Dearest Professor Shays,
Golly I am a stubborn woman. Talk to much too
On the business side of this scenario I KNOW your right that down the road especially if I do this by following your suggestions it will be best in the long run. We are in our late forties so we thought we would be here the rest of lives. The emotional side of me says wait one darn minute I have worked six days a week at times to keep us going for our years here. To become ********? I don't think so. At least not without a fight. On my off time if I am not with the kids and or our Granddaughter my husband and I have worked and invested to fix this place up. I wish they would have never told me to get approved for a short refi. Had that happened oh yes there would have been a huge reduction in the principle with all my worries regarding my home could have been over. The lies I was told would have been a lesson learned, but I got to keep my home. They would gotten a lot more then instead of forcing us to quit now?? That is a part of this I can't seem to wrap my head around. My question is if they really don't want to have a negative on their books will they come back to the table before the foreclosure goes through with a better offer? By law do they have to? Having a payment at 2k a month is a little more than rent, but with taxes included along with the write off it would be a wash. Although we are way upside down if we could find a way to keep us here affordably should I try that first? Then if I choose to walk away because of the huge debt it won't be because I didn't do all I could to honor my word? Would a local real estate attorney be the best one to try to make that happen? A woman named Cyrene contacted me. Do you know her? Can going through a third party get past the loss mitigation department people that seems to do nothing more than run you in circles? Given the numbers I shared with you am I being unreasonable for wanting to stand my ground on the payment amount that yes includes the full amount of the loan? Is that even feasible? I am done faxing my financial's to HLS. They lose them half the time anyway. Either I make too much or not enough. I never missed a payment for more than 2k, but it got tight at times. Told you I was stubborn. Is it okay to have this take or leave it attitude? Who do I give that my bottom line attitude to? I am sorry for posting so many questions. This is the first time through all this I have found REAL answers without being judged for coming to this point in our lives. I HOPE you all know how much that means. You bet I will be reading as many posts I can find will be educate me. Thank you so very much again, Catherine