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!
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.
But this morning I beat him to the punch and he looked at me ALL confused!
HUH...morning ALL ready?
Oh yes it is...and how do you like those wake up apples...at least I wasn't yowling at him...next time!
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!
"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!"
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.
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!!!
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!
Not that I'm wishing a hurricane to come upon us simply for a court holiday!
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!
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!