Hi to all my sparkling friends! Thank you for your prayers and your positive thoughts whisked our way yesterday. It was a very crucial day in the 'save our home' fight.
There was a judicial case management meeting set in Lee County for 4 p.m. yesterday.
That's when both parties come together before the judge to find out what is happening on the case...in this instance the L~O~N~G~ and grueling fight to save our home.
This is the home that we had built and I designed every last detail. It's the one that we plunked over $60,000 down as a down payment. That left us with a very comfortable loan and small monthly payments.
I'm NOT a frivolous person with our money...being self employed for so many years I know that times can be boom...or times can go bust!
So don't get me confused with those homeowners that jumped into houses and payments that were too much for them then wondered what the heck happened when they couldn't pay them.
This house means the world to us...as most people's homes always do. This is the home that is filled with happy memories of our beautiful son Josh and is filled with the energy of many, many parties and good times with our friends and families. It's also beautiful. It's something that is special to me beyond all the other houses we've owned and we've had some gorgeous ones.
This one means even MORE because GMAC is hell bent on stealing it away from us. In spite of the fact that we did EVERYTHING right when the downturn in the economy happened.
We started asking for help an ENTIRE year before we ran out of our savings. AN ENTIRE year is a pretty long time to beg for a modification payment don't you think? I'm talking about what I made my full time job daily contacting agencies to help, calling GMAC every other day...sending in sheaves of paperwork only to be told they didn't get it when you called the next day to check. They GOT it...they just didn't care about it. They had NO intention of helping...none whatsoever! They induced us to default telling us they would not even consider helping if our mortgage was current...then they did everything they could to say we were in default even though..we were paying them monthly on the trial modification.
The other skull dugery was that if we made THREE perfect payments they would grant a permanent modification and we'd live happily ever after. NINE payments later they finally had their act together in manufacturing all the fraudulent docs they cooked up out of thin air to tell the court...oh YES your honor...we HAVE it NOW! Slime balls to the ninth degree!
This is FRAUD...it is absolute and total disrespect for the homeowners that are trying their absolute BEST to keep their home.
Not to mention that if there is NO note or mortgage that they can produce to prove they even own the home they shouldn't be entitled to it.
Millions of notes and mortgages got gobbled up when the banks cooked up their grand scheme to sidestep hundreds of thousands of dollars in mortgage and doc stamps due to the states requirement to keep all assignments and transfers in their land files. They cooked up this giant side stepping machine called MERS (mortgage electronic registry system) that was supposed to be the keeper of the notes and allowed the banks to chop and dice up mortgages by the hour to resale to the market as REIT mortgage notes to investors.
This too...of course is fraud. The investors got slammed just as hard as the homeowners when the housing market crashed and investments that they thought were sound and backed by actual bonifide mortgages shredded into a paper fiasco. They lost value and the government had to step in (which is US of course with our tax dollars) to bail these creepsters out or the whole banking system could have collapsed upon itself.
It still could if the bankers were actually held ACCOUNTABLE for the bogus documents they cooked up and the fraudulent paperwork they CREATED (not produced...because it is NO WHERE to find) by robo signers and slimy lawyers that were working 24/7 to cook up documents needed.
You see...you can't lay claim to something you can't prove you own. Unless you are a banker of course!
If it were you or me...good bye...don't waste the court's time!
Soooo to further escalate the lies that were first committed the judges are told to look the other way...and just get this nasty little mess over with. Throw the homeowners out and sell their homes for pennies on the dollar and lets go on with life.
UNLESS...you run across a homeowner who is a feisty little lady from Bonita Springs that just WON'T lay down!
That would be ME...of course. After begging for a year to get a trial modification and then finally GETTING it...AND paying NINE months of perfect on-time payments to the letter of the agreement AND STILL having our house moved to foreclosure. Well it just makes you MAD...da** MAD!
I've never looked at a banker wearing a slick $3,000 suit and decided that he was better than me...or mine.
Working for 10 years in the industry as an Asst. Employment Mgr. for the 5th largest S&L in the world taught me plenty about our wonderful banking industry. AND...it wasn't pretty!
