Regarding Blog365, that is. I decided it’s better for me that I don’t blog about the same miserable situation and I’m sure nobody wants to read it over and over either. And frankly, I have nothing else that occupies my mind these days, and so I have nothing. So I’m out of Blog365.
I’m still dizzy. All I did today was to eat and sleep and let the dogs out (and repeat). My whole house needs some serious tidying up, meaning it looks like a pigsty but I have neither the energy nor the inclination. Actually, I don’t seem to possess inclination to do any old thing remotely productive right now. It’s one of those days when I feel like giving up with a “to hell with it!”
Don’t worry. I’ll get better.
I guess all this anxiety over the financial troubles and lack of sleep as a result is getting to me. I woke up early so that I could get to the car dealership by 7:30 when they open the door and be the first one in to get my car serviced and hopefully not have to wait too long. I was feeling as dizzy as I was exhausted when I got up and let the dogs out in order. I still felt dizzy when I made myself comfortable in the waiting room of the dealership. I thought maybe it was the empty stomach because I felt really hungry, so I walked to the nearest diner to get breakfast. That didn’t help, and I drove back, picked up cat food, did grocery shopping, took two naps one after another just interrupted by potty breaks for the dogs. I still feel dizzy whenever I move my head around. What to do…?
I hit the idiot wall again today and yes, it means I called Countrywide home retention department again. This time, the guy told me to get a second job or rent a room of my house. I hung up and called Countrywide refinance department this time. Since the interest rate on my mortgage is low to begin with and since I would have to pay PMI, it seems the payment will not go down at all, but will go up in most cases if I try to refinance at 30 year fixed rate with them.
I have an appointment on Monday with the mortgage broker I’ve been talking to. I have a bad taste in my mouth already about the appointment because their company policy requires people to come in to get the quotes — they would not give me any other information over the phone or fax or email other than that they have an offer for me. I have a feeling I’ll walk out disgusted. It doesn’t look good.
Anyways… Now I have a favor to ask of everybody who reads this. As you know, I need money. No, I’m not asking you to give me money. I just need you to cross lots of fingers and legs and toes, etc for a speedy and hopefully large law suit settlement. Some of you know I’m suing somebody for running the light and crashing into the side of my car, which was being driven by my friend at that time. As a result, I was in physical therapy for several months and had my right shoulder operated on. According to my friend, who sat through the defendant’s deposition because the defendant’s insurance company sued my friend in turn and he had to give deposition after the defendant’s, my lawyer and my friend’s lawyer (actually the lawyer from the insurance company who my car was insured with at that time) were extremely pleasantly shocked that the defendant virtually admitted it was his fault by answering, “I don’t know” to questions such as “Was the light red or green?” and “Which lane were you driving on?” and so on. In any case, everybody thinks I’ll get some money. The question is how much and how soon. My friend asked his lawyer how much she thought I’d get and she answered “maybe about twenty thousand,” but told him that she really didn’t know and not to relay it to me. If I do get about twenty thousand, after my lawyers get their one third, I would have enough to pay off some credit card debts enough to reduce the monthly payment by $300. Of course, I would like it to be much more so that I can get a little bit of breathing room.
So I beg you. Please keep everything crossed and send some good speedy settlement vibes my way.
After spending the better part of Tuesday in tears grieving the loss of 10%, the initial shock and indignation eventually wore off a bit. I calmed down at the end of the day and tried to come up with a plan to get through this and not lose the house. I decided that first, I had to talk to my boss at the client company to see if there is anything he or I could do even though I didn’t think he could do anything much, but that should be the first thing I should do anyway. Second, I would call my mortgage company to work out new terms for the loan. And last but not least I would have to figure out a way to reduce my expenses by several hundred dollars a month.
Since the only thing I could do at that time was to crunch numbers to save my monthly expenses, my brain got some unprecedented hard workout all evening while driving back home, taking the dogs out, holding Brandy, etc. At the end of the night, I came up with ways to reduce my expenses by $300 a month by 1) bringing lunch to work, 2) canceling internet connection at home, 3) limiting the dogs’ food variety to only fowls. I would have to come up with ways to reduce another $300 a month to remain at my current financial state of barely making it.
Having made some plans, I felt a little better and was even able to make some jokes when I talked with a couple of concerned friends over the phone. But sleep didn’t come easily at night. I woke up the next morning with an excruciating headache and feeling I had not slept at all. But I had hopes of some good results from talking to Countrywide, my mortgage company. But after very stressful and frustrating day I came home dejected and distraught.
My boss, as I thought, couldn’t do much understandably. Countrywide, on the other hand, can burn in hell. The stupid idiots that ever walked the earth seem to work at loan modification department, and they seem only to read from “guidelines” of some program after just glancing at my account. I don’t have patience enough, as some of you know, when talking to idiots. This is why my profession deals with computers, not people. I absolutely cannot deal with “talking to” to idiots and you can forget about “negotiating with” idiots.
Today I’ve been busy trying to see if I can find an agency who would negotiate this on my behalf, and at the same time, I’m talking to a mortgage broker to see if I can refinance. The reason I didn’t want to go with refinancing route was that I have piled up a lot of credit card debt resulting from last year’s multitudinous crises with my pets and I thought that it would be much harder. But no harm in looking into this. If anybody knows any reputable agency who can deal with Countrywide idiots on my behalf, please let me know.
The good news is I cried only once today. I’m tired. So very very tired.
Serious Stuff. Seriously
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