If there is one bill you NEVER ignore

mortgage.  Always, always keep in touch with them even if you don't have the payment.  Your not alone in your dilemma.  The mortage companies have been very flexible and willing to work with payment issues in the past year.  Not sure if the options are still available since they've started foreclosure proceedings, but there are payment plans and now the popular "modification" loans.  Pick up the phone and call them - do it ASAP.  Explain your situation, decreased income, ARM adjustment and see if there is an option to keep you in the home at a payment that is comfortable.  I know many of the lenders are waiting for the exact guidelines on March 4th under the new stimulus plan to come out.  Hopefully this will be the saving grace some are hoping for. 

I wish you luck though, I know you're in a touch situation.  I was there too so can truly sympathize.  My loan is currently pending modification, but I first started with a payment plan.  My fingers and toes are crossed. 

• MT Facing foreclosure question - MT
  • I don't know how long sm - MT 30 years
    • I seen that same thing on TV....sm - curious girl
  • Do you want to live in the home? - Depends
  • If there is one bill you NEVER ignore - even if you can't pay, it's your
  • It takes awhile... - Brandy
  • Have you tried refinancing through FHA? nm - not too late to stop foreclosure
    • That is exactly what I heard this past week - Jennie
  • Try for a short sale, a good friend of mine - sm -
  • foreclosure - ej
  • Straight from the horse's mouth - WFB Website see inside - catsxoxo
  • I think you should consult an attorney - catsxoxo
  • Might be completely wrong but thought I saw where HUD - Jennie
  • Do you have a husband? This is why I ask..sm - MT and worn out
    • No hubby! - mt
  • Try this before you give up your home to them - sm - sandys
    • Yes, I've called many times and they - mt
  • ask the mortgage company to produce the note - sm
  • Been there myself - - anon
  • You'll get specific paperwork on it. - sm
    • Modification - long-time MT-NY
      • And in the meantime - Connie
        • Yes, I agree with this and ask - catsxoxo
        • why send them anything if they are going to foreclose? - Amanda
    • Yes, you'll have plenty of warning. sm - ears

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This has only happened once, and I had my check cut same day.  This is business and I will not beg someone to give me my money.  I simply stated it as a fact. 

I got the same thing last week.  I was on the internet and a message came up that looked like it was from Windows (but it  from somewhere on the internet) saying how many trojans and bad stuff I had on my computer.  It's a total crock!!!  If you responded to the message and click ok, you I couldn't say for sure what you are in for.  Someone is trying to get access to your computer.  If you are uneasy about something, listen to that inner voice.  You can always do a check later on your own to verify anything.

If you just had it cleaned up by a professional and have a good firewall and antivirus installed on your computer then don't worry about it if you didn't get curious about the message.  If you did then you might need to check that out.

Unless you want to see, too. 

"super" women here who act like they've got it all together, never resent anything or anyone, they all make 50,000 or more a year, have the greatest job in the world, perfect husbands, perfect kids, and perfect lives.  They're only fooling themselves.

I feel for you!  And I understand that you don't resent the child you've been "given" but that you love her and you just have days when you feel weighed down and angry.  You do without and give all of yourself to your child and then you get angry when you type reports on self-serving, vain women having their faces lifted or their eyes done as if that is the most important thing in life - looking younger.

I know you love your child.  You don't resent her at all.  You do all you can for her.  You're just having a bad day.  Like I said before, you're allowed a bad day every now again.

the point here. And, perhaps that is the point!  We don't know who these oh-so-correct posters are. Perhaps they're management or ceo's.  Allowing ourselves to be distracted with that nonsense won't help our cause. What is important is to get a consensus and, perhaps, write a petition that all who are willing can sign. If we can do this on-line and then download and print it we can each send to whichever newspaper we choose and forward to our congressmen (and women) and senators. Does anyone here know how to set up a blog in which a petition can be drawn up. Let's use our talents (and our significant others' talents) to make this happen. And, yes, there were incidents a couple of years ago when a disgruntled employee overseas threatened to release patient information. There was nothing that could be done as HIPPA does not apply to off shore companies. I find that fact to be interesting and slightly suspect. It brings to mind lobbyists and makes me wonder "why" the HIPPA laws were written in such a manner. There is quite a lot of info here on that incident. Do a search on "release of patient information" or something like that and it will probably rise to the surface! If we all do what lawyers and pundits call "due diligence" (meaning extensive research) and have a forum on which to share this information we can put together a compelling letter and petition. Keep the conversation going and maybe we will find the right people on this website that can do a portion of what needs to be done, and so on.

The following post has information of the incident mentioned above.  I have edited as it is quite long and placed emphasis in certain areas.  Although it is long please make the effort to read it.

once a month and pay my MT's once a month. Payable upon receipt. I've only had a few times where the check didn't come but that was a small account at the hospital and the bill was going to the wrong department, etc. As a business owner you should be prepared to have SOME cash flow, just for occurrences such as these. I have had accounts miss a payment but when I send the next month's bill, they paid right away. Then again, there were some months when I forgot to send THEIR bill, so fair enough. I have never really been stiffed.

p.s. a contract is only as good as the two people signing it...