My posts of late have been very loving and heartfelt, warm and fuzzy you might say. This one I fear, will not be.
Let me be clear when I state, I pride myself on being an understanding and open person. I try not to hold unnecessary grudges, or resentment. There are very few people that have been in my life that if given the chance I would not love to see or speak to ever again. That being said. Let me bring you up to speed on the current DRAMA in the Spillman home.
Eric the boys and I went to a church meeting on Monday. Wonderful meeting and a lot got accomplished. On our way home, we got mail, in the mail was a letter for GMAC Mortgage. We didn't think it was good news (we're not stupid) but we didn't think it could be to terribly horrible, we were current, and have never been late. We were wrong. Ladies and gentlemen welcome to another member of the ever growing housing market statistic. Eric called Tuesday and was informed that our interest only mortgage would be ending, and our payment would be going up. Now you might ask yourself what this has to do with anyone other than us. Well, as many of you know Eric was married previously for several years, while married they purchased several homes and rented them out. When they divorced, all but one of the homes, had been sold, or re-financed. When Eric and I bought our home, we were advised that one of the houses was still in his name. We called Eric's ex and asked her to please handle the situation, she assured us she would. At this point there was no animosity, or anger. Their marriage had ended, as amicable as a marriage can, and they had each moved on. So there was no reason to be untrusting of her. Fast forward to June of '06. Eric comes home and advises me he has been served with legal documents advising him the HOA of the STILL jointly owned home was suing both him and his ex to the tune of $3,000 for nonpayment of HOA fees. We called her immediately as we had thought she re-financed the home as promised, as you can see, she hadn't. So now, we are stuck in a legal battle with her over this home. Come to find out, not only had she not been paying the HOA fees, she also had not been paying the mortgage, and it was close to being in foreclosure. We tried to work it out with her, but the honest truth is, with a small child and a home of our own, we had no desire to be landlords. We racked out brains with what we could do with this home trying to work with the tenant as well as Eric's ex. It was all in vain. Last year she filed bankruptcy which included the home, which at this point had foreclosed.
This leads me to the reason for this post. Eric and I have worked very hard to have the home and lifestyle we currently enjoy. Our boys are getting the best we can offer them. We have spared very little expense when it comes to them (yes I know overly spoiled). We have a wonderful home, we have all the gadgets and goodies we could want, and frankly we have enjoyed it. I am unhappy with Eric's ex, well, unhappy is an understatement. Disgusted would be the word, followed by disappointed. I am disappointed that she was not women enough to come to us and tell us what was happening, knowing it would affect us too. And I am disappointed in our government for punishing good, bill paying law abiding people, or letting the banks do it. If our mortgage payment goes up, we run the risk of losing our home. I realize this is doomsday thinking and does me no good. But it is how I am. One of the horrible drawbacks to be a catastrophic thinker. It's very hard when your future is uncertain, but I know, that no matter what happens we will stand together as a family and we will face whatever obstacles with strength, perseverance and mostly LOVE. Thanks for listening.
