Now That's Just Crazy!

The Unprecedented President

I will be the first to admit, Obama was not my pick for President. But I also will say that I'm liking him more and more and he's not even in office yet. I don't know how effective his efforts will be, given how things REALLY operate up there in God Country...errr...I mean, Washington, but this is the first time in I can't remember when that anyone even TRIED to effect desperately needed change. Even used language that said they give a shit, without actually saying they do. With words like transparency and phrases like *more for the homeowners* (regarding the bailout).

I spoke with an attorney about my situation with my mortgage company and my house. He said they would be much less likely to take my house if they know I'm disabled and will be on disability because then they can't garnish my wages or checking account for the 40 grand they wouldn't get for my gutted house. I said the government is bailing them out for that, they get that 40 grand from the Feds. He said yeah, they do, but that doesn't stop them from getting it from you, too. Because they don't have to account for the money by account applied to, they just ask for a lump sum that my account is included in. So they take my house I owe 80 grand on, sell it for 40 grand, suck 40 grand more out of me for a house I finally lost after losing everything that was in it and sinking every cent I had into it trying to rebuild it, then get ANOTHER 40 grand from the Feds. Nice. Yeah, I like that word transparency. And I really like the concept that the bailout should not just be for the bloodsucking flesh-eating greedy parasitic rabid vultures that created the whole freakin problem in the FIRST place. But that's our government of the past....just throw money at the big businesses and screw the taxpayers who are losing their homes ANYWAY. So now the mortgage scumbags have the money AND the houses. How about this....how about we let the bastards go under and replace them with a co-op of the people who's homes they're trying to take. What? You say then the people who work for these companies will be out of a job and they might lose THEIR houses? Stop. You're breakin' my heart.

What really makes me sick is that I didn't even NEED a sub prime lender. I PICKED Ameriquest because I thought they were a good company. I had good credit. When my world started crashing down around me last year, my credit rating was 718. Not too shabby for a single woman with a low income. Because I am responsible. Because I pay my bills. Because I don't run up big credit bills with frivolous purchases I can live without. The fall from grace is not far, it took me about 3 months to lose it all and become a no bill paying deadbeat, after years of perfect and near perfect records.

So February 11 is the deadline for me. I'm not having much luck raising money to keep the vultures at bay, so all I can do now is hope our new President puts a moratorium on foreclosures, because if he does, I'll be saved. The house will be saved. My retirement will be saved. I'll be able to work my way out of needing any disability help. If I lose the house, there's no telling if I'll EVER be off the public dole, which is enough to make me want to fall on my sword. But not now. Not yet. I'm not giving up, I'm either too stubborn or too stupid to give up, I haven't figured out which one.    hehehe