HUGE Setback, and I mean GINORMOUS! :-(

[ManicMangaManiac]

I have a judicial hearing on my foreclosure case set for the 20th next week (on Inauguration Day, of all things!) and just when my lawyer got the plaintiff's attorney to agree to a 30-day continuance to allow me to file for Chapter 13, I got a huge blow this morning. I just got fired from my job with the local school district and am just beside myself emotionally; I feel like I'm falling headfirst down into this very long, very dark and cold hole that just goes on forever. I thought last year was bad, but 2009 is only two weeks old and it's gone from bad to worse! When is it going to end?? When am I going to see light at the end of the tunnel?

I've had a good cry (I'm not finished yet with that, though; I know I'll probably cry myself to sleep tonight) and my dogs and cats have been absolutely wonderful about comforting me. Right now I'm trying to remind myself that these things happen for a reason, but I just can't see it (the reason) at the moment.

Some of you on this forum know that I have plans to donate one of my kidneys to an Iraq war veteran on the waiting list at Walter Reed Army Medical Center. Those plans have not changed one iota. If the organ transplant team gives me the green light, I'm going to give this soldier his health and future back because he needs me, and frankly, I need this for myself as well; I need an emotional picker-upper. Nothing would give me more joy to help one of our courageous servicemen at a time when things are so bleak!

Please keep me in your prayers, and know that I'm praying for a successful outcome for each and every one of you on this fantastic forum. Keep the faith!!!!
Sally

[Bob The Homeowner]

I am considering selling my Kidney as well as any other extra organs in order to get out of a similar mess in this housing crisis.

Any advice here on how to go about doing that?

[ManicMangaManiac]

Bob,
I hope your remark is just a tongue-in-cheek joke and nothing more than that, because what you're seeking to do, if you're not joking, is IILLEGAL and carries very stiff penalties. I am frankly aghast at your suggestion... why risk not only your health but also your entire future??? You could end up losing not only your home but also your freedom, meaning JAIL. I'm telling you, it's not worth it!

As for my own kidney donation, I'm not looking to get anything out of it personally except the pure joy of having given this veteran his health and life back. The giving of an organ is and should be an unselfish act of the highest order. To treat it otherwise is reprehensible and unsavory, in my opinion, no matter how dire your circumstances might be.

Sally

[emorybetsy]

WOW, Bob that was uncalled for!

Sally,
I don't know what to say... Life can be so unfair at times, but remember things can go in the right direction just as fast. I don't have any solutions or financial advice, I'm new here and looking for answers myself, but I'm sure others will. I will pray for you tonight, and then pray for myself. My boat is slowly sinking as well, and I have two children going under with me. I did hear a story the other day that is kind of keeping my spirits up, that I can share with you. There was an actress (didn't catch the name) who was fired from the Jerry Seinfeld show, she was devastated, she thought her career was over, that nothing better would ever come along. She went on to star on Sex and the City! It just proves that when one door closes another will open.
Donating a kidney? Wow that is a couragous and selfless act, I commend you! Who knows that may be another piece to your puzzling future, you will have to wait and see how it all comes together.

[ManicMangaManiac]

Emorybetsy,

Thank you SO much for your kind words--the Lord knows we all need encouragement and support to get us through yet another harrowing day. I am truly grateful that we all have Moe, *** and others in our corner to help us fight back against these sharks, and what's more, it's heartwarming to know that we're all rooting for each other and praying for successful outcomes.

You and your children are in my prayers, as is everyone else on this forum. Life can be so unfair and we have all been dealt a very bad hand here, but you know what? Adversity is what makes us stronger in the end and I really believe that. I also believe in the adage "What goes around, comes around" and these predatory sharks (the one I'm fighting is Option One/AHMSI, with Wells Fargo as the trustee) will get what is coming to them sooner or later! You all can take that to the bank (no pun intended, LOL).

It's been a mere 48 hours since I was canned at my job, and I'm now seeing that it wasn't the right one for me. I love my coworkers, and loved the school holidays, especially the long Christmas and spring/summer breaks, but at the same time, I didn't like the fact that I didn't get paid for those times off and that money was tight as a result. I also realized that I didn't want to be scraping leftover food out of pans and operating an industrial dish machine for the rest of my life in the school district's food services department. I am grateful, though, that I got the job at a time when I badly needed a lifeline three years ago--but it's time to move on.

I do know that my true passion lies in writing and 2D/3D computer graphics. I inherited my artistic abilities from my mother, as did both of my younger brothers (one is a freelance photographer and the other is an architect specializing in collegiate and major league sports complexes) and last spring, I completed my very first ever film, a documentary short exposing Option One's predatory lending practices. I also have my own copyrighted cartoon character who I've been drawing since 1981 and started incorporating into a manga series (manga is the Japanese genre of cartoons and comic books).

Sooo, who knows, I may end up making my living doing what I love most of all. I'm anxious to see where life takes me next--just as long as I can keep this roof over my head--which I need to do, not just for my own and my pets' sake, but for this Iraq war veteran as well. To that end, I'm firmly resolved to stay as calm and stress-free as I possibly can, and eat well and get plenty of sleep, hug each and every one of my furbabies every day--and most of all, COUNT MY BLESSINGS! Not to mention praying a lot.....

Please, every one of you, including you, Emorybetsy, do the same for yourselves and your families: take deep breaths when the monster is breathing down your neck and calm yourselves, count your blessings, hug each other every day and pray together--and take it one day at a time. That last sentence is one that I said to my mother constantly, who suffered terribly from emotional problems and bipolar disorder.

Last but not least: keep in mind Obama's mantra, "YES WE CAN!"
I know that "YES, WE LOANSAFE MEMBERS CAN!"

God bless each and everyone of you on this forum!
Sally

[ldelrosa]

Hi MMM,
I just read your post and so sorry to hear about your situation. I do not know what else to say since we are in the same situation. I can feel your pain as my house will be foreclosed next month with huge tax bill for 2009. I know though that money, house, jobs are important but what is more precious is your health so stay strong. I'll pray for you too.

[ManicMangaManiac]

Idelrosa,
Thank you soooo much for your words of support--you are an angel!!! I am SO sorry for your situation and am keeping you in my thoughts and prayers along with everyone else on this forum. I am also praying that our newly inaugurated President Obama takes quick and decisive action to help all of us homeowners stay in our homes; Lord knows we need REAL help and not governmental lip service ASAP!

I got a reprieve yesterday--Hallelujah! My lawyer had a conference call with the judge and the plaintiff's attorney and he was able to get me a continuance to March 30th for the trial. Not a whole lot of time, but it gives me a little bit of breathing room. The bad thing is that I can't even file Ch. 13 since I have no job. I'm also sobered by the reality that at my age (50) it's going to be very difficult for me to find a job with so many other people out of work and competing for those same jobs, especially 24- and 25-year-old college graduates. I guess I'm going to have to come up with some really creative ingenuity to turn my situation around.

In the meantime, I fully intend to return to Walter Reed Army Medical Center in Washington, DC for the kidney donation surgery, if I get the go-ahead.

Keep your chins up, every one of you.. this horrible situation has got to end SOON!
Sally