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Success, Failure...some of my greatest failures have been a springboard to my greatest successes...the terms are truly fluid.

Monday, September 28, 2009

New Bike...

Speed Demon on the loose......

Wells Fargo and Bank of America

If you are negotiating with a bank and or either of these banks to modify your loans I have some personal advice to give. This is not of course legal advice, just personal advice.
Don't trust anything they say. Get everything in writing and EVEN THEN don't assume you are dealing with a person who might stand behind what they say.

Both banks are seemingly in cohoots with one another and making out financially from this modification mess and the foreclosure crisis and they are actually probably legally obligated to make a profit for their shareholders (which I guess is in part us now). So from their perspective they will make sure that in the end they wind up with the property and they have a "sister" bank buy it at an aggreeable price to prevent a loss on paper.

We were told by our modification people at BofA that they would negotiatie with us if no one bought the house at auction.

No one showed up at the advertised time of auction or even the push off dates by BofA. So when we missed the third one we were sure that they would have no buyers, especially after the auctioneer told us that no one shows up at auctions anymore and we were the first people he had seen.

And it wasn't easy to figure out that Wells had purchased our home. It wasn't through the sheriff's dept when we called to see if anyone had actually started proceedings of eviction. They felt we had title to the house. Manny's phones calls to the courthouse and title company also confirmed that Manny was the sole owner of the home. It wasn't until Manny found a very helpful woman at the County Clerk's office that eventually we found out that Wells Fargo had filed a claim to the property.

So here are the key points anyone negotiating with these ruthless beasts needs to know:

-They are going to do what they can to make a profit on you. (Don't pay a last minute $3000 extortion fee, they told us it goes towards nothing and wont save the house really or stop the paperwork.)

-They will probably not be able to coordinate anything between the arm that conducts the modifications and the arm that auctions off the house. The lawyer side apparently has no actual contact method with the banking side that negotiates the loan. Amazingly they contacted one another immediately to stop the proceedings on the modification though when they had sold it to Wells in a shady underhanded deal that did not occur on the courthouse steps as all auctions are supposed to. Therefore don't trust communications with your bank.

-Don't let the bank lull you into believing that the whole thing will work out so long that you run out of time to declare bankruptcy. That was what got us. Within days the bank sent out a skanky realtor who bullied and lied to us to get us out immediately. They promised cash for keys on this date and then held money for 5 days following even though we had a signed contract.

Something else to consider. Manny had the kind of a loan mod going where he was promising to pay all back mortgage payments at the end of the loan and did not request anything lower than the original agreement. He turned in all the paperwork immediately and did everything they asked of him. He even promised to start payments on the first of the month as soon as he received his paperwork saying the modification was complete.

If you aren't promising to pay back the past late payments, and you are not starting ASAP, how can you assume you will make out better? You see what I am saying is this- we were the bank's best case scenario and it was still a better financial deal to play with us and keep the house in the end. Are you going to make out better? Can you devote hours a day to phone calls to try to make the deal work likeManny did? He was professional, calm and rather together. If he couldn't get a fair deal how are the myriads of people who lost their jobs, are scared out of their minds, have no money or are trying to negotiate down the mortgage going to be treated by these scoundrels? BTW I have found a lovely series of sites devoted to helping ferret out the truth in this matter. "Wells Fargo Sucks" and "Bank of America Sucks" also have our story. I also sent a comparable letter to The White House calling for an investigation into this matter. Let's ban together and protect others from losing it all. Changes are on the horizon, let's make them now.


Caught something yuckie...been playing it low key. Got a haircut today and yesterday we went for a ride after I spent the whole day working on PoliSci or laying arounnd with a blanket on the went for a ride that evening. While gone, Manny stopped at the casino and won enough money (he actually always seems to win) to surprise Spencer with a present this morning.

Spencer got a new bike....he hasn't had one that fit in a long time!!! I will try to post a picture later today.....

Wednesday, September 23, 2009


When did James Bond become an actor younger then me? EEEk!!


I made money. Thank you, anyone who is reading this, I deeply appreciate you! I had 82 clicks in one day and I got paid handsomely for it by my standards....(which frankly aren't all that high-any of you probably would laugh at the amount I am excited about!)....

I also have to admit on an unrelated note, that I have written the White House, and some sites about the manipulations about my foreclosure and non remodification loan experiences.

I can tell more details but I am not sure who is reading my blog and what you are interested in.

I plan on writing down as many details as I can to help others who are also about to get screwed out of their homes by both Wells Fargo and Bank of America.

I am a very upbeat, happy person but I feel that some shady business is going on with the loan remodifications and I can help you wiht my information if you are making any decisions to believe either of these not-so-positive institutions.

I will write these down in the next couple of days...but for now I have to go play with paper airplanes with my 8 year old....priorities...I always remember what is important...

