I had finally gotten approved through GMAC for a temp. loan modification in Jan 2010. I have been sick and have undergone chemo and had fallen behind on my finances due to medical bills and loss of work. In my paperwork I noted that i would be filing bankrupcy soon also in which I just did feb 23. Today I called my mortgage company to make my payment over the phone and they would not take it. they said that since I filed BR they cannot accept my payment and cannot talk to me and have cancelled my mod. No one told me, I had recieved nothing in the mail. What is wrong with these people? How are we suppose to maintain our financial obligations when those that "PUT US HERE" are just letting it all go to hell? However I am sure their pockets are more than full.
The person I spoke to said that after the BR is done, I can apply for another loan mod. and see if I qualify. If not, I will lose my condo. But frankly at this point if that happens, I will store or sell every bloody thing in it and leave only a shell. It has depreciated 62K and I am so underwater and upside down that I will never be able to make up for this loss.
It's time we stop being victims and start showing our power. We do have it ya know. I know it is sad and infuriating and so very unfair and WRONG!! But if they want my bloody condo and won't work out terms then they can have it. It will never be an asset anyway at this point since I owe so much more than what it's present value is. I am sick of all this BS anyway and all the chaos and uncertainty. Sometimes I feel like just purchasing a little trailor, putting everything I want to keep in storage and sell the rest. WAlk away laughing... Their such greedy idiots anyway...
I really loved that story about the man in Ohio that bulldozed his place to the ground.
What are your thoughts?