80,000-99,999 SparkPoints 81,246

LONG day but foreclosure mediations have improved and that's a GOOD thing!

Friday, July 26, 2013

emoticon Hi sparkling friends of mine!

I was up with the early birds about 4 a.m. this morning. I didn't even get woken up by Keanu our senior kitty cat who thinks it's his job to be the newest version of an alarm clock.

He usually starts yowling about 6 to 6:30 a.m. He'll come to our bedroom door and make a polite meow...then if we don't let him in...he'll cool his paws for about 15 minutes and come back every 15 minutes until we finally give in and get out of bed. His polite mews get increasingly louder and louder and the last few blasts are deafening. Y~E~O~W~L~L!

He just started this annoying habit within the last year and sometimes he gets his time schedules confused and just starts out LOUD, LOUDER, and LOUDEST! emoticon

It's not my most favorite way to shuttle in a new day...but what are ya gonna do...Keanu is 18 cat years old..that's a crochetey~89 human years. emoticon

But this morning I beat him to the punch and he looked at me ALL confused! emoticon

HUH...morning ALL ready? emoticon Oh yes it is...and how do you like those wake up apples...at least I wasn't yowling at him...next time! emoticon

But I had tons of stuff to organize for the 'save our house' mediation meeting and I wanted to be fully prepared. I sorted through my mile high folders thinking I might have to dig out some important document...and I thought...what the heck...I'm just taking them ALL!

So I packaged up the last 3 1/2 years of my life and loaded them onto a carry cart, bungie strapped them in and away we went!

My hubs looked at me like I had lost my last marble! emoticon

"Are you REALLY going to haul all of those folders along with you, and do you think the mediator even CARES that you have just destroyed an entire forest of trees??"

"Hey...he might as well see how hard we have fought for FAIRNESS... and to what lengths I've gone to get some of it!" emoticon

Those folders aren't impressing anyone sitting at home piled in our office...it's worth the chance he might be a decent guy and see that we LOVE our house and are SO committed to saving it that I....a MIGHTY tree hugger..actually destroyed all of those trees for this stack of papers....I just don't want their little lives to be scarified in vain!"

OMG...he sucks in his breathe..."DON'T even THINK about telling them THAT!"

Okay...that might be a little 'too out there' for even ME to attempt. I agree...but the files are definitely making the trip to this mediation meeting.

I've been praying that this would go well...I've asked everyone I can possibly think of with 'angel power' on the other side for their help. I've prayed to our heavenly source for help...and of course I've prayed fiercely to our most mighty angel our dearly beloved and painfully missed son...our brilliant and compassionate and FAIR minded Josher.

I knew if anyone could or would help us retain his family home full of memories and love and protection and comfort it would be the mighty Josh. emoticon

And...then at 5:30 in the early hours of the morning after I had assembled and neatened tons of files and rubber banded them so their guts wouldn't fall out if the carry cart sprung a wheel leak due to the mere velocity of it's task...after all the papers were safely tucked in their folders and loaded up then bungee corded in for safety...after the desk tops that groaned under files and files and FILES were cleaned off and in need of a good dusting...what did I see on the floor but an odd little sheet of yellow paper laying face side down.

I leaned over to scoop it up thinking it was a straggling note, or yet another piece of research that needed tucked into one of the folders to make the mediation trip.

I turned it over and what was it? An optometric slip from one of Josh's eye appointments from years gone past in 1999. It showed his name clearly with his eye corrections neatly noted. The spheres, the cylinders, the axis and the prisms..all noted for his contact lenses.

Do you know..that is the ONE last thing of Josh's I just could NOT bear to throw out of his supply of new contact lens...it took me months and months.

It was, in my mind, as if I threw away his contacts...he'd no longer be able to see his dad and I clearly. Weird..yes...but that's EXACTLY how I felt at the time. It was a gut wrenching experience and now here is his eye prescription right in front of me on a VERY important day.

WHERE did this eye exam paper come from...I wasn't looking through any of Josh's folders...no where close to them. It may have gotten stuck in one of the foreclosure fight folders but unlikely since that nightmare didn't start until 2009 and Josh's prescription was dated 8-20-99...when he was only 16 years old and long ago would have been filed in his medical files, or in his school folder.

As you can see...I'm pretty anal about files and filing and it's just not likely that this little paper with Josh's name on it and his eye correction of all things was on my floor in that early morning hour.

That yellow little piece of paper from out of NO where surely was a sign to me that our Josh WAS going to be VERY much with us at the mediation and that he had his 'eyes' on the issue.

I truly believe our departed loved one's are our most powerful angels and that they do observe and share the ups and downs of those they leave behind! I just KNOW this is true!

