posted on Apr, 19 2012 @ 11:04 PM
Originally posted by zarp3333
Some of you may remember my pleas for prayers two years ago when my 4 month old son came down with a mysterious liver disease. In spite of being
insured, medical bills overwhelmed us. My wife was nursing my son at the time and joined him in the hospital as he was turned into a baby blood donor
for round the clock tests.
During the month long hospitalization, my wife did not work much. She would leave the hospital to see her speech-therapy clients when the baby passed
out. She was unable to work full-time in the weeks to follow.
We missed two mortgage payments. We called PNC Bank and offered to send future payments. Our family, friends and church offered financial support. PNC
refused to accept payments. They said we defaulted but would consider a mortgage modification.
After numerous "failed attempts," they kept losing our documents, we hired professional document preparers. Every couple of months they would ask
for new pay stubs. We sent the last request for info 5 days late Suddenly, they said too bad and sent notice of foreclosure.
It's obvious they never had any intention of modifying our mortgage. We only lasted so long out of their guilt of booting 7 people to the curb.
The part that really chaps my ass is that I was ignorant of the law. PNC would have been forced to reinstate our loan had I sent the payments.
To add further insult to our pain, we have come to realize that CraigsList has been taken over by scammers. I saw many listings in the DC area with
the phone number. They advertise lists of homes on pre-foreclosure lists as "rentals." after you pay a fee, they expect you to knock on doors and
offer to take over mortgage payments.
There are also Nigerians listing "rentals" demanding payments sent to Nigeria. And, BTW, to pay no attention to For Sale sign in the yard or any
people who may be inside. They are agents who just got fired.
Has all integrity been lost? Has everybody sold out? I feel all alone as if nobody let me in on a joke as I sit here thinking "Hey dumbass, nice guys
finish last. The jokes on you a-hole."
Brother I am very sorry to hear what you have been, what you are, and what still awaits that you will be going through...all I can say is be strong,
be true to yourself, and I know this might be a difficult thing to consider at the moment but be sure that all you have gone through that you learn
something from it no matter what the lesson is because once you emerge from the nightmare you'll be grateful for the knowledge and insight you gained
from the process.
It is hard to put into words so please do not think that I am being disrespectful or condescending with my above remarks, it's just that I too have
gone through something similar and the lessons that I got throughout the process have been INVALUABLE to the person I became as a result. I am dead
serious....I literally transformed into a different person because of this harsh new world that we find ourselves now living in (and it don't look
like it's getting any better).
I retired from active duty U.S. Navy in June 2009 at the height of this so called recession (depression would be a better description). A small
business owner of 2 years at the time along with my wife of a small day spa in San Diego, CA at the time, it just so happened that due to the economy
slipping we had lost 62% of our clientele between calendar years 2008-2009. Couple that along with my retirement of over 20 years active naval
service I went from making net $6k+ a month as a Chief Petty Officer to my paltry retirement of $1200 a month. A long story short we lost EVERYTHING.
My 996 Porsche 911 Carrera, my E46 BMW M3 FULL AC Shnitzer ($23k in modifications), our business, the roof over our heads...ALL OF IT GONE! Prior to
that life changing experience I had held a 720+ credit score my ENTIRE adult life, $30k in credit AMEX, blah blah blah.
Because in the end that is all it ever was....blah blah blah, I never knew how much of a prisoner I was to my possessions until I began to lose them
all. It was like grasping at straws as those people that had been SOOO NICE with you as you paid them each month on time and in good standing for
YEARS, to all of a sudden seeing a WHOLE other side of them the moment I needed....help.
In closing let me just say this,,,,you are desperate right now man, and in desperate times people resort to desperate measures (before you say I am
whacked just ask yourself...would you have ever come to the TRUE realization of the crap that is on craigslist or learn and almost become victim of
the infamous Nigerian scammers prior to this event in your life?). Make an exit plan, and STICK to the plan. Begin listing who you feel will be able
to assist (food, shelter, clothing) and who not because trust me...you are about to find out who your REAL friends are. Running out of room guess we
have a character limit on here now huh?