And I can promise you that any money I earn from your readings.....are going to be used for the enjoyment of my family....I won't be practical or sensible...the soonest I can I promise to go and play!!!!

I hope all of you get to do the same..even if you are the execs who clearly gave us the impression that the loan modification was going to go through and we were not going to lose the house....and that we didn't need to worry about declaring bankruptcy until it was too late to file....everyone deserves the chance to play...

Start the day with a Train...

Spencer had a nightmare last when he popped awake he was surprised to find that he was close to both Manny and I. The first thing out of his mouth was, "Mom, why don't we go for a walk?"

So we got the dog's leashes and headed out for a walk.

And when we were about a mile away...we found that we could see the the train headlight. Now if there is one thingI am "into" is trains...and I know it is my dad's fault. Since I was a very little girl, I knew the thrill of how loud a train is when you are close to the side as it flies assuredly along the tracks. My sister and I were indected with my father's love of history and his love of history definitely included trains. We spent so much of my childhood at train tracks all along the western coast line that I still to this day have an overwhelming sense of calm when I hear an engine's honk as it warns driver's of its coming.

One of the best things about living here is the sound of all times of the day and night....but it is not a is a calming steady the sound of the geese flying overhead in the spring and the fall....

Anyway when Spencer spotted the train...well, I had to say I wanted to wait for it. I sensed it was loading a short distance away. We got off the tracks and I put my erratic dogs on leashes and we sat around and counted in Chinese, Japanese, Italian and Spanish...Spencer was quite good at that...and the train honked to let us know it was on the move.

And we sat close to one another. Even the dogs stayed close as we were within 10 feet of a noisy clack clack of a Amtrak making its way above Klamath Falls on the map.

Spencer was thrilled with the loudness and his awe was shared by both the dogs and myself.

It has been a rough month and a half but....there are moments of peace and serenity whether I ask for htem or not. I guess the trick is to focus on the good stuff instead of droning on and on about the bad....

Tuesday, September 22, 2009

New House...Again...

Spencer and I are having our first drum lesson...yeah...I found it on YouTube wow....experts abound...and I learned so much...and I am getting Spencer to do Chinese lessons with me on Active Chinese a really cool spot while I also learn how to read Japanese with Spencer...we also learned to count in Japanese yesterday to a rock and rap song...believe it or not I already knew how to write since it is written the same as Chinese but the words are different...roku nanna actually is 6 and rhythms are working themselves out...

Monday, September 14, 2009

Aside From Moving....

I have a few hours left to research and write a report on the IMF and turn it in by 12:00 pm!! I am starting now....

another day another house....

We are taking loads over to t he other house and appreciating the differences...this one is many colors inside...that one is off white and all one color. They both have that nice personality of a Victorian, china cabinets and weird angles and old doors with crazy cool old knobs....the new one has a bit of the feel of a home that has not had an owner who lived in it for a bit.

Today we went out to the hardware store and bought new light fixtures and checked out the ceiling fans and appliances. We already changed a few and bought a new glass part for more then one.

Everything is moved over except big ticket items like couches and armoires and beds.

Tomorrow we pick up the UHaul and finish the job.

Sunday, September 13, 2009


So the house we are moving into is a nice older home but we are upgrading everything we can. We put in 4 ceiling fans today and are installing all kinds of hooks for hanging stuff around. We also put in a fresh new shower hanger over the luxurious claw foot tub. In the last month I have become rather addicted to the large clawfoot and luckily we found ourselves with a new place that has curtain that I threw together to soften and lend some privacy looks really nice in the new bathroom too.

Not alot of loads moved today but I feel good about the way it is shaping up...and

Gordonn came up to visit and help us move...Spencer is so jazzed to have dad around.He introduced him to his friends. And Manny and I are relievd to have the help before we move the Big Ticket items.....

Thursday, September 10, 2009

Moving Again...but ready and rarin'

We had an incredibly stressful week and a half. Just when everything felt like it was calming down..we suddenly had to find new housing or research what our rights were up here in the foreign land of Oregon.

According to the laws (Chapter 90 and 105) I was able to verify that we are indeed tenants in the eyes of the law now that BofA sold our home to Wells Fargo and has decided to cut off all negotiations.

Coincidently they sent out a realtor whotold us we had a couple of weeks before she was showing up at our home with a sheriff and kicking us out.

We called the sheriff's office knowing that they have to file something with them to get them to come out and they told us there are no papers filed with them or Klamath county.


In the meantime we researched the area and found tons of affordable places to live. So we started working out the details.

We found a 3 bedroom Victorian by Klamath River about a block and a half away with a huge fenced back yard and lovely overgrown plants and flowers beds with dead grass. The rooms look pretty wild and it needs lots of paint and a door needs replacing, but we think we can improve it ASAP.

