Zen & The Art of Foreclosure

A backwards account of losing every thing & yet no thing

dailyforeclosure

dailyforeclosure
Location
Los Angeles, California,
Birthday
May 05
Bio
This is a little bit foreclosure commentary and a little bit non-linear narrative recounting the missteps that led me to foreclosure.

MARCH 12, 2010 11:08AM

How Foreclosure Feels in Less Than 500 Words

Rate: 9 Flag
I am not certain how many days I have left until foreclosure.  I am not certain where I will move.  I am not certain how the final moments in my house will feel, whether I will cry tears of relief or tears of sadness.  Either way there’s a 9 in 10 chance a grown man will be crying when he walks out his front door for the last time.  I am not certain what the neighbors will think when they see me carting my things from the house.  I am not certain what they will surmise led to the foreclosure in the weeks following.  I am not certain if they will think about it at all.  I am not certain they will care.  My life is filled with uncertainties and it’s driving me crazy.  The only thing I am certain of is that I will lose my house and there is nothing I can do about it.  That makes me feel SCARED most days… and not in a “wet your pants” sort of way. 

Most days I don’t enjoy talking about my foreclosure. Most days I don’t feel like seeing or talking to anyone.  Most days my life feels like it’s going down in flames and I don’t want to face the world.  I don’t show up for parties, return phone calls or emails and will drop off the map at the drop of a hat.  Most days I walk out the front door and wonder if the neighbors across the street who just sold their house know I’m in foreclosure.  They must.  Any realtor worth a 6% commission would pull the records from the surrounding neighborhood these days.  Foreclosures bring down values of neighboring houses.  Oh gawd, they must know.  I cannot meet their eyes.  It’s too much.  It’s too hard.  Instead I look downward at my shoes and silently ask myself, “Do these sneakers belie my age in a good way or bad way?”  The answer doesn’t really matter.  Most days I’m going to feel EMBARRASSED no matter what I wear.  At least I’ve got Lady Gaga to keep me company in that category.  I’d feel sorry for the poor, little creature if she wasn’t rich and famous.  If ever the opportunity arises I intend to explain to her that true humiliation is when you live in a house you can no longer pay the mortgage on… for over a year. 

I have the worst kind of guilt: Catholic guilt without the Catholicism.  I'm really good at beating myself up over my mistakes but terrible at tending to the bruises afterwards.  A financial meltdown can do this to a person.  You torture yourself until you can barely function but thank your lucky stars that you still posses a modicum of emotional stability.  It is this tiny shred of sanity that allows me to retrieve the mail from the mailbox at the bottom of the front stairs by the curb.  It is this tiny shred of sanity that reminds me to feed the cat and empty his litter box.  It is this tiny shred of sanity that allows me to see the absurdity in a 37-year-old single man that treats his cat more like a partner in crime than a pet.  It is this tiny shred of sanity that explains to my brain the connection between taking a shower and smelling like an acceptable human being.  It is this tiny shred of sanity that gets me through to the end of the day until my head can rest gently on my pillow... so that a few, short hours later it can start all over again.  Damn that shred of sanity.  What it cannot offer is a sense of joy because sanity is a survival mechanism meant to keep things slow and steady so the boat doesn’t tip over and throw you into the ocean without your water wings.  The only time this isn’t the case is when a large, man-eating nightshade vegetable like a tomato is chasing you.  That’s when all bets are off and survival requires turning into the craziest bat out of hell imaginable so you can then run like one.  Oftentimes I wish I were facing a killer tomato instead of foreclosure.  The monotony of slogging through this situation feeling scared and embarrassed makes me feel... DEPRESSED

