From Middle Class to Poverty to Homeless

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What happens when you lose your home

I am writing this as I sit in a half empty house, scratches and bruises over my hands, raw from work they aren't used to, a body that is sore and a mind that is tired. My home was sold, foreclosed 2 weeks ago, and I have to move.

Two weeks ago I walked outside and found a notice taped to my garage. "What was that" I thought as I walked over to look. A notice, stating my house had been sold and I had 3 days to move!

Angry and bewildered I called the bank.. They were supposedly "working with me" and I had no notice from them or anyone else that my house was going up for sale. The servicing company said I had to talk to the attorneys, and the attorney said I had to talk to the bank. The bank said I had to talk to the new Real Estate Agent.

I asked why I was never notified, and the answer I got shocked me. They said I was notified back in April of last year, and because my payment was 8 days late they " put it back into foreclosure and didn't need to notify me again!"

Buying my Home and losing it 13 years later

From Middle Class to Homeless

credit problems

I remember the day I bought this home, in May of 1997 three weeks before I went into the Peace Corps. This was the first home that would be mine. I remember sitting on the front stoop (steps) at 2:30 in the morning listening to the birds, looking at all the flowers, and feeling such a wave of fulfillment washing over me that for once in my life something would be mine. This was to be my home when I came back from the Peace Corps. Not a rental, but my home. One where this time all the love and work put into it wouldn't be lost when I moved, it would be mine. Mine. Those were the feelings I had as I sat on the stoop letting them wash over me, listening to the birds. My birds, in my trees, at my house.

That was then and this is now. Thirteen years later it is too cold to sit on the stoop, so I am sitting in the only chair left looking around, getting ready to start another long emotionless day of moving trying to silence the voices of those that said "why should I rent to you, you are a credit risk." The tears that fall silently as I type this, and look at my poor dog that has no idea why his couch is not there for him, nor why I don't want to play. He doesn't understand and I cannot explain.

My struggles began around the middle of 2007. At the time I had 2 successful Real Estate Offices with a few agents in each one. I never wanted to be a big company, just one that everyone could earn a decent living in a decent environment. One office served the desert and the other office was for people that wanted to live at the River. Everyone was doing well, but I could see that sales were way down but the bills didn't change. I had some hard decisions to make, and decided to close one of the offices. In retrospect I should have closed it sooner. Anyway, as it turned out both offices were closed by the end of 2007, and I started working out of my home.

If I thought that was bad, 2008 was worse, and 2009 wasn't much better. Odd jobs here and there were all I could do as my town didn't have any jobs available. My old Real Estate Brokerage closed down also, and many others were in similar situations. The word recession might as well have been depression as that is how it was around here. My life had become as depressing as the economy, and every day, every hour was one of struggling to survive and keep my house.

I am tired now, and decided to stop fighting, so here I am moving. I have no idea how things will work out, but I know they will. I was very lucky that this came after I had earned enough money to move, and pay rent. If I was to think how things could be worse, it could have happened in 2008 or almost anywhere in 2009 when I would have been destitute and depressed.

Emotionlessly Packing to Move

Where to begin, what to take when you have to move

foreclosure

It is 7:00 in the morning and I am sitting in the cold shell of my home with bits of my life strewn about waiting to be packed or trashed, looking at the rain clouds out of a curtain-less window, sitting on the only chair I have left, trying not to cry, not to even acknowledge any feelings. it's easier this way. Just pack. Throw away what you cannot use, and take what you can.

Don't look at the doorjamb where your grandkids would line up to see how much they grew, nor the hand prints and names the kids wrote in the new cement on the patio. Don't look at the garden that for years you waited for the cosmos to bloom, and the lilies that brightened up the yard every spring. The garden with the yellow brick road leading to the patio with the outside fireplace and the gazebo for those hot summer evenings. The barn that you bought to make into your own craft studio that cannot be taken, that you were so proud to have earned enough to buy. Don't look, just pack.

Do you think the Banks are doing enough to help people?

I am in Real Estate and I see people every day losing their homes. It's not just the home that is lost. Hopes and dreams and pride of ownership are often lost as well.

