Goodbye everyone,  it's been a fun 5 years but I've got to go and deal with this.  Hope you all understand.

Cheers

Pat

Awful situation.  Good luck.  Hope everything works out.

Quote - Goodbye everyone,  it's been a fun 5 years but I've got to go and deal with this.  Hope you all understand.

Cheers

Pat

OMG!!!! Pat my thoughts and prayers are with you and your family. I hope all turns out ok. ((((((HUGS))))

Good luck with that, I'm out of work but at least my house is paid for so I don't have that worry.
Really hope it turns around fro you fella!

It's not too late, check out Robert Menard's lectures on youtube as quick as you can, they might be able to help you keep your house & remove the debt hanging over your head, but you have to be quick. I've got my fingers crossed for you.

This goes for anyone else who has a mortgage & faces losing their job in the near future too.

Ouch man!, That's not good. Wish you all the luck you need.
I've lost my job twice but social security in Holland was(!) the best in the world, so I never got so far that I had to lose my house, allthough last time was a narrow escape.
I hope you can work things out because I hate to see you go.

Good luck,

Bopper.

Good luck and best of fortune, Pat.  Last year I lost everything I own except for what ever I could pack into my van.  I was homeless for three months.  It almost killed me, but I'm back.

What ever happens...you aren't the only one out there going through that awful crap!  There are mechanisms to help if you find them.  You'll be in my prayers,man.  You are a friend and I hate for you to go through this kind of crap.

On the weird up-side with me--if I hadn't been evicted, I'd be dead AND without everything I own.  My ex-apartment house was completely destroyed by an EF4 tornado, last Friday. At leat I got to relocate under my own power and save SOMETHING (my pc's and some art I did), where as otherwise I'd be 10 x worse off and/or dead or critically injured in a hospital like some of my ex-neighbors.

Look for whatever up sides there might be (if any) and I REALLY hope that you have a smoother and better time of it than I did. I'll see you when you get back. You're too tough a SOB to let you get it get you to down! It's clobbering time, go kick some ass if you can.

*On the weird up-side with me--if I hadn't been evicted, I'd be dead AND without everything I own.  My ex-apartment house was completely destroyed by an EF4 tornado, last Friday. At leat I got to relocate under my own power and save SOMETHING (my pc's and some art I did), where as otherwise I'd be 10 x worse off and/or dead or critically injured in a hospital like some of my ex-neighbors.

*Wow, that's Karma!

Bopper.

My Karma ran over their dogma and kicked it to the curb. :laugh: The world IS a weird and wacky place. If I can make it through the same kind of crap that Pat is going through, he should be fine.

I only hope it's a quicker than my time in the cement mixer.

@JOELGLAINE

Your words are always uplifting.

sorry to hear it, pat.  the lending institution may be persuaded to negotiate, but first, call up as many elected representatives as possible (above the town or city level).  some of them, depending upon one's jurisdiction, can put an extreme amount of pressure on said lending institution almost immediately.

 OMG....Good luck to you....be calm, all will work out.  Sharen

wow...you too?
Hang in there. it will work out for you.

Remember, when one door closes, another opens.

Whatever happens, things will work out for you, if not now, definitely in the future!

In the meantime please try to keep your spirits up and take comfort knowing that you have friends here rooting for you!

I'm sorry to hear that... Hope you can get it squared out with the banks. You're in my thoughts and prayers.

Awwww Pat, that just sucks. I'm so sorry man. I wish you the best of luck. You are a talented guy and I know that you will make the right choices in the days ahead. My heart goes out to you.

Regards,
Ray

Hi  Everyone

Thank you.

Dave,  sorry to hear you're in the same boat.  I wish I could help.

JOEL,  it wasn't karma,  it was G*D. Lot's of people have been praying for you and If you turn your head real quick to the left you'll see an angel.

Folks,  I really got to go and tend to this.  Don't worry,  I got faith and no court can ever take that away.

And faith can move mountains - hope everything works out for you soon!

My prayers are with you and your family Pat.

Bopper mentioned Karma.  I ran with it. :laugh:

[**

http://crisisofcredit.com/**](http://crisisofcredit.com/)

For those interested here is a very Good short Explanation of the
Current World Financial Debacle.

