The Flog – The Fabry Log

I've been waiting to hear from our mortgage company. I haven't missed a mortgage payment EVER, until this past November. Then, after getting a nasty letter from them (and why wouldn't I?), I called the number on the sheet. They began asking questions they'd never asked before. The first time I called and explained the situation I was told there was nothing that could be done to "freeze" the mortgage until we figured out what to do with the house.

After answering questions, I was sent a list of about 10 things I needed to provide the mortgage company, including recent tests to the home proving it was contaminated. Boy did I have recent tests. I sent the material and waited. And waited.

Today, while sitting in the parking lot of Wal-Mart, eating a coney dog (I had a coupon), the mortgage company representative called and informed me that they were indeed "freezing" our payments for 3 months, retroactive, and would re-evaluate at the end of January. Our credit would not be trashed during this time as I had feared. I nearly cried. This gives us room to breathe and figure out what to do without that huge debt hanging over us.

A great way to end 2008, I think.

And the coney dog wasn't half bad either.