Never have I met a more self involved, arrogant, self absorbed, better than thou..group of management people.... ever!
Or for that matter a more conflicted, self doubting, insecure, bunch of people ever...seriously 10 years was all I could stand there and that was only to get my vesting for my 401 plan.
Some days I had to give myself a pep talk before I left for work. I was in charge of our management intern group and it pained me greatly not to just tell them to RUN...to another career that actually might fulfill them as the good humans we are put on this planet to be.
But...I digress. Yesterday's case management meeting had me PLENTY nervous. So I fired off a few e-mails to the attorney (who is pretty wonderful) that would be representing us. He drove all the way from Tampa down to Ft. Myers for the meeting. Not a fun drive and I always marvel at his dedication to put himself out to represent his people. Especially when he knows the cards are WAYYYY stacked against him...but he does it anyway..because there are STILL...thank goodness...a few angels amongst us. Those are foreclosure lawyers that are smart and dedicated and really CARE about justice. We had one before we secured the services of this wonderful firm Ice Legal out of Miami...but he was what they call strictly a timeline lawyer. Take the clients money...and just play out the timeline. If they prove that they have had fraud committed against them...basically shush them and tell them you are the one who knows what is what. WRONG...once I realized this...he was kicked to the curb. I'm fighting for my life here...not just a sweet monthly income for your balance sheet son!
Soooo after our attorney drove all the way down from Tampa for the 4 p.m. meeting arriving about 10 minutes early to courtroom 5B...he tells me that he was puzzled as it was dark inside and the door was locked. HUH..that was the information that he was given for the meeting.
So he marches himself back to the lobby and rechecks the schedule it says courtroom 5B...he goes back upstairs and goes into the judges secretary and asks her. She is of no help because the REAL judges aren't even hearing the foreclosure cases they've brought in a bunch of retired old fogies at $325 a day to muck through the nasty job of expelling good people from their homes. SHE doesn't keep track of THEM...she says.
Sooo our poor attorney goes room to room until he spies the nasty slimeball attorney that GMAC has sent to do their bidding. He walks into the courtroom 4B...it's about 4:10 now and sees the court reporter breaking down her machine. The judge is hearing another case. He goes over to the court reporter and asks her why she is leaving. He spots the slimeball attorney for GMAC trying to slither outside of the courtroom and stops him too.
When the Judge is finished with the other case...seriously...they whip through these things in 10 minute intervals...it's sickening...he speaks up and says" Wait a minute Judge I'm here to represent my clients and I was directed to the WRONG courtroom and no one could tell me that you had moved but I AM here and I do ask that you hear my case in all fairness to my client's who were certainly NOT at fault for the room mixup!"
He tells me that the Judge said that the case had been heard and set for trial, but he too...had gone to courtroom 5B first because it was on HIS schedule too..he'd hear what he had to say.
Our attorney established that GMAC has not even complied with the full discovery they have been compelled to produce and that we have asked for protective order until they DO produce this note that first they said they lost, then they produced with unclean hands, and then AGAIN said they had lost when it showed forgery.
TAKE that...slimeballs! He also said that the GMAC attorney was SOME PIECE of work for acting like he knew nothing about nothing on this action when of course he FULL well did but was just trying to take advantage of the situation with the courtroom mix up.
Soooo we have another case management meeting scheduled for June 20th and then most likely the case will be set for trial 30 days later. It doesn't mean that we will win...but it does mean that our attorney is a CHAMP and that we made the right choice in securing Ice Legal.
It also means...it ain't over til it's over and the fat lady sings.....we fight on!
It's also worth saying that prayer DOES work! I appreciate all of your mighty prayers and I know they helped! I also prayed HARD for us too and of course asked my 'Mighty Josh Angel' to do what he could! I also asked our powerful angel Michael for his assistance. I know that our angels can do crazy things (like changing the room which caused an additional delay)....did he...well...of course he did...he's like that...he'll do anything to help his momma and dad out...anything he possibly can! That's MY story my friends...and I'm stickin' to it!