And I do mean LONG TERM. As in: over two years. Close to three.
When we decided to take the plunge and do a bankruptcy a couple of years ago, we did it because we wanted a fresh start. Financially, it worked! We paid off the last of the long term debts, the student loans, and we are 100% debt free. That’s great, yes! But personally, we are still stuck as hell.
We are stuck here in this house that we no longer own. We can’t just stop paying the mortgage because technically the loan was discharged with the bankruptcy. BUT since we kept paying, it didn’t actually go through any sort of foreclosure. If we stop paying, Wells Fargo can toss us out immediately if they choose. We are in a grey area. The reason we kept paying them is because $750 for this place is cheaper than rent would be. And we thought it’d be just for a year or so. HAHA!! It’s tough to live here and not continue fixing the place up, but that’s the way it’s gotta be. I suppose when we eventually do stop paying is when WF will foreclose. Not sure about that. You can’t ask the bank because all they know is that we’re paying on time. That tells you how jacked the system is when you can have BOTH a loan discharge entry AND a paying on time entry on your credit report. ::sigh::
Speaking of credit, Nick’s is coming along nicely. Mine is still in the mud. Meh. It’s hard to raise those numbers without a job on record. I was supposed to start my kitchen training, but that has yet to materialise. I don’t know what to do about it. I am, after all, asking for a favour from R, so I don’t feel right pushing him to start training me. I’ve done all the work he’s asked me to do without pay with the understanding that I’ll get training in exchange for it. I’m frustrated that he’s not coming through for me. I’ve given him several chances to back out and I wish he would back out rather than leave me hanging.
Stalled. Like everything else in my life.