Lost my house today [View All]

[GiveMeFreedom]

Yep, Bank of America said I do not qualify for the making homes affordable loan program. It seems I make enough money, that my wife's and my income is $11.098.89 a month gross or $133,000 dollars a year.

WHAT THE FUCK???!!!!????

I am a construction worker, I admit I made great money when the housing market was building like crazy, yea it was easy to make $80k plus a year working 2200 hours or more a year. And my wife is a teacher who makes an easy $50K a year, so yea, $130,000 a year was good, damn good. That was right up to 2007. I knew before most that something was terribly wrong, as the big home builders where building less and buying less. I watched as my job went from 40+ hours a week to maybe 2 weeks a month of less than 40 hours. But the damage was done.

We had all ready bought our dream home in 2004

Sure we got caught up in the easy money, but we could afford it. We lived real right and happy. Making that house payment was too easy. So we took out a second.

Huge fucking mistake!@@!@#$

Looking back that was the straw that broke me.

My income has been severed by more than half and jobs for a 52 year old heavy equipment operator are so far and few between, that I have quit even trying. I really have no other marketable skill that pays as well as that job does and at my age employers are not really willing to train me for a well paying job.

Since mid 2008 right up to today right here in 2010, we tried to keep our home. At first we could not make payments or just quit paying all together. We hired one of those "we'll help you keep your house" agencies, that in a nutshell, did not work obviously, but they got theirs.

Then B of A (bank of assholes) offered us one of those making homes affordable trial programs. My wife and I where ecstatic, we would be able to keep our home. So in late 2009 we started sending in the trial payments hoping that we would finally get a break. We paid all three of the trial payments and have kept paying since, no lates and on time.

BUT NO!!!

I received a letter today that says we make to much money and should be able to afford the original payment, so no break for us. Of course at the end of the letter they acknowledge that we must be going through difficult times and wish us well?

WHAT the FUCK???!!!

In the letter, B of A said that after careful review of our financial statements (bank records, pay stubs, unemployment stubs, etc. over a years worth) they have computed that our gross monthly income is $11,000 a month or $130k a year.

Where the fuck did they get that fucking number from??? huh???!#@

As I look at my official U.S. government documents or W-2's for 2009, I notice that my total income for 2009 was $36k, $13k of it unemployment. My wife is at her $50K. Adding it all up, well you do the math. It is not no way in heaven, hell, congress, or B of A's little computer adding up to $133k a year.

I called B of A immediately and told them exactly what I made last year, as reported by my employers on my W-2's. Guess what?

It doesn't make a fucking difference to them what my W-2's say?????@#!@!!!@%$#

Are you kidding me?

I guess what B of A really wants is my dream crushed and my family to rent a home. They want us out plain and simple. So they come up with these imaginary numbers from only the Devil knows where and stand back knowing that I will capitulate and say..

Hey, Bank of America, FUCK YOU!!! I QUIT, YOU WIN MOTHER FUCKERS!

All in all it's probably a good thing. The house is so upside down in debt that I can see China outside my window. Rent in my area is around $1000 to $1500 a month, so we will be able to actually save money. The stress of being a "Moral Hazard" will be complete and I can own that, a relief really.

There is a lot of blame to go around about this financial meltdown and the shenanigans behind it. You can blame me for being greedy maybe, even stupid more likely as I did my small part to fuck up my American dream. But you have to admit I was not a big player in all of this, just another of the 13 million Americans who are finding out the hard way...

The Financial Institutions don't give a fuck!!! The government doesn't give a fuck!!! My Senators don't give a fuck!!!, My Congressman doesn't give fuck!!!

And I am starting to believe the President doesn't really care about main street to much either. Geez!!! imagine that!

So condemn me if you wish, call me what you will and have your way with my small intellect, I will just refuse to fix the potholes in your highways and hope they grow and grow!!

Now I need to figure out how long I can stay here and how much I can save before they come. Fuckers.

Rant over,I feel a little better, cya on the front lines of the revolution.