Finally lost our house....at least it's not because of drinking!
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Thread Starter
Join Date: Jan 2014
Location: Nevada
Posts: 523
Finally lost our house....at least it's not because of drinking!
So just a quick background to this story. Before I lived in Las Vegas my family and lived in a city near Phoenix, AZ. At the time I was with my company for about 12 years. I met my wife in Phoenix, bought our first house, had a child together and got married. So 2012 comes around and I get told I'm being laid off well everyone is around June and our last day is December 21st. The amount of time they gave for a notice was the only thing good about this. They offered a good severance package and I had a ton of vacation time stored up. All good right? Nope! December 21st is our last day before the doors are closed for good, so on my last day we say our good byes and I go meet my wife for lunch at her job. So she comes out and I see this strange look on her face and she proceeds to tell me "I just got fired". So let me get this straight I just got laid off a few hours ago and now you're telling me you just got fired. Unbelievable right? Gets better...A few days later I get word that not only did we get laid off but the entire company is now going bankrupt. Goodbye severance, goodbye all of my saved up vacation time..Good timing just before xmas!
A few months later I get offered a job in Las Vegas I take it and we move. We decide to rent our house out instead of sell it. Things were good for a while with our renters. We used a rental company to manage the property all good right...nope. I'll try to make this short...let's just say it didn't work out with them after about 6 months of it being perfect. The couple in our house got a divorce and the husband moved to Cali. They broke our garage door which they never said anything about, their dog they weren't supposed to have wrecked our carpets etc. Nightmare. Meanwhile they paid the rent so late it made us late with our mortgage payments. We got them out of there and got new tenants. At this point the house has gained a great amount of equity. Let's sell it. Can't...gotta get a loan modification. About 9 months go by dealing with it and our tenants move out so the house is vacant. My mother in law is kind enough to make payments for us on the soon to be new loan modification until we sell the house. Lot's of red tape in between so cutting to the chase so I don't make this longer.
Loan modification denied after all these months...what? In law says well request a reinstatement of the old loan and she would pay the balance and we'd just pay her back once the house sold because of the equity. So this morning the house was officially foreclosed on since our mortgage company did not want to extend and give us time to pay it.
I'm 24 days sober and to be honest I'm glad the house is gone. I wish under better circumstances, but it's one less thing we have to worry about. No drinking away anything here. We miss our old house for sure, but drinking isn't going to unforeclose the house if that's even a word.
A few months later I get offered a job in Las Vegas I take it and we move. We decide to rent our house out instead of sell it. Things were good for a while with our renters. We used a rental company to manage the property all good right...nope. I'll try to make this short...let's just say it didn't work out with them after about 6 months of it being perfect. The couple in our house got a divorce and the husband moved to Cali. They broke our garage door which they never said anything about, their dog they weren't supposed to have wrecked our carpets etc. Nightmare. Meanwhile they paid the rent so late it made us late with our mortgage payments. We got them out of there and got new tenants. At this point the house has gained a great amount of equity. Let's sell it. Can't...gotta get a loan modification. About 9 months go by dealing with it and our tenants move out so the house is vacant. My mother in law is kind enough to make payments for us on the soon to be new loan modification until we sell the house. Lot's of red tape in between so cutting to the chase so I don't make this longer.
Loan modification denied after all these months...what? In law says well request a reinstatement of the old loan and she would pay the balance and we'd just pay her back once the house sold because of the equity. So this morning the house was officially foreclosed on since our mortgage company did not want to extend and give us time to pay it.
I'm 24 days sober and to be honest I'm glad the house is gone. I wish under better circumstances, but it's one less thing we have to worry about. No drinking away anything here. We miss our old house for sure, but drinking isn't going to unforeclose the house if that's even a word.
Member
Join Date: Oct 2014
Posts: 1,327
Wow--sorry to hear about all of this.
I am really inspired that you and your family have been through all this stress and you have stayed sober. When life happens: that's definitely when the rubber hits the road.
Take care. Hoping that things smooth out soon.
I am really inspired that you and your family have been through all this stress and you have stayed sober. When life happens: that's definitely when the rubber hits the road.
Take care. Hoping that things smooth out soon.
Member
Join Date: Apr 2014
Location: Gulf Coast, USA
Posts: 2,229
Congrats on day 24! Sorry about your house struggles... You are right, drinking won't create a better situation no matter how you look at it. It will only bring you down.
Good job on staying sober through this.
Good job on staying sober through this.
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