We also were excited that Manny has applied all over in this last week at the jobs he is interested in working. He wants to be a drug and alcohol counselor, coach and teacher, and is also interested in his usual niche of law enforcement.

His first interview is Monday. We figure we can pay back our last landlords soon if he gets a full time position andit is neat that the cheqapest one we looked at is the one we seem to have gotten. This house is $595 a month. In this case we are doing alot of work and upgrading of stuff the first few weeks since it was trashed by the last tenants a year ago and has been sitting vacant for at least 6 months.

Sweeping, cleaning and planting is well worth it. And here it is common for the landlords to wave first and last and deposits if hte new tenants help with cleanup of the last renters.

Today we went to Crater Lake to release some of the stress and it sure worked. It was much more relaxing to settle in when we got home.

And now I am getting the fact that "home" is where Manny, Spencer and my pets are....
I know wecando Greece and Italy easy now....home is where we are...just wish I could get Gordon to move close to be able to see Spencer at least a few times a week...but that is just a fantasy....I felt that after G and I broke up the best case scenario would be to all stick know keep the family all together. But now I get that it is about seeing each other when we can and "keeping up" with one another.

Thanks to the computer "home" is wherever we are that has a computer connection...

Tuesday, September 8, 2009

Moving Again....

The bottom line turned out to be that BofA was offered everything they wanted. We said we would pay the whole loan, just take the months we had not paid and put it on the end and that we would allow the amount of the original payment $600 a month to be deducted from a retirement program that would be a guarantee.

BofA played us until they sold it. They teased us with the idea that we were being considered for a plan, but in the end it was easiest to sell the property to themselves. We did not ask for a refiguring downward on the payment that if we had been able to get BofA to consider according to the gov website would have broughtour payment down to $200 a month.

But looking at this from BofA's point of view, why should they have enough people manning the phones (we waited for hours at a time to speak to people who rarely answered any of our questions) and even bother to keep people in the houses? Isn't it better business sense to just ignore us with endless shuntings between Conveyance Company and BofA loan mortgage people? I mean this whole set up does not make sense. What incentive does BofA have to have enough people manning the loan lines? Why hsould they even think of letting go of their money now tha it is in their company's paws?

So I find myself losing another house in a 13 month period. And at first I believed that I was thestupid person who made the mistakes. But I have watched Manny do all the right things and lose it anyway.

My advice if you are dealing with a bank over your foreclosure:

Well, I gave my mortgage co all the money they asked and I still lost it as the money disappeared on the books somewhere and did nothing to bring down the amount I owed.

With Manny, I wouldn't let him pay a dime, and thank Goodness!! He could have begged and borrowed and still been in the same boat that I wound up in.

At least this time I get to feel like I wasn't duped into paying for my foreclosure.

And now we are moving again in less then a month.

One place has the rent of $595 a month. WOW, that is really cheap.

Friday, September 4, 2009

And it just keeps gettin' better and better...

So today we were a bit startled by how much we really liked the people of Eugene yesteray. It was a 3 hour drive in some stunning territory. You know the kind that makes it so you get bored with going, "Oh" and "ah"...and just start talking sinc ethe vistas are too awesome.

When we got there we visited a relative of Manny's. She was a beautiful blond who got us tickets to the last game in the old stadium of the minor league Ems team that plays there. She was funny, kind and wry with her humor which are my personal favorites in anyone to be honest.

Today we excercised our options by looking at Klamath choices.

First and foremost was the fancy 4 bedroom Victorian here on the end of the block. We had met the owner and had a chat with the practical man back in July when the same property was for sale not simply for rent. It is fully landscaped and nicely painted aand has the most lovely front porch on the block. We were pretty sure we could move most of the stuff ourselves if we are moving two doors down.

We also found anothe property down the street that has the abillity to hear the train(an odd prerequisite for me now) and we happened to meet the landlord...the house was a sty but it was doable and cleanable as well. After talking to Manny he was also willing ot work with us and it was evenmore affordable then the fancy Victorian was. ALL THE PROPERTY HERE IS AFFORDABLE TO US I get why my dad alwayswanted to retire here...WOW...your dollar goes so much farther here...even on groceries!!

The last property choice we found was a boring cinder block 50's style ranch home on a huge lot of fenced grass with play ground equipment. Spencer loved it but I loved the price!!! My GOD!!! $700 a month?For a house? AM I in heaven?

Today is a New Day....

So here is the truth my dear close family and friends....we were happily hanging around unpacking and waiting for my internet connection...the last link I was waiting for to research the Oregon laws and details of our possible options...when Manny was visited by a realtor. Now I know that the bank's realtor is paid to freak you out and get you out ASAP and they get paid well for the trouble...I know because the realtor I had in Tuolumne County showed up just as I knew he would and tried to delicately intimidate me into submission so he could get it on the market after the auction.

