Well, I am still here but not know how or why. I am just getting depresser by the day. I have tried everything I can do to find another home that will accommodate us all to even trying to save the home we are all ready in. It is totally hard when you don't have a lot of money and no credit to get anything.
Today is another day and everyone is still giving me lots of run arounds.
A friend of mine did a search on the Internet to see what type of bank/mortgage company Litton Loan Servicing really are and boy did she find some really bad stuff on them. If you ever want to look it up go to http://www.google.com and type in either Litton Loan Servicing in Houston, TX or Complaints Litton Loan Servicing or even Litton Loan Servicing and see what you find out.
Here are just a few of the links that I got sent to me about all this...
(You can look or you don't have to look at all just thought I would share with everyone about how bad this company is.)
Consumer Affairs http://www.consumeraffairs.com/finance/litton_loan.html
Class Action Suit Against Litton Loan Servicing http://www.lieffcabraser.com/loan-servicing.htm
Ripoff Report http://www.ripoffreport.com/searchresults.asp?q5=Litton+Loan&searchtype=0&q1=ALL&q3=&q2=&q7=&q4=&q6=&start=0
Better Business Bureau (BBB) http://houston.bbb.org/WWWRoot/Report.aspx?site=148&bbb=0915&firm=68538
Complaints Board http://www.complaintsboard.com/complaints/litton-loan-servicing-c8710.html
Complaints.com http://www.complaints.com/directory/2005/february/25/36.htm
Well, we are still waiting to hear from the Attorney's but I know we will not so we are going to call them back tomorrow as it will be the 3 business day but I know they will give us another run around because they really don't want to talk to us anyway. We are still in touch with Mr. Allan Angel with Levy Court even though he is not in our district he is still trying to help us out as much as he can do. I was reading today that I could have tried to get a H4H if Litton would have told us about that. It is called H4H (Hope 4 Homeownership) it is a new program President Bush put into effect back in October 2008. I have to read up on it more in detail to see if we could have been able to do it but I just thought I would let others know if you have hard times look into it because it is good until 2011. Go to http://www.fha.gov and you will be able to click on Hope for Homeowners I think that is the link I clicked on. Or you maybe able to go to http://www.hud.gov too and find stuff. I have been doing a lot of research as I didn't know we would even be considered for HUD or FHA if we were at a Conventional Loan. So, I have been doing as much research as I can and so don't hold all this to be true for everyone as I am not totally sure but it is worth looking into if you come into trouble.
I want to say "THANK YOU" to everyone that has helped me out and for just listening and reading my post. You all mean so much to me and I hope that my outcome will come out of this really well, but who knows what tomorrow will bring to us all.
I want to let you all know that foremost IMPORTANCE in my life right now is SAVING my home or getting a home that will Accommodate everyone and their disabilities including mine. That is not working right now but I am still going to keep the faith and just stay positive and focused in all I am doing.
I know my HEALTH should be the most important thing right now but it isn't because if I was to worry about that I would be back in the hospital fighting for my life. The pictures I posted are OLDER pictures from when I had MRSA (Staph Resistant Infection). It is NO where never as bad as that and I am trying to make sure that it doesn't get that way. The only way I can do that is to be positive and think happy thoughts and try not to get over STRESSED or UPSET but right now that is not going in my direction but I am trying and that is all I can do right now.
Thank you all again for all your advice, prayers, thoughts, love and support. I truly really do appreciate everything from the bottom of my heart. You all are the best and look forward to talk with you all again soon. Thanks for everything and hope you have a very blessed day and hopefully I will be able to getting back into designing sometime soon after all this so I can show off my work. Take care and talk to you soon. God Bless Everyone!! Much love, support, prayers, and hugs, KAT :OD
Thursday, January 15, 2009
Tuesday, January 13, 2009
Still hanging on yet again today...
Hello and Good Afternoon Everyone!
