Now Playing: Day 2876-Next GP Chapter... Turning Lemons Into Lemonade :)
Fall... Is In The Air...
At least what remainder of the fall that is in the air after a huge cold front blasted our little, lazy, river town.
It might be a good thing that Eric decided to wait a week before raking all the leaves. What hadn't already blown off the trees that surround our property. Those leaves are now long gone after high winds blew the rest of the leaves off our trees and landed them into our neighbors yard. OOPSIE! Our neighbor just had a landscaping company out at their property a few days prior before the storm paid us a visit here in the country. Like I said... OOPSIE!
Today was a picture perfect day and not too terribly cold to take the fur gang up to our local dog park. It was also a great day to take a walk on the trails. There are a lot of trails within a few minutes drive from our home. On my good days, I like to at least walk the trails in the morning. If time permitted, even another walk during the evening. With Babyblue quickly gaining weight. There are days when I can't walk her and instead have to hand the leash over to Eric. We are blessed to have such a smart puppy and very well behaved! There really was no potty training involved with Babyblue. Instead she instantly learned that outside is for using the bathroom after having an accident inside her crate. A mere 3 accidents in the house is really unheard of with a puppy. Babyblue is all around such a super smart husky. I believe that holds true for all rescues. They are a very special blessing!
With so many surgeries and routine testing lined up for the remainder of the year. Eric has been doing his best to pick up as much overtime as possible with the Sheriff's department. Just because you have health insurance does not mean you are exempt from high out-of-pocket deductibles. The county has a really good health insurance plan, however we first have to pay our yearly deductible before everything is covered at 100 percent. It can get to be very expensive with our out-of-pocket deductible at $5,000 per calendar year. We have to pay the first $5,000 before claims are covered at 100 percent. The end of the year is the worst time for Eric to try getting in as much overtime as possible. Everyone is looking for extra money in order to cover holiday gifts. Even on weeks when there is no overtime available. We still believe that in the end, everything will work out...okay. It always has for us. Where there is a will. There will always be a way.
This house has maybe not been such a blessing for us over the past year. However, the second lawsuit of the year will be officially filed tomorrow. Ideally, another lawsuit is the last thing we really need, but it must be done. There has been a lot that has transpired over the past year with this house. A lot of very unacceptable and quite shady things. Even with the bank that holds Eric's very first use of his VA benefits. A really misfortunate, yet really huge mistake that we found after the first lawsuit that began earlier this year. Never 'assume' that the bank that holds your mortgage loan and cashing your monthly mortgage payments are reporting those payments to the credit bureaus. Eric found out the hard way. Actually... I found out the hard way for him after realizing that the bank was not reporting his monthly payments that were being made on a monthly basis. All the way back to the very first mortgage payment, November 2016. Only a mere two payments have been shown being reported by the bank whom holds his VA mortgage loan. Not only is this a huge problem, but it is also literally destroying his FICO score. Not good.
After several failed attempts at trying to work with the bank on getting this huge issue resolved. It has instead went absolutely... no where. Even the consumers protection agency has gotten no where with the bank. Several failed attempts at trying to have this resolved without needing to go through legal means. Another lawsuit. Let's face it. This entire home purchase has been a complete nightmare. A huge mess in the making. But there is always a silver lining in EVERYTHING.
On my good days, this gal has been able to study real estate law, among other legal topics that might apply to us at a later date. Eric has also been doing his fair share of educating himself on legal matters. This is the second lawsuit where he will be going Pro Se. No attorney needed as he will be representing himself. We see no reason to pay for an attorney. Especially when we have medical bills and other medical costs that trump hiring any attorney. I am hopeful to be a part of this lawsuit that will be filed tomorrow morning. It's one thing to have dealt with such a mess, hidden lemon gems through out the first year of purchasing our home here in the country. But to have a bank literally refuse to report payments being made on your mortgage loan, is inexcusable. Until they fix the issues with not reporting payments being made. We will not be able to sell our home here in the country. We had no other choice, but to go the legal route. We are hopeful that the assigned judge to our case agrees. The only payments being shown reported, out of an entire year, are two mortgage payments. Where are the other 10 mortgage payments? Who knows?. Crazy isn't it.
I believe in destiny. I also believe in fate. I also very well believe in karma. Both good and bad.
Lessons we have learned over the past year, aren't such a bad thing, if you really look for the silver lining. We have learned a lot and have gained a lot. We have also educated ourselves in topics that otherwise would had never been opened. Legal matters at hand. This evening we took one final look over everything that will be filed tomorrow morning. A huge pot of dark roasted coffee and a few seasonal favorites to hit the spot after a long day.
A BLOGTASTIC tasty treat to share! Y-U-M-M-Y!