Now, why don't she write?
Well, Spring is here and the money isn't.... I've been cleaning out closets and getting stuff ready for an epic garage sale.
I took down the dog pen - 10) 10x6 panels. 3) 5x6 panels, 2) gate panels (one 5' one 10') Dismantling was the easy part. Using wire cutters to cut where they were attached to underground fencing was the hard part. That and digging the grass and dirt that grew over it out after 13 years. Then I used the truck and a strap to pull the fencing out from underground. Sold it on less than 24 hours too. All hail Facebook.
You see, they just ballooned my fucking mortgage - almost doubling my interest rate for no apparent reason other than Mike got us into an ARM. Another 300 bucks a month I cannot afford. They won't refi me because I owe 159k and the house is now worth 144-ish k. Underwater, glug, glug. They "may" be able to "restructure" me. Its Bank of America. Let me see. I am willing to pay the entire debt for a house not worth it, but you interest me out of the ballpark. I have not made one late payment, have plenty in my escrow, and have totally dug myself tooth and nail out of the debt from my husband's death by cancer. Now? I cannot and will not pay you. It takes you one to three years to get me the fuck out of here on foreclosure. I sit on my money and buy something cheaper or rent something after all that. (Or move to Costa Rica 40k richer) By then the house is worth 100k and you won't be able to sell it anyway.
You just set yourself up for a total fucking loss. Oh, wait! You want to take the loss because you have hedged it as bad debt and insured yourself for double its worth. You want foreclosures. Its a goddamned ponzi scheme. You don't mind fucking over a widow with a young son to do it. We're nothing to you.
So, I am lightening my load and getting rid of most of my possessions so I can move fast and light when the inevitable happens.
And, you know, feed myself and my kid.
Guess what? I'll be FINE, I've got this and eventually it will be you that will be screwed. Thieves and cheats never stay on top for long.
I may be wiped out at the moment, unemployed and pretty much unemployable.... but I will win.
Fuck you, BoA - Really, I mean it.