Foreclosure is one of the hardest things that a person can be introduced to. It can make a person or break a person, but for me it made me so much stronger. I can truly say I have accomplished much more since getting out of a foreclosure scam at a very young age of 16. Throughout that hard time I just continued to not only motivate myself, but my mother because I understand getting something taken away from you that you have worked hard for can destroy a good person. This is what happened to my family and I, and what we did to overcome it.
April 1, 2007 we got the phone call stating we had finally been approved to move into our first family home after 13 years. We were so ecstatic that we immediately started packing that very night. The week before, we got the keys and walked around every day as a family praying on the steps of the home that we would be able to get it. That house was our dream come true and it was the first house I can remember living in. The first month of moving in we did nothing but pray about how thankful we were that we were able to not only afford the house but also be chosen as the owner…well renter. That is where our problems arose from. We did not own this beautiful house and because we were first home buyers we were put into a lease, to rent to own. Our lease stated after 2 years we would have paid the full amount for the house and would be able to own it. We did all the right things: paid all our bills on time, kept the house spotless, kept good talking grounds with the owner, and treated the house like it was ours. We planted flowers and trees and had the grass cut every 2 weeks. We loved that house and had nothing but high hopes. We felt as though we had just been given a new lease on life. 5 mont...
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...n mine, you don’t want to blame anyone for it. The best thing to do is to just look forward. And don’t hold grudges because holding grudges only hurts you. You are the person who has to remember you are holding a grudge not the person who helped you into the situation you are in. By holding a grudge you only give that person control over your mind.
You won’t always win getting your home back in your custody, but if you follow these directions above you will receive something even greater. Your family and you will have a stronger bond because you have accomplished working together. You will intertwine these steps into your everyday life making yourself a better person. My family and I lost that home but as one door closes another door opens. We were put on another path to a even better scam free home which we appreciate even more. And our bond is closer than ever.
According to Kroger (2007) Foreclosures are set in their values and commitments that they learned from their parents and family without any attempts to find a different path (p. 64). Mary Ann has been immersed in her family of males since the age of three. They were farmers in Georgia, and they were farmers in Minnesota. Mary Ann was taught about hard farm labor, poor hygiene, and sex by her father and brothers. Being a little girl with no mother around a pack of men, her father and four older brothers, she only knew the farmer 's life and the ways of men. She’s dreamt about doing other things with her life and pursuing better things than the four walls of that pink and purple mobile home she’s grown up in and continues to live in currently, but because she is so set in her identity she refuses to change. When Guy offered to help Mary Ann move away from Flatwater and the awful job at the potato factory, for a mere moment excitement danced across her eyes but then she pulled herself back in and adamantly refused help, stating she moved around too much as a child and would never move her children, not even once, despite it meaning a possible better life and future for them. Guy then offered to give her money to buy a better home there in Flatwater, again she refuses, even when he offers it as a loan for her to payback. She screams at
After long meditation on the topic of “if I was allotted $150,000 for a distressed real estate purchase”, the first thing that came to mind was to get my home out of foreclosure. However, I quickly rebuked that thought from my mind, because the only thing that breaks my heart more than the thought of losing my own home, is the realization that many young men and women like myself have already fallen prey to foreclosure; I can only imagine the sorrow and the pain felt with watching you and your family being put out of the one place where you find safety and peace.
Every collapse offers new opportunities to rebuild with a new vision, but it’s up to individuals to take the right risks and the right sacrifices to transform a distressed piece of real estate into a progressive model for community development. While many see the current situation of real estate as an opportunity to purchase undervalued pieces of property as investments, I see the opportunity to become part of social and agricultural movements that have the capacity to thrive under current conditions. Urban farming and community coordination are both aspects of an environmentally sustainable society that ensures maximum returns on investment from financial and personal satisfaction perspectives alike. But before I come off as a complete idealist, I should assert that while heart and the right intentions are great, an investor needs to have a sound business plan, and a potential community action leader must have the right approach. With this in mind, if I were to acquire $150,000 in cash to be used specifically for a distressed real estate purchase, I would buy urban property in Detroit with the intent of making my new properties part of the growing movement of community supported urban farming.
After about a year, his roommate moved out and I had to pick up the remaining $600.00 which was very hard to do. I was able to make the payments for about 3 years but then I could no longer afford it. I was in the middle of a modification with Wells Fargo, they had all of my paperwork, I was npv positive. They denied me on Tuesday and foreclosed on Wednesday!! Which now is illegal per CA HBOR. The realtor who came to evict my brother lied to him. He came to the home at 9:30pm and told my brother that he had to move. This was untrue. He had only purchased the home he had not evicted my brother. My intentions were to fight the foreclosure, but the realtor offered my (learning disabled) brother $3,000.00 to move out now. Which is my brother were not diabled he might have thought, If I have to move out, why are you paying me. Anyway, this home was supposed to make sure my brother was never homeless. Now he has no home and of course has spent the $3,000.00.
Foreclosure in America has been a rising and prominent problem recently, and has destroyed many Americans hopes and dreams. Over 2.3 million homes were foreclosed in 2008, and an estimated four million homes will be foreclosed by the end of this year. Despite the efforts of many banks and lending companies, over half of homes will foreclose that have received their help. I believe that we have only started in the right direction in solving the foreclosure crisis. Giving money and lowering mortgage rates will help, but I believe we should find out why Americans are in this situation in the first place. We are being too stereotypical when we think the only reason someone is foreclosing is because of irresponsible payments or buying a home out of a person’s capabilities to pay for it. If we understand their situation, we will be better enabled to help and solve their crisis.