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Trying to Survive this Recession

Broken in both Spirit and Finances I tried to survive

I tried to survive, and lost everything I had worked for in the end. These were parts of the story that led up to today. The one on Despair has a poem I wrote one day when I just didn't know what to do anymore. The poem is called "The Dark Intruder" as that really is what despair was to me, an Intruder that overshadowed all optimism.

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Losing Your Home

The emotions that are involved with the loss of a home vary. Some people are happy to move if their home is worth less than they paid, while others fight to save theirs. I fought for 2 years to save mine as it was "my" home.

With the battle now lost it's time to move on, shattered and all, life will work out.

Starting Over

I am in a new home

Today I am writing from my new home. Yes, after a few weeks, I rented a house not far from where I used to live. The landlord said I should feel grateful and that just didn't set right with me for several reasons. If they had given me the house without me paying first, last, and security I might have been grateful. And if I didn't have to do a lot of repairs that too might have made me think differently, but I doubt it.

The grief of losing my home was overwhelming. But I had so much to do that I didn't really deal with these emotions. I just kept working, and trying to sort everything out. It wasn't until after I moved in here, and got things put away that I had time to even let all these emotions come to the surface. Was I a failure? Should I really be grateful when I didn't feel that way? Would I be able to earn enough to make sure I had the rent on time, consistently?

A million thoughts. A million things to dredge up from my subconscious and sort out. All of this had to be done, along with unpacking, before I could actually feel anything akin to grateful. We all deal with grief differently and I knew that I had to deal with it on my terms, and my time line. We are not responsible for our feelings just our behaviors.

Am I grateful? You bet I am!. I am grateful to everyone that commented here, sent me private messages and to those that shared their own stories. I am grateful that today I am sitting here typing this with the sun shining on my desk, in this house, instead of where I might have ended up. I am also very grateful that I was strong enough to not let this break me, or turn my thinking into pessimism instead of optimism.

I had to leave things that I had worked hard for, and I threw away things I had been saving that at the time meant a lot to me. Were they really all that important? Not really. They were just "stuff", and after I got over the initial sense of loss I really don't miss them. I have what's important. Good kids that helped me sort out this new house, and friends, both old and new, that could never know how important their messages of encouragement and support helped me, no matter how much I say thank you.

So, I am starting over. A new beginning to the rest of my life; confident that all will be well no matter how bad it might look at times :)

What woud you do if you lost your home? Comments Welcomed

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  • Reply
    MaryQuinlin Feb 5, 2012 @ 6:28 pm | delete
    I was in tears reading this. My heart hurts for you and I'm saddened that you and so many people are going through this. An unfortunate turn in the road could cause any one of us to be in the same situation, or worse. I'm glad to hear you aren't homeless! Prayers, hugs, and all best wishes for your new journey!!!
  • Reply
    collettehrock Jan 20, 2012 @ 7:20 am | delete
    I am sorry that you have had to go through this experience and I read the comments and it appears to be happening to others as well, there is nothing you can say really, this is just dreadful, the only thing that I can say Kathy and to everybody else is that you are worth more than a house.
  • Reply
    Jane Dec 27, 2011 @ 7:56 pm | delete
    I'm losing my dream home. We only owe 40 % of the appraised value! So, do u think the bank wants to help? No way! Geothermal heat and air, beautiful hand cut stone, my husband and I poured ourselves and all our money into this place before the financial crisis! I trust what God is doing. . .it breaks my heart, but I believe that ultimately ALL things are going to work for "good" in our lives. . .Still, I am human. I have to constantly pray for peace and strength from my Lord. . .mostly strength, because I am tired. I remind myself that my sorrows are very small compared with how others are hurting, that I have no right to complain, I have had it easy compared with 99 per cent of the world, and that I know the "end of the story": Jesus is Lord! God has had mercy on my eternal soul! Thank you for sharing your story. . .I REALLY need to know that other people have "been there". . .
  • Reply
    KathyMcGraw Dec 28, 2011 @ 12:04 pm | delete
    Jane,
    I read your comment and my mind went to my own yard. It wasn't fancy, as I am not a fancy person, but it was very comfortable and had a beautiful walled flower garden, with a little bench where I used to love to sit. I could hear your pain...I know that pain, and I now know that it will ease with time.
    Praying for strength...oh I know that one. The mental strength it takes to deal with this, and trying to keep your head up is tough. You are right that our problems can feel small compared to others, but to us they are huge. And it is us that take these to bed each night, and wake up to them the next day. For me, I couldn't even deal with the emotions any more, I just had to do the work involved with moving. And even today I am still trying to make somewhere else "my home" with 90% of what I took still packed, but I'm getting there :)

