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snarflebiscuit2 · 6 years ago

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Homeless Winter Wonderland In Indiana... Thanks Ditech... Release The Hounds Of HELL...💀🔥👹⚔️(#3)

(con't)...

Fast forward some & I began to run into more & more issues. As the problems started stacking up so did the worrying and stress.. big time... 😕😔

I was struggling trying to get on top of everything. I'd get one thing caught up & it seems like 2 more wud send me disconnect notices and threatening letters and there were late fees here, and some NSF's there, Here a $1, there $10, everywhere $100... Lol. Sigh... 😕

It's really amazing how fast that stuff can add up. Once things get behind, it's hard AF to get it all caught back up! The biggest problem I started having and is still the biggest thorn in my side currently since mom passed, is the damn mortgage! When we got the loan it was through Countrywide (now Bank of America). But over the years it got sold off to several different servicers. It went from;

Countrywide-->BOA-->Greentree-->Ditech

And I've got to say, Ditech has got to be THE worst one outta all of 'em. It's ok I guess as long as there's no problems or questions and they get thier money every month on time & without issue. But the second there's any kind of problem, that's when the Ditech Hell Demons come up from the depths to destroy, main, pillage & plunder. 👿👹

Basically, they're just fucking evil and it makes me & apparently most everyone else on the planet that is forced to deal with them, afraid to even call them because they're so damn horrible. Ugh... 🤬😕

Ok, enough ranting I suppose. They just continue to amaze me with thier incredible bullfuckery & insane hosebeastery. 👁️👁️

Anyway, longer story, shorter.. I ended up being 2 payments behind as of right now & by the time I'll have any money to be able to try to catch it up some more, I'll prolly be 3 payments behind. And even though my mortgage is fairly cheap by today's standards it still looks something like this:

361.31+18.07(1st late fee)+20(nsf fee)+361.31+18.07(2nd late fee)+361.31+18.07(3rd late fee)=$1158.14 MINIMUM, to get caught back up!

The 3rd one is gonna be late because I don't get paid until about the 20th of next month (Nov 2019), but the payment is due between the 1st & the 15th. After that it's considered late, end of discussion. So after much research & speaking to several different people about it, including a friend of mine that works for a very reputable bank & is a veteran loan officer (Over 20 years) & the VP of the branch as well, the best option for me is prolly gonna be either a loan modification or maybe a "moratorium" where they end up taking all the missed payments, late fees, NSF's, etc & putting them at the end of the loan. It would basically let me start "fresh" from the following statement due like I'd never missed a payment to begin with and just end up having a few extra payments at the end of the loan. It seems like a really simple solution, and it really is, but it would make a WORLD of difference to someone in my situation! It would allow me to catch everything up and stop all fees, calls, harassment, etc.

But, getting it to happen is a whole other story. It's not something that most servicers generally do (though it seems like it should be), & when they DO end up doing it, it's apparently a rare thing. So if you can pull it off you shud definitely take advantage of it and do your very best to stay on top of it. I know I will if I get blessed enough to get one!

I've always been severely TERRIFIED of becoming homeless. It just scares the ever-living FUCK outta me. Always has. 😥

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snarflebiscuit2 · 6 years ago

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Homeless Winter Wonderland In Indiana... Thanks Ditech... Destroyer of Worlds...⚔️🔥☠️ (#2)

(con't)...

So after some smalltalk and a lil catching up, came the serious talk and decisions. Mom basically ended up making most of the decisions herself by bouncing a few things off of me & her sisters. They stayed for a few days and I was finally able to get down there while they were at the hospital so I could see them before the had to leave the state.

The decisions ended up being that she would leave as naturally as possible while trying to also remain as comfortable as possible. That means a DNR. But also allows her food & drink as long as she was able to take it herself, not thru forced methods or tubes. This also went for any medications. Basically she chose to go "naturally" and when it was her time, not to try to bring her back or any of that mess. She just wanted them to let her go & get it over with. I think as much as she wanted to stay and make sure I would be ok, she was just tired & wanted to "go home".

Given her plateau status, the hospital told her she would have to choose somewhere to go, a longer term facility, because they needed the rooms & they really couldn't do much more for her. Plus it would be much cheaper and less of a "cold" environment for her. So she chose a Hospice. The home was called Abbie Bryce Hunt House, and her hospice team was from Premier Hospice. They were a great team & the home was also nice.

It was a large home, 2 levels. It looked like a large, wealthy family's home basically. They had everything on site. Kitchens, events, phones, gardens, movie nights, all that kinda stuff. Plus the hospice team came in frequently to check on & take care of mom's needs & to evaluate her to see where she was & how she was progressing.

Actually, she progressed very quickly after she was released from the hospital. I later realized why. When you leave hospital care and transition into hospice care, hospice doesn't renew most of the meds the hospital may have you on. They focus only on the "comfort meds". The things that help to keep you as comfy as possible, such as Morphine & Xanax. They no longer focus on preventive or maintenance meds. There's simply no point. People who are accepted in hospice are those who have a diagnosis with 6 months or less to live, generally. Many have chosen to no longer pursue alternatives treatments it experimental proceedures, etc. For lack of a better way to put it, they've basically ""given up" & want to just go quickly & quietly while trying to remain comfortable. I can't say I blame them though. 😕

So, after she got to the home, they continued & even increased her Morphine supply & started on Ativan to help with anxiety & also sleep. But other than that, there wasn't much in the way of meds or actual treatments. I visited as often as I could but I haven't had a car since my divorce and thus no way to travel aside from Uber, taxi or a friend IF I could manage to run one down, get in thier schedule & throw gas money at them too. Needless to say, Uber was my main transportation.

