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» posted on Tuesday, January 13th, 2009 at 3:12 am by Lily

 

I Have 3 Months Mortgage Payment Due NOW

Pay Me!

I welcomed the New Year with the thought that January makes it three months that I have not paid my mortgage payment.  November’s payment got diverted to pay for car issues.  December’s went to pay for utilities.  And now January is here.

Instead of waiting for the threatening letter from the mortgage company, I called them.  As soon as I had entered my account number, I was immediately transferred to their collectors.  Their phone system happily informed me that the call is being recorded and any information obtained will be used to collect money owed.

Once I was connected to a live human I was immediately informed that I owed  THREE months’ payment, was I calling to pay all of that today?  I was also asked for my current address, phone number and work number.  I gave the mortgage rep the first two infos she asked for, but refused to give her the last.  “My work place does not allow us to take non-work-related calls,” I said.  She was fine with that. 

“We need to update your financial information,” she said next. 

“Ma’am, I am on my lunch break and I just really need to tell you that I will be paying November’s mortgage but December and January will have to wait.  I just don’t have any money.”

Apparently not wanting to jeopardize my employment (or they won’t get paid at all), the rep backed off.  She tried to make me commit to a time when I will pay December and January and I refused.   She then offered me a five-month payment plan so that I could get my payments current.   

I accepted.

Let’s hope this works!

How about you, are you late on your mortgage payments, too?  What did you do about it?

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2 Responses to “I Have 3 Months Mortgage Payment Due NOW”

  1. Kristen @TheFrugalGirl said:

    Jan 16, 09 at 7:28 am

    Oh, man…that’s rough. I hope the payment plan works for you.

    Thankfully, we are current on our mortgage.

  2. Lily said:

    Jan 16, 09 at 10:54 pm

    Yeah, and the late mortgage is just part of the story. There’s voluntary frugality like yours, and forced frugality like mine. :-) This recent rough spot is a humbling experience but has been a great lesson to learn by everyone in the family. What doesn’t kill me will only make me stronger, or something like that! LOL. Thx for reading, and see you on Twitter.

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