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My terrible situation

post #1 of 149
Thread Starter 
I haven’t been posting on TCS much in the past few weeks, mostly because my life has come down around my ears. I am staring at the worst thing that has ever happened to me, it will become a reality in 2 ½ short weeks. I am losing my home. I have been behind on mortgage payments for a while, and filed for bankruptcy last year. Then the car died, and I had to re-file. The lawyer filed the wrong papers, and without reading them through, I signed my name to a document that swore I had never filed a bankruptcy before, when in fact I had just months earlier. My mortgage company’s attorney jumped on that and filed a suit against me, saying it was a “frivolous filing†and got the US Bankruptcy court to ban me from filing another Chapter 13 bankruptcy.

I met with a different lawyer to discuss my options, since the previous one had been fined by the court and I was not permitted to stay with him as a result. He said I could file a motion to try and get the court to allow me one last chance, and it would cost me $5000. Then I would have to re-file bankruptcy (if allowed) and that would be another $800. And then, the hardest part. Besides my $925 monthly mortgage, I would have to pay the Trustee $550 a month. I can’t afford $1500 a month just to live in my house. Plus, I would have NO money to spare for any kind of emergency, house, car, cat or otherwise. And if I missed payments, I would still lose the house, and would be out even more money.

My only other option is to let the bank take it back. That is going to happen on 2/25/04. Then, Tybalt, the cats and I will have anywhere from 30 days to perhaps June of this year to find another place to live.

Where do you go when you have 18 cats? I could never, ever part with any of them. I promised them all that they had a home forever with me.

Our options seem to be: find a local house/townhouse/apartment that we can rent, in a complex that allows cats, and just not tell them how many we have, or pile them in the car and drive cross county to go and stay with Tybalt’s mom and her 8 cats in Southern California.

I wish I could keep the house, I just don’t see how it is feasible. The only other option is a miracle, to come up with the past due amount (which is about $30k) before 2/24 and get caught up to date on the mortgage. That is a “I have to win the lottery†kind of miracle, and I know better than to hope that it will come to pass.

I am scared, angry, embarrassed. I haven’t discussed any of this with my family, most of all because I don’t want to hear “we told you so†or other helpful comments. I am probably going to tell them that I decided to sell the house because it needed a lot of work (which is true).

Any suggestions that do not involve parting with any of the cats would be more than welcome. How do I find a landlord who will let us live somewhere with our cats? I know I can get a really good letter of reference from the manager of the local SPCA where we do the Petfinder work, he has been to our home and knows we are not collectors, the house is clean and the cats are happy, healthy and well cared for, not to mention spoiled rotten. Or do I throw it all aside, including the new job I started a month ago today, which I LOVE, and head west?
post #2 of 149
Just wanted you to know that you're in my prayers.
post #3 of 149
Thread Starter 
Thank you for your prayers, they are very much appreciated.
post #4 of 149
Wow, what a terrible situation to be in.
I can't even imagine what you are going thru.
Unfortuantely, I don't have any suggestions or advice.
I understand how you feel about your Kitties and I could never give any of mine up, no matter the circumstance.
My greatest fear is if I were to die unexpectedly, I worry about what would happen to them.
I wish I had an answer for you, but I don't think I do.
You and your Kitties are in my thoughts and I hope you are able to come up with a solution to your situation.
I know the feeling of bankruptcy since I was forced to file about 5 years ago.
Luckily, my situation wasn't as drastic as yours.
I hope you are able to come up with a solution to your situation.
post #5 of 149
Thread Starter 
There is no way on heaven or earth I would part with any of the cats. They are my children, and mean more to me than most humans do, including a good portion of those related to me. Tybalt feels 100% the same way about them. A friend of his told him last night that we should start looking for homes for the cats, and he just about exploded on her.

Wherever we go, they'll be with us.
post #6 of 149
Please don't be embarrassed! We're here to offer support & ideas, not to criticize - hard times can happen to anyone. *hugs*

The best I can suggest is to put out feelers for housing through people you know through the shelters, and fellow cat lovers. They don't need to know why you're moving, just that you need to move & find new housing. A lot of times someone will know someone who knows someone who has a property for lease.

