Pulled Ourselves Out of the Fire

Looks like we are pulling ourselves out of the fire.  Just when I was wondering if I should be sending resumes out, knowing I probably wouldn't make much more in our rural area than I do now working from home, if I had to pay child care to work outside the home, it looks like if we sign on all the right dotted lines, we'll be able to get out house out of foreclosure. 

We tried to refinance for a lower interest rate before we were late but Bank of America required way too many thousands to close the loan so behind we fell. When we were three months behind, we sent them three months' worth of payments to catch us up but Bank of America returned them to us! They said it was too late.  Looks like they wanted it to go into foreclosure.

With hours cut at my husband's work since last Fall, paying all the past due school taxes that we didn't know were required here to be paid when we moved here a few years ago (imagine the penalty fees on those...yikes!), the trip to our homestate and then unexpected family here for Easter and then more unexpected family the week after, the money was flying out the windows, plus shelling out a ton on propane over the winter to keep us from turning into popsicles, it's been a financial storm for us for months. 

We talked to a debt consolidation place but get this - we don't make enough money for their help.  Huh?  They gave us suggestions - no phone service, spend less on clothing (with all our kids...we already shop at Walmart and Goodwill), and see about getting child support lowered.  They didn't give us any suggestions that were actually doable!

Now that the foreclosure process has moved to the courts, they are willing to refinance for that lower interest rate without taking our firstborn with the new mortgage papers.  Knowing how the economy is, how the automotive industry is (which my husband is in) and with foreclosures everywhere, why didn't they just do that last Fall when we asked them to begin with?  Geez!