I need to share this with you, it has me very frustrated. I had to attend a seminar today that gave information on how to use NACA to help me avoid losing my home due to unfair mortgage practices such as predatory lending and adjustable interest rates.
I wonder sometimes how did I get here? What could I have done differently? First, I could have been more educated on loans and mortgages. I really knew nothing about how they work, and I believe my lender knew this. My mortgage was a no income verification loan. When we got it, we were doing okay financially, however that changed one year due to an illness and a major flare up of my JRA (juvenille rheumatoid arthritis). We had hope eventally we would end up in a better financial position, but we did not. Things had been very tight, robbing Peter to pay Paul.
A little over a year ago, my husband stopped giving me the bank account number so I could send them thier payments when we could afford to pay. I should have put my foot down then, however the church I was attending at the time told me to just pray more, submit more, respect him more and pray about where I was falling short.
I tried to work with the mortgage company but to no avail. I was working, however what I was making wasn't enough to send the payment out of my own check. As of today, I am almost a year behind, I cannot pay them because what I do make at my job barely keeps the lights on and food on the table.
Could I have done more to rectify the situation? Maybe, maybe not. But that is water under the bridge, and while I am doing the best I can right now, it still doesn't seem like enough. His leaving left a wake of carnage in my life, to which he feels no responsibility. I struggle with forgiveness, I have to remind myself everyday that just as I have been forgiven, I also must forgive. How difficult it is though when that carnage is staring you in the face every day.
2 years ago