It is very hard anyway it goes. I was very destroyed last night. But in talking to a friend and praying I feel much better. And posting here of course! I want and will pay everything back. Just not under the original conditions I signed for.
Aug 6th is coming soon, I need to make a decision well before that.
I keep on researching and I will get an appointment with a lawyer. If my friend doens't get back to me today iwth the name of one, I'll find another via yahoo yellow pages.
I bought a foreclosure book at nolo, it was very educational. Money well spent. (I took the money from my neccesities money) ;-)
In a nutshell it is about being very responsive to all comunications both from the lender and from the courts. I have done what they say to do. Contact a hud agency, get financial counseling, build a budget, cut corners, communicate with your lender, which I do weekly.
They might not like it much, but they receive a weekly phone call... I even recognize two voices that I know are bad karma and I hang up to call again and get another soul.
I am blessed my son is a baby, ok, a toddler, so he doesn't understand what is going on, he is not ashamed and I don't have to explain things to him. To him, Mommy is home...and to me, he is home.
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