I thought the day of losing our home and everything in to fire, just days before I gave birth to our son was the worst day of my life. I thought everything we have been through with a bad faith insurance company were our second most worst days. I was wrong. Today is the worst day of all. I recently received a letter from my bank stating that they will not be renewing our mortgage when it renews on June 1st 2015. We are to find new financing or face losing our property. If we don’t find refinancing, we must surrender the property to the bank. I am assuming with no house on the lot, it has become a risk and the bank is looking to recoup their original investment instead of having to cut their losses. We are now facing claiming bankruptcy as there is a second mortgage that will become outstanding when the first lender takes the property.
I met with one of the best real estate agents in my town. Just as I suspected, with no house on the property, we cannot sell it for what is owed. After hearing our story, she told me “Give it back to them. The insurance companies and the banksters are all in it together. They are all crooks. You are a victim. Give it back to them so that you and your family can begin to reclaim your lives. Even if it means claiming bankruptcy. It will be a fresh start.” Claiming bankruptcy is not an option for us. My husband is a self employed truck driver contracted by Fed Ex Freight. I own a small business. After losing everything we own, now we must lose our credit rating too?
Every dream we had, included our property. We love it. We looked forward to raising our son, Tyson there. He loves it too. For six years, since the date of the fire, we have been paying the mortgage every month, on an empty lot in hopes of rebuilding one day. We have stayed in a trailer, with no running water or electricity and maintained the property. The lot is beautiful and it is still our home.
I called a refinancing company. You know, one of those companies whose ad you see on every website you visit. A “we re-finance everyone,” type company. No go. No asset on the property, no re-financing.
I sit here now, head spinning and swirling, afraid to stand up for fear of passing out from the anxiety of it all. My heart feels like it’s going to beat out of my chest as the tears flow. I feel like I’m going to throw up. I am dizzy with memories of summers spent on our lot. It’s the only place my husband, son and myself have to experience true privacy as a family since we stay with my parents during the cold months. Thoughts of Tyson swinging on his swing set, on our lot asking “When are we were going to build a house mommy?” and the promises I made to him that “soon” we would. I now know what the meaning of “your life flashing before you,” means. It’s happening now.
For the past six years I have done nothing but remain positive, living with gratitude for the things we do have. I have been pro-active to recover from this tragedy, rather than feel sorry for myself. I’ve tried to establish a platform that will help others in the same situation. I’ve developed an entire apparel line of t-shirts and sweatshirts to fundraise with, instead of just asking people for money. I’ve tried to give back by developing an affiliate program to pay it forward in commission to those who help spread the word of our cause. I’ve spent countless hours creating motivational posts and digital media on social networks like Facebook, Instagram and Twitter to encourage others to not give up in their time of despair. I secured a major sponsor to provide emergency items for local families who suffer tragedy, before helping my own family. I was recently featured on Blog Talk Radio for being an inspiring person. But I don’t feel inspiring at all anymore. Just as my campaign has launched, the rug is being pulled out from under me.
Now, all I feel, is like an idiot. I feel like a failure. Like, the corrupt system and all the haters, laughing behind my back that my dreams are too big, have all won. That, I have let both my son and my husband down. That all of my promises to my son to make things better were broken. That, we are a statistic. That the world is just a bad place and good doesn’t prevail over evil. That the underdog never wins. That not many people have empathy, nor really cares what happens to one another. Of the 10K fans I have following on my facebbok page, only a hand full have stepped up to help. Mind you, I realize not many are seeing my posts as Facebook requires you to pay money for your posts to appear in fans feeds. I feel broken.
I don’t know what else to do anymore, except ask for a miracle in the eleventh hour. Please don’t allow our fate to be decided by a greedy corporation. Even if the house is taken, we must provide a future and a home for a little boy who was born into this mess. I must fight on for him. We cannot live in my parents basement anymore. I’ve tried so hard to be positive rather than needy but I can no longer do that. It is with the utmost urgency that I plead for your help. Please visit our fundraising rewards. If you can purchase a t-shirt, please do. I created every single one of them from my heart. I have created pledge rewards starting from just $1. If your finances do not allow you to donate to our cause, please share this everywhere you can. A share costs nothing, but can be one of the biggest contributions you could make so that others will learn of my family’s plight. If you are a social media, branding or networking expert, please help us. I cannot afford your fees upfront, but am willing to pay commissions. If you are crowdfunding or fundraising for your own cause, please share our cause and take a percentage of the contributions.
Please help us begin our life as the family we were meant to be. Please help us become survivors instead of victims.