I Saved My Home From Foreclosure,by Standing up to Adversity and Winning! I want to help you to! March 6, 2009

My name is Holly. I am a housewife and my husband is a truck-driver. His name is Ted. We have 2 little girls 4&5 yrs. old and an 11yr old son. We bought our house about 2 years ago. We lived the American dream all of 3 days before my husband was laid-off, due to gas prices soaring. We didn’t realize what was about to happen. The same week my husband was laid off our entire plumbing system collapsed.  We had our emergency savings just in case something happened. We thought we would be covered by our homeowner’s ins.,our AHS warranty,and the inspection. No!  All 3 of those entities had loopholes to get out of their contracts. So our 4,000$ in savings for an emergency went to the plumbing.
My husband pounded the pavement every day looking for a job & I started to clean houses just to put food on the table. My husband found a job w/in 3 weeks, but the snowball effect had already started to take effect. The three weeks we went w/out income started a chain of bad times for us.

I went to the Gov’t to get some kind of food assistance. They informed me that since they go by my husband’s previous check stubs, we made to much money the month before to qualify.  Strike 1!  The next thing I did was try to put my girls on some kind of health ins. I was told since your husband will be getting a paycheck in 2 weeks, you don’t qualify for health ins. for your kids. I said “I can’t afford the 900.00$ premium a month through his work”, the gov’t says “he makes too much money to qualify for assistance”.  So we are one of those millions of AMERICANS that can’t get health ins.
Now there is the 2nd &3rd strike against me.  Now in the meantime I have been calling my mort. co. “SAXON MORTGAGE” and begging them to work with me, by this time our car had already been repossed.   I was not gonna let my home go w/ out a fight!  SAXON MORT would not work w/ me. I would send them money, and they would send it back to me .  So they have been giving me the auction day on my home, and the past 6 months I have been packing a pic-nick  for my girls and I go to the county courthouse steps and ask people not to bid on my home. Guess what AMERICA no one has bid on my home. So I think the mort. co. is gonna work w/me now we will see.

JUST WHEN YA THINK IT CAN’T GET WORSE!!!!

I am still on pins and needles about my house,but when you think it can’t get any worse, it does. You will never believe that 2 weeks ago, I am on the phone w/Roger Wicker’s office(running for senate)when I hear a scream like I have never heard before, it was my 4yr old Kendall.  She had broken her arm in half !!!  I throw the phone down and get my little girl to a hospital.

She ended up having to have surgery it was supposed to take 45 min. It ended up taking 2hours. Now I am terrified because one dr. told me that the pins would have to be surgically removed, and another dr. told me that they could be taken out in the office.  There is no way I am gonna let a dr. take them out in the office because it hurts. If I had health ins. or enough money they would do it surgically.  I do want to add that the dr.s at lebauhnner were awesome dr.’s.  They assured me that they weren’t gonna hurt her.  I didn’t know if I’d been duped by one dr. or not.  The dr. that told me the pins would’ve had to be surgically removed was at the 1st hospital I rushed Kendall to.  Anyway I’m just glad it’s over!!!

I AM SO GLAD  KENDALL IS BETTER!!!!!!

It has been a few weeks now since Kendall’s pins were taken out. It wasn’t as bad as I thought it was gonna be. She is doing fine and we will never get another trampoline as long as we live. We are still in the same position. We make too much money to get any health ins. from the gov’t,and not enough money to pay a 900.00$ a month premium through My husband’s job.
My home is still in foreclosure and I am trying to get a meeting w/ the ceo of morgan stanley John J. Mack. Morgan Stanley owns my mortgage co.Saxon Mortgage. I have learned that Saxon Mort. is benifitting from the 700billion dollar bail out. How ironic is this? My family’s tax dollars (400$ a week) is bailing out SAXON MORTGAGE, and they won’t except our house note.  How much sense does this make?  If SAXON MORTGAGE would’ve taken my money in the first place and started working w/ their customers instead of rushing to foreclose on everyone, they could’ve worked out payment plans for their customers. Now their customers are having to bail them out with no say so in the matter. It is not fair!  I do not believe that I am entitled to have a meeting w/John J. Mack ,but someone needs to tell him what is going on a Saxon mort. I don’t care who tells him ,but someone needs to.