Also, try to get letters of recommendation or contact phone numbers of people who have been to your house, who will vouch for your quality care of home & cats. Get a reference from your vet, saying that you keep the animals clean & flea-free. Having good references can make the difference for finding housing.

I've also had good luck in going & meeting with the landlord in person, before I bring up the subject of the quantity of cats. You usually have better chances if you can meet the person first & make a good impression, and THEN bring up the subject of pets & references. Then it's more likely that they'll say yes, instead of turning you down over the phone before they've met you.

The Humane Society has great info about renting with pets, and finding pet-friendly housing:

Honestly, I wouldn't lie about how many you have, except maybe the ones you're positive will hide if a repairperson comes over, or the landlord visits. It might put you in a tough situation later.

You're wonderful for providing a forever home to all of your cats, and taking that commitment to heart.
post #7 of 149
Thread Starter 
I couldn't lie about the number of them, they all love looking out windows and are all nosy as heck. The most I would do is refrain from mentioning the number, if I wasn't directly asked.
post #8 of 149
That might work.

Mine were a little easier 'cause they're all the same color. If you have any 'duplicates', that would help to lower the 'official' count.
post #9 of 149
Thread Starter 
Hmm well to the untrained eye, Blondie (buff) and Jules (orange) might seem the same. Romeo and Midnight are both black. There are 3 Abys. Question and Pan look alike. Coal and Polly are both grey. That's 11 cats looking like 5, that is a start!
post #10 of 149
Wow I'm so sorry you're going through all this. What a nightmare. I have no suggestions for you but wanted you to know you're in my thoughts and prayers. I sure hope you come up with a solution and can rest your mind at ease soon.

post #11 of 149
Thread Starter 
Thanks Tammie, I appreciate it. You guys here at TCS are the best! I keep telling myself that a door doesn't close in life without another opening, and there may be better times ahead that I can't see right now, but it gets hard to have faith.
post #12 of 149
Originally posted by Mom of 10 Cats
Thanks Tammie, I appreciate it. You guys here at TCS are the best! I keep telling myself that a door doesn't close in life without another opening, and there may be better times ahead that I can't see right now, but it gets hard to have faith.
I totally understand.
post #13 of 149
Sue, I'm still pretty new here, but you and your family are in my prayers. I don't know if this will help at all, and I'm sure you've already checked this out, but just in case. Have you contacted any pro-bono, or legal aid society programs in your area. In Hawaii, we have LASH (Legal Aid Society of Hawaii) they offer free legal advice, and pro-bono work to many who need it. I did a quick google search, and came up with


The reason I mention this, is that if your original attorney was negligent and mis-filed your second bankruptcy paperwork, maybe one of these organizations can file for you as a pro-bono case, avoiding the $5000 fee, and save your family and your furbabies a lot of trouble.

By the way, my wife had to file for bankruptcy a few years ago(before we were married). There is no reason to be embarassed, life throws us curveballs that sometimes just can't be avoided.
post #14 of 149
Thread Starter 
The hardest part of all of this was seperating the emotion from the logic. My reaction all along has been, "Oh my god, I can't lose the house!" and now I am trying to look at it more objectively.
post #15 of 149
Sue, I'm so sorry you have to go through this! I hope it all works out for you and you don't lose your house! You're in my thoughts!
post #16 of 149
post #17 of 149
I dont have much in the way of advice ...but i will be praying for you and the cats...hugz
post #18 of 149
I am so sorry that you have to go through this! That is awful

I wish I knew how to help you, but please know that you and your whole family are in my thoughts.

post #19 of 149
Sue, I'm so sorry you and Tybalt have to go through something like that. I'll keep you guys and your beautiful kitties in my thoughts.

I don't have any advice, but I will definitely be sending the best energy I can muster your way.
post #20 of 149
Thread Starter 
Thanks, guys. I know Board Magic has a way of working, so I will keep hoping.

