan arrived. M&K came home and the Mrs. and the Monster got home from swimming.
I knew dinner was coming, as well as K’s voice. I also still had work to do. And I knew that if I went upstairs someone was going to die.
(For anyone else who works at home, you may know the feeling. When work is extremely stressful, it’s all but impossible to go from “work mode” to “Dad/husband mode” simply by walking up the stairs. Some days, I actually miss my commute. At least it gave me somewhere to unwind and yell)
I went upstairs at 7:00 to announce that I was not hungry and that they could all eat without me. Then, I took a seat on the sofa and watched Scrubs. I needed to unwind. At 7:30, I went up to bathe the child (Hadn’t seen her all day and took the opportunity of shower time to teach her the story of Medusa…don’t ask)
By 8:00 when she was tucked in and the Mrs. was in the shower, M&K had gone to their room. I think they were hiding from Hurricane Rob. You could see it in my eyes that I was out for blood.
However, K did mention to the Mrs. that they are “trying to get out of our hair” really soon.
So, here’s the latest:
M is in court this morning, apparently settling up his case and having his record expunged. We’re not sure he finished his community service (nor do we care).
Their lawyer is filing an injunction today to stop Saturday’s lawn sale from happening. This is based on the theory that the whole process happened out of procedure (notification-wise)
They meet with said lawyer this afternoon to continue to discuss their case.
I really hope to have a better day today so I can sit them down and figure this out. I leave for PA on Sunday. That’s the “soft date” for them to leave. The “hard date” is Oct 31 because we’re heading out of town the following day for a weekend at the beach.
Better day? I have conf calls starting at 9:00. I’m triple-booked at 10, double-booked at 1:00, have a 2-3 and a 3-4.
Banner friggin day.
And, on another note, they don’t have keys nor are they allowed in the house without us.
Kick away! I deserve it.
Posted: Wed Oct 22, 2008 12:06 pm
Lawyer: as far as I understand, it’s on contingency. Contingency of what? Beats me.
Mortgage: They gave anyone a mortgage in 2007. They applied and keyed M’s SSN incorrectly. When they fixed it, they saw that his credit number is a negative number. They told her that they could take him off the application and find her a mortgage. Anyone wanna know why your 401k sucks so bad?
They’re still hoping to get the whole thing somehow reversed? How does one un-sell a house?
That’s what I want to know.
In any event, M needs to hang for 2 more days. We need to build up some cabinet support for the kitchen.
Posted: Thu Oct 23, 2008 9:03 am
They had a successful injunction filed yesterday to not have the house sent to the street on Saturday.
They’re meeting the lawyer tonight to discuss the future. Apparently, work to date is setting them back $1000 – $3000. Apparently, they have money for this (but not to pay the mortgage???)
If there’s a case that the process was mis-handled, the lawyer will take the case on contingency should they sue the city/county/state/bank etc.
Last night, K asked me if I could fax something. I said I could…all I needed was a file and fax number (work e-fax account). I asked what it was…she was faxing our Congressman, Brad Miller and Senator, Elizabeth Dole to wail about all of this. I said I would not permit that from my work-supplied fax number. Fax your crazy from somewhere else.
As for departure: The date is Oct 31. Before then, they need to be out because we’re headed to the coast for the weekend. I’m out of town next week and am not thrilled about having them still around, but it’s the best we can do.
Until then, M is supposed to be upstairs right now constructing the “cabinet” frame we need to build in the kitchen. Since I don’t hear a saw, I’m going to have to go upstairs in a few to kick him into action. I’m using him for carpentry. Once this is done though, I’m out of tasks I need done in the house. The granite comes next week for the kitchen. When this is done, I’ll have used him for a new deck and a kitchen full of cabinets.
More to come…
Posted: Thu Oct 23, 2008 7:28 pm
The house needs to be emptied (The house that was once theirs) by maybe tomorrow, maybe Saturday, possibly Monday. They just came to this realization today and spent a while earlier scrambling to find movers.
“Movers suck! They’re expensive”
They think they can be back in the house by Wednesday and more or less “reset” to Day 1 of the 90-day foreclosure cycle. Beats me…they’re not here.
Then, we discussed moving. They can only afford 4 hours worth of movers. My point was: Move what you can. What are the real chances that whoever is “in charge” here will actually throw your stuff to the curb? There’s a cease and desist stating that the stuff can’t be sold. Why would anyone throw it out? They don’t care enough to spite you. I was arguing; take what you absolutely 150% can not live without.
“I want it all. It’s my stuff and I want it all” (This is her)
Oh really, Varuka? Can I get you a golden goose with that?
Stuff…she wants her stuff. This woman is a child. As I keep screaming in my head: If you’d paid your effing mortgage, none of this would have happened”
“know what I’m going to do next”
“Then I can keep my house and they don’t get paid. I’ll show them (Wells Fargo)”
“I hate to sound this way, but do you think they care one (expletive) about you and that you will in any way hurt them?”
“But I’ll have my house”
And circle gets the square.
If they’re not out on Wednesday or so, they’re out on Friday night (Halloween). We need to leave the house to go to Emerald Isle where I intend to eat my weight in freshly caught seafood, drink rum (they sell Tortuga AND Cockspur down there!!!) and have lots of sex with my wife.
I did ask if they are able to expense living expenses should they need a hotel. She plans to sue someone for that.
I asked for my cut. I asked what the going rate is for a room, food, drink, free internet service and political advice from a 6-year old (other thread but I can’t help but call attention to myself) etc.
You think I’m kidding.
Earlier, I almost was feeling their pain. This is rough.
Then I heard the “I want my stuff” speech and remembered why I have never liked her and can understand why he got himself hooked on Percocet. (That’s really inappropriate, isn’t it?) But, I swear to Dog…if you had to listen to this crap…
I leave for PA on Sunday night. I’ll be selfish and gleefully say: 3 more nights!
Posted: Fri Oct 24, 2008 7:15 am
They will empty the house over the next 48 hours (Although…M is in the shower right now). On Wednesday or so, they will re-load the necessities. This is an insurance policy against their next pending eviction.
Of course, making this all the more wonderful is the fact that they can’t get into the house without a realtor present. They can’t be “trusted” not to set the house on fire or smash it up. They have to hope the realtor assigned to them is free more or less all day for the next 3 days.
Posted: Mon Oct 27, 2008 7:11 am
Anybody still care about this saga?
They cleaned out the house this past weekend and have it all in a storage unit. It’s looking like they have no plans to go back to it. Ever.
They’re finding apartments nearer to where K works.
And, please don’t ask questions about how they will get an apartment with no credit because I just don’t know. They think that they can more or less give the deed to the bank before the foreclosure happens again and get off less bad that if they had actually foreclosed.
So what was the past 12 months? A time to play house?
I’m boggled by it. I’m, also in PA this week so my dear wife is trapped in the house with them and our very own disease factory.
But…they leave soon.