Well, I am still here but don't know for how long. Everyone here at the home is really depressed/sad/anxious and don't know what to do. We have been calling the attorney's office to see if they will give us a payoff or purchase price for the home but they are still giving us a run around like normal. First when we called there to ask for a certain lady and they told us that there was no one there by that name. Than we told them who we were and we were told to ask for this person and they said "HOLD ON" with an attitude and very mean to us. Well, they transferred us over to guess who, you said it right the lady we were suppose to talk to in the first place which they said that didn't work there. So, than she tells us we have to wait 4 to 5 BUSINESS DAYS to find out anything and we have to call back than. But in the mean time she told us that there are fees and other stuff that is added in daily. So, that is not right when we want to get this done as soon as possible.
What gets me is why would you want to do this if you can get the money and get it out of your hands. Meaning the attorney and the loan company. I just don't understand why they are going through all this if they can get their money.
Well, I guess this is all for now but I maybe back later depending on what is going to happen next. OK! Thanks for everyone reading and I know that everyone is having hard times and I know that so many are losing their homes and jobs and I do Sympathize on all this because I know what I am going through and I hope and pray that NO ONE has to go through all we have been through.
Thanks again for everything I really do greatly appreciate everything and the advice and friendship I am getting from you all. God bless and many hugs and love always, KAT :OD
Well, I am still here but don't know for how long. Everyone here at the home is really depressed/sad/anxious and don't know what to do. We have been calling the attorney's office to see if they will give us a payoff or purchase price for the home but they are still giving us a run around like normal. First when we called there to ask for a certain lady and they told us that there was no one there by that name. Than we told them who we were and we were told to ask for this person and they said "HOLD ON" with an attitude and very mean to us. Well, they transferred us over to guess who, you said it right the lady we were suppose to talk to in the first place which they said that didn't work there. So, than she tells us we have to wait 4 to 5 BUSINESS DAYS to find out anything and we have to call back than. But in the mean time she told us that there are fees and other stuff that is added in daily. So, that is not right when we want to get this done as soon as possible.
What gets me is why would you want to do this if you can get the money and get it out of your hands. Meaning the attorney and the loan company. I just don't understand why they are going through all this if they can get their money.
Well, I guess this is all for now but I maybe back later depending on what is going to happen next. OK! Thanks for everyone reading and I know that everyone is having hard times and I know that so many are losing their homes and jobs and I do Sympathize on all this because I know what I am going through and I hope and pray that NO ONE has to go through all we have been through.
Thanks again for everything I really do greatly appreciate everything and the advice and friendship I am getting from you all. God bless and many hugs and love always, KAT :OD
Monday, January 12, 2009
Apologizing & Sorry!
Hello and Good Evening Everyone!!
I want to apologize to everyone who has read my post before this one about the house and to everyone who think I am asking for MONEY or handouts as I am NOT. I am just asking for advice at what I may be able to do to try to SAVE the home I am IN NOW because of all that would have to be done to get me out of the home and not counting all the stuff that would have to be moved and costs of living (renting) any other place. It would cost the same amount if not more of what we were paying in the beginning $1200 to rent something around here. Than you have to have First, Second and Last month deposits and than Security deposit as well for most places.
And than alot of people think that it is just so easy to get up and move around and leave my home when it is not that simple as some think. I have tried everything from not eating to help in losing weight to 1500 calories a day but being I am IMMOBILE I can't seem to lose the weight. Which is not the main issue with me not being able to move the legs are the main reason for me not being able to move around.
If you are interested here are some PICTURES of what I am going through with my legs and some pictures of myself being overweight and all.... Some of these are graphic so be warned check them out on your own....
http://s428.photobucket.com/albums/qq3/KShelman/
I just wish it was so SIMPLE as to get up everyday without being in so much pain from the swelling in my legs. It isn't that simple but I still manage to get up out of my bed and try to go on with the new day. Everyday is just a challenge to get out of the bed for me. Robert has to help me everytime I get out of the bed and it takes me at least 30 mins to get from the bedroom to the bathroom to the living room if I am going to sit out there for the day.