Have a Powerball ticket for tonight, so keeping my fingers crossed!
post #21 of 149
Sue & Tybalt....I'm so sorry you are going through all of this! I can't imagine the heartache of it all. Please know that you all are in my thoughts, prayers & I'm sending mega good vibes your direction. I wish I had some advice for you guys, but please know that I'm thinking of you all.

Hang in there Sweetie! Sounds like you really need a hug right about now & I wish I were there to deliver it in person...but will this one do?
post #22 of 149
Oh Sue , I am so sorry ((((((HUGS)))))) and my heart is going out to you . I know how it feels like going through bankruptcy btdt about 3 years ago . But we were better off . First we went through credit counseling center service (sp) , where we had to pay a amount of money every month . It went well for a few years . Till my hubby's dad was passing away from canser and my husband had to fly up north to say good by to his dad . Well , no need to say that it messed our payments up and they end up troping us like a hot potatoe . Then we had to file the bankruptcy and was no way out . So please don't feel bad , that happens in the best family .

Maybe you can rent a Doppelwide Trailor , it is usualy a lot cheaper to rent . I don't know how it is where you are , but here it is twice as cheap then renting a house .

Also my friend Goldie , when she rented a house and the landlord said yes to cats and had no clue how many she had . Well , he come by one day to look at the house . He almost kicked her out , she had over 20 cats . They all have feline leukemia , so we are talking about special needs cats . He wanted her to get rid of the cats . Goldie was in for a bad time . So the deal was that we ( hubby , I and my son ) went and build a cat enclosure with her financee on the 4th of July last year together so she could keep her cats . I have to say that it broke her heart bringing almost all of her cats out there , she was aloud 3 cats in the house . Yes she was cheating and kept more insite , the sicker once .

But please hang in there , both of you . Remember , after the rain the sun will shine again ((((((HUGS)))))) to you and Tybalt
post #23 of 149
I forgot

I will be praying in my prayer times for you
post #24 of 149
for what it is worth, I have heard forcloseures can take a while.
post #25 of 149
Sue, I'm sending many positive vibes and prayers to you and Tybalt. I'm so sorry you're going through this.
post #26 of 149
Sue.... I am sorry I dont have any advice for you with me being an apartment renter and all.... But I just want You to know that You, Tybalt and the kitties are in my thoughts and prayers and I hope that helps. Because You both are kittie Godsends. ((((((Hugs))).
post #27 of 149
Oh, Sue, I'm so sorry to hear of your situation. ((Big Hugs)) and lots of *it's gotta get better!!* vibes to you and Tybalt.
post #28 of 149
I really felt your pain when I read this Sue. This must be such a hard thing to go through. I know if it were me I would be really freaking out. I wouldnt part with my cats either. I worry about just being responsible for 2.. I cant imagine 18.

I dont think I would pack up 18 cats and drive cross country, to live in a house with 8 more cats.. that's just way too much stress. Whatever you do I will hope and pray that it all works out for you and your babies. There are a lot of apts that accept pets.. and if the landlord doesnt live in your building I dont think you'd have a problem. Someone posted some great apartment finders websites that accept pets.. I wish I could find those links now.
post #29 of 149
I'm so sorry to hear about your troubles. If I had the $$ I'd send it right to you! I know with the TCS vibes, it'll all work out.
post #30 of 149
I know a lot about how you feel, even though I am only 17, my mom and I live alone in a crappy house in a bad neighborhood with 2 dogs and 9 cats. We just finished filing for bankruptcy, our mortgage company sold our house on "accident", eventually we got to keep the house but it caused a lot of trouble. Maybe if someone in your family could buy a hud home, or foreclosure for you, and then you in turn pay mortgage to them? Our HUD home only cost 91,000. Thats all I could think of though, I am really sorry you have to go through this. I know you will find a way to live somewhere and keep all your cats, hopefully not secretive either, because that could drain you fast. Good luck, all of us will be thinking of you!
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