GUESS WHAT?!!!!

JUST FOUND OUT, WE GET TO KEEP THE HOUSE!
Nothing like some last SECOND drama and suspense LOL
This is a direct answer from prayer!
Thanks to everyone that prayed for us!
xoxo melzie

misc. pics and updates

This is a very nice random act of kindness give I got from my friend Debbie :) Thank you Debbie it made my day!

This is my fall fq collection! The top row I already had, the bottom row I won in Bren's Fall into Fall giveaway, along with the great Blessings potholder. Thank you so much Bren!

Here is the kitty we wound up keeping, Charmy. She is considered a 'dilute calico'. She fell asleep on my arm while I was typing on the computer earlier LOL

She moved to my lap and is now sleeping in this spot. :)


Well all that stress of waiting got to me yesterday, had a major meltdown and wound up in bed by 7pm. I feel better today, more able to relinquish control and just trust. Its hard, I am a control freak.

I'll update when I know something...
xoxo melzie :)

Manic Monday

Well today is the day before our bankruptcy discharge and still NO satisfaction from our lawyer whatsoever. I am on total pins and needles. I will be content to stay, I will be content wherever we end up if we go. But this limbo SUCKS omgosh I cannot hardly take it.

Got a new(to-me) car, its a 96 Bonneville, with GOLD SPOKE'Y WHEELS lol. Oh yeah I am stylin and profilin' now. ;-) Beats the heck out of driving D's 4wd pickup everywhere like I have for the past 3 mos.

I am considering trying to score free tickets to see Sarah Palin when she comes on Thurs. Crowd anxiety though is keeping me from doing it.

Its cold here 40 degrees for the high today, in the 20's the next two nights. We still haven't lit our furnace. Really just waiting to see if we stay here or not but also we can't afford it.

I am so on edge its not even funny. Off to pray for some peace...
Picture from our nature day...

Bankruptcy woes, any input?

Ok first off sorry this is so long in advance, but here is the deal. Basically our bankruptcy is almost done. Its due to be discharged as of Oct. 28. But we didn't know that. Yesterday we went to the finance company where we financed our truck through, and where we are still totally caught up and current on the payment, never have let it get behind. They called us last week said we were to a point where we could redo our loan and borrow more money. Well we are needing to buy another vehicle, something gas efficient and reliable for when Jordan goes to StL etc. We don't have anything right now that fits that bill. So while we were there we were talking about our bankruptcy to the lady we always deal with there and we were telling her that we were having trouble finding somewhere to move to, didn't know what we were going to do etc, she looked Danny in the eye and said CALL YOUR MORTGAGE COMPANY, I guarantee you they will deal with you at this point, they don't want another foreclosed house. So we came home and called, we've tried to call several other times and for whatever reason could never get a person. SO we get a person! Basically, long story short, our mortgage co. DID offer to deal, sent the offer of 6.9 to our lawyer who never disclosed it to us. Now, later in the game, when asked if they could do us even better than that offered 5.25%. That is a lower percentage than our original mortgage, which I believe was 5.9.

SO Danny calls the lawyer which the mort. co. said to do, to ask for a motion for a continuation on our discharge. The lawyer talks to Danny all seems ok, well then Danny left and the lawyer called back (this guy is a sexist butthead I can't stand him anyway) and basically was telling me that in his opinion, we need to walk away cleanly, let the discharge go through, and then try to buy the house back just like a new loan. I said well..first off I doubt very seriously they'd process us through as a new loan. He said why not I said because if they look at us as a new loan we've got a very very fresh bankruptcy etc. I said secondly IF THEY DID give us a 'new' loan there is no way they'd offer us such a reduced %. I said not only that but a 'new' loan is going to come at a large cost to us, new appraisal, closing costs etc. The mort. co. just wants to basically reaffirm our loan, pick up where we left off only at a much lower % and a much lower payment. He said of course they do thats the easiest thing on their part to do. SO then he got all snooty and said well just talk to Danny but there is no way to get this done before the discharge date, so the bankruptcy will close and you'll be paying $200-300 more to reopen it.

SO, I called my friend who is my bankruptcy guru who said FIRST OF ALL call the trustee on Mon. and tell him that your mort. co. offered to reaffirm for 6.9 and your lawyer never disclosed that to you. That alone should be enough to continue the discharge. She said also to tell the trustee that you and your mort. co. worked out a deal amongst your selves (since lawyer won't help you) and what do you do to get this worked out before the 28th.

PRAY FOR US we truly feel this is God's leading, that this is why all doors were closed to us in finding a home, in our town or not. Please pray for us to be patient and thankful no matter what the outcome :)

xoxo melzie