My day involves sitting so much that it isn't funny and it is not like I want too. I would love to be able to get up and go outside and breathe in fresh air but I have a oxygen tube in my nose 24 hours a day too. Plus, with the other illnesses it would take me over 3 hours to get out of the house if that, short amount of time and when I come back it would take us another 3 hours to get back in the house and than the next day I would not be able to walk to the bathroom at all and if I did I would be crying because of the pain. But than again so many people will say NO PAIN, NO GAIN but I have been in pain now for over 20 years and I have had to try to learn to live the best I can live with what I have.
I have to have help from my mom to even fix me food to eat each day. I have to depend on Robert to have to bath me in my bed and help me with dressings and changing of bandages for my legs so they will not get infected. If I get them infected I could lose my legs or even die because this has happened before where I almost lost my legs and I have almost died as well.
But I am sorry I have not been able to get back online until today to explain and I am sorry that everyone felt like I was asking for them for money and I am NOT. I am just asking for help. Thanks for taking the time to read this and I will try to get on as much as I can but I am trying to save my home so it maybe a few days at a time okay. God bless and many hugs and love, KAT :OD
I want to apologize to everyone who has read my post before this one about the house and to everyone who think I am asking for MONEY or handouts as I am NOT. I am just asking for advice at what I may be able to do to try to SAVE the home I am IN NOW because of all that would have to be done to get me out of the home and not counting all the stuff that would have to be moved and costs of living (renting) any other place. It would cost the same amount if not more of what we were paying in the beginning $1200 to rent something around here. Than you have to have First, Second and Last month deposits and than Security deposit as well for most places.
And than alot of people think that it is just so easy to get up and move around and leave my home when it is not that simple as some think. I have tried everything from not eating to help in losing weight to 1500 calories a day but being I am IMMOBILE I can't seem to lose the weight. Which is not the main issue with me not being able to move the legs are the main reason for me not being able to move around.
If you are interested here are some PICTURES of what I am going through with my legs and some pictures of myself being overweight and all.... Some of these are graphic so be warned check them out on your own....
http://s428.photobucket.com/albums/qq3/KShelman/
I just wish it was so SIMPLE as to get up everyday without being in so much pain from the swelling in my legs. It isn't that simple but I still manage to get up out of my bed and try to go on with the new day. Everyday is just a challenge to get out of the bed for me. Robert has to help me everytime I get out of the bed and it takes me at least 30 mins to get from the bedroom to the bathroom to the living room if I am going to sit out there for the day.
My day involves sitting so much that it isn't funny and it is not like I want too. I would love to be able to get up and go outside and breathe in fresh air but I have a oxygen tube in my nose 24 hours a day too. Plus, with the other illnesses it would take me over 3 hours to get out of the house if that, short amount of time and when I come back it would take us another 3 hours to get back in the house and than the next day I would not be able to walk to the bathroom at all and if I did I would be crying because of the pain. But than again so many people will say NO PAIN, NO GAIN but I have been in pain now for over 20 years and I have had to try to learn to live the best I can live with what I have.
I have to have help from my mom to even fix me food to eat each day. I have to depend on Robert to have to bath me in my bed and help me with dressings and changing of bandages for my legs so they will not get infected. If I get them infected I could lose my legs or even die because this has happened before where I almost lost my legs and I have almost died as well.
But I am sorry I have not been able to get back online until today to explain and I am sorry that everyone felt like I was asking for them for money and I am NOT. I am just asking for help. Thanks for taking the time to read this and I will try to get on as much as I can but I am trying to save my home so it maybe a few days at a time okay. God bless and many hugs and love, KAT :OD
Saturday, January 10, 2009
Sad, Depression and need advice!
Hello and Good Afternoon Everyone who reads this blog,
I am very sad, depressed and all as you know what may or may not know what has been going on in my life. So, here goes as I am going to explain it again and look forward to this being long, but I will try to explain it short but into detail the best I can okay. LOL! Thanks for taking the time to even read this.