Attached Link: www.mabuhayalliance.org

*And faith can move mountains - hope everything works out for you soon!

Amen to that! 

Through the help of family,  friends and fellow parishioners,  I was able to send the lawyers the money to get reinstated.

Now I'm gonna be pretty busy and won't be able to frequent the forums here.  See,  in this depression my parish has kinda gone to the barter system.  So,  I got 6 toilets to install,  8 ceiling fans to clean,  2 showers to install and a boat load of windows to weather proof,  not to mention all the vegetable gardens to plant.  lol.

Anyways,  thank you all again for the prayers and words of encouragement and in appreciation look for many more freebies.

Take care all.

So that's means....? Reinstated? What? You got put on hold for a while? I don't understand.

Quote - So that's means....? Reinstated? What? You got put on hold for a while? I don't understand.

It means that he was able to reinstate the mortgage by paying off what he owed, plus fees and costs.  So now he no longer is in foreclosure and he once again is in good standing with his mortgage payments.

Here is some information on the process.

http://www.savemefromforeclosure.com/reinstateloantostopforeclosure.php

I assume that since he has mentioned that he now has a good deal of work to do, the he was able to barter for the funds with his church parish and family.

right on, man !!!!

Great news!!
We'll keep thinkin' and prayin' anyways :thumbupboth:

So that means. he's still screwed on the inflated payments, but not screwed right now?
A screwing post-poned is better than an immediate ass-raping by the bank and those guys.
I hope you can get ahead and stay there,Pat!

the bank tried to screw my bro...he has a house valued at $300k+. He owed 80K.
Had the misfortune of a ton of medical bills to the tune of 250,000. He was having problems paying for everything. House up for forclose. The bank wouldn't even try to work things out. Why? They already had a couple of people willing to buy the place for over 200K. What a screw job.

I got my finger crossed for you too ! Take care of you and your family !

Aw man, I'm sorry to hear about all that.  It's about time that hard-working citizens in this country and the world would get a good Bail-Out!  Wishful thinking, but it would be a good start.

I hope everything works out, as it's going be one hell of a ride.  My thoughts and prayers go to you.

JB

You may qualify for  for Obama's newly passed mortgage refinancing program.  

If you have a mortgage and want to find out if you qualify for lowered interest rates, call your lender and find out if your account was sold to either Fannie Mae or Freddie Mac. It should be a quick and easy refinance that will give you a lower monthly payment.

this sort of thing sucks big time, ordinary hardworking joes  get took to the cleaners and the high-ups in the banks trouser huge bonuses for screwing up the economy.
the banks have been bailed out with billions of £'s and $'s and they still will not help those ordinary people to keep their homes by giving a bit of leeway or lend to small businesses whose cashflow has stalled due to the banks screwing everything up.
i consider my self very lucky in that when my father passed on the insurance payed the mortgage off on our home.( although in would sooner have him around still)
the worst thing about all this  is that the ordinary taxpayer is footing the bill for all this, and will be paying it by way of increased taxes and decreased services for years to come.

***By the Grace of God!

(Numbers 6:24-26):***"G-d shall bless you and watch you.

G-d shall let His presence enlighten you and give you grace.

***G-d shall direct His providence toward you and give you peace."

                                                                                                          Amen.

Maybe you should go down in person to the bank and see if they will work out another payment plan for you, They might not want to forclose on you as much as you don't want them to, they may work out something like maybe allow you to take out another morgage or reduce you're payments, I am sure they want thier money and rather work something out then just take you're house away, but good luck that is a bad situation to be in.

Give it your best and one way or another you'll pull through it all. 

Quote - You may qualify for  for Obama's newly passed mortgage refinancing program.  

If you have a mortgage and want to find out if you qualify for lowered interest rates, call your lender and find out if your account was sold to either Fannie Mae or Freddie Mac. It should be a quick and easy refinance that will give you a lower monthly payment.

Do you happen to have a link or something on that by any chance?  We have a Freddie Mac loan and we are trying to negotiate with our mortgage servicer, but they have not mentioned a word about anything like that.