well, we were trying to get this figured out, but it is what it is. We are losing this house. I wish I could say it was a bad thing. It is bittersweet, because we had so many dreams when we moved in. We bought it right before the housing bubble burst. There are 6 out of 20 houses on our street that have the original owners in them, and 2 are owned by churches. We won't even get 1/3 of what we owe on the house at the auction. The bank that holds our mortgage has done every single thing possible to make this happen. They tried it six months after we bought it. We were not behind, had never missed a payment, and it took 2 yrs to figure out why - but our first notice of that was an auction notice. They had sent us letters giving us the option of making 2 payments a month, each half the amount we owed each month. We declined, and even sent papers in to decline. They wanted it anyway, but they wanted the 2 payments to both be the full amount. A lawyer was able to prove we did not agree and that we were not behind and we did not ever agree to pay double mortgage payments, but that was days before the auction agreement. the president's loan modification program is a total joke. we have applied 9 times, each time paying for overnight delivery because that is the only way they accept the paperwork. We tried another time I am not counting and used regular mail's overnight delivery but it had to go through some other company's overnight - i can't remember if it was ups or fedex, but using any other service meant that no one would accept the paperwork and it all come back to us. every single application was denied for a different reason. We were not behind, we were behind, we were not behind enough, our payments were not high enough to be modified, husband made too much money, we heard one stupid thing after another. At this point I just want out of here. I feel trapped. it was to be our fresh start, our new life after the struggle of grad school and the worse of it with Wiz. It turned into a great big mess. the electric doesn't work in the living room and no electrician can find out why - we have paid for ten of them. The water pump died 2 days after the warranty expired, but the company did replace the pump but not the labor (special deal because I threatened to tell every contractor here about the fact that it happened at every house in this development including the builders - knowledge is power), and so many many other things just broke or died way beofre they shouldn't have. We did the maintenance as suggested by the manufacterers too. I worked hard to get all that done until I gave up a year ago. You know what surprises me? Underneath the sadness and the migraine from the giant storm we are getting (storms always do this to me), somehow I still have hope. we will do bankruptcy to get out from under the loan. We tried every single legal way to avoid it, but it makes no sense to try to pay this off when the bank had zero willingness to even try to help. Our bank is a huge national one and is doing this not to us but to MILLIONS of homeowners across the country. they got a giant payoff from the government and used to to turn around and ruin people's lives. That was not an accident, not by a long shot. I have faith that the next chapter will turn out to be pretty interesting and that we will figure something out and will have a future. i want out of this house, and I probably won't pack everything and I am sure the next owner will have a ton to clear out. no, it isn't nice but they will probably get this for about half or less of the appraised value and I just don't want to reward the bank so this house won't be appealing. I physically am unable to do most of the moving and I know my husband. there is no way he will take stuff out of here just to get rid of it later. I will post on freecycle a day before we leave that people can take anything in the house. There will be usable stuff we won't have room for. as it is, we are getting a storage unit to put the boxes in. The kids won't have to change schools because there is only 1 school for the whole town once you get out of elem school. that is good. My folks saw the notice because they read the legals to see if exsil is in trouble every day so that they can protect my niece. They saw it and called. I don't really WANT them involved, but it is nice to know they care enough to offer. I won't live wth them, or take a lot of help, but the thought is nice. i would rather move with just my clothes and books and stitching stuff than have them help after the last fiasco and the things that were said after gfgbro hurt us for the last time. some fences can't and shoudln't be fixed, and htis will not get gfgbro back into my life, regardless of what kind of truck, trailer or resources he would offer. I am not going to hurt my kids by bringing hm back. Esp not after thank you woke everyone up screaming just 2 nights ago for bro not to hurt him. thank you never remembers the nightmares the next morning, but I won't ever forget them. I may not be around much for a few weeks. wish us luck!