After about 2 weeks or so in the home we had went to go visit her on a Saturday and when we arrived she was gone. I asked where the hell she was because everyone knew we were coming. Oddly, noone seemed to know where she was. After several calls and a lot if profanity, I found out she had apparently fallen while trying to get from her bed to her portable toilet beside her bed, & they callef 911 to take her to the closest ER via ambulance. So we ran down the location and off we went.

Upon arrival, we hunted her down and spoke to her. It was at this point that I realized how badly her mind had begun to deteriorate. When I asked her what had happened, she told me she had fell while trying to turn around and sit on the toilet from her bed. Short & simply, logical explanation. But between me & several others asking her the same question, after answering a few times the story begN to change and then began to get really weird... 😕😥

By the end of the night, while speaking to her hospice nurse who had came with her to the hospital, I got a chance to hear the version she had told her versus what she had told me earlier in the evening. Basically, she told her that she had fallen...from the 4th floor...and landed and fell through the floorboards up to her knees when she landed.🤔😳😐 Uuhhhh...

1st, the house had only 2 floors. 2nd, it had a concrete slab, no wooden floors to fall through & no basement. 3rd, if she had fallen that far she damn sure wouldn't be in as good of shape as she was... You get the idea. The whole story was just looney. Then it quickly bled over into many other areas after that episode. And within another few days days, I got the call at about 7:20am from her social worker if all people, that she had passed shortly before they had come in to check on her that morning & give her her Morphine.

Everyone seemed to be rushing to try to find a way to get me to the home asap as I was texting & calling everyone to let them know she was gone.i was in shock and wasn't particularly concerned about rushing over to "see her body" before anyone moved her & before they called anyone to come take her to the coroner's office. I just didn't have an overwhelming urge to see her dead and cold stuff. I mean it was just her body, a container. My mom wasn't there anymore. She was gone. 😥

One if her sisters seemed very adamant that I should get there and see her before they moved her or took her away. She said I would end up regretting it for the rest of my life if I didn't. I tried to explain, but I have up. She wasn't listening. But she did wire me $500 so I'd have some money to be able to get around and take care of a few things that I was going to need to do pretty quickly. That was really sweet of her.💚

Then she asked me what we were gonna do with her body. I said she wanted to be cremated. She asked if I knew any places that were affordable & nice. She said mom's nurse had recommended a place called Neptune Society. I said it sounded familiar but I honestly had no clue and that I couldn't pay for anything regardless so it really didn't matter. Then she told me she was going to pay for it. I was surprised, but grateful.

So we chose them and they came to retrieve her body.after the paperwork & everything involved, things were in a state if... Peaceful chaos, is the only way I can think to describe it I guess. It was prolly the shock, idk...

Fast forward some and my ended up paying for mom's cremation, and my ex-wife of all people ended up buying mom a nice urn. The super generic, black plastic one that comes with the basic package my aunt bought was really hideous and cheap.i mean BAD. I guess even my ex (who did not get along with mom), Couldn't stand the idea (& prolly even just the sight), if that hideous plastic mini "garbage can" they were gonna send her home in. Yea, it was THAT BAD. 😕. Actually, I couldn't believe it when she said she was gonna get her a decent urn and to pick one ouy., That she'd just put it on her credit card. 😲

I was really blown away, & also very grateful! 💚 I only wanted 1 thing but it would figure that it was too expensive & noone could afford it, least if all me. Smfh... It was a ring they offered that had the fingerprint of your loved one and it came in either yellow gold, white gold or silver. But even the cheapest one, the silver, was about $780. That just seemed excessively ridiculous to me and everyone else too! Talk about taking advantage of someone while they're grieving and down! DAMN! 🤬. Needless to say, everyone was shitty and I was at the top of that list for sure. Not because I couldn't get it so much as that they would charge so much and take advantage of people in that situation they way they were. At least they offered to go ahead and take casts of her prints and put them in her file so they were there if I found I could afford it at a later date. That was cool at least.

Donut took about 2.5 weeks to get her taken care of and back in town & ready to be picked up to come home. Then it took another week & a half to get a damn ride up there to pick her up. 😕 So I got her home finally and set up in a spot if prepared for her. Then, slowly, my world began to implode and shit started falling apart faster & faster...

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snarflebiscuit2 · 6 years ago

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Homeless Winter Wonderland In Indiana... Thanks Ditech... End Of Life... 🔜⚰️👤(#1)

Due to a series of BS events, there's a good chance I may end up losing my home and becoming homeless. ..and the timing couldn't be worse, the beginning of winter.

Back in August of this year (2019), my mom passed after a long, drawn out series of illnesses. It started back on June 4th when after trying my best to take care of her needs at home & keep her as comfortable as possible, I was no longer able to keep up & we finally had to give in & call 911 to take her to the hospital. It was about 1:40am when she left.

She got situated & into her own room after a few days as they ran many tests and tried thier best to treat her symptoms and pull the excess fluid off of her body, legs & lungs that had accumulated. For awhile it seemed she was improving, but then she reached a plateau.

June turned to July and things remained borderline and everyone was really frustrated. She was better than when she arrived but not well enuff to go home. She was in limbo. This continued and they eventually spoke with her about her condition & the likely outcome; death, soon. They told her she may have a few months IF things went well during that time. Then came the paperwork and choices she needed to make. They call it an EOL form. End Of Life. Pretty self-explanatory. 😥

At first she called me to talk about it & get my input but it quickly got to be too much for me to deal with. It's really difficult trying to talk to your own mom about decisions regarding the end of her life and what needs to happen, how she should chose to exit the stage and what happens afterwards. I cried & broke down daily, usually several times daily. I still do most of the time.

She got some flowers, cards & even some visitors. Some from outta state. She enjoyed that. I knew she would. 💚 Her sisters came up from Florida as a surprise. They even surprised me, as I wasn't aware they were coming. They just showed up...

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