wth???

just got a new set of foreclosure papers in the mail. wth??? they said if we make our payments for three months they'd do a modification and we'd be current on our mortgage. it was supposed to start may 1st, and i sent that payment in early, as a money order, just like they said.

i'm so done with this life crap. i can't deal with this nymore

Can you highlight to them that you did what they asked. Sometimes these systems are automated and can make errors.

I'm sorry you're having trouble with this, but keep trying it sounds like theyre trying to work with you at least

it's just that it's somehthing else i have to deal with. i'm mentally so exhausted, i can't cope anymore. it's always something else. when/if i get this fixed, it's just going to bes omething else. it's always something. things never go well for more than a few days. i'm a trouble magnet. and i can't handle it anymore.

hopeless. suicidal not good

Now, whenwillitend, you know you are catastrophising and thinking the worst, painting everything all black because you are so very depressed. This is your depression talking, and that's the way it surely FEELS to you. But cognitively, your thinking is distorted. Things will not be THAT bad. Don't mean in any way to minimize your pain--I feel for you and know it FEELS that bad, really, really bad. But the plain fact is that it isn't! Yes, there is one more hassle with the mortgage now, but it's probably an automated thing. You can get back with the person who worked out the new program for you and get that corrected again. And there will no doubt be more trouble in your future--life does throw obstacles at us.

Take a deep breath, Breath in & breathe out. Relax yourself. This too will pass. You WILL get through it. I know you will, and all your friends on PC are pulling for you, like me. If it gets worse for you, call the hotline or read some of the resources listed on the note at the top of this section. They are wonderful, and really helpful when you are so very low. I've used them a couple of times myself when I have felt as badly as you do. Sending you my hugs and a ton of good thoughts and well wishes!

just tried to call my t. she always tells me to call if i need to. she said to tell her answering service, and they'd call her for me. i did. they were incredibly rude and refused to call her for me. they said they'll have the on call doctor call me. i don't want to alk to some stranger.

don't think i'll ever try that again

my t called me back. i've never called her before. she seemed frustrated and annoyed with me. i feelw orse than before. nobody wants to deal with me. might as well just disappear.

wish i had someone to watch the kids for a few days

So sorry that happened to you. Keep your chin up--it WILL get better! (((((whenwillitend)))))

congradulations on your success in getting the mortgage sorted out
since you don't give yourself a pat on the back

here it is

PAT ON THE BACK

now I am going onto a tech forum to learn how to make a bigger font

roses

it's not sorted out yet. i called the mortgage company today, and got transferred three times, until i ended up at someone's voicemail. left a message, haven't heard back yet.

just wrote a care plan for my kids and the animals. jsut in case. still don't know who would take them though.

i don't know. don't know what to do. tond' know if i can get through another night. just don't think it's going to get any better. no hope left. won't try calling my t again though.not a pleasant experience.

that is what this forum is for

not so sure why you need a care plan for your kids though
I thought you said you had sent the payment for May and the bank had said that if you pay for 3 more months, it will be O.K.

roses

careplan is for if i'm not here. just preparing


that's what the bank said, but now that we got another set of foreclssure papers i don't know what's going on anymore.

thank you for replying. looks like you're the only one who's still willing to talk to me. i appreciate it

always good to be prepared
a few months ago, I had dental sugery under general anestetic.
I actuallly made a will. I lined all the important papers up on the kitchen table. Made my boyfriend executer and took him through everything. HE HATED IT! But I neede a just in case.

geez more papers... it is likely that it is a big organization where the left hand doesn't know what the right hand is doing. Did you check to see which date was more recent on the letters.... of course it may be irrelevent.
Well, it is the week end, so hope you can relax.

Monday, you can deal with it, hopefully quickly.

congrats on the phone calls you have made
and I respond so much because I am so messed up myself that I am often on-line and this place really helps

everybody is dealing with something
you are strong, you can do it

roses

can't get out of bed anymroe in the morning. been up for an hour, ready to go back to bed. just want to sleep. house looks like crap, i need to clean. just want to sleep. it's a beatuiful day, should take kids to park or atl east out in the yard to play. just want to sleep.

just want to sleep

sorry you're having a hard time yourself. i'm s o selfish righ tnow. a leech. i'm sorry

was just at petco, ran into one of the nurses from the psych hospital i used to go to, my favorite place to be locked up in. they're closed now. it was such a huge trigger, seeing her again. feeling very upset now.

all I can say is that I've been there : house a mess, so much to do, no energy and just wanting to sleep

we are both having bad days

it isn't always this bad... we both have periods when we do stuff

these are your tears for today

this is your energy for tomorrow

wish I could just kick all this crap out of my head and the fatigue out of my body and just do stuff , but it seems to have taken root

it is so frustrating (in my case the underlying abuse) because all this crap keeps me from doing what I need to do and enables them to keep doing it to others

whenwillitend.... we will both come out on top one day

ps I am glad you are here

Selfish!? Despite how you feel, with everything that's going on, you took the time and energy to go out to a store catering to the needs of the furry members of your family. That's caring and unselfish!

May you catch a glimpse of gratefulness in the eyes of those who love and lean on you

Came back to check on you, so don't think I won't write to you anymore! Was busy--went to friends for a pontoon boat ride on the lake, BBQ and then played bridge for 3 hours. So I haven't been online to see how everyone was doing because of that. I should be sleeping now, but came to check on you, among others, first. Sorry you are still feeling down and haven't been able to get the mortgage straightened out yet. I'm betting still, that the latest letter was in the works before you made the new arrangements, that it's some kind of automatic thing that wasn't undone by the new arrangements. But I know you have to worry about it until that is confirmed.

I'll always listen and will always be here for you if you want to talk or PM me. I am going on vacation later this week, but I'll be online some, so don't count me out for caring, OK?

Hi there...

I saw some of your posts about your son and your mortgage situation and felt that I needed to reach out to you. My daughter (now 13), was basically your son when she was younger. Got "safe-schooled" (ie: kicked out for a minimum of 45 days) in first grade because she drew blood on a teacher and was throwing desks, etc. She's doing very well now with the right meds and correct diagnoses...just wanted to say that it can get better with the right help...

Is your mortgage loan going through a HAMP modification? Our final mod was just approved and we paid our first "official" modified (not trial) payment today, due June 1st. Like you, right after we made our 3rd trial payment and sent in our signed final mod paperwork, we got a stupid letter of acceleration. The right hand doesn't know what the left is doing in some of these huge banks - we have Wells Fargo. Have you gotten your final mod papers back in the mail with the bank's signatures yet? Do you have a specific contact person handling your loan mod? If you've been approved for the final mod and made your payment, then they CANNOT, I repeat, CANNOT foreclose. Even if you get a "your house is being auctioned tomorrow" notice, just take all your paperwork to a lawyer and they will stop the sale cold and get things sorted out.

Feel free to PM me any time. I completely understand where you're coming from and, yes, it sucks. But it's not permanent....please believe that and hold on. to you.

~Dragonfly

Me again...

I just reread your posts and I'm sorry if I misunderstood where you are in your loan mod. It sounds like you've actually just begun the trial payment period, is that right? The whole process can drive anybody into restraints - try to be gentle with yourself right now. I'd like to know a little more about where you are with all of that - maybe I can help?