This has been a 10-year battle to save our home from bank fraud. A battle that our lawyer believes we can win… As many of you know I am being a single mom and have disabilities due to an accident I had in 2001 that damaged my back and my neck. This has been our home for 13 years and really the only home my three youngest have known. So far the court has stopped the sale of our home 4 times and then ordered this stay on the foreclosure sale, but as per the law set this moderate undertaking required by law
when someone applies as a poor person to wave the fees for the filings. If they had set this as a monthly payment, I could have done this alone, but since they asked me to do a one lump sum ($7200), it’s far harder for me given my income and needing to pay bills.
I have prayed and I am praying for answers and for a miracle. These last 3 years have been very hard on the children and I as we fight for our home and face losing it. Many of you already know our story over the years, but those of you who are new may not. Its been a struggle, but one I am not about to give into, to do so would be to me showing a lack of faith. All I know is my God is Able and I am standing…
Currently, we’re still living in the house, although it was sold July 2nd of this year. There should be word from the court soon as to the appeal on ownership issues and there is so much even that I didn’t know that I am just here living my life and trusting the Lord in all of this. I was finally approved and found medically disabled by Social Security, so I will be getting SSI and this will help us to make ends meet. Having been disabled since 2001 in a car accident that broke my left leg in 3 places and gave me back & neck damage. At my husband’s request then, I didn’t apply for SS, probably the first mistake as I was in a wheelchair for 10 months and then had to learn to walk again. Since then I have not been able to do work that would support us. (myself and the children) Mark doesn’t live with us due to his own issues with mental illness. (Not going to feel shame for saying so) Mental illness isn’t great to deal with, The person suffering or the person trying to care for them when they have psychosis dementia and don’t know who you are at times. That is another whole post in the future. After 17 years together and apart… I told him he needed help when he got violent in the home. No one should have to deal with Domestic Violence and No one has any excuse for causing fear and heartache in another person. Over the years have tried many businesses in Direct Sales & MLMs and finally, after it never panning out, I quit trying that and just continued to devote my time to Prayer, Bible reading and Book Reading & Reviewing. I can tell you that God has been nothing but Amazing this past year and a half! Always going beyond anything I could imagine would happen. And right now I know he has a plan and His perfect will is all I am seeking in everything. I can see His Hand in my life and He has blessed me in ways, that I knew were just His doing. Someday maybe I will write/blog about those things… This week even being granted the SSI and Doing what he has called me to do! Him making a way for me to help us and others! Even the things we have had to part with, we have given to those that truly needed it. That part still floors me. Leaves me in tears of blessing and gratitude. Just so thankful for each thing he shows me, gives to me and helps us with.
A Little History
2006 Bought this Home
2008 Went to TN for the winter
(we couldn’t afford the propane heat, hot water & cooking. Mark said he couldn’t work)
2009 Told by the Bank they were going to foreclose, so we had tried a short sale and asked for a modification on the loan as our income decreased sharply
2010 Bank of America threatens to foreclose and were given permission to sell the house and then for whatever reason, never did, claiming they had paperwork to file. In the meantime from 2010 – 2013 Kept saying they would work on a modification with us. Never sent real papers to use to fill out and kept saying we were $100 short monthly from getting a modification. We had LawNY working on this case on our behalf.
2013 They sold the Mortgage to Lakeshore Mortgage Services who let M&T Bank service the loan.
2015 Bank of America comes back and tries to foreclose on our home and doesn’t really own the mortgage they sold. Yet M&T never comes even when asked to by me, to bring their lawyer in court and tell Bank of America to stop their trying to steal a house they don’t own.
2017 Bank of America is still trying to steal the house and M&T does nothing. We go to TN almost yearly to see my son and grandkids. Sept 2017 we come home to the house being full of MOLD… We pay $900 for mold testing, $5,000 for mold remediation, $1000 for 2 30 yard dumpsters of belongings we lost to MOLD. Meanwhile, I find a program to insulate the house and each year getting more of the electric updated to the tune of $3000 total. We bought plywood, flooring, cabinets (freestanding) ect ect ect..
January – July 2018 Mark leaving repeatedly and then causing Myself and the kids to worry and fear Him and it just became unbearable to care for him and his issues and still be able to focus on everything the kids needed and trying to still deal with everything life was throwing at us. Like I said, that is all posts for another time.
He got his own place, still angry and bitter that I for one got an order of protection, filed for child support and filed for custody of the kids.
July 2018 thru?
August 2018: Enter God… Smiling… He just totally floored me in meeting our needs, taking care of us and making a year that could have been a real hardship and unbearable…Totally Blessed and Amazing! He met every spiritual need I had, He provided for every material need we had and I am ever grateful for each day’s mercy and grace!
Learning to trust the Lord for All things, Learning that Humane nature 101 ( Smiling Faces Tell Lies) was really a lie from the man saying it continually. Learning who really loved me and who had my back! Who my real friends were and are! Creating a stable life for the kids & I! Learning that I had the power and ability to stand up to the devil and anyone working on his behalf to try to mess me up and trying to get me to take the wrong path. Thankfully, when you are free of negativity, mental, emotional and financial abuse, you can see things so clearly when your mind has stayed on the Lord God.
There is so much that happened, far more than could ever be shared in one blog post!
More things I will share at some point… He stopped the sale on the house 3 times, Filled the well with water when I prayed and asked him for this as a sign and it is still working. I won’t guarantee it will if I have to leave here, but that won’t be my issue then right… it will be the owners. Which is the Dept of Veterans Affairs! I learned so much in a year and a half. More then I ever learned in Real Estate School! About Auctions, About Investments, About the Law!
Well, here I am and it’s Sept 2019, somehow 2019 is flying by with trips to the beach, birthday parties for grandkids & our 2019 family picnic that was a total washout lol. We stayed, we lived we had rain all and sunshine and kids finally went swimming that night! We made a few more trips to the beach with friends and it was healing and just a total blessing!
I can say that it has been those times that I was alone, torn, broken & in tears that I reached out to God and found Him there, to hold me, to wipe my tears away, healing my heart and my mind… If anyone found me to be uncaring, quiet, anti-social, downright rude blocking you on socials, well I am not sorry… I had to do what I needed to for myself and for my children… I still am doing so at times… but The children have learned that as in the past, I am here to care for them. Listen to them and love them no matter what we go through! And I will never leave them and never have…
Like I said years ago…It’s Not About Me! It’s Not About YOU! It is about these children and their needs and loving them… Providing for them! Raising them not to follow bad examples that have been set before them. About breaking the chains that once bound us, due to the sins of the fathers and reaching for what should have been a normal life for the 17 years they have been growing up. Materialism? No, We have learned to make due as in the past, we have learned that God provides for us, but we learned that sometimes it comes in ways that we never expected.
Goals: Raising them, Schooling them, Protecting them from bad influences & examples. Helping them mature so that someday they can care for themselves.
I am going to leave the info below as I know that God works in ways that totally amaze me…
If anyone feels led to bless us in any way, you can email me at this email or help too. I am still praying for Some needs that I know the Lord is going to supply for us.
I hope this post brings just a bit of understanding of what has happened over the last 17 years in our lives! All Glory goes to the Lord God!