Yes the American dream, how sweet it is, has once again paid off for us. We worked hard to make every payment on time and when they jacked up our interest rate and refused to modify our loan after over a year of 'working' with them we are now out on our asses. Fantastic.
I vacated my position to finish my education and was then unable to find a job of any kind for 8 months. I eventually took a job at a Lowe's store 50 minutes away part time to make an attempt to have an income. After gas costs and wear on the vehicle it made no real difference. We were soon unable to afford paying our mortgage anymore at the hiked rate and had to stop since the company was not willing to help us in any way. We were then scammed by a 'specialist' out of $2,000 and left with a messy trail of paperwork that no one cared about. I was finally employed in a pre kindergarten program teaching pre kindergarten skills for lower wages than I was promised. I just started that job in March. Just in time to be laid off for the summer months and again without a pay check.
Interestingly enough, my mortgage company was bought out by private investors who have their call center based out of Pakistan. Every time I call I speak with someone different and no one ever gives me the same story about my loan. They have no direct call numbers so you never who you will be speaking to; it could be "Bob," "Jill," or "Anthony" none of whom speak any English that I can understand. All of them with big broken promises of modification plans and returning my phone calls and, of course, no results.
Now my husband and I are forced to find a new place to live within the next month and a half and will be plagued with a foreclosure on our credit.
I love this country.
What a great year this has been. I hate this town and I want to go home...wherever that is.
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