Our house in Maine finally went on the auction block, today. At 1pm it was auctioned off, site unseen (the auction took place at an attorney's office some 35 miles north of where the house is located), to the highest bidder.
I've been sitting here for the better part of an hour, wiping away the occasional bitter salty tear, trying to decide if I want to write through all of this or just let it go. Whatever I decide, I only have moments before Gaby gets off of the school bus, and I don't want her to see the tears, because once she sees the tears she'll start asking questions, and once the questions start, they don't stop - especially if someone is upset. Lately she's been fixating on Maine, while ironically, I've been bottling it up inside except for the occasional bursts on Facebook. I don't want Gaby upset because I'm upset, and more-so because of something going on in Maine that shouldn't even be a blip on her radar.
Of course, when no one is home, I crawl into bed, put the pillow over my head, and let the tears fall hot and fast. I cry until I'm either exhausted or sick, until there isn't a tear left to fall. This morning, after trying to get in touch with the attorney who has been advising us in regards to financial matters, and once again getting his voice mail, I threw the phone, as hard as I could, into the fiberglass shower in the bathroom. It didn't make me feel any better, but amazingly, that handset now seems to be working better than it has in a long time. Then, because that was an utterly childish, if not downright moronic thing to do, I sat on the floor and cried.
Gareth and I talked about attending the auction, but then decided that I should go up and attend the auction myself, if I wanted, instead of dragging the entire family up there to go through something unpleasant. At the last minute I decided it wasn't in my best emotional, or physical interests, to go. There's nothing I could have done to prevent it from happening and at the end of the day, I'm not certain the closure I'd hoped for, would have meant much.
Despite going over every single financial decision we made while we were in the house, there's nothing we could have done to change the circumstances. Sure, when Gareth lost his job, I suppose he could have been a "commuting" dad, between Maine and upstate NY - only seeing his daughter on the weekends. However there was no way we could have afforded that sort of arrangement - trying to make the mortgage payment in Maine while Gareth rented a room in NY. So we moved to NY and tried to get the bank to modify the mortgage so that we could rent the house out. The bank said no at each and every turn. We weren't behind yet, because we were idiotically paying the mortgage in Maine and rent in NY, preventing us from staying up to date on any of our other bills (mostly medical and a few credit cards, while keeping our car note up to date, the last thing we needed was to worry about transportation). But then we assumed that at some point, we'd find renters for our recently remodeled and updated home. That never happened.
Eventually we were so financially choked that we stopped paying the mortgage in Maine. None of our modification efforts ever produced results, the bank would not agree to a short sale (we never once got a reason for this, they just wouldn't agree, period, end of story.), and we couldn't find a renter that could afford to rent the home. Ironically it was our own landlord in NY who told us to stop sending bad money after good and consider letting the house go, especially if the bank wasn't doing anything to work with us, and if the programs the government had in place weren't working either.
Our landlord had been through two foreclosures almost a decade earlier. To this day I still think the man lives a charmed life. He came through those foreclosures (I don't know if he ever filed for bankruptcy. I didn't want to ask because it seemed too personal), and now owns a successful business here in NY (his foreclosures took place in Texas), and owns several homes that he rents out, in addition to his own home. We had this conversation almost a year after we had left the house in Maine. However we were still going back to the house each month to make sure everything was safe, clean, and to maintain the yard. One of our neighboring homes had been foreclosed on and we were worried that because they'd neglected their own property that it made ours even more vulnerable to vandalism and burglary, as well as other homes in the neighborhood.
The bank stepped up foreclosure efforts and increased scare tactics. At one point they agreed to a Deed in Lieu of Foreclosure, but then once the process was nearly complete we were informed that the pool of investors that had purchased our mortgage did not accept DILs and we were once again left at a standstill. So, because the bank said it was moving forward with court action, we accepted the offer of a loan from a friend and went back to Maine and emptied what we could get into a rental truck, the rest of our belongings that still remained in the house.
Shortly after that, the bank, in a bizarre twist of fate, agreed to modify the mortgage, not once, but twice. We went through the trial period without any issues, made every payment for each three month trial. We felt a renewed sense of optimism that with the reduced mortgage, we might finally be able to get renters into the house, and then begin to repair the damage that had been done both financially and credit-wise during the long battle to try and get the bank to modify the loan. Then, seemingly out of nowhere, the bank denied a permanent modification of our mortgage.
When the denial happened, several people said we should just go back to Maine and live in the house, rent-free while Gareth rented a room in NY, and bank all the money we should have been paying in rent here in NY or the mortgage in Maine, while we waited out the foreclosure process. That seemed wrong on so many levels. I don't think we personally know anyone who has been in this position that has done that, but I do know that it's happened across the country, hundreds of thousands of times. I know that some people just walk away from their homes and never look back. To us, that's wrong as well. But what could we, should we, have done differently?
Fast forward to today, nearly two years later, two entire years, (almost three years in total since we've lived, full time in the house) and the process has finally come to an end. We were served with papers letting us know the amount we owed the bank, which did not include the six months of mortgage payments we had paid during both trial modification periods, yet the bank still shows as owed, and notified that the home would be sold to the highest bidder, today, October 1, 2012, at a public auction.
Over the past year, I've tried to adopt a more positive approach to life in general. It doesn't always work, but when I really focus my attitude and don't dwell on the things in the past, or the things I can't control, I see amazing results. However, for some reason, I can't let the dark shroud that envelopes the foreclosure of the house . . . I can't seem to shake it off.
In the midst of all of this, we consulted with a bankruptcy attorney and based on the advice we got from him, made the mess we're in, even worse. We're slowly paying bills here and there, and are not altogether sure we're even going to have to file for bankruptcy, although we have no means of paying whatever the deficiency that will remain on the mortgage after the sale proceeds are applied to the outstanding balance.
Realistically I know this is not the end of the world, it just feels a bit like it. I've been sitting here looking at pictures of the house and reminiscing about all the good times, and even some of the bad, that went into making it not just a house, but what made it our home.
So very many memories . . .
Halloween gatherings.
Holidays, bonfires, and get togethers for no other reason than to have fun!
Surprise visits from family and friends.
Some of those surprise visits included games of "Would You Rather . . .?" after enjoying a few glasses of wine.
Sisters kicking back and reading.
I don't think any of us will ever forget the massive kitchen remodel, especially when we attempted to paint the kitchen ourselves. I'm pretty sure it took me a month of Sundays to get all the paint out of my hair!
Everything was such a mess, from taking the old counters off, to measuring for the new counters, to bringing in the first set of new granite counters, which broke, to ultimately being finished with everything and loving it!
I know that time will smooth things over and extinguish some of the pain and guilt I'm feeling. I know the road to moving forward includes more bumps, and we'll get over those as well. Maybe even in time, another house of our own. As always, tomorrow will be a better day. Another chance to write something amazing on the pages that make up the book of my life. A new opportunity to learn from the mistakes of yesterday and springboard into making the dreams of today, realities of tomorrow.
Right now though? Right now I'm treading in the waters of yesterday, remembering what was, what was hoped and dreamed, and what is now someone else's.
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