you guys, i'm so sorry that i haven't talked about our house, or the situation at all lately. i seriously forgot that a lot of people have been finding my blog when they search about losing their home, short sale, foreclosing, how bank of america sucks hairy balls, etc. and i forget that y'all want to know just WHAT THE HELL is going on.
we DID stop paying, like i mentioned in this post here. (all the posts about our house, and deciding what to do, etc are here)
so we stopped paying. it's been, what, 5 months i think? yeah, i think that's right. we are still paying our home owners insurance (someone asked about that), but property taxes are another story.
ideally, we'd still like to work with the bank. we don't have a lot of faith that that will happen, but we don't really know for sure.
we have looked into a short sale. we will definitely pursue that option if we have to, but right now, we're waiting. there are a lot of things to think about- if you sell your house for less money than you owe, can the banks come after you for the difference? or are you liable for the difference on your taxes (filing the difference as income). there are all scary questions that you have to find out. each state is different.
and really, i don't know how all you people who have put your homes on the market do it! it freaks me out to think about strangers traipsing around in here when we aren't home. what do you do with your things? it just feels so violating. eeeek.
anyway, it's still stressful. i wait everyday for that letter to come giving us a time limit to get the hell out of the house. when it comes, i'll make sure to post about it.
right now- we're just waiting. unsure of what is coming, or when exactly. i wish i had more to tell you. i mean other than the almost daily phone calls (that AREN'T even from the bank mind you, but a collection agency who has no power to make any deals because they AREN'T the bank), there isn't much going on. which is both a blessing and a curse. i try not to think about it.