Sigh. I work where I have my mortgage in the MORTGAGE SERVICING DEPARTMENT. My boss oversees what I do and the collections department. This means he handles requests for loan modifications due to financial hardship. When I told him about my divorce last spring he said to let him know if I needed help since I'm keeping the house. In October I told him I need help. He hemmed and hawed and finally in November told me I needed to give him some of my financial info so the same day he gave me the list I emailed everything to him. In January I asked what was happening with it and he said he never even looked at it. Finally this week we sat down and went through all of my financials together and what I'm budgeting and actually spending versus what I make. He said yeah I'm not over spending anywhere I shouldn't be (partly because I have no social life and never go out to eat and I don't really buy myself anything other than what I need) and based on that information I'm a hairs breadth away from being fucked. He said if one thing happens, like oh say a gas/electric bill being over $300 when I budgeted a monthly max of $150, I'm fucked. He sent everything to his boss recommending a modification to my mortgage to lower my payment. He said I should know something by the end of today. Nothing. I really hope this isn't how they treat other mortgagors who need help. I've been spending more than I'm making since October just to pay my minimum bills and medical bills for my cats and myself. Can they give me a fucking break? They say I'm good at my job and I'm the only person there who knows how to do what I do and they want me to stick around. Guess what, if they won't help me to be able to afford my house and I have to sell it I'm moving the fuck away. There's nothing else keeping me here anymore and I miss my family and being warm and not almost getting into an accident because dumbasses drive in the snow like the roads are dry.
So I guess cross your fingers they'll help me. Apparently they may not because my savings isn't down to zero yet so even though my income doesn't really support my expenses anymore and they won't pay me more I might not qualify for help.
So I guess cross your fingers they'll help me. Apparently they may not because my savings isn't down to zero yet so even though my income doesn't really support my expenses anymore and they won't pay me more I might not qualify for help.
VIEW 9 of 9 COMMENTS
J has been a blessing. I cannot believe I've found someone so understanding and supportive of the situation. I have my fears still, very much so, but that will probably always be the case.
W and I are remaining friends, and that has it's own challenges. But I swear my mother is having a harder time with this than I am. She just asked if I could bring my wedding album over when I come for dinner, so she can get pictures with "just you in them." It's like she's erasing him from everything, and I'm having a hard time dealing with that.