THAT IS EXACTLY WHAT I DID !!!  HOLLYtheHOUSEWIFE TOLD MR. MACK WHAT WAS UP!!!

Now about health ins. the medical bills have started rolling in,since Kendall broke her arm. That is where we need to stand up and take 5 minutes out everyday and call your state rep. I know if enough people start flooding our elected officals office w/ phone calls asking them (or their office) what they are doing w/ our tax dollars then something will be done. That is all I’m asking.
All you have to do is find out who your rep’s,congress person,senator,mayor etc….. you get my point. Just pick out one of those people and put their # in your cell phone and on your way home from work, school, grocery store. Ask them, why our tax dollars (yes,yours and mine) are going to bail out BIG BUSINESS,MORTGAGE CO.,AUTOMOBILE CO.,when they should have just taken their customer’s money in the 1st place. Instead they decided to foreclose and reposess on people’s accounts, not realizing if they just would have listened to people’s story in the 1st place and restructure their loans and mort., they(BIG BUSINESS)  would not have to be bailed out by us, the taxpayer, we have no choice in the matter.
So, I propose,forget bailing out wall street. It is time for AMERICA  to demand,from our elected officials, BAIL US OUT !! Yes bail us  out !  ,HOLLYtheHOUSEWIFE,SAMtheSOFTWARE GUY.TEDtheTRUCKER(my husband by the way),andCONNIEtheCRANE OPPERATOR.
These are all real people with real jobs. We are the backbone of America. So we need to DEMAND that we be treated that way and start holding people accountable for the job they were elected for.

PS remember we are their boss. WE PUT THEM IN,WE CAN TAKE THEM OUT !  5 minutes a day is all it takes to get your point across.

Thanks for reading
HollytheHousewife

The Elusive Mr. Mack March 5, 2009

I wrote John J. Mack 9 letters and had them sent to him by certified mail. I sent each letter to his 9 addresses. Now I know I could have done it on the computer and have it look all professional,but I wanted mr. Mack to see I was a real person and not just one of his account #’s. The letters must have arrived on Sat. Me,Ted,and the girls were in the country for the Thanksgiving holiday(we had an awesome time by the way) and my phone doesn’t get signal in the boondocks. So when I returned home yesterday I had a voicemail from none other than JOHN J. MACK himself I could not believe it. He gave me his number and told me to call him at the office on monday. I can’t believe I really got through to him.

Hallelujah The Home Is Saved March 4, 2009

I never got to speak to mr.Mack directly,but I did get to speak w/ someone who put me through to someone else at Saxon Mortgage and her name was ms. Dee Sweat and she crunched some numbers and ended up giving me a hell of a deal. My home has been saved and I really can’t believe that I’m sitting here right now saying these words. I just have fought for so long that it really doesn’t seem real. I am so scared to uncross my fingers. I can’t believe that I finally really have a place to call my own.

Now that everything is taken care of (well except our car) I am going to STOP EXISTING & START LIVING If there is one lesson I’ve learned in all of this it is life is too short.Me and my family are gonna start to have a little fun. NO!!!! a lot of FUN.

I also want to let people know that if you put hard work and research,and,be willing to go down to your county courthouse steps you can do the same thing I am doing. It just takes a whole lot of pride swallowing.
About health ins. the medical bills have started rolling in,since Kendall broke her arm. That is where we need to stand up and take 5 minutes out everyday and call your state rep. I know if enough people start flooding our elected officals office w/ phone calls asking them (or their office) what they are doing w/ our tax dollars then something will be done. That is all I’m asking.
All you have to do is find out who your rep’s,congress person,senator,mayor etc….. you get my point. Just pick out one of those people and put their # in your cell phone and on your way home from work, school, grocery store. Ask them why our tax dollars (yes,yours and mine) are going to bail out BIG BUSINESS,MORTGAGE CO.,AUTOMOBILE CO.,when they should have just taken their customer’s money in the 1st place. Instead they decided to foreclose and reposess on people’s accounts not realizing if they just would have listened to people’s story in the 1st place and restructure their loans and mort. they would not have to be bailed out by us.
The taxpayer we have no choice in the matter.
So I propose,forget bailing out wall street. It is time for AMERICA to demand,from our elected officials BAIL US OUT JOEthePLUMBER,HOLLYtheHOUSEWIFE,SAMtheSOFTWARE GUY.TEDtheTRUCKER(my husband by the way),andCONNIEtheCRANE OPPERATOR.
These are all real people with real jobs. We are the backbone of America. So we need to DEMAND that we be treated that way and start holding people accountable for the job they were elected for.

