Damn that Merrill Lynch!

Everyone is in a tizzy lately over the "mortgage meltdown". Did the banks not see this coming? Hell no, they knew it would happen but were too greedy making money to give a damn about the emotional toil that would be thrown about. So here I sit in this sea of hell, feeling completely alone. I know the numbers scream hundreds of thousands are in foreclosure, but where the hell are they? Are you hiding like me under the bed, gourging on pints of Ben and Jerrys. Then throwing them back up because the stress is literally killing you.

We thought we were all set, had a nice plan set up with the bank. Woo-Hoo Loving this, we will be ok. I asked that all paperwork come to me (our daughter was hit by a truck and DH saw the whole thing, he was in no mental shape to handle the paperwork). What did the bank do, they called DH at work. During this "discussion" my husband repeated they needed to contact me. Nope, we just need a signature, that's all. Dh repeated that this needed to come to me. It's just a signature, we simply need to know that you are aware and agreeable to your wife setting up this plan. That's all. So they fax it to him and call him as he is getting it, and speak with him urging him to fax this back to them quickly....so they can contact me and get everything finalized. I, not aware all of this is going on, make the payment I was told I had to make.....50% of what we are behind including atty fees.

A week later my cell phone rings and a lady asks for my husband. I ask what this is about and she says it is about an appointment. I pass it over and head off into the local grocery store. I come out to my husband screaming "I didn't sign that, that's not what I was told". I snatch the phone away and it is the bank. This lousy rotten.....lied to me about why she was calling!! Turns out what dh signed was papers stating the money would be there the day before the papers were even FAXED TO HIM!

Now I know before you even get started, he should have read what he was signing. BUT this bank had been told he was under doctors care and could not (READ COULD NOT) handle this matter. They were told at least 3 times, once in writing that I would be the one to handle all of this! They didn't listen and I feel this was done intentionally......what the hell are my options now.

The legal department for the bank won't return my phone calls. I can not afford an attorney, but I can't believe what they did! They were told DH was under doctors care and COULD NOT handle this situation. They never stated this was a problem. They are sending my money back to me five days after they recieved it. I feel like if you were going to keep it, it should have been returned the same day, not 5 (working) days later!

So while congress burns the midnight oil hoping to bail out the banks, that made billions off the people they are now foreclosing on, I get to beg, pray, call into being...etc a new mortgage. Pray with me, pray for me, and I pray you don't ever have to go through this hell.

Fighting With Both Hands Tied

I am not a fan of fights, they just simply do not appeal to me. I watched once and wondered why the losing party would remain in the ring. You can feel the damage to a fighters body, those violent punches that throw them in a different direction. Why don't they chose another profession? Is it just the money or fame, is it the primal violence they enjoy, or is it some deeper appreciation for the survival instinct?
Perhaps it is deeper as I am finding. I believe each person on this planet is involved in a fight, a life or death struggle that in the end only death will win.

I discover how strong I am when I am in the midst of a fight. My current fight is one with many opponents, let me count they ways:
1. Foreclosure (gotta love when your mortgage goes from $426 to $1086 in four years)
2. Spouse's Disability (Thank you US Army, love those Anthrax vacc's.)
3. Town I reside in (Husband qualifies for Tax exemption town says "We never got
paperwork" -- Yeah I look that stupid!)
4. Depression (Did you not see the above)
5. And could someone please tell me what is wrong with the following 2 lines:
A. A police officer can run your tag because it is a "slow night" and pull you over because
they thought "someone else could be driving".
B. The police dispatcher can refuse to provide assistance when you have someone refusing
to leave your personal home property, even after telling them you feel threatened.

There I have laid bare my soul, please try not to pick too much of it apart.