Quite a few years ago, when we were young and had some financial reversals, we fell into the trap that so many of our generation did. The refinanced loan. We would find ourselves having trouble making payments and would go to talk to the lender. This happened three times, I believe, and each time the lender's solution was to refinance the loan. Not wanting to default, we went along and it bought us time. By the time Tim landed his present job and our financial outlook improved greatly, we were so far behind on the loan that there was no way we could get out from under it. We could afford the payments, but not to catch it up to date. We finally had no choice to save our home and our vehicles but to enter chapter 13 bankruptcy. That is the type where you pay back the debt. The court put us on a payment schedule and the money was automatically withdrawn from Tim's paychecks. It took 5 years, but we paid off all of our debts. The court released us and even gave us a commendation because so few people actually finish this type of bankruptcy.
We expected to hear from the lender....they hold our deed, after all. Months went by and nothing. I finally did an internet search to find a phone number to contact them. Oh, they said, it wasn't completely paid off (a relatively small amount remained), but it was nothing to worry about because we were paid ahead by 2 years!! We'd hear from them when that time came. Fast forward 2 years. Nothing. So, I called the lender again. Oh, they said, they'd been sold and everything was being reorganized and no one was handling the account. Once it had been assigned we'd hear from someone. Forward another year (this year) and a letter arrives in the mail saying the loan is delinquent and in collections. EXCUUUUUUUSE ME??
It took me 3 different toll-free numbers and 5 customer service representatives, 4 of whom spoke with heavy accents (please don't think I'm prejudiced, but I do think if your job is talking to customers on the phone the customer should at least be able to understand you) to find out that even though the court says we finished our bankruptcy and it's been dismissed....the lender doesn't. No amount of arguing with the "supervisor" could get that through. Their system has the account marked as being in bankruptcy and so it shall remain. After a whole lot more semi-yelling on my part I at least have it figured out that the balance is just sitting, not adding interest and it will be okay if we make payments in whatever amount at whatever time and when it's paid off we'll finally get our deed. So they say. I am not sure anyone in that company has a clue what's going on.
Daisy has started to get brave when she is outside. Meaning she sticks close unless something catches her attention and then she's gone. I had already bought her one of those flashing red lights to hang off her collar so I can see her in the dark, but it looks like she's going to have to be on a leash. The other day she took off in all the snow and I couldn't find her. She was down by the road, happily splashing in the puddles created by the melting snow. And then she took off after a Buick. Love my girl, but she is sooooo NAUGHTY!
So many times this week I thought, "I'll share this in Friday Fragments." And here I am....unable to think of any of them. I am going to have to start keeping a list to offset the senility. LOL Oh well, being Friday also means that I have to go back to work early. You all take care and have a great weekend! I'm going to try and get a Saturday Share post up tomorrow if you need anything to browse through over the weekend.