The meeting was surprising fruitful! We had already submitted all of our modification paperwork through our attorneys back on 7/10..so the person we were working with from OcWen via the speaker phone had all the information at hand and he had the power to modify the loan, adjust the interest rate, and give us a modification.

There was one little snafu on some government information they needed on a form that was different than the form that we had submitted as they have recently been upgraded...but he actually allowed us to update with the necessary information and the mediator faxed the form to him while he waited for it's receipt.

The plaintiff's attorney was surprisingly cordial and our attorney (darling that he is) drove down all the way from Kissimmee (about a 3 hour drive EACH way) to be present with us.

We ADORE this man from Ice Legal! He is a tireless crusader for the little guy and his firm is one of the imminent foreclosure defense attorneys here in SW FL. They aren't CHEAP but as with everything in life you get what you pay for.

I felt like this was the first time our $200 fee for the mediation meeting was well worth it. The mediator was highly qualified in foreclosure mediation, he offered coffee and water, had a beautiful comfortable office and gave us a written report of the findings and will submit one to the court as well. He of course is not a judge so can't make any ruling but he was fair, kept the discussion focused and extremely helpful faxing paperwork to OcWen.

Foreclosure mediation has come a LONG way baby! Just last year the one we attended was a HUGE waste of time and a BIGGER waste of money!

So how did things turn out...you say with bated breath!!! emoticon

I don't know...they still have to do an appraisal on the house determine the Net Profit Value as to whether it looks more profitable for them to modify or foreclose. But I'm thinking after almost 3 1/2 years of shelling out attorney fees and realizing they have clients that will part the deep red sea to stay in their house given a fair chance...I'm guardedly optimistic.

We should hear in the next 2 -4 weeks and if the judge doesn't ram our case through to trial (which we ALL know they love to do here in FL) perhaps fingers and toes crossed things might work out for us.

I also know if Ice Legal has anything to do with convincing the Judge to wait for modification results they absolutely will. Depends on the Judge..depends on his mood that day.

We have another case management meeting coming up 8/9 so again... of course, we are STILL Nervous Nellie's about yet ANOTHER looming date!

Maybe that tropical storm out in the gulf will shut down the court that day! emoticon Not that I'm wishing a hurricane to come upon us simply for a court holiday! emoticon Well...probably not! emoticon

But...if all goes well..fingers and toes crossed......we may...possibly...maybe...hopef
ully...have a modification that we all can live with and pick up our lives again after this 3 1/2 year bloody, down in the trenches, brawl worthy, nose bleeding, d*** expensive battle!

I'm telling you...what I've ALWAYS said...it ain't over til the fat lady sings! emoticon emoticon emoticon

Thank you for all your prayers, your encouragement and your pure love, I know you helped us and continue to help us so MUCH...it is present and today was a testimony of what compassionate love looks like. We have NEVER been treated as kindly or as professionally!

And...here's a shout out to our MIGHTY JOSH...an angel always to his loving momma...but now he has sprouted his true wings...VIVA JOSH forever! emoticon

Share This Post With Others
Member Comments About This Blog Post
    emoticon emoticon sometimes the good guys win, or at least hold off the bad guys! Keeping fingers crossed for you.

    And I love your cat!
    1571 days ago
    Please keep us posted. We're all routing for you, and yes, I'm sure Josh is the angel looking over your shoulder. Stay positive! emoticon
    1571 days ago
    Lovely news! I think that angels (Josh) in this instance wanted to be sure you knew he was with you and had your back. Your fight is almost won and I am NOT giving up hope. Love the stack of papers and folders - it definitely shows that you have a much bigger stake in this fight than any mortgage company, loan office, crooked lawyer or whoever else feels the need to run over the "little" people in this world. I hope you have a wonderful day!!!
    1575 days ago
    Your darling angel is watching, keeping any eye on you and sharing his love.
    1575 days ago
    So glad your meeting went well and hopefully will be coming to a happy ending soon. Of course Your Josh would send you a sign that day.. How Awesome!!!!
    Continued Blessings to come your way Bobbie. Hugs and love
    1576 days ago
    Never give up is our mantra and you're following it! I'm so pleased at you news and sending prayers and good vibes and good wishes that things go soundly your way. Big hugs!
    1576 days ago
    Your special Angel is watching over you and my prayers and thoughts are with you!!! Keep the faith that things will work out for you and your hubby!!!
    Thanks for sharing the beautiful pictures of Josh!! emoticon emoticon emoticon emoticon
    1576 days ago
    emoticon emoticon Praying for whatever has to be for you to keep your home!!!

