Hey All...So far I've managed the phone calls pretty well..We have been trying for a loan mod with our mortgage lender, but are not holding our breath (would have passed out long ago). We are almost 98% certain at this point that we will have to lose our home in this mess, too many reasons to let it go, not enough--other than emotional ones of course--to keep. We made the decision in May, and now June, to not make the payments, to keep the $$ aside for moving costs, just in case. Ok, so we've been getting the daily phone calls, blah blah..but they've been mild enough. We tell them the same thing over and over, that we are waiting to hear from the other dept. Well, this "gentleman" called a little earlier, and was the first time I've gotten to tears over a call. I told him basically the same thing, and that if we can't work anything out we will be forced to go into foreclosure (we are not mentioning the bk as of yet). He proceeded to belittle me, tell me "this is no laughing matter" because I had a nervous laugh in my voice when I was trying to explain things to him. He kept asking me why we've gotten so behind, and that this was "ruining our credit more and more every day" --to which I DID laugh and said, sir, that is the LEAST important thing to me at this point. I was so frustrated, and he told me that if we didn't make the payments, that we couldn't get the loan mod, and I told him, well, if we can't get the loan mod, then we can't get the payments current, so I guess we're at a standstill. He just wouldn't STOP so I finally just said I think we're done here, and I hung up on him! I felt a little bad for that, but I was just shaking...So, that really is the only reason for my post--to let these feelings out. I feel like a complete and total loser And I'm irritated to have allowed myself to get so upset over some stupid collections guy!! And maybe it's a good thing (think positively, right?)--reminds me I don't need this stress, and getting out from under this over-priced, underwater, option ARM loan with skyhigh property taxes will be the BEST THING EVER FOR MY FAMILY!! Who cares how pretty this house is...it's just a house. Thanks for the therapy session, folks, how much do I owe? Bill me, hahaha...oh, and right after I hung up, got another call from an auto recovery place, but they were just asking if we'd ret'd the vehicle to the dealership, which we've done, so no biggie there.
Thanks to all of you who replied--you really made me feel alot better about the situation! (and Hub--the "cold one" was a great suggestion!!) By sheer coincidence I caught a show on tv yesterday called "Maxed Out Credit" or something similar--and it was showing these horrid collectors in their natural habitat, making calls and harrassing people. The 2 guys they profiled did seem like total u-know-whats and confirmed pretty much everything that guy was doing yesterday. I will definitely not let another one of these people get under my skin again.
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