Categories
Finances

And So It Begins…

Grate One
Grate One
Taken February 16, 2009 with Canon PowerShot A550

Well, this is a weird space I’m in… I feel like I’ve been through a cheese grater, hence the pic above, which is not a cheese grater, but it’s the closest I could come up with, without getting the camera out. Not to mention, finding a cheese grater.

The house that isn’t mine is about to go into foreclosure.

I’m working on “lawyering up”, but it’s a slow go. I’m trying to find one that deals specifically with real estate, but so far, none of those seems to be able to fit me in for months and I’m afraid to do anything without legal advice.

I don’t know yet if I can sell this house without The Sire’s cooperation or not (I’m thinking it’s “not”, though…), but that’s what I’m trying for, right now. I have two interested parties, and a lot of hope.

This would go much faster if my work schedule would cooperate. I’m back on nights again for the next few shifts, and that makes it difficult to be awake during “lawyer’s hours”. Most of my calls end with me waiting to hear back from people with answers to my questions, and there haven’t been many answers so far.

Ky’s depressed about the whole thing – won’t go to school, can’t sleep, barely eats. Not a lot of singing going on in the shower lately…

One way or another, this will all work out. I’ve got my fingers crossed that at I don’t end up bankrupt when it does.

My heart hurts.

Not-So-Random-and-a-Little-Bit-Heartbreaking Song-for-the-Day: “Our House” – Crosby, Stills, Nash & Young

Categories
Finances Movie Mentions Real Life

“Money Isn’t Real, George…”

Birds on a Wire
Birds on a Wire
Taken March 15, 2009 with Canon PowerShot A550

In the movie, “Blow”, George’s dad tells him that money isn’t real. “It doesn’t matter, Georgie…”

My dad would have disagreed with that one. I sure as hell disagree with that one.

I am about to embark on a legal battle of epic proportions.

Well… Epic for me. The Sire has gone AWOL.

That still doesn’t change the house situation, though.

This should not be affecting me. I have a very legalish sheaf of very legalish-sized paper that says I don’t own that house. If he were to sell it, I could not demand a cent from the sale.

But (Ain’t there just always a “but”?!).

Six years ago, the house was supposed to be refinanced and my name removed from both deed and mortgage. It was not.

Every now and again over the years, I have “reminded” The Sire of his legal obligations. He has always promised to “get right on that”. And then did not.

There are a couple of “should haves” that I “should have” taken care of between now and then…

I should have legally forced him to refinance the place the first time he kakked on doing so.

Better yet, I should have told him to kiss my ass when he asked to keep the house, and forced a sale. I gave him my half of that house. How stupid is that?!

Life got in the way, though, and I have a tendency to take the easy way out.

But now… my name is still on that mortgage.

The mortgage rep. tells me I am legally responsible for half of the mortgage left owing, never mind my legalish sheaf of paper. Yet (and this is insane), in the same breath, the same mortgage rep. tells me I don’t have a legal right to know what’s left owing on the mortgage, because my legalish sheaf of paper gives me no rights to the house.

That particular bright bunny argument, I hope to win with the next phone call. I had that argument with them a while back and won it with a few choice words.

In truth, however, if The Sire really has walked away, the bank will come after me for the whole amount owing. They are not going to piss around going after him, if he pulls a disappearing act, when they already know where *I* am.

I will find him, though…

But this is where it really gets dicey…

I’m really worried about what all of this is doing/going to do to our daughter, which is the biggest of the reasons why I haven’t done what I should have done a long time ago.

But (Again with the “but”! Apparently, I have a but fetish.) I can’t live like this any longer. I have plans, dammit, and those plans do not include bankruptcy over a house that I no longer own, don’t want, and won’t shoulder.

“Money isn’t real.” Let’s find out, finally, shall we?

Random Song-for-the-Day: “Yours Truly Confused” – Ray Davies