I greet you as sun sets over Pacific Ocean. Big thanks to all of you who remembered my birthday. Your e-mails and messages warmed my heart. Yesterday I did something different for my birthday: went to a home loan modification workshop in Riverside County, a 2-hour drive on surface streets from where I live. Twisting through canyon roads, passing thousands of heads of livestock I motored toward Wind of the Spirit Church, the venue which was hosting the event. Upon arrival a woman asked for name of my lender, looked momentarily nonplussed when I stated it, and then told me to sign a sheet marked by only five other people. Another woman handed me a number, directed me to a busy area where I could wait until lender called me.
Attendees occupied designated spaces devoted to Bank of America, Wells Fargo, Chase, Citibank, etc. Clutching numeral “6” I sat by myself in the empty section assigned to my lender. Most companies had individuals overflowing from their chairs but I had several rows completely to myself so I settled in one and placed bags in another. Like most women present I carried purse plus additional tote bag filled with documents.
In the next room Bank of America representatives wore matching red garments, another lender wore black, tray after tray of coffee circulated, documents changed hands, and people stayed in perpetual motion even while seated. When my number got called someone lead me past a team in grey blazers, through another team in dark green, into the midst of twenty more animated conversations, and finally to a location directly in front of church pulpit where one individual sat all by himself with no coffee, no paperwork, and a big smile. I shook his hand.
After finding pertinent loan information on his computer he asked how he could help me. “I’m hoping to consolidate the first and second trust deeds on my condo.” I told him. “Can’t do it.” he said. “We’re not a lender.” I smiled, he smiled, silence. “What are you?” I inquired after a moment, unable to come up with a better question. “We are a servicer.” he explained, supplementing his answer with a list of services which his employer did provide. “The holder of the second trust deed directed me to talk to you guys.” I told him. “According to them only your company can enable me to consolidate the loans. Are you saying that I have no chance of combining them?” He nodded affirmatively.
Conversation improved from there. Basically, he told me what I need to do without really coming out and saying it. I gained valuable insight and feel glad that I spent my birthday on this mission. As mentioned in previous posts I have been experiencing some financial issues and am trying to approach them proactively, even though I usually cringe when I hear that word.
At the event people in the waiting area had been carrying on quiet conversations, often wishing one another luck when number holders got called onto the main floor. I rarely find myself amongst kindred spirits – if anything, I have been feeling totally out of touch with most of society – but yesterday I fit right in. Despite presumable hardships (why else would you attend a loan modification workshop?) no one behaved brusquely, raised a voice, or had any need to call attention to him or herself. In Southern California, megalopolis built around clamorous entertainment industry, this qualifies as unusual.
Money issues have humbled me, made me more sensitive to my fellow man, and much more appreciative of blessings in my life. I used to fixate on acquiring more, more, more material “gains” but now I try to maintain a happy, harmonious home and help others whenever I can. Priorities have changed, flipped 180 degrees. I reflected on all this as I sat in the church yesterday, pondering loan modifications and yet another passing birthday. Very glad that I went.
By the way, everything seems to indicate that my mysterious non-lender qualifies as a foreclosure mill. They acquired my loan back in 2012 when I was dealing with a bad tenant, facing the very beginnings of health issues, and falling behind on mortgage payments. Even though I’m stuck with non-lender for now I feel a new sense of equanimity. Like Jeff Lebowski I shall abide – no point in sweating issues beyond my control 😉
Thanks again for all the birthday wishes. Hadn’t intended to type this long but yesterday seemed rather profound, mainly because I realize how much I have changed. Anyways, back to important stuff:
- Pics above come from Underground Violence gallery (starring Fightbabe Robin vs. myself) just uploaded to FantasyImageStore.com
- Onyx Castle is now playing inside Diamond Club Members’ Area with another new selection coming tomorrow
- Lip is healing slowly but surely. Should be able to start shooting customs within a week, I hope. Huge thanks to my custom video collectors who are waiting so patiently!
Hope everyone had a great weekend!
P.S. Do I look a little dazed in photo below? You would too if you went ten rounds with Fightbabe Robin..
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