Foreclosure Notice

M

melanalyus

Cathlete
Ugh. I'm posting to vent, but if anyone has input,...it'd be great.

We moved out of our home of 15 years to a new home in July 07. We took a home equity loan on our first home to put as a downpayment on our new home....figuring our house would sell (before market was really bad). I should also note that it is waterfront property (new roof, windows, carpet, paint, staging...)

In December of 07 I started working 60 hrs/week to pay for the 2 mortgages (plus about 14hrs/week drive time).We were super suprised that our house hadn't sold yet. I worked thru vacation time, moonlighted,..did everything I could think of. The mortgages were roughly 60 percent of my take-home pay...even after working that many hours.

In May 08 I found out I was pregnant (which was ironic b/c we had stopped trying after 2 years of unsuccess....stopped TTC when i had to upgrade my work hours).

In July, I lost my primary job (7 day notice....store closed) and a couple days later we lost our baby (almost 4 months along). We stopped making payments on the house.

I realized I was not superwoman & I couldn't do it anymore. I missed my kids so much during that time. I prayed like mad during these times...holding onto my faith.

Today, we got our foreclosure notice. I'm not necessarily shocked....I knew it was coming....but I wanted to cry.

To me it was a super failure. Sure, we are fortunate to have a house to live in...physically we'll be fine,....but emotionally.....

Now I'm realizing that this house symbolized another unanswered prayer (a cry for our house to sell).

It symbolized a factor in the death of our baby (I was working so hard).

It s[I]ymbolized [/I]all my lost time with my family...time I could never get back (from working so many hours)...

It's a loss of a home that we lived in for 15 years....that the brows of our head sweated for & took care of with passion & love.

Anywho,....I just wanted to vent. Wondering if anyone out their has felt similiar ways after a foreclosure?
 
Last edited:
Uggghhhh, Melanie, what a terrible series of events for you. I have thought of you often since I read about your miscarriage on the boards, and now this. When it rains, it pours.... I have no advice, but wanted to tell you that you will definitely be in my thoughts and prayers.
 
Yes, this will be a good thing,...once it's actually over and we can move on.

I suppose i was just suprised to be "hurt" over foreclosure. I so wished (and prayed for) a nice couple with kids to move in---and that they'd love it as much as we did. I"m going to continue to pray for new owners of that house. I want them to be radically and outragously happy & blessed in that house!!!

Maybe I could visit it one last time....and pray over the home. I think that might help with the mental closure...
 
I’m so sorry for all your woes. It sounds like you have a deep and abiding faith, but I know that it is still hard to face some of what gets handed to you. I’m sure there is a reason for your difficulties and pray that things get easier for you.

I have a good friend who lost a house and business due to economic setbacks. They had to relocated and start all over again, but every time I talk to him, he is convinced he is in a better place now. I hope you can say the same soon. {{HUGS}}
 
Melanie - I don't know what to say, except I am so sorry for all you have gone through. I pray that you and your family find peace and happiness.
 
Melanie, Sending you love and support...

Your 'knowing' that things will work out, and that you so earnestly want others to find the happiness you found in the other house, is wonderful.

It reminds me of a good friend of mine who went through some challenges years ago, she had/has a similar outlook on life. They lost their business, incurred incredible debt, had teens running wild and just a bunch of challenges, all at the same time.

Now, years later...they are stronger, happier, wiser, more in love and with more joy then most people I know.

I see the same for you and your family...may the good that is yours rain upon you in great abundance...

Many blessings...
 
Melanie,

It sounds like it has been quite the struggle. You & your family will be in my prayers. Try no to be so hard on yourself! You did alot to try to hold onto the house. & honestly I was surprised that since you said it was July that you stopped making payments that the bank took so long to foreclose. I never realized they waited so long.

I understand your sense of loss, but I hope in time you will feel relief. Keep praying & stay faithfull.
 
I'm so sorry & you have my deepest condolences. Many many people have lost their homes in the past few years so you are not alone. You are dealing with a lot of emotional stress.

The house you lived in for 15 years has many memories. You will always have those memories. It is not your fault that the 1st house did not sell. Many houses, even the less expensive ones are not selling. Try not to blame yourself. This country is in a lot of trouble and many people are losing their jobs and their homes.

You are in my prayers.
 
I'm so sorry Melanie. Like another poster said, when it rains, it pours.

You already know that you will come through this stronger, and so you're in a good place emotionally. And it sounds like you're relieved to be free of this burden, like you're getting closure for many things in your life. I would feel that way too. I think it's healthy.

I think it's hard with the other house just becuase it meant to much to you. You raised your family there, and had so many happy times there. It becomes hard when there isn't someone else that immediately jumps on the opportunity to share that space in the same way.

You can see the light at the end of the tunnel. And the next few months will be difficult. But you've come through so much already, this is just the last of it.
Good luck as things progress. We'll all be thinking about you!
 
Thanks for all your compassionate words! :)

I was really hoping that there might be some "mentors" out there who have been through this & might want to share? You can PM me, if you'd like. I know I'm not alone----but I don't know anyone who has gone through it (or maybe they don't talk about it).

Life has certainly gotten much better since July. We are doing better---this foreclosure (printed in writing for all to see in the newspapers) was just more emotional than I thought it'd be. My husband seems to be taking it pretty well....

Keep them prayers coming !!! :)
 
Melanie,
I'm so sorry for your losses. I have no words of advice other than hold onto your faith. God is faithful! Your family will be in my prayers!

Becky
 
I'm so sorry for all you've gone through. My goodness, it so much -- too much for anyone. I wish I could give you some good tips, but I have no advice. I will keep you in my thoughts and prayers.
 
Oh honey, you are so not alone so it's good that you're reaching out for comfort. I'm in a bad way (fiscally speaking) but, luckily, I'll hang onto my house only because it's a cheap house (so I've been able to keep up with the payments after all my overtime was cut out) and in a bad neighborhood. I know that feeling of failure but, in the end, most of us are going to hear bad news in one way or another, until this economic nightmare ends. I'm so sorry for you but I feel things are going to get better for you (and for us all), so much so that you'll one day look back on this time with relief, that it's all over and you've become so much stronger. Prayers and good thoughts coming your way. Hang tough and know you're not alone.
 
I am very sorry to hear of your series of misfortunes. I believe that your faith will carry you through these difficult times. You and your family will definitely be in my thoughts and prayers. Years ago, I suffered a miscarriage and there was a book that I read entitled "I'll Hold You In Heaven." This book along with my faith carried me through a very difficult time. May we all pray that these difficult economic times will soon be over.

Regina


Regina
 
((((((hugs)))))) to you and your family. I'm so sorry you are going through this. What heartaches you are enduring!:( You all are in my prayers.

Janie
4760884_bodyshot_175x233.gif
 
Melanie - I am so sorry to hear you are going through this. Thankfully your family still has a roof over their heads even though in tough times it is hard to remember what to be thankful about. That probably doesn't help much right now since you had such emotional ties to the house but hopefully in the long run, not having to pay that other mortgage will help ease the pain.
 
I am so sorry for all that you are going through!! I don't know much about foreclosures, but I have heard that in this climate some people are applying to the government for and receiving subsidies that help them to hold onto the house. Make sure you talk to some kind of financial expert to see if you are eligible - I think that just being in foreclosure at this time may put you in an eligible class.
Hang in there!! Just from your posts you sound like a strong and courageous person.
--Laura
 
Melanie,
More (((((((hugs))))))) for all you've been thru already and what you are dealing with now. Take care---
 
You must log in or register to reply here.

Our Newsletter

Get awesome content delivered straight to your inbox.

Top