I received a call from my lienholder asking if I'd like to do a "workout" (not of the gym-going kind). I have already requested once to have a restructuring of my mortgage but was denied due to my income level. Apparently now it's different because of Obama's policies... the representative did a pre-pre-qualifier and determined that now I *do* in fact qualify to apply for a workout. Strange. I filled out all the forms and faxed them in a couple days later, if I'm successful then I'll be able to restructure the mortgage to a payment of roughly $550 a month (which I can afford).
The potential issue here is that Kenny is also listed as a borrower on the account, so I'm not sure how that will affect things. He said he might be willing to sign a quit claim, but he'd prefer if I refinance the house to get his name off the mortgage - well duh, of course I'd rather get his name off the mortgage, only because it makes things much less complicated in the long run. I'm hoping that GMAC will let me refinance and restructure at the same time, I have enough saved that I should be able to pay closing costs and I'm willing to buy the house for more than it's worth just so I can keep it. I know someone who has done a restructure, they are put kind of on a trial basis until they prove they can afford the payment and then they will be allowed to refinance (same situation, there was a divorce and they need to get the ex-wife's name off the mortgage).
I saw Kenny yesterday, he sold his car and needed me to come sign the paperwork since my name is listed first on the loan. He seems like he's doing well now and I'm happy for him, I miss his company on a friendship basis. I think the right thing happened in us splitting up, he really is better off without me.
He told me that Jean-Paul left Joy (hallelujah!) - speaking of people who are better off splitting up. I'm torn if I should call him or not, the last time I did it wasn't such a great conversation... he just said he was mad at me and didn't want to talk. Maybe he's still mad? I'd like to be able to offer support but I'm not sure if he wants it from me. I told Kenny to ask Jean-Paul to call me, I hope that I hear from him.
If you're reading this, Jean-Paul: I love you and I miss you. I'll always be your friend, even if you never talk to me again. I keep your daughter's picture on top of my computer. For some reason I just started to cry.
We talked to Steve's parents about moving to the duplex on their property... Steve can't seem to decide what he wants to do but I am tired of waiting. I printed out listings for several rentals and I'll start contacting them tomorrow. Finding a place here might mean I'm single again, but although I'd like to stay with Steve, I don't need a boyfriend. What I need is a place to live.
Kenny told me that Ellen is moving to Orlando - too bad we don't talk.
I hope that she got to keep her cat in the divorce.
I'm not the only one who has problems with their family.
Seems like parents forget... the acts of their children aren't always right or wrong. Sometimes they are just choices we make or places where we find ourselves. Shaming someone is not an expression of love.
As a side note: today I learned the word parricide!
