Help Me!

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.