No News is not always good news

A friend paid $3000 for someone out of state to negotiate her loan modification.  I was nervous for her because it just sounded like a scam!  She told me about a website called makinghomeaffordable.gov that I could use for free, but her loan type didnt meet the guidelines required.  In January I called and applied.  I was put in touch with someone who assured me she could help me.  We called Wells Fargo on 3-way and I was pre-approved for the HAMP program based on my income vs my expenses.  Wells Fargo gave me a list of things to send them, pay stubs, w-2’s etc.  They sent me a fed ex envelope, I filled out the financial worksheet, wrote my hardship letter, and fed ex’d it back within days of my call.  Feeling relieved with the hope of taking an almost $1700 mortgage to $1300 I waited and waited….. no call, no letters, nothing.  2 weeks went by, and I called.  They played the game I’ve been hearing about.  Of course they didnt receive ANYTHING.  By this time it is February and I am 3 months behind.  I called the lady back from makinghomeaffordable.gov and we call Wells Fargo again on 3-way, they say to resubmit everything.  I did.  I called back every 2 days.  I hear the same answer, “Give us a week.”  I dont know if they use this as a tactic to incur more fees, but it is extremely stressful.  Its March, I’ve began getting foreclosure letters.  I’ve gotten attorneys letters.  I have reached the end of my rope.  My friend who paid for someone to negotiate her loan modification, it miraculously was approved!  So…. I have paid Real Estate Resolutions almost $2000 and have said a prayer…. this is my last hope.

Can’t sleep……..

This problem consumes my mind.  I fall asleep out of exhaustion not because I am tired.  I have always considered myself a stout Republican.  You work for what you want.  You don’t accept handouts.  I had my daughter at 20 years old.  Although it was very rough, I did not accept WIC or Medicaid.  I was going to work for what she needed.  I was going to provide health insurance for her.  I was not going to take a handout.  Save it for someone who needs it Mr. Bush.   I was stubborn.

Today, even through this situation, I do not want a handout.  I do not want a bailout.  I want to make it on my own.  I am still stubborn.  I will use this blog to sell “stuff.”  Anything and everything I don’t need, I will sell.  I’ll get new stuff.  I have got to save my house.