    1576 days ago
    I'm STILL here, with the angel wings on, everyday, thinking of you & praying for your home! YOU deserve all the good that is coming to you!!!!!

    Love you, soul sister friend!!!!!
    emoticon emoticon emoticon emoticon
    1576 days ago
    What a blessing.
    1577 days ago
  • JUSTME29
    That's great that you feel better about this meeting. Maybe those stacks of paper did make a difference. I bet they deal with people every day that are nowhere near as prepared as you and it was a nice change to deal with someone knowledgeable of their own situation. Hopefully the judge will take the mediator's report into consideration. It seems like the bank would rather let you stay and make some kind of payments rather than try to sell and then hope to collect from new people. Just makes more sense to me. Good luck with your next meeting.
    1577 days ago
    So glad the meeting went well - maybe the tide is finally turning. So cool for confirmation that your precious Josh was watching! emoticon sweet friend!
    1577 days ago
    Wow! How cool is that to see the paper and to know that Josh is letting you know that he is watching over you. That's so funny that you surprised Keanu. It sounds like the meeting went as well as you could have hoped for. Still keeping my fingers and toes crossed that all goes well at the next meeting and that the judge will wait for the modification results!! Hoping upon hope that you'll be able to keep your home!

    What is the case management appointment for? Hope you can relax a tiny bit between now and the next appointment!

    Big Hugs and Love to you!! emoticon emoticon
    1577 days ago
    You bet Josh was there to help his dear mama!
    That slip of paper was put there for a reason.
    Keep up the good fight! You did great! HUGS!
    1577 days ago
    So glad the meeting went well, and that Josh was with you watching emoticon
    1577 days ago
    Really glad to hear that the meeting went well. Don't let the stress get you down.

    Prayers will be sent up for you and your husband. Get some rest tonight.


    1577 days ago
    1577 days ago
    Keeping my fingers and toes crossed while I keep you in my thoughts and prayers!!!
    1577 days ago
    I'm so glad that things went well today. It sounds like there is a good possibility that loan modification will be coming.

    I bet that gave you chills to see Josh's prescription. He has his eyes on you!
    1577 days ago
    emoticon emoticon
    1577 days ago
    I feel like I need to send out a big cyber hug (((((Bobbi)))))) emoticon You are in my prayers!
    1577 days ago
    So hoping it all goes your way. You have put so much time and effort into this. Just as a side note, our kitties believe they should be allowed to go in and out of my daughter's room as they please. When they are in there, they start dismantling things so she throws them out. When they are out, they start pounding on her door. We have the dog. She gets the cats lol
    1577 days ago
    That little yellow paper was a definite sign -- hopefully of good things to come -- but certainly that you've got someone looking out for you. I hope you get good news in the weeks to come with your house. It sounds like a very stressful time.
    1577 days ago
    I so hope and pray emoticon that things finally go your way!
    1577 days ago
    Okkk you got up pretty eaarrllyyyy.. ( if I face a complex meeting I would not sleep somewhat the night before) surprised your cat which made me Smile. emoticon

    Whoa-HO ... You not kidding in the paperwork ( 3 years worth of stuff) and the orphan paper on Josh made me grin when you explain that this paper not with josh's stuff anywhere! emoticon

    You explained that the mediation meeting was fairly smooth with your team and others and hopefully the judge next few weeks and the next meeting would be progressing nicely.

    In the meantime enjoy your 5% challenge with the Teddy bears and yes do a little artwork to beat the stress! emoticon emoticon emoticon
    1577 days ago
    Wow, that sounds really promising.

    1577 days ago

    Comment edited on: 7/26/2013 8:12:47 PM
    This looks very promising and, as always, in your corner sending love from San Diego.
    1577 days ago
    Awesome and neat about the paper, never know do you! I am waking at 3 -3:30 evry am and then dad says every am at 3 I wake up and am cold... strange we don hear him he is in basement and we are 2 floors up. So not us waking eaach other so I thought hmmm mum?
    1577 days ago
    When you mentioned that this eye appointment card fell out of no where, I thought also that your son was watching too. emoticon So it sounds like the meeting went well but no final decision for 3-4 weeks?? I feel very optimistic for you and wish, for your sake, for all this to be over soon. emoticon
    The photo of your cat is really beautiful, almost like he's posing (wouldn't be surprised). emoticon
    Enjoy the rest of the weekend, my friend. emoticon
    Love, Chelsea emoticon
    1577 days ago
  • Add Your Comment to the Blog Post

    Log in to post a comment

    Disclaimer: Weight loss results will vary from person to person. No individual result should be seen as a typical result of following the SparkPeople program.