UPDATED: Part II: I’m Losing My Home

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Screen Shot 2016-06-22 at 11.05.54 AMUPDATE:  I finally broke down and set up a Go Fund Me page.  https://www.gofundme.com/sjreidhead  I’m enclosing the entire link.  I’d love to have it Tweeted.

ORIGINAL POST: Evidently the HOA where I live is going to foreclose on me for owing $7500 in back dues.  I freely admit I owe them.  There are extenuating circumstances, though. (Part I)

I have been paying something on the HOA, when I have the money to do so. Things have been so tight, these past seven months, that I’ve had to borrow money to pay my power bills, along with a few other bills. It was not to be this way, but I am living on practically nothing. I wasn’t all that worried about even contacting you because I’ve been waiting for a timber contract to be fulfilled. I would then pay everything off, in full. That was to have happened by May.

As I explained to the board president on June 23, the only reason I have not paid the current bill in full is due to the fact that the lumber mills in South Carolina are now running a specific hard wood, and not pine or pulp, which we have. I have contracts from the timber company (I can provide copies upon request), stating that they will be cutting on two specific properties in South Carolina. The timber estimate from is at least $10,000. The estimate for another property is even more than that. I have been negotiating these contracts since February. The forester was to have been cutting in late April and early May, but must cut according to what the timber mills require. They currently are running a specific hard-wood we do not have on our property. I was to have had a minimum $25,000 in hand by May, at the latest, but it may now be at least October before the mills will be running the kind of wood that we have on our property. As soon as my timber check is in hand, the HOA will be paid.

Tonight, I am hysterical. The HOA board here  has voted to steal my home from me because I owe them $7500 in back fees. Like I told the board president the only reason I don’t have them paid in full is because a business deal which was to bring in at least $10,000 has been postponed for maybe 6 months. I have signed contracts. Loyd told me that was fine, no problem. He then called to tell me they were taking my home.

I resent being investigated and having them delve into my personal life and my finances. They have that right. They have the legal right to sell my home, which is assessed for $120,000 for $7500. Here in New Mexico that is their legal right. Never mind it is just a quirk which kept me from paying them.

I’ve reached the point where I no longer expect kindness and mercy from people. Everyone wants something for nothing. If they think you are in a financial crises, that’s an good excuse for them to make a buck off their suffering.

If I had insurance I’d go to the ER this evening. I don’t. Cathy said our mother is in such bad shape over this that she asked her if she needs to go to the ER.

I can live at my mothers home for awhile. In order to do so, I’m going to need to sell quite a bit of my furniture. Once I get down there, I won’t be able to come back into town because the car is in such bad shape. I’ll be stranded down there. My internet access will be extremely limited, so I’ll probably be forced to give up the blog I’ve had for 10 years. I can sit there and rot. Yes, I’m angry and I’m bitter. I’m in this situation for being stupid enough to believe that Commandment about honoring one’s parents.

We have land to sell. But, people sense blood in the water and refuse to pay what a fair price for it. I’ve come to resent men from Texas who think they are so much better than we stupid women. I’ve also come to realize that just because someone says they are a Christian, well, forget that.

Most frustrating is the fact that, if I lived somewhere besides New Mexico, I could be able to sell some Native American jewelry, pottery, and a few antiques and easily raise the money to pay the condo fees. But, here in New Mexico, forget about selling anything for fair market value. All anyone wants to do is cheat you, for a bargain. I’ve come to resent people here who are little more than pickers.

I have a Lucy Lewis pot to sell. Obama has one similar to it in the Oval Office. I have thousands in Acoma pottery I can sell. But, forget that – here. I have a magnificent Navajo gingerbread concho belt I paid over a $1000 20 years ago. It’s worth several thousand dollars. I have a Zuni inlay storyteller belt that is worth quite a bit of money. I have Native art to sell.

But – here, forget that. Yes, I’m angry and I’m bitter. I want a break. I’ll get scrap price for my sterling, I know that. I would love to have a viable sale, but I know how badly I’ll be cheated by Texans and summer people.

So, I lose my home. Stop on by in a few weeks and you can pick over the remains of my life. Yes, I’m angry. I’ve cried so much, there are no longer tears. All my sister and I have done is do what is right. We’ve both been screwed over by life for being decent, kind, and honorable.

I’ll be having a garage sale in a couple weeks. I’ll be selling my iPad, golf clubs, some jewelry, small screen televisions, along with other things. The last time I had a garage sale someone cheated me out of my 1989 classic convertible. He ended up paying me $27, then harassed and intimidated me to the point where I just gave up. But, that’s life in New Mexico. Actually, it’s life in the United States these days, where it is all about lying, cheating, and slitting you friend’s throat for their last crust of bread.

I have a beautiful set of Fritz & Floyd sunflower dishes I’d like to sell, but they’re worth at least $900 and I refuse to sell them to some picker for $5.00. I have incredible sunflower things. I’m in such a shitty mood, I’d rather break everything than have local pickers offer something for nothing.

I can’t even work on my writing beyond the basics. I can’t afford to get my good MacBook Pro serviced. I can’t afford the subscription to Adobe to pay for the program I need for layout. Damn it, I bought collectibles, the pottery and jewelry to be able to sell it as an investment. I’ve had suggestions to do a Go Fund Me page, but if I could just get a break, I could sell things and make a decent amount on them.

Right now, I’m so hurt, and angry and bitter. I’m exhausted. I can’t sleep. I just want this long battle for survival to come to an end. I am fully aware my future has been destroyed. I will never get the lost years back, and forget even thinking about getting the 17 books I’ve written these past 6 years published. Just come dance on the remains of my life. It sucks and now they’re stealing my home.

I’m tired and I’m crazed, so frustrated I’m not quite sure what to do.  Like my cousin said, I need someone on my side.  Apparently that isn’t going to happen.  At least she volunteered her son to come move me.   One thing that has happened since my rant and rave, I’ve discovered I know or am associated with at least 4 people who have been forced into bankruptcy by their HOA.

There needs to be a law.

 

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