The Post With The Hard Negotiations

For those of you who may not know the nightmare situation we have been involved in since December, mainly because I don't like to talk about it due to the fact the stress of the situation gives me hives, we are in the middle of attempting to short sale our house.

I say attempting since the act of actually completing this task is proving to be impossible due to a certain asshole bank that rhymes with Fells Wago blocking us at every turn. Somehow they seem to hold the fact my husband's father died, we make no money and our house is now worth about a third of what we paid for it as our fault and we just need to suck it up and take the fall. The hoops we have jumped through for over ten months boggles my mind and still we had no answer if the sale approval would come or not.

Then on Tuesday we learned our fate.

The sale would be approved...IF we paid the PMI a $10,000 promissory note.

This is Fells Wago's way of pushing the blame off of them and onto the insurers of the loan so they can sleep free and clear at night and not wonder about the poor little people they screw over on a daily basis.

We don't have $10,000. Nor do we have a way to pay that amount out over a number of years since it would mean adding another $140 to our monthly expenses. Our monthly expenses hardly leave room for us to eat as it is. Tack on another almost hundred and a half and I'll be losing weight through starvation. Plus, I really don't want to give these assholes any more of my hard earned money. They already have over ninety grand in interest from our loan, have ruined our credit and taken our sanity. And now they want MORE? I don't think so.

But, if we don't pay they won't approve the sale. And then everyone loses. We have to go to foreclosure and may be liable for the balance of our loan, which is a scary, scary big number. Our realtor who has been busting her ass to get this sale approved for over ten months wouldn't get paid. And the buyers, who have been patiently waiting to move into their new summer home for ten months would be back to square one with their house hunt. Even the asshole bank would be taking less due to the fact our house would not bring in as much at auction as the buyers are willing to pay.

Not that I care about them.

So really, we are stuck. Moral conscience fighting with reality.

We asked if they would accept $5000 and have yet to hear back (Yet another of my pet peeves about this whole process. They ask us for something and we have no time to respond but yet they can drag their sweet old time out doing things.) Five thousand seemed a bit easier for us to swallow. I hope they say yes because we would finally be done with this horrible situation. If they don't Charming and I will have to sit down and do some serious figuring and cutting. We are pretty bare bones as it is but some things will have to go in order to pay for this. Because it is looking more and more like walking away at this point would hurt too many people.

And I can't handle that hanging over my head.

Being an adult sucks. Big time.