Hi Moe,
I loved reading your blog, I hope that for the future and sanity of the families that deal with Countrywide, you will keep staying positive for them. I guess I am just telling you my story in hopes that if someone does get a modification agreement, they don’t end up like my family will in about 72 days from now. Like you said, be careful, read everything, ESPECIALLY if an investor is involved.
We fell 1 payment behind after a job loss back in 2004, and to make a long story short, by the time they got back to me, well, it grew to 2. I almost wish now that I would have robbed a bank to get that 2300. Because 3 yrs later and several modification plans, that THEY changed after each time they were paid on, my home was foreclosed on and I have 72 days left in my redemption period.
I tried to stop the foreclosure, and they refused, and I have actively been searching for help from a lender to do a hard money loan or something, but since the market took such a hit, no luck.
I have 3 kids, one is a baby, not that they care about that, nor do they care that in 72 days, I have no where to go. I just don’t want this to happen to anyone else. I hope you will stay positive and help all those other families out there, because this is only going to get much worse.
Thanks for listening,
Mom in Michigan
My Reply:
Hello Mom in Michigan!
I care and that’s why I do my blog and forum. I get emails like this and it just makes me stronger and fuels my fire to do it more and more. To get the word out for the American people. This is a travesty of the American system and something needs to be done NOW!
Why are they refusing? Have you tried calling a non-profit?
I’ll help in way I can and you also please stay positive!
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Who’s to blame?
http://money.cnn.com/galleries/2007/fortune/0709/gallery.subprime_blame.fortune/index.html
Actually, “Even consumers with mortgages that have melted down don’t deserve a federal cash-based bailout.” was me paraphrasing.
The National Taxpayer Union didn’t echo those words.
A distinct difference.
But thanks for reading.
Deadline Newsroom
DeadlineNews.Com
Thanks for clarifying that and stopping by. But it is exactly how they feel and it look like you also.
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The really disturbing trend is to blame the home owner. Since when is the borrower in control? Most americans are declined a credit acrd for $1000.00 limit. Allof a sudden it so easy for the same person to borrow $500,000.00. What out of the goodness of there heart. You want us to believe this was a wide spread favor to over 3 million family’s. This was a well thought out and planned scam, and everybody got Rich, Banks-Brokers-Escrow companies and scam artists, it’s pay day baby. CEO of Banks lost Billions, there instituions recieved Gov and foriegn bails and were paid large bonuses. For what failing, no that’s just it, they didn’t fail. They orchestrated a scam that everybody got rich off of. Can’t you see, every program that comes out, won’t help the Homeowner at all, it’s to reward the banks and institution for screwing us. The said part is that no one talks about the arm loans that were pushed on people that didn’t need one. People with good credit and great jobs, the people that were shown one document and recorded another by brokers. No let’s not talk about all the Fraud. All in involved should be prosecuted, all assest ceased from the profits from screwing home owners and all licenses that apply pulled immediatly. Seriously, when you consider the ability to pay as an institution, common since would tll you that if a person has demonstarted the ability to pay a loan at $1200.00, did you see a potential for them to pay $4000.00 a month when you jump for 4.6 to 10.6 interest? No they didin’t, they new that in advance. My guess is that the calculation or risk would be that the first home owner would up grade the home, pools, grass, concrete, maple shutters, bbq pits. Then the bank would move in take it and sale it to another family, the market comes back and make even more money, not to mention all the money being made of the interest of the original arm loan. Cash cow. Anyone blaming the home owner is an f’en idiot.