At the end of my junior year of high school, I was on cloud 9 entering my senior year, getting my license, going to prom, and other school events. But as they say, everything great comes to an end and on May 4th My mom kicked me out over disagreeing with me on medical care choices. Throughout the next week, authorities and DCF got involved. By May 8th DCF sent me into emergency custody and removed from the family and home I had known and grown comfortable with for 17 years. I had scarcely any clothes or hygiene products. For the first night DCF placed into
In the United States we face many issues such as poverty, death, health, and many others. But the issue that is currently effecting society the most is foreclosure. What is foreclosure? How has it effected society?. The definition of foreclosure is a legal or professional proceeding held by a lien holder which is a court order termination of equitable right of redemption amongst housing properties. Foreclosure has not just effected us financially, but has effected society physically.
There was an escalation in fear in the years leading up to the Christmas we spent in Indiana. My mom tried her best to shield us from the reality of her marriage, but closed doors can only muffle so much. Instead of driving to a hospital, mom navigated through the snow to the Wal-Mart to buy gauze bandages and a sling. You never forget the feeling of helplessness that burns the pit of your stomach as you watch your mom use a Walmart bathroom to cover her bruising under concealer and hide her swelling arm back inside her coat.
My first car was brought at an auction in Pascagoula, Mississippi in February 2000. My father and I didn’t have much of abound while I was growing up in Mobile, AL. He was in the Army and I was raised by my Mother with my two sisters. When I was in High School, my mother had a massive drug overdose. She had taken three different prescription’s drugs she was taken, at the time I was helping take care of my Grandmother at her house. My younger sister was at the home with mother along and my older sister graduated from high school living in another city. My father was out the military at the time doing active Reserve duties; he would take me to my mother’s house in the mornings for school. My Sister walked in the room and discover mother in bed not breathing. She left home and ran up the highway to use pay phone to call 911. My mother made it to hospital just in time to make it and the State granted custody of my sister and me to my father.
She let my mom and I stay there until the police arrived. The police told us we should move into "Woman Space" and stay there until we had enough money up to move away from the crazy lunatic. Woman Space is where abused women go to seek help and shelter for themselves and their children. As we were packing our things all I could think have been, "This is God telling us this is the perfect way out of this
About a quarter of the way through packing he came, claiming he felt sick and could not work. When he saw what we were doing, he became extremely angry, yelling at my mom, threatening to through us down a flight of stairs, off the deck, which was nine feet off the ground. At one point, we had to call the cops, so that they could safely escort us off the property. A report was filed and we moved into an apartment with the help of some friends. A few days later, we called him asking if we could come pick up the rest of our clothes and dressers, he said it was alright with him, but as we knew he might be there, we called the local police to let them know we were going to the house to pick up the rest of our stuff. My boyfriend and his best friend helped us as the dressers were too heavy for my Mom and I. Later that night we got a call from the police station asking for us to come down. My mom’s ex had called the cops to file a complaint of theft and trespassing on my boyfriend and his friend, claiming they had stolen his guns. The guns he claimed were stolen had actually been confiscated by the police the day we
I had a double mastectomy and while I recovered from surgery he packed half of the house and moved. During chemotherapy treatment I had to hire a divorce lawyer, and a real estate agent. We took a major hit on the sale of the property because home prices plummeted, we just about broke even (I invested $125,000 into that house). If I didn’t sell the condo, my 6-year old little girl and I could have lived there, instead we moved in with a friend, and eventually rented an apartment. While living at the rental, we arrived at home one night to find that we had a total loss fire, our 2 dogs died and everything we owned was
Then Child Protective Services were involved and they decided that until their investigation was complete the baby could not be alone with his parents. Our two options were the baby either lived with another family member or someone over the age of eighteen stayed in my brother’s house. Being the tight knit family that we are, we all offered our support. Seeing as there was no other choice, we decided that the baby would be best placed in the care of my parents, but we understood that my brother and his wife could not bare to part with their son, so we invited them to stay at our house while things cleared up. I gave up my room in order for them to have an area to sleep, I didn 't mind, I just stayed in my sisters bedroom. The problem was that everyone in the house was working, including myself and someone over the age of eighteen had to be with the baby at all times. And I decided I needed to stop working, and that I would help to take care of the baby during the day when everyone was at work. Now, because I was only seventeen I needed one other adult with me, so my aunt stayed as well, her being a little older and not having the ability to keep up with a child, I
People are not perfect and everyone has made a mistake – more than once. If things go wrong, it’s a human reaction to start looking around blaming someone else. The boss was a jerk or the husband is a lazy bum; these are all too easy emotions to feel. But the truth is blaming others won’t change things, even if the circumstances were down to their actions. You are only hurting yourself and keeping yourself stuck in the moment by blaming and seething.
We left our house key to one of our cousin but they had made a duplicate key. So it is very obvious that they had made this game plan very earlier. Do you know guys what he did after that, he filed for divorce and wanted to get rid of me in his life. I pleaded him million times and begged him to stop for divorce. Several times I sent him emails but later I figured out that my emails will directly go to the trash folder. How painful was that for me to know? The man I love most in the world has so much hatred towards me. The divorce case is still going on and the most disgusting thing is that the amount of loan I paid for his school tuition –he is not willing to pay back. See what else i can expect from him more in the divorce settlement. Now I learned a lesson, do not trust anyone and do not believe in promises because those things can be broken without any hesitation and feeling of guilty. Now that devil is living a good and happy life and I am the one who is suffering