[shakycode]

Yes, I'm doing ok now. Thanks for the kind words.

Yes, the house foreclosed after 2 missed payments. Bank of America moved quick in my instance. I could have stayed in the house but I also lost my car and my house was very far away from my haunting grounds. Logistically it wouldn't have worked. Plus there's the fact that I couldn't afford utilities (in Texas you need A/C). I have no deficiency judgement as that was all cleared up after I was forced to file Chapter 7.

No, I never believed in credit cards. I always tried to carry a low debt load, at least as much as I can.

Yes I applied for public assistance, but since that year I made a good bit of money on paper I didn't qualify for government assistance. Trust me, I couldn't even get approved for WIC or Texas Lone Star.

I'm glad I was able to share my story with everyone. In America it's very easy to lose everything (and gain it back again).

These days I save as much as possible and live a very frugal existence. That's been my mantra ever since I recovered.

Cheers!

[kjackson]

Having gone through foreclosure myself, there is zero chance that you would lose your house after 2 missed payments.

[zymhan]

You're not necessarily right just because you went through a foreclosure.

[kjackson]

No but I'm necessarily right because I know how a foreclosure works. You don't lose your house after 2 months of non-payment, it takes months and there is a precise legal procedure that has to be complete. Mine was "fast" and it took 9 months.

[danyim]

I haven't experienced one myself, but much of the inquiries about certain facts (including kjackson's) makes me wonder if there were some artistic liberties taken when writing this heartfelt story.

[rev_bird]

Right-o. From below: "The car was already behind on payments, that part I omitted from the story. As well the house was behind on payments so I let it go to foreclosure. Not the wisest idea, but it happened."