I’m telling you it never stops raining crap down when you’re on the slippery slope of financial disaster. Like I told all of you we have filed for protection under the law otherwise known as bankruptcy. I see now why it has two names; bankruptcy gives the bankrupt very little protection. Check this out….Your attorney has you fill out a butt load of paperwork, bring in all of your bills and as a demoralized human being you don’t even question this, you simply comply. Well what they do with all this information is contact your utility provider’s along with all the other creditors. The court tells the creditors that you intend to continue to pay for your home, second, and car. However they fail to tell the utility company that you intend to continue to pay them.
PSE learned about our bankruptcy and pulled out all the stops to push us into the streets and mess with my family life. When I called them to find out what happened to November’s bill they told me my husband informed them we had filed bankruptcy; I went off. I called my husband who had no idea what I was telling him, he called PSE and they gave him another story, I called them and got another story, but no information about my November’s bill. They did tell me that they found the payment for October, took that payment and closed that account then applied that payment amount to the new account they opened and applied those funds to the deposits that are required for a new account.
By doing this they are trying to avoid the bankruptcy by opening new account that we did not know about; then threatened me when our idiot of an attorney told them that he was going to file against the new account; I have no idea if that is true, PSE has told me so many things. PSE told me if that happens they will close that account and create a new account and add more deposits. Neither side seemed to understand we intend to pay the bill; we’ve been paying this bill for 7 years and yes sometime we got behind up to the tune of $600.00 when I was in the hospital, we got that bill caught up and thought we were moving forward.
We thought wrong between our idiot of an attorney and PSE’s greed we could end up saving our home but have no utilities to enjoy it. I’m trying to get a loan modification out of Wells Fargo, best of luck to me. I’ve been assigned a loan counselor and this one must be a huge winner. Her box is always full and she is unable to accept your call or message. I knew going into this thing with Wells Fargo I was going to need to fight for my home as they do everything to stop any modification, and right out of the box they found a person that won’t respond, at least she’s an equal opportunity non responder. I don’t see the point to the game, Wells Fargo has a glut of foreclosed property, and that’s dragging them down. So we both get to swim in the muck, however their muck is warm, while I’ll be sitting in the dark trying how to pack my Kia.
Good grief when does it stop. I have facebook pals that have lost everything and are living in a room somewhere or not knowing where they are going to sleep. It’s a killer, they have walked this path I’m now walking and are living the results yet find the time to encourage me. Being a Gleaner (dumpster diver) I’ve met the most remarkable people they have shown me where to get the best food, collect the best trinkets to sell at a yard sale, how to survive and maintain some sort of dignity. They have managed to keep their families together, kids in school the whole nine yards and are doing it from a room or their car. Never at 56 did I think I’d be in this spot and have many friends that have less and give more. I talk about these remarkable people because I whine so much, I want everybody to know I see what is happening and walk among my future; I only pray I can do it with the grace and dignity they have maintained. Please don’t think I just take, trust me they give more than I will ever be able too, I wash cloths and we use my yard for sales, showers, hot food, and good conversation. May the lord bless us all.
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