Thursday, February 23, 2012

The American Tragedy Part 2

I was feeling really terribly that I left you all with such sad news and with sort of a negative post; the one about Shasta.  But, to be honest, that is sort of how life has been around here...But that is sort of how life has been for MANY people, for a VERY long time; so I am still smiling and laughing each and every day.  And knowing that many of these things are a natural part of any ranchers life; and that I would not be a good rancher if I did not take them so DEAR TO HEART.

So it is time to get over my pity party and get back to work.  I don't have many months left here at The Royal Ranch and I need to make every minute count.  I don't know if I have made the point enough times, but I am a full time student at Ohio Christian University now also; so life is a bit hectic, what with eggs in the incubator, kids running to and fro, new turkeys adjusting to our ranch routine and of course online studies to be done.

I am orchestrating the move of an entire ranch/family that will also entail a huge downsizing (which is a good thing in my book) and still taking on new projects.  Yes, you heard that right.  Why?  Because I feel that this particular project is one that will help my family, my new homestead and my community.  I will get further into it in another post, because I have really used my negotiating skills to get this project off the ground!

Today I want to talk a bit further about the banks (and bank bailouts).  Simply because I said I would.  I am not going to spend much of my energy on them because frankly they don't deserve much of my energy anymore; but what I do want to share is some useful tips.  I told you all our story in the first post of The American Tragedy.  I also told you all in that first post that our belief is that this foreclosure mess in America is due to the bank bailouts.

Okay, so I am no financial genius.  From here on out you are going to assume some of your own risk.  But I mean this country has a financial epidemic on it's hands.  We went to our county's Public Trustee's website to figure out about foreclosures in our county and did you know that only banks buy up foreclosures?  Not one has been sold to a private person in the last year.  That's right they take them, buy them back and then sit on them.  Why?  In my opinion, so that they can tell us tax payers that it is a loss and then when the market gets better they will put them all for sale; which by the way will be no good for the recovering market.

I mean, I just went to go pick up the links for this story and started getting a damn headache  from reading it all.  I can't do it Dear Rebels.  So if you want to do some reading on what all is happening to folks, have a go at this article (don't forget the comments, that is half the story!).  Or this one, because it is where I got a good piece of advice.  Well, I hope so anyway.  I filed a complaint with the OCC (Offices of the Comptroller of the Currency); which so far hasn't shown to do anything, but at least I feel like I am doing something and they are not just going to get away with this scott free.

Next, if you are in this or any other legal issue for that matter; make sure and read every line of every piece of paper that you are sent, and even more importantly do it in a timely fashion as their are "due dates" on many items.  Now, this may sound like common sense to some, but it simply is NOT.  When a person finds themselves in a place like I have the past few weeks, and that is simply inundated with work and pretty much grief stricken; common sense does not play a role.

I got a mailing from the attorneys that are foreclosing on our homes, and of course this mailing pissed me off.  So, being the Rebel that I am I had set it aside and not thought much about it.  Well, it just so happens that it was The Fair Debt Collections Practices Act that they are required to send me and it actually had some really helpful information in it so if I hadn't read each and every little bitty, and they do make sure it is little bitty, line of it, I would not know that they have to provide me with quite a bit of information before they can just foreclose on my home.  The catch of course is that you have to ask for this information, in writing, within thirty days.

So they are of course hoping you, as a dummy don't read the tiny writing and won't do the awkward wording of how in the hell am I going to ask them for all of that stuff and make it sound just so?  And within their time-frame no less?  Well, at least I was.  So, lo and behold my class right now is Intro to Computers and we are learning Microsoft Word; can you believe that in that program is a template for exactly what I needed?  I mean this letter even quoted The Fair Debt Collection Practices Act and a court case that supports it and everything.  So there is help out there for us dummies folks, don't despair.

Lastly, we got a delivery from a Deputy of an affidavit that has some helpful information on it that we are following up on as well.  This program is something called Deferment; and I don't know much about it except that it goes through the Colorado Foreclosure Hotline and it gets you set up with a HUD counselor if you are approved.  I must admit I am a tad bit leery of this program as it is another government plan (gee, we've had such great luck with those so far...) and they are for people who intend to keep their properties as their PERMANENT RESIDENCE.  Which I am not sure we can commit to.  Wink, wink Big Brother.

You know that anything I say can and will be used against me in a court of law...or something like that.

1 comment:

Tiffany said...

finally coming around to checking in on you, Judy. I am so very sorry for what you have been through lately. Love and warm wishes.... I know you will make lemonade! <3