Perilously close to the edge

You want to know what drives people over the edge? Well, I’ll tell ya.
For the last two weeks I’ve been living in limbo. We were served with papers saying we were being sued for back property taxes. Okay, call the folks who sent the letter, found out how much they want and what it would take to get it handled. Realizing we don’t have anything to pay them right this moment and if we don’t they want to try to foreclose so they can own the home I don’t even have payments on anymore……I apply for a home equity loan. All should be going OK at this point. Get loan, pay taxes and pay loan back.
WRONGO!
Here is how it REALLY goes.
Apply for loan. Have one bank tell me we don’t qualify. Have the same bank tell me we DO qualify. I get an approval from the bank. All I have to do is send paperwork on my homeowner’s insurance. My policy is coming due in two days. Fine…I talk to the Agent (insurance) he says they have to re-inspect my home since I’m doing this loan thing. Oh and we may not pass your roof since it’s about 20 years old. AAARRRGGGHHH!!!
JUST PASS THE DAMN THING and let me get my loan. Oops now they want half the policy down because I was late a few times on payments this year. GEE think I have that kind of money? Borrow money from friend at work, knowing that the loan will be going through soon and I can pay him back.
Put his check in bank, pay insurance guy who still have to speak to mortgage company. Time’s a wasting folks. The city only gave me twenty days to pay or show up in court. Finally get a call from the closing agent on my loan. THEY CAN’T CLOSE THE LOAN BECAUSE I OWE TAXES ON MY PROPERTY! Well NO SHIT!
I’m now waiting for my friend the attorney to call me and tell me everything will be fine and we will find a way to settle with the city and they will tell the bank and I can get my loan.
In the meantime…R has found a job but he isn’t starting until we get this whole mess taken care of. IF and I mean IF we get the loan, we may be able to buy a car that is in really good condition for $3,000. It even has air and heat WOOHOO. That’s more than I can say for my house right now.
So here I sit waiting for someone to call me and tell me what hoop I have to jump through next to get this whole mess settled. I’m torn three ways to Sunday. Send some calming thoughts my way.
Or, you can just send folks you know over to the
Donate A Buck site and see how much we can get over the weekend? One dollar a head…hmmmm how many folks do you know that don’t know me and would be willing to send me a buck? How many people do I know that could send it out to people I DON’T know…this little project could get interesting.
Talk to you guys soon!