Chapter 13 Bankruptcy

The addition, fall 2010

I know I made an entry on filing bankruptcy on Wednesday, May 11. I saw I had a comment on it last night & clicked on the comment to see what it said & it said Blogger was unavailable. So, today, I went to gmail to put an appt on the calendar & there was the comment in gmail. I clicked on the link to come over here & the entry is GONE!!

That has never happened to me before. I need to make a hard copy like Sheila has done. I put very few pictures in my blog though.

The foreclosure sale was today at 11 a.m. We've been calling Citi Mortgage Company & three different people told us there was nothing we could do. I KNEW they could do something, but they were just as adamant there was nothing that could be done except pay almost $7,000 as a down payment to stop the sale. Don took the day off on Wednesday & we drove to Pocatello & filed chapter 13 bankruptcy "pro se." Which is Latin for "by self."

Yesterday I had a man from Citi call. I had just sent a fax informing them we had filed bankruptcy, so I asked him if he had received the fax. No, he was calling to help stop the sale today. I told him we weren't getting anywhere with the people we had been talking to at Citi Mortgage, we'd been working on this since August 2010. I told him I did not have $7,000 to stop the sale & this was the only way we knew how to do it.

He said the "down payment" wasn't the only way to stop the sale. I said I knew that, but I couldn't get anyone to help. I told him it is an old house, it was built in 1904, we are building on & that was what the mortgage was for. He said we wanted a modification. Was our mortgage payment too high? I laughed & said no we had got behind. We wanted to refinance & put the arrears onto the mortgage. Now we are almost $7,000 behind.

The comment made on my now missing blog entry was from Sheila. She said: I am so sorry to hear about your troubles, I sure hope things work out so you are able to keep your home. Hugs and prayers.

I hope things work out too. I don't know if bankruptcy was the way to go, but it is supposed to buy us time to work on saving the house. And cutting our debts in half will be nice too.