They always say bad things come in threes but it seems we really had a set of double threes. It started the first week of December. He have been on the government “HAMP” program to help us make it through the two years of unemployment. The acronym stands for “Home Affordable Modification Program”. They say if it sounds to good to be true, it’s not. If you are out there and might be considering it, DON’T. Let me explain so others of you out there that might be considering it. They do lower your mortgage payment for up to a year but what they don’t tell is what happens. I will use round numbers just to keep it simple. Say you mortgage is $800 a month and they lower it to $500. You make your payments on time for the full year. Then you will get a notice at the end of that year that you no longer qualify for the forbearance plan and that $300 a month reduction has now turned into $7000 past due including a year of late fees(even though you were never late). Along with that notice you will receive a breach letter. Just to back up to two months before this happens they will send you packet to fill out. You send in every intimate detail on how you are going to be able to make your mortgage payments the wait. I our case they have asked three times for more documents which delays the process. It is now 01/14/12 and they finally sent it to the under writers (we hope). We listened to Suze Orman on the View and she gave the same warning. She said that in 90% of the cases the bank says “screw you” (my words not hers). Wish I had heard that before we signed up for the program.
Next event that happened was our 2 1/2 year Nubian Buck Dezi stopped eating and I started monitoring him closely. He did starting eating two days later but i noticed he looked bloated. We gave him penicillin, B12 and some corn oil hoping to get him through this. He has always been a finicky eater even when I was bottle feeding him. It had to be a grey nipple which are hard to find. As he grew we had to be very careful we changes in his diet because he always reacted to the slightest change. On Dec 30th he began to falter and we gave him more penicillin. It was after midnight and I went to check on him and found him lying on the ground moaning. I went into his pen and sat down next to him and took him in my arms and held him. He stopped moaning and looked up at me and I knew he was saying good bye. I went to bed and found him dead when I checked on him after I got up.
When Boo got up she turned on our big screen TV and it didn’t turn on. The lamp had went out. If you buy the lamp from Conn’s it will cost you $429. I found one online for $65.
One of my client’s was over 120 days past due and another was 60 days past due and I have been trying to get them to pay. One client, a software company did send $500 but that was only a third of what he owed. The other client a shirt company still hasn’t paid.
This week the owner of the software company had a heart attack and is still in the hospital. To make the citation worse he was moving his company to a new location and the new place wasn’t ready on time and they had to move out of their current location on 12/31/11. Now I am their only contact with his customers.
We are so hoping for things to start looking up around here. This week I went and applied for a job that only pays $10 and hour. Still waiting to here from the other companies that I have interviewed with.