First off you know that I am disabled and most of you know that I am homebound. Well, the Sheriff's office SOLD our home on 1/8/09 but the good news is that NO ONE BIDDED on it. So, they bought the home back for $133,200 and the good news is if we can get the money to buy it back from them we can STAY in the home. The bad news is if we can't get the money we only have 30 days to find a place to move too. We know that the loan company will want at least the $133,200 but I know they will be asking for more I am sure because the original loan was for $180,000 at $1933 a month for the mortgage payment. That is why we were NOT able to afford that. But it was only $1200 and we were able to afford that and it just kept going up and up. We couldn't afford it and tried everything to get it reduced and tried to get them to work with us and nothing helped.
What I was wondering if there is anyone out there that would be willing to help me out in raising the money or even if someone would be willing to help me out to try to get the money. I would LOVE to stay where I am at and I would be willing to repay anyone that helps us back if it took me the rest of my life if just someone would help us out. We have had so much BAD LUCK and NO ONE that wants to help us including the Mortgage company. We called them so many times and get transferred to so many people and so on and NEVER get any answers. Most of the time we don't even get to talk to an actual person it is a voicemail or recording.
So, all of you know that my mom's boyfriend (husband so to speak been together 18 yrs). has become very ill and lost his job a few years ago and has been looking for work and because he has gotten ill he has not been able to even do that. And with how bad the times are no one will hire him. So, he finally got on medical insurance and was able to finally go to the hospital and doctor's and they are finding out but this is just a start and just get it started in January 2009 but filed for it back in Nov. 2008 and it is just now getting started. So, he has finally got a primary care and he is finding out he has Lymphedema and Nodules in his left leg, severe sleep apnea, Narcolepsy, and we are sure he has other issues but these are just a start. He is also morbid obese as well and has become homebound as well.
My mom is disabled as well and she is having to help take care of me and her hubby (whom I will refer him as) and her brother. She has major issues as well. One like I was telling you she may have cancer but can't find out until March 2009 because of Medicaid will not pick it up because it has not been 6 months. So, she can't find out until than if it is cancer or not. She was diagnosed 2 years ago with NON CANCEROUS CYSTS in the same breast but these new signs are deeper and there are more of them in the same breast. So, we don't know if they are the same ones or if it is cancer. Which I am hoping it is not. She also has 6 herniated disks in her back, Diabetic, high blood pressure and they (diabetes and blood pressure) are uncontrollable even with medicines. She is also a maniac depressed, has anxiety attacks, and panic attacks. She can't be around many people and if she has a spell she has to go and be by herself because of it. She has mood swings as well and maybe Bipolar but has NEVER been diagnosed in having it.
Now we go onto me which most of you know me I have what is called Primary Lyphedema/Elephantiasis in both legs. It is swelling in both legs and you are in a lot of pain and I am prone to infections which I have almost died all ready 4 times from the infections (MRSA-Staph Resistant Infection). I am very morbid obese but try to limit my intake and watch what I eat, I drink water all the time and I try to not eat any bad foods but my problem is being immobile and lack of money to get proper foods to eat that I can eat more than one time a day. Which 90% of the time I only eat 1 or 2 meals a day and that is it. Like today I have not eaten yet but 1 Scrapple & Egg & Cheese Sandwich on Wheat Toast and 2 bottles of Water all ready. I am depressed alot because I have been homebound now for over 6 years and I have not even been out to see a doctor in almost 3 yrs. No doctor will come to my home to see me at all because believe me you I have tried. I am on oxygen 24 hours a day as you can probably all ready be able to tell from my profile picture with my boyfriend (whom I consider my hubby been together 18 yrs as well). I have severe Obstructive Sleep Apnea.
Will continue saving because something is messing up with my computer sorry!!!
