So the past few weeks have been very stressful for our family. First off me starting a new job and my kids having to get used to me not being home all the time. That is a big adjustment for them and they have don't very well. Second getting served foreclosure papers on our house and being confused and frustrated and a little unsure of everything that was going on with that. Third Joshua's brand new phone breaks and we are told there was not insurance on it and we are out of luck, gotta get a new one. All of this happens in the same week. This was a huge blow to us and didn't quite know how to deal with it.
Finally after days on the phone with our mortgage company we come to find out that they failed to send a cancellation of foreclosure notice to the attorneys who a year ago started the process of foreclosure on our home. Fine I now know we are not loosing our home but it was still in the paper this past week. This will be a little difficult to handle when people start saying things to us about it but like someone has said everyone has "STUFF" in their lives! We are very fortunate to have fixed our problem but we still have to face the consequences of our past. God has taught me that no matter what we are going through, HE is always there for us. All we have to do is trust in him and give him our problems and he will meet our needs!!
We are still trying to figure out the phone issue but we luckily had an old phone Joshua could use for now so we don 't have to pay for another one!
One major praise I have is we just paid off all of our debt we had accept our home and that has been refinanced and we can now pay it off faster! My goal for us is to be totally debt free in 5 years. I truly believe that can happen if we continue to let God have control of our money and lives!
Sunday, February 13, 2011
Tuesday, February 8, 2011
Frustration
The past few years have been quite a roller coaster for our family. Before my husband started working for Jergenson's he worked construction and would get laid off 4-8 months out of the year. Needless to say we were very poor. I did day care and that didn't bring in much money because I didn't have very many full time kids. When Joshua took his job at Jergenson's we were so blessed and very excited that he wouldn't be laid off any more. We had many bills that were past due and in those list of bills was our mortgage payment. We had started to get past due notices and high late charges added to your mortgage. After being 2 months behind the mortgage company decided to not accept payments from us anymore. We had been sending partial payments and everything we could but it just wasn't enough. So after they quit accepting payments we had to come up with the total amount past due and all the late fees which was a very large amount that we did not have. We finally got 6 months behind on our payments while trying to work with our bank to get caught up. Last year after we got our tax returns we paid all of our past due balance and then we refinanced our house through the bank to lower our interest rate and get our payments lower as well.
For the last year we have been doing really well on making our payments and staying up to date. On Friday while I was at work Joshua was served foreclosure papers on our house. Stating that we were $8000 behind and it needed to be paid up or our house will be sold March 30 at 10:00am. He called me in a panic and of course it was a Friday night so there was nothing we could do.
I called the bank on Monday( yesterday) and they told me that those were from a while ago and since we were all paid up now that we are not to worry. I asked them to send me that in writing and certified mail. I have no trust in the banking system and now me and my family will be totally embarrassed when it comes out in the newspaper. NO we are not loosing our house. If you would have asked me that a year ago sure I would have said yes. Now I am just mad, scared, and frustrated.
Jeremiah 29:11 For I know the plans I have for you declares the Lord. Plans to prosper you and not to harm you, Plans for a hope and a future.
I know God is in control but can't I still be mad, scared and frustrated all at the same time?
For the last year we have been doing really well on making our payments and staying up to date. On Friday while I was at work Joshua was served foreclosure papers on our house. Stating that we were $8000 behind and it needed to be paid up or our house will be sold March 30 at 10:00am. He called me in a panic and of course it was a Friday night so there was nothing we could do.
I called the bank on Monday( yesterday) and they told me that those were from a while ago and since we were all paid up now that we are not to worry. I asked them to send me that in writing and certified mail. I have no trust in the banking system and now me and my family will be totally embarrassed when it comes out in the newspaper. NO we are not loosing our house. If you would have asked me that a year ago sure I would have said yes. Now I am just mad, scared, and frustrated.
Jeremiah 29:11 For I know the plans I have for you declares the Lord. Plans to prosper you and not to harm you, Plans for a hope and a future.
I know God is in control but can't I still be mad, scared and frustrated all at the same time?
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