    Best to you...and just keep in mind you aren't alone. If you need to come back here where it's safe...no one knows you, and share your emotions, that's fine too :)
  • Reply
    tammi pope Nov 30, 2011 @ 12:54 pm | delete
    I went looking for someone who is going through what I am with losing my home. Thanks, your story was comforting, but ripped open the last thread holding my tears. I won't see my grandkids either running through my door, and I wonder what kind of landlord will take my 5 pets(they probably won't) my kids won't finish growing up in the home we loved and laughed and cried and fought in the last 8 years. My heart is broken. I love my house. It was my dream home. The worst part is we always tried to pay,but when our pay reduced by 60% because of the economy,the bank wouldn't work with us. Our interest rate is 14%!we asked if they could just lower it to 6 so we could stay but they won't. Now we've racked up 40,000.00 in interest and fees. The only way out is bankruptcy (hopefully) . What's really ironic is I'm a foreclosure paralegal so I get so see first hand how bad the banks really are. Anyway, thanks for reading. It helps to write about it. I wish you well. Tammi
  • Reply
    KathyMcGraw Dec 28, 2011 @ 11:56 am | delete
    Tammy...I am so sorry I didn't reply earlier. Sometimes it's a lot of effort to come back to this and be reminded of all the pain, and loss. You said you are a foreclosure paralegal, so yes, you know how bad the banks are. With all the subsidies they got you would have thought they would actually help people, but no that's not the case. I was only behind about $5,000. A small amount when you think about it, but a huge amount when your income dries up.
    The one good thing about bankruptcy is it stops the foreclosure process...or puts it on hold, not sure which. And if there is any justice....you can work something out to keep your home. Whatever happens my heart is with you.
  • Reply
    dezarey Nov 21, 2011 @ 8:45 pm | delete
    Losing my home after 26 years,raised my daughter on my own, was sick and now disabled,I can not put into words the emotions, there is pain in the tears and overwhelming sadness in my heart. Everything I worked for and no place to go. Where will I find the security to sleep at night? They got paid every month for years and now they want my equity too! American General thanks for nothing!
  • Reply
    KathyMcGraw Dec 28, 2011 @ 11:49 am | delete
    I hope you found a place and that you have started healing. I struggled tremendously to get over the loss and find a place. Today is brighter though, tough but brighter.
  • Reply
    Frischy Sep 6, 2011 @ 12:54 pm | delete
    I am so sorry for your loss, and grateful to you for sharing your story. I have worked so hard to keep this house, and I don't know if it was the right thing to do. I always paid my mortgage first and did without other things. Some of those other things were important too, and now it is too late to go back and make changes. Yes, we have had the stability of being able to stay in our home (until now... I have learned nothing is certain), but it came at a price. Maybe I should have cut my losses and walked away years ago. Not sure I made the right decision, although it seemed best at the time. Sometimes there can be a tremendous benefit in having the flexibility of renting. I hope your newfound freedom brings you many benefits.
  • Reply
    bolillie Jun 19, 2011 @ 4:12 am | delete
    Thank you for sharing this transparent story that so many people can relate to. I have a friend facing the foreclosure of her dream home that they have paid on faithfully for 18 years until her husband lost his job a couple of years ago. The bank, the one they made all those faithful payments to, is doing nothing to help. They had to contact elected officials to get anywhere and the outcome is still up in the air. So sad for you, for them, and for so many others.
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KathyMcGraw

Down to earth person that has many likes and interests including traveling and photography.

Many of my articles are on my passion for Native American...
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