I really hope that if 2009 sucked balls for you, that you have a better 2010. But for Paul and me, this will not be the case...
Paul and I bought our first house May 2006. We were first time home buyers and our realtor really took us for a ride. When we went and saw the house, we didn't even pull back the shower curtain, didn't turn on the faucets, didn't flush the toilet, DIDN'T NOTICE THERE WAS NO DISHWASHER, etc etc etc. We didn't spend the $300 to get a home inspection. This is a decision that I will regret for the rest of my life. Had we had that done, we wouldn't have bought the house.
The day we moved in really blew and that should have told us it was going to be a long time of crap in that house. The house had been rented out to someone when we bought it. The day we went to move in, the current renter's stuff was STILL in the house. Then, that girl's father held us hostage saying that his daughter had to stay with us because she was pregnant and had no where to live...that she didn't know she had to be out the day before. We called the cops and the BLACK deputy sheriff that responded said regardless of our name being on the house now, that BLACK chick still had the right to be there. WHAT?! Is that even fucking legal? So, I made a deal with the girl's dad: we would load her shit into our moving van, take the shit over to her mom's house and help unload it. Then, after this nightmare, one of the neighbors came up to Paul and told him that the homeowner's husband came over that morning and asked him if he wanted to move in THAT DAY for $600 a month, but the guy thought this was weird and so he declined the offer. This was only the begining of hell.
The renter and home owners must have never cooked or took a shower or washed clothes. The electrical outlets were all miswired and kept tripping every time we'd turn on an appliance. The toilet backed up every time we'd flush it. We bought a small dishwasher that connects to the faucet. Paul fixed the wiring and several weeks after we moved in, Paul unplungged a TOOTHBRUSH from the depths of the toilet. The toilet still kept backing up. Come to find out, there was a crack in the sewer line on our property and the CITY had a crack on their side. One of Paul's sisters gave us the $2500 to get our pipe repaired. Then...the termites came...
After several weeks of hot showers, the ceiling opened up in the bathroom and it started to rain termites. Paul's mom gave us the $1200 to get the house tented for termites on our first 4th of July in the house. We spent 4th of July weekend in a hotel.
Then the air conditioner. We constantly had to call out someone because the A/C was not keeping the house cool enough and freezing up. Winton's A/C is an F rated company, per the BBB. We didn't find this out till just this summer. They were always putting freon in the a/c, wanting us to sign up for the maintance plan, and then told us the wiring for the a/c was old and had to be ripped out and replaced, costing $2500. We didn't do it and got a second opinion. It was actually the intake fan that was having issues.
December 2008, Paul told me we should just walk away from the house. Paul gave me lots of reasons why we should, like the neighborhood was less than desirable and he was concerned that the wiring in the house was shitty and might cause the house to burn to the ground if it shorted out. I hated the thought of going into foreclosure. Then, Jan 2009, we found out I was pregnant. That's when I told Paul that I thought we should go ahead and walk away. I couldn't see raising another kid in that house.
We moved into an apartment 5 days after our youngest was born; 5 days after I had a c-section. December 27, 2009 while at home and eating pizza, we got a knock on the door and got served by the clerk of the county court. It is now the begining of the end. After the foreclosure, we will be filing for bankruptcy. We have a long road in 2010.
But, we will make it, we always do. Paul and I love each other and have weathered worse shiz than this. We will make it. And no one can take away our love or our family.
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Let me tell you something, from the bottom of my heart. You did the right thing. I've seen many foreclosure cases, and yours is one that should have never had to happen. The foreclosure process will not be painful for you, I promise. Any time you have questions, please don't hesitate to ask me. My tenure with that foreclosure law firm may have been short lived, but I gained a lifetime of knowledge about how the process works. I think that now that you guys are out of there, things will get better. In 8 months, the foreclosure will be over (unless you fight it, but I don't see that happening) and then you can start filing for the big BKY. Things are different now. People with bankruptcies and foreclosures on their credit reports aren't looked at as pariahs anymore because there are SO many of us out there that have those blemishes. You've got your family, you've got a great apartment with maintenance that you don't have to worry about and you and Paul both have good jobs (even though yours is sometimes like working for Big Brother). As far as I'm concerned, you're already 100 times better off than you were last year at this time. :)
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