That time I was well armed with info...after all I had been an investor...and I knew the state laws in regards to this matter....and I knew how to manipulate them to my best avenues since I AM NOT the kind of woman to buy into that "Scared Nelly" attitude that kills so many men and women when their housing is threatened.

In California I knew I had to negotiate because either way I had intended to leave the house clean and as well loved as she had always been.

But here in Oregon our connection problems stemmed from many different problems with my account before I had even received connection dates were 8/22 and 8/25 and 8/28 and 9/2. Well now we are having trouble with our modem but since we are not sure if we are going to stay we have to sort of wait rather then use the plan I ordered for help if such problems arose.

The realtor told Manny to expect us to be visited by a sheriff if we were not out ASAP.

After weeks of cleaning and scrubbing and unpacking on the advice of an attorney we are now being forced out. Or we can fight. AndI am not sure that is the best way to spend our time.

So we visited Eugene as a possible plaec to move to for Uof O...where I want to go...and today we visited all the affordable options here in is amazing what one can do....gotta go play with Spencer...we are making a puzzle in a wifi spot within the store here....

Wednesday, September 2, 2009

Nervous Condition....

Every once in awhile it occurs to me how precarious our condition is....and I found myself checking into the huge Victorian for rent just two doors down from our house. So far Bank of Amercia has not been very easy to contact nor have they been consistent. I am just glad that we did not give them any money when they basically tried to extort $3000 out of us two days before our home's first scheduled auction even as they sent us paperwork explaining that we would still recieve our notices from the lawyers representing them. In the end they said their paperwork would take 90 days to process and they auctioned it off in less then 30 days from our initial turning in of all of our documents. Now they are saying that all of it is pretty much hanging on a whim. They had said that if no one else was interested (and we knew since there were no offers in several months of being at the rock bottom price of $75,000 that there is no interest) then they would no one wants to talk or guess at who to contact.

Then I looked into the huge well landscaped Victorian on the end of the block, (easily one of the nicest homes in the neighbrhood) and it is only $1300 a month and has 3 huge garages...and lovely gardens with drip systems and is well painted and has a few bathrooms...I paid more then that for 2 bedrooms in Salinas.

Why do we want this house when we can sign a one year contract and live in this huge mansion, maybe scrounge up a few roommates and live very comfortably...?

We could always make an offer when the bank puts this house on the is supposed to be going on the market for $60,000...I would offer $49,000 and see if that wouldn't be would be better then any deal with Bof A since it would be a straight real estate deal...I think I might go looking for my old investor friends...let's face it...a house that went for $140,000 just 4 years ago...for $49,000...with us offering to stay in it and make payments until it is ours...? I think we could find someone interested in the deal....

Tuesday, September 1, 2009


Connections are complex things...I am connected to this computer right now and I am connected to anyone reading it...for now only family and friends. Spencer is watching his spiderweb change daily as the spider uses different lures to coax in victims...Manny has been explaining the process. It odd watching the connection over a spider grow.

We are reading Ramona and Her Father again and it is funny sicne it is an Oregon story. It is helping me feel a connection.

Yesterday we spent quite a bit of time making connections to the house itself. I made curtains for our huge claw foot bathtub. I have to admit that I am enjoying boiling water. We have to do that because the renters had not paid the gas for over two years so it was shut off in time for us to move in. We will be turning it on in a little while but I must admit that I am not the only one who is impressed by how luxurious it feels to have someone bring in a boiling pot of water to dump into the deep end of the tub while bathing. And it is so homey to have pots steaming on the stove for hours on end while the train whistle blows a ways away in town.

From our location on top of the hill we can hear the high school buzzers incdicating a class end and the elementary school's recess.

I am amazed at how quiet a house in town can be...and how satisfying our life is here without any of our normal lifestyle patterns.

I feel so reminds me of a wise book title about seeking enlightenment, "Chop Wood and Carry Water." Being in a strange place helps me to connect to myself.

Sittin' on my front porch.....

Here I am sitting on my new front porch, stealing someone else's internet connection until mine gets turned on tomorrow (at least that is the lastest promise by Qwest....) and I have to admit that it is another beautiful day in the sttrange and foreign land of Oregon. Manny is watering our plants and plotting out other places to apply....Spencer is done drawing a spiderweb that he and Manny are tracking for changes day to day and I am cutting out felt to create little gnomes for our nature table to represent the Big Kids and Gordon and even Manny's chillin's who aren't talking to him or even asking about his side of things. I figure whether they are open to ever meeting us or not they are family and they will remain in our hearts....I even toyed with creating one for Manny's Ex, who used to be my best friend, but I decided it was better to wait on need to invite bad JuJu (as Austin Powers put it) into the house we have so artfully been making our own....