Another reduction

But at least it's not a reduction in force (RIF). I was caught in that at the Church Office Building in 1982. But … it almost might as well be. We were cut from 20 hours a week to 15 hours a week or 25% cut a year or so ago, to 1 day a week effective today. I MUST be there at 8 a.m. on Monday. The reduction could be as much as 50%. I no longer do the legals. I no longer print out the final copy for the editors to mark off.

I just barely filed the bankruptcy forms yesterday using the last months wages. Arghhh! Well, I will need to amend the wages won't I? We are also trying to refinance our house. That will probably have to wait six weeks for the paychecks to come through & we see just how much the cut will be. One nice thing about it, I will be able to use my accrued vacation & not lose it like I did last year.


Nick is having a very hard time. It couldn't be anything to do with the full moon? Could it? Maybe, maybe not. I tend to think not. Mother is also having a hard time, sigh. And as for me, I've been cocooning more & more.

A young man who grew up in our ward committed suicide last week. I think that is something every mother fears, if their child has a mental illness. Let's face it, depression is a mental illness, too. It has left our ward family reeling, as well as probably the whole town. I feel so sad for him & for his family.

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.

It's still true

The house did not go up for auction today. I took the day off in case I had to run to Pocatello to commit bankruptcy. I couldn't think of the word, Don assures me it is "file" bankruptcy. But committing sounds more like it to me.

Stay of execution

We received a stay of execution today!! It's only for 30 days, but it is for 30 days. That gives us time to regroup.

I have been calling Citi Mortgage every day this week to find out if the sale date of our house has been postponed. Today I waited until 1:55 p.m. to call. I asked how long we were going to have to wait. We were going into a holiday weekend. Were we just supposed to sit back & watch our house be sold?

When she took the time to look it up & told me the sale date had been postponed I could barely wait to get off the phone & scream, "YES!!!" Oh my gosh, what a load has been lifted

I got the certificate today from ACDCA for the counseling I took last night for bankruptcy. I was so worried about Monday, I called & asked for the day off, in case I had to run to Pocatello to file bankruptcy.

I told Mother I had the day off & said they could do just fine without me. She was worried & said, "But you need that job." I told her I hadn't quit, just taken the day off.

I found out "pro se" is Latin meaning "for oneself" or "on one's own behalf." (definition courtesy Wikipedia)

It's a good thing I took Monday off, Nick has a dentist appointment at noon, which I had forgotten about. He has a front tooth with a cavity in it. Medicaid has made it so hard for dentists to follow their protocol, that only 2 dentists in town will even take Medicaid. We will have to pay for this dental appt. out of pocket, sigh.

Sick, in more ways than one

Still don't have the sale date postponed on the foreclosure. It is scheduled for Monday, Jan. 3, at 11 a.m. So, tonight I took the first step in filing for bankruptcy: online counseling. It is a holiday weekend & some federal courts are taking not just Friday off, but also Monday. The Salt Lake Federal Court is taking tomorrow, Thursday, afternoon off. Don has tomorrow & Friday off, so, if we do end up having to run to Pocatello to drop off our bankruptcy petition or whatever it's called, he can drive. If they are open, that is.

We don't have a lawyer, & are filing "pro se," whatever that is. We do have someone coaching us. Thanks to Sandee Matthews, who got us in touch with a lady in her ward, who got us in touch with a company in Salt Lake. We just have to wait & pray for the Lord's intervention.

I have a cold & tonight I felt so bad, my hair hurt. My throat is sore, I have an earache & a toothache. Other than that, I'm just fine.