Countrywide Loans No heart

[southpennrailroad]

I'll probably regret posting this but

My wife passed away now two months ago on the 15th of February. The loss was very hard but along with this loss was the loss of $800.00 a month in income that my wife made working at the Kinko's copy center in Monroeville, Pa. My son who is now 22 is busy with his new family and I am all alone just as it was two months ago when the wife went on.

I immediatly went about trying to do what I could to get the bills together under my control. Most companies I checked in with from the gas company to house phone were very helpful and actually told me that the bills which were in my wifes name were disolved and that the utilities would be put in my name and start out with 0 balances.

However the one bill I asked for a break with was Countrywide Loans. At first they listened but just after they did an assessment, they decided not to help as they decided the property was not worth being used after just thirty months into the existing loan was being paid for with no late payments ever made on the loan. The property is two houses on one lot. with the front house bringing in the full loan payment. I live in the back house. They never added the front house to the assessment and undervalued the loan.

After this disapointment, I waited a week or two when I decided to check with the vice president of the company. She was nice enough to return my call and actually put the loan officer I was working with on a three way call and instructed him to work this problem out. Now, weeks later nothing was done. Nobody called back. I was told by the Vice Pres to get in touch with her if nothing was done but I think that that was a pacifying show.

A little more of info. The wife took care of all the bills. Yes she asked for some help but it had to be what she wanted. I told her some things that we should do to cut back but that was leading me into some fierce arguments and I knew because of her condition that I had to stay out of them areas. Like if you were really to put your arm in that panthers cage you well better expect to come short an arm. Please don't think I didn't love my wife, I love her dearly and miss her but the past two years was me just trying to make her happy. Little did I know that her thoughts were being effected by the small strokes she was having which were spaced just about every six mounts. Now that she is gone it's my discoveries that she didn't do the taxes last year and the property taxes are now three years behind. I just don't know if I am tearing up because of her being gone or that the mess I'm in is just to hard to take.

Cleaning out the house by myself and working the bills and working and just looking out the back yard and seeing her in every nook and cranny just makes me want to run from this place.

I just had to vent someplace. It hurts!

[Sierrajack]

Southpenn - check your PMs.....

[Miriam C.]

You are probably right about the strokes helping with things not being done and the aggressive defense of territory. This is something I watched my mom go through when my dad died. She had never done the bills and not much shopping. That was his territory.

Give yourself a break and breath. Remember that anger is a part of the grieving process.

The IRS is used to these things coming up and a good ---cheap---tax person can help if the amount is over whelming. If it is not too big save your money and call the IRS for help. Remember that medical bills are deductible.

Call the finance company back. Things happen that are out of peoples control. I bet you know that. Very few people get their finances together quickly after the death of a spouse.

More important---talk to your son. If you can't talk to him about these things---call a minister or Hospice. They will have suggestions that can help. It isn't wrong for a man to get grief counseling. It isn't wrong for you to feel overwhelmed.

Blessings to ya.

[Claw]

Life can become overwhelming.

Your circumstances are very overwhelming to be sure and reaching out to community is one of the best steps one can do in a time of need. Consider the greater community close to your home and look for assistance in locating help from friends or a neighbor if you do not have a minister or a church to call upon. If it is uncomfortable to speak with a friend then consider calling the hospital and simply ask for some help in locating resources to help with your financial and emotional needs.

Be honest as you have here in your post. It is a vunerable situation but recognizing that you need assistance is the first best step to moving through these hard times.

Sir, you will be in my prayers this evening.

[SmokeyBob]

Sorry for your loss. I hope things get better for you.

[oklahomajewel]

I can say I understand some of what you're going thru.... If I was there closer, I'd try to help you out with dealing with some of the paper piles... My mother had Alzheimers and before we really realized it, found the same thing... bills in arrears, taxes not paid, and dad was so angry and stressed , I had to step in and start what they now term the "sandwich generation" ....

I know it's easy to say -- don't get overwhelmed... But just remember to take one thing at a time..

NOt sure what else I could say , but hang in there! We all care about ya !

[Outlaw]

I'm very sorry to hear about your loss. All you can do is take it day by day. It may seem at the moment that things will not get better, but they will, little by little. Hang in there, you have our support!

[dhazard]

Don’t regret posting, if nothing else comes from it you are in my prayers. Please vent anytime you want. Regards Dan

[southpennrailroad]

I just got back in and was afraid that I might get a negative response as I have seen on other post about different subjects but You are all kind and after posting the above post, I thought that I had made a mistake in posting and was afraid to look sooner. You all have caring hearts. So far I have looked back at some situations that I had to travel through these past two months. I have to admit the Lord has provided for my every needs I was needing. Just today I had gone to a customers home and they needed some extra work they were afraid of the unexpected cost it was going to be placed upon them and the customer actually suggested bartering with me and he will do my taxes in return for me fixing his windows at no cost. The Lord is great. He provides.

Also Countrywide has a 0% for one year credit card which I can transfer the 23% card I presently have putting a stop to that cards interest rate. I planned to get that card paid off in one year anyway but was concerned about the interest keeping me pinned down. I might just qualify for that card. Plus I was told I could get points towards the money to use as some of those other cards offer. Even towards the loan principle.

Is this too good to be true? I'll let you know. I have to admit I prayed for such a deal.

Another thing I found out is that presently I am 53 and with my wifes passing (48 years) that at age 60 I would qualify for her SSI. $501.00. That will help. Just seven years to go. Like retiring early I guess. I know I will always have to work but Lord knows that is good news. I would get that until I reach my retirement age.

Thanks all once more! Please keep me in your prayers. Thanks!