With bills beating on us, low employment, a broke down vehicle, a ceiling that may or may not withstand tonight’s derecho, a botched getaway and this fiasco with insurance on the house, I have come very close to hitting the brink; when, finally, a little ray of sunshine came my way in the form of an email from our attorney. Although at the moment it doesn’t help our circumstance, it does prove once again that God is always working in the background.
“Today I filed a lawsuit v. Ocwen Loan Servicing in the Ingham County [Lansing] Circuit Court. It was unnecessary for you to sign the complaint. For that reason we filed it today after I had finalized it early this afternoon.
The Judge to whom the case was assigned agreed with my request to issue a show cause order which requires Ocwen to “show cause” why the Court should not immediately order Ocwen to turn over the insurance check. The first available date for the hearing is July 10 at 2:30 p.m. The show cause order also requires Ocwen to respond to the show cause order 5 business days before the hearing, which is July 2, 2013.
Tomorrow our courier will deliver a copy of the complaint, summons and show cause order to Ocwen’s resident agent in Michigan [a law firm in East Lansing]. We will also mail a copy of these materials to Ocwen in Ohio. Ordinarily Ocwen would have 21 days after personally receiving the lawsuit paper to respond. However, as mentioned above, it must respond to the show cause order by July 2 which will be less than 21 days after Ocwen receives the papers.”
As I was starting to feel like I was losing my ability to hold on to my faith and have an outright sob-fest, I decided that before I totally let myself end up on the bed in a sobbing heap I would check my email. The joy I felt when I saw that there was an email from my attorney was instant, because I knew, from our previous correspondence, that the next time I would hear from him, it would be to let me know that they had filed the lawsuit to force the bank to give us this much needed money to fix our home. However after receiving this news, between the challenges of this week and the relief I received in this appropriately timed correspondence, I ended up a sobbing mess anyhow. Partly because of what was going on, partly because I felt like I had momentarily lost my faith and partly because, finally, after all that we have endured, we have a court date.
Faith is so hard to adhere to when life seems to continually kick you. I felt so utterly flawed when I couldn’t grasp firmly enough to my faith, not to fall into such a state of despair. I just have to remember that I am human, and therefore, I will always fall short of the glory of God. I usually feel so strong in my faith and today, I was a spineless jellyfish. Allowing all the emotions to build and have their way with my mind demonstrating what a weak creature I can be at times.
Now that the crying and feeling sorry for myself is over, I realize the blessings that have come out of that email. Every time that we have ever had to go to court, it would take anywhere from a year to a year and a half to get a date; by our attorney filing in state court and requesting a show cause order, we have under thirty days to wait, praise God.
I also have to be thankful for the fact that we are the only original players in this game. The bank players are different, the lawyers are different and the court system is different as well. This does not bode well for the bank that was sold the avoided mortgage.
I know that I have a long way to go in regards to my faith; today demonstrated that to me. However, I also realize that I can’t always be “Sally Sunshine” and that, as a human, things are going to get to me at times and I can’t beat myself up for being human. I know that I am faithful and I know that God forgives me when I don’t quite get it right.
Fighting mortgage fraud has taught me so many lessons; from learning patience with a federal court system that takes forever to get anything accomplished to understanding that the laws are not fair and just. It has taught me that I need to keep my eyes to God and understand that even though I may not understand why I am going through what I am, I do understand that there is a greater purpose. Let go and let God, as they say.
Although this week has been one of my rougher ones in a while, I have to say that I still am able to see the blessings that have occurred. What I discovered is that no matter how strong you think you are, there is a weakness in all of us; and sometimes it’s good to experience the weakness so that we can re-tap into our strength. It’s like my ceiling, once my husband poked a hole in it and relieved the pressure that was building up, it stopped falling. Crying once in a while about our circumstance is bound to happen as long as when it’s over, we get back to task, not letting our momentary pressures stop us from moving forward.