PS remember we are their boss. We put them into office and we can take them out. 5 minutes a day is all it takes to get your point across.

Thanks for reading
HollytheHousewife

Here’s Hopin 2009 Is A Good Year March 3, 2009

I really do hope to have a better year in 2009. I wouldn’t relive 2008 if someone paid me a million dollars. my new year’s resolution is going to be: NOT TO SAY “IT COULD ALWAYS BE WORSE” every time I say that It gets worse. Granted I did welcome a beautiful niece into the world!!! Every single time I think things are gonna start looking up for me something happens. Over the christmas break I thought this is finally gonna be our year for a good christmas. Well guess what happened!!! MY hot water heater went out and flooded my house that I just saved. The very next day my washing machine broke and flooded the kitchen. I also got a call from a lawyer who is trying to get money from me. (I backed into a lady who was parked in a no parking zone) that happened when my 4 yr. old was in the hospital due to her broken arm. I pretty much told the lawyer to get in line because there are a lot of people needing money from me right now. I told the lawyer that I know the right thing is to pay for the accident. I just really don’t know how I can pull money from the air. Is this life? Is this the way things are gonna be from now on???? I just don’t know?! Then on the other hand I feel so guilty saying these things because I know there are so many other people in the world who would love to have clean water(forget about a hot water heater) I don’t know. I just hope that 2009 will be a little more forgiving to me than 2008!!!!! 

Ok . I gave myself a little pity party at the end of 2008.  I’m over it though.

When life gets you down you take a minute cry it out. Then you get up dust yourself off  and keep on Keepin on!!!!!

“After all tomorrow is another day” !

HOLLYtheHOUSEWIFE goes on the road!!! March 2, 2009

   Last week I had the chance to go on a run w/ my hubby (TedtheTrucker). I thought it was going to be a well deserved breather.  Well if anybody really knows my personality out there, you know that I can make a quick get-a-way into my mission. That is exactly what I did.  I started listening to “truckers”  piss and moan about how the AMERICAN people are sick of bailing out  BIG BUSINESS.  Well I decided to call them out.  I picked up my husband’s CB and just started talking!!!

        The first thing I learned was my husband (Ted) was ready to get me back home. I think I embarressed the HELL out of him.  The 2nd thing I learned was the rest of the    UNITED STATES of  AMERICA  (real people,real jobs)  are ABSOLUTELY,POSITIVELY,SICK and TIRED of bailing out big business. 

       I called them truckers out. I asked them ”why are you telling me your story over the radio?”  Start calling the people that WE (yes we) elected and tell them.  I told them it takes all of 5 minutes to put your rep’s # on speed dial and call them once a week.  Well  guess what? AMERICA! I think people are finally starting to listen to this little ole uneducated,barefoot,and pregnant (LOL) HOUSEWIFE!!!   When I returned home I had another 200 hits on my blog and some really good comments too. 

I really do believe the PEOPLE,the BACKBONE of  AMERICA can leave their foot print on this world IF  we ban TOGETHER and start holding our elected officials ACCOUNTABLE!!!!   I know I have said it before in other posts,but, WE really can make a difference!!  WE the TRUE BLUE AMERICANS can take 5 minutes out of our week and call your rep and say “IF YOU WANT MY VOTE NEXT ELECTION” you will do the job that you were elected for.  If not then say “I’M SORRY,but YOU WON’T HAVE YOUR JOB TITLE FOR LONG”  In the good words of  William H. Cosby(heathcliff)

“WE BROUGHT YOU IN AND WE CAN TAKE YOU OUT!!!!!”