To this date, the mortgage company has yet to contact us, nor have they sent their threatened foreclosure papers. To me, this just buys me more time to get a regular job and for the real estate market to pick up. I am hopeful.
Since they have not yet contacted us nor have they been willing to offer us a solution or even speak with us, I decided to start a letter campaign. This week I sent a letter along with a proposal for payment plans/terms to our mortgage company. Included in the letter was a check for our proposed amount for a new mortgage. My plan is to continue to send letters weekly as well as contact anyone I can at the mortgage company via email. Maybe someone will listen! We don't want to become another sad statistic! We want to keep our home and pay what is due...we just need some adjustments made until the economy turns around and our financial situation stabilizes. I'm not giving up!!!
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Way to be proactive! I hope someone takes you guys up on your offer. With so many homes going into foreclosure you would think they would at least get back to you. Stay on it you’re doing the right thing by showing them you want your home and you’re trying hard to work with them.
ReplyDeleteI have a student loan that went into default about 3 years ago, I got a letter last week to work out a plan. Who knows how much interst has accumulated. 3 years ago they wanted the full $12,000 no payments. We obviously could not do it and they said they would put a lean on our house. Sometimes I think they make threats to scare us. Like we need any more stress. The knotts in our stomaches are big enough already!!!
ReplyDeleteI have never known you to be a sit down and just let things happen kind of woman. Good for you for taking charge. I have always admired your determination. You just want to make this situation right. Hang in there.
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