I am very sad, depressed and all as you know what may or may not know what has been going on in my life. So, here goes as I am going to explain it again and look forward to this being long, but I will try to explain it short but into detail the best I can okay. LOL! Thanks for taking the time to even read this.
First off you know that I am disabled and most of you know that I am homebound. Well, the Sheriff's office SOLD our home on 1/8/09 but the good news is that NO ONE BIDDED on it. So, they bought the home back for $133,200 and the good news is if we can get the money to buy it back from them we can STAY in the home. The bad news is if we can't get the money we only have 30 days to find a place to move too. We know that the loan company will want at least the $133,200 but I know they will be asking for more I am sure because the original loan was for $180,000 at $1933 a month for the mortgage payment. That is why we were NOT able to afford that. But it was only $1200 and we were able to afford that and it just kept going up and up. We couldn't afford it and tried everything to get it reduced and tried to get them to work with us and nothing helped.
What I was wondering if there is anyone out there that would be willing to help me out in raising the money or even if someone would be willing to help me out to try to get the money. I would LOVE to stay where I am at and I would be willing to repay anyone that helps us back if it took me the rest of my life if just someone would help us out. We have had so much BAD LUCK and NO ONE that wants to help us including the Mortgage company. We called them so many times and get transferred to so many people and so on and NEVER get any answers. Most of the time we don't even get to talk to an actual person it is a voicemail or recording.
So, all of you know that my mom's boyfriend (husband so to speak been together 18 yrs). has become very ill and lost his job a few years ago and has been looking for work and because he has gotten ill he has not been able to even do that. And with how bad the times are no one will hire him. So, he finally got on medical insurance and was able to finally go to the hospital and doctor's and they are finding out but this is just a start and just get it started in January 2009 but filed for it back in Nov. 2008 and it is just now getting started. So, he has finally got a primary care and he is finding out he has Lymphedema and Nodules in his left leg, severe sleep apnea, Narcolepsy, and we are sure he has other issues but these are just a start. He is also morbid obese as well and has become homebound as well.
My mom is disabled as well and she is having to help take care of me and her hubby (whom I will refer him as) and her brother. She has major issues as well. One like I was telling you she may have cancer but can't find out until March 2009 because of Medicaid will not pick it up because it has not been 6 months. So, she can't find out until than if it is cancer or not. She was diagnosed 2 years ago with NON CANCEROUS CYSTS in the same breast but these new signs are deeper and there are more of them in the same breast. So, we don't know if they are the same ones or if it is cancer. Which I am hoping it is not. She also has 6 herniated disks in her back, Diabetic, high blood pressure and they (diabetes and blood pressure) are uncontrollable even with medicines. She is also a maniac depressed, has anxiety attacks, and panic attacks. She can't be around many people and if she has a spell she has to go and be by herself because of it. She has mood swings as well and maybe Bipolar but has NEVER been diagnosed in having it.
Now we go onto me which most of you know me I have what is called Primary Lyphedema/Elephantiasis in both legs. It is swelling in both legs and you are in a lot of pain and I am prone to infections which I have almost died all ready 4 times from the infections (MRSA-Staph Resistant Infection). I am very morbid obese but try to limit my intake and watch what I eat, I drink water all the time and I try to not eat any bad foods but my problem is being immobile and lack of money to get proper foods to eat that I can eat more than one time a day. Which 90% of the time I only eat 1 or 2 meals a day and that is it. Like today I have not eaten yet but 1 Scrapple & Egg & Cheese Sandwich on Wheat Toast and 2 bottles of Water all ready. I am depressed alot because I have been homebound now for over 6 years and I have not even been out to see a doctor in almost 3 yrs. No doctor will come to my home to see me at all because believe me you I have tried. I am on oxygen 24 hours a day as you can probably all ready be able to tell from my profile picture with my boyfriend (whom I consider my hubby been together 18 yrs as well). I have severe Obstructive Sleep Apnea.
Will continue saving because something is messing up with my computer sorry!!!
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