That was about 200 words too many which proves why describing what foreclosure feels like in less than 500 words is impossible.  The experience of living through losing your home is literally and figuratively complicated.  The same could be said for unemployment, bankruptcy or poverty.   When someone offers me the usual anecdote, “You’re not alone, a lot of people are facing foreclosure,” I desperately want to reply, “Oh good.  I hope it stays that way.  The more miserable, struggling people there are in this world the better.”  These types of anecdotes are why clichés like “misery loves company” enjoy such enduring careers in the modern English language.  People like myself going through tough economic times prefer empathy to sympathy.  I would rather someone say, “You’re going to get through this and you’re going to be okay.  I’m here.  I care about you.” 
Okay, that’s a total lie.  I’d prefer a friend say something like, “Here’s a duffel bag full of one hundred dollar bills… unmarked.  Consider it my gift to you.”  If you’re not one of the 1,011 billionaires on the 2010 Forbes Rich List or don’t have that kind of money then I’m not sure we should be friends.

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Scared, Embarrassed, Depressed. I'm in a similar boat and I have experienced all three. Today, however, I am DETERMINED. Please don't allow the depression to spiral any further. With or without help, try to focus on your next steps. SURVIVAL is what we are both facing now, and I know we can do that.
I'm sorry. I don't know what foreclosure is like, but I do know depression well and I know what it's like to want to cut yourself off from the world. I think you will get through this ok. The fact that you're still writing is a very good sign. Writing is one of the few things that has ever helped me get through the hard stuff. After I write something I understand better. Something is purged. It's not always enough, but it's a damn sight better than bottling it all up. I care. I'm sure I'm not the only one. If I had a duffel bag of cash....um.....I'd probably keep it. But if I were on that Forbes list I'd buy back your house in a minute. (Over a thousand billionaires?! Really? I can't even fathom that level of money) Keep writing- it's good to hear your voice even when things aren't going so well.
I am happy to see your post. I was worried about you. I was in the same shape as you several years ago & felt all the same emotions as you especially the Catholic guilt thing. I guess after being raised Catholic self-flogging just comes naturally. Your experience right now sucks. It really blows, but I PROMISE you it will get better. One day there will be an end to the nightmare you are living & you will be able to move forward. In my case it was temporarily to a motorhome, & I highly recommend the lifestyle to you my friend. It allowed me to regain my footing and desire to continue forward. I now live in a real house & although my cats are really happy to live in a house that does not move I still feel the lure of the road and the quiet that comes from no telemarketers or sheriffs at the front door. I hope peace comes soon for you.
Gosh. I'm speechless. I don't know what it's like to be in your shoes and frankly, I don't ever want to find out. It would be nice if someone shows up soon to force you out so you can move on to the next chapter in your life. Living in limbo isn't a way to live. If it was me, I think I would have walked away a long time ago because I can't handle the uncertainties. However, you have an emense amount of determination and that is what will pull you through all of this. Can you even imagine what life will be like once you're out of there and you don't have to worry about all of this anymore? Your mind won't know what to do.
You’re going to get through this and you’re going to be okay. I’m here. I care about you.” there I said it.. I am sorry I dont have a bag of money for you.. good luck, it will be over soon :-)
i am pissed that you and so many are in this predicament because the billions of dollars given to banks to keep their fat asses going was to help banks provide re-financing to help people keep their homes. That was a lie, apparently, or a pretty pipe dream that the government admitted they had no real power to enforce. How can it be that the government handed over that kind of cash without having a clear plan, backed up by an enforceable document? How can it be that Wall Street continues to thumb their noses at the American citizens and continue to enrich themselves with bonuses? I hope your limbo is cured by an offer of somewhere to live where you can be comfortable and ease your depression and stress.
I know it's no consolation, but of those 1011 billionaires, a decent chunk of them are unhappier than you. Money brings trouble, always has. I know of one billionaire who wakes every night in cold sweats and unbridled terror at the thought of losing it all, even though that's all but impossible. Billionaires commit suicide at almost the same rate as the general public.

Yet I too would leap at the chance for even a tiny fraction of their wealth. Hell, $50,000 would be enough to completely change my life, right?

Nope. Happiness and comfort come from within, and from other people. Money and things don't really matter if the other two are missing. Once you learn to be happy being poor, money will never hurt you again.

Platitudes, I know, but it's still the truth. Good Luck.