Mortgage meltdown

I have been in talks on the phone with my mortgage lenders as my monthly payments have been overwhelming since I was on sick leave for four months and not able to keep up with my mortgage. Foreclosure looms in the distance and I have done everything possible to keep from losing my home. Downey has received my packet information for a loan modification but it will take four to six weeks to process. In the meantime, I am to call back every week to check on the status of the packet and where I am in the process. There is no foreclosure date, yet. I am hoping that they will modify my loan to where I can pay a respectable amount a month and not some outrageous sum for the next year or two. I have made up my mind to try to sell my home and just be a renter. I am totally satisfied with that. I have retained my realtor who sold my father's home in Pacifica and found this nice house in Daly City complete with an in-law apartment downstairs. My oldest daughter, Nani, who rents from me has not paid me any rent and I have told her that I cannot support a 24 year old! I suggested that she go and live with her boyfriend, Sergio, who she has recently gotten back together with and has been seeing. I did catch him on my front door stoop trying to leave an overnight bag that she had forgotten and confronted him about her staying with him. Like any man, he made up excuses that he lives on his own and likes living by himself since his mother moved back to Central America. But he calls my daughter when he wants to spend time with her to stay overnight at his place. Well you know what, Sergio? Take her, the hell, with you! Then I wouldn't have to see your free loading butt in my house! I did tell my daughter that when we sell this house, I will be moving into a 2 bedroom apartment for my son and I only. She's welcome to stay with us, but it will out in the front living room. It is very hard to live in California to afford a home or apartment here. Adult children moving back in with their parents. Children don't want to help their parents out with much especially if the adult children's money is going to important things like, partying with their friends. They eat your food, use your laundry detergent and have no decency to respect your home. It's the "GEN-M's" Generation moochers! I'm only speaking on behalf of my daughter. There may be more out there like her but then again, I know that there are alot of other self respecting young adults who do have their crap together and know what it takes to make it out in the world. Some just take a little longer.

Where have you been?

It has been some time since I have posted here. I have many half written and almost finished posts that I need to set up to send out but have not had a chance to do that. Work has been tremendously busy as well as my life. My taxes were sent out on the due date online only to be rejected by the IRS due to the father claiming my son on his taxes as a dependant and for what? The boy hardly sees that dead beat anyway. After re-submitting the paper and extra documentation by snail mail, I will again wait for their decision.
Also, I am trying to work out a lower payment factor in my mortgage in the hopes of NOT being one of the millions of homeowners who are walking away from their properties and mailing in my keys or the so called "jingle mail" syndrome. Gas prices are high, food prices are even higher. My grocery bill has gone up by at least $50.00 more than usual and we've scaled back on our buying strategies and sticking on what we really need or are going to cook for the next few days. I'm stocking up on soups since that is relatively cheap but loaded with sodium and only for a raining day to fill in.
I've been picking up lots of hours at work and padding my paycheck to counter the rising prices of our economy but it's a no win situation. Just try to stay afloat and surviving.
My RA has been easy to work with as long as I am taking my medication. Granted, I missed my Humira by three days and I'm hoping that it won't be a big deal when I take my second dose this month, on-time!
Beatrice finally got her annuity rolled over into an IRA and is very estatic about that but in the same breath, she found out a very good friend and choir sister has passed away today and is feeling very sad about that. I'm hoping that my life will start to unwrinkle the numerous bumps in the road as I go along and trying hard not to think the worse.