I sit hear at my picnic table at night sometimes till three in the morning feeling helpless. I don’t have a job; don’t have a wife, what a life. I just try to wrap my mind around the horror that awaits me. There going to take my home.
Its my mothers actually it’s under her name she is 78 and has alztihmeers. In 2005 she was fine and got a mortgage. I had two jobs and she had SSI and an annuity that ended in 2007. In 2008 I had two jobs and was loosing one so I made the mistake of going with a loan modification company. They made me all kinds of promises. They told me not to pay the mortgage company any more. Then in 2009 February the bank called me. So the modification company told me not to talk to them they will but they never did.
Then in March I got a letter of intent to foreclose. The modification company said don’t worry they will deal with it. Then in September we got the judgment notice. I called and spoke to many lawyers and they all advised me to let them do a mediation with them this is like a modification but the state gets involved. They all said if this doesn’t work then she can go bankrupted. They all said that I probably have to the end of the summer of 2010.
Meanwhile I went temporally blind. I had bad cataracts in both my eyes. I got them taken care of and can see now but I lost my job. I do have three borders and have enough money to make the payments but a state lawyer said that they won’t accept a modification because my mother has to be there and she is too confused. I don’t know if I can get power of attorney or not.
I feel so helpless I am looking for a job at night when she sleeps so maybe I can get a FHA loan in about six months but I don’t know that even if I got a job tomorrow I would have enough time. Although when I go to the sheriffs sale site were not there. I looked up until December of 2010 but after August it seems kind of light so they could put us in September.
my name is chris