When my hubby was injured in my car accident in 2007, I tried to get my mortage company for our house in New England that we were trying to sell to grant me a hardship forebearance. Since he wasn’t able to work due to my injuries, I was hopeful to get some empathy from the company. Boy, was I wrong!

Long story short, the mortgage company has dropped the ball and tossed me around from department to department, where I have been met with gross incompetence at every turn.

After over two years, even though we FINALLY did a deed-in-lieu with the company last November, and the deed to the house was transferred into their name in December the company is continuing to send me notices that I owe them the money and the company is still sending notices to the credit agencies that the mortgage is overdue. This is resulting in credit card companies closing my credit cards or lowering my credit limits.

Every time I call Bank of America I am shuttled around from department to department, and told the matter will be escalated and someone will call me back within the next week. That never happens. I have called them about once every two weeks, and nothing is resolved. I have sent them letters, and I get replies that someone will contact me within 20 days, and that never happens either! I got collection calls several times a day for years on end until I finally blocked their telephone number!

As of today, I have been on the phone with Bank of America for the past four hours, being shuttled around from department to department, trying to find some help. I’m on hold at the moment, waiting for a supervisor to talk to me. The lady I just spoke with said that my account was in the process of being assigned to someone in the home retention department!

I have contacted my state senator Mark Warner’s office, asking for help a couple of weeks ago. Haven’t heard back from them yet.

Anyone know a good lawyer that would like to sue this company on my behalf to get this resolved and maybe some punitive damages for emotional distress it is causing? I had hired a lawyer that I was told is an agressive lawyer that loves to sue people, but for some reason he just doesn’t seem to be in the mood to take this on! If you know of a class-action suit going on for people in situations like this, or know a good lawyer that could/would help me, please post comment to this blog and I’ll get the information!

Can you feel my pain?

I guess that I’ve been deeply spoiled by the fact that my brothers and father did all of the work on our family cars when I was a young girl living at home, and then I was lucky enough to marry a guy that does a lot of work on cars, too. Although that wasn’t a pre-requisite to marriage, it sure didn’t hurt his case any when he proposed! My hubby knows his way around cars, that is for sure! I’ve seen him rebuild an engine or two, and put new brakes on my car. Yeah, I guess I’ll keep him; I don’t think I can afford to pay someone else to do all the repairs around here!

That whole story puts me in mind of how it used to be that people didn’t know that asbestos causes Malignant Mesothelioma when the particles become airborne and are inhaled.  I learned a lot about that when the office I was working in was being remodeled and they had to seal it up to protect us all from asbestos.  I find it appalling that there is still so much of it “out there” that it is still a health threat!  But I’m reminded of that every time I see a television commercial for a Mesothelioma Lawyer, advising people that if they suffer from, or know someone who suffers from mesolthelioma, that they should hire a Mesothelioma Attorney to help them to get some financial compensation for their misery.

Looking for buying first home tax credit information is made so easy with the Internet. I ran across a site by Coldwell Banker that helped me understand the whole situation. With a short but interesting and informative video to take a gander at as well. If you take 3 minutes and 28 seconds and watch it as well I’ll bet you’ll learn a thing or two as well.

 

What I didn’t know is that this credit isn’t only for first time home owners, but is designed to assist homeowners who have lived in a current home consecutively for five of the past eight years as well. If so you can receive up to a $6,500 tax credit, that’s a nice chunk of change to get back from Good Old Uncle Sam!

My brother has submitted a Personal Injury Claim and it has been three years and still no money coming in and the bill collectors are hounding him like crazy. Just what some one needs when they have been seriously injured. There are good attorneys out there, but it still takes time and I really feel for him and my sister.

Although I’m good at a lot of things, I’m not sure that there is a sustainable market for the things that I do!  Once I do figure out what I want to do, though, I will certainly be turning to the National Institute of Small Business Grants for guidance on where to find the right business grants for the business I want to start!  I’ve taken a lot of college courses on running a business, and to be perfectly honest at this stage of my life I’d much rather be retiring than starting a new business!

Check out this beautiful piece that I’ve got my eyes set on. It will be perfect when the time comes, I can only hope that it comes sooner rather than later.

As well as looking pretty, though, gold is an investment choice.  I was reading in the December 9, 2009 issue of Time magazine that investing in gold is a smart idea.  I’ve suggested to my hubby on more than one occasion that if and when he gets any settlement money from his car accident that he might want to invest some of the money in gold bullion or coins.  I think it is a wise choice.

I’ve noticed that a lot of the Credit card offers sound wonderful at first, but when I read the fine print I often find that the credit card is not such a great deal after all – they often have an annual fee that I’m not willing to pay!  If I can’t get the credit card with no annual fee, then I’m not taking it at all!