Bobbi Jean Giguere
10829 South Yuta St
Phoenix, AZ 85044-1531
(480) 208-0284
August 4, 2009
Re: Bankruptcy Case #09-09592
Wells Fargo Loan # 0201095714
To whom it may concern:
Im writing to you about the situation with my home listed
at the address above. Im at a loss as what to do and have been
trying to save my home for myself and my 15 year old son since
I became unemployed on Dec. 18, 2008.
Let me begin at the beginning, on Dec.18, 2008 I lost my
job of 22+ years and then on January 12, 2009 my husband of 21
+years packed up and moved out due to his need to be single.
Of course taking with him the only income we had at the time.
We are still separated and after the bankruptcy is discharged
we will be filing for divorce ending 2 decades of our lives. I
was/am getting unemployment from the state of Arizona, but at
$240.00 a week it surely doesn't go far when solely supporting
my son and me. I'm trying but am finding it very hard to catch
up and keep up! I have also recently had to get food stamps
and state medical coverage for my son and me.
I made a $900.00 payment (almost a whole month of my
unemployment) to Wells Fargo in February 09 in accordance to
their plan. Ted also paid $500.00 in February or march and
told me he would "take over the house payments" so Joshua and
I wouldn't be out in the street. Well that was a nice thought,
but after that initial $500.00 he has paid nothing and I just
can't, due to trying to keep the basics on. (By the way that
money at Well Fargo is listed on line as "un-used funds!)
In January 09 I mailed and faxed all the information that
Wells Fargo wanted to do a "re-modification" on my loan. In
checking on the results I was continually told "they have 60
to 90 days to make a plan. In checking in March 09, I was
essentially told, "what paperwork", what re-modification?,
what are you talking about?". So I re-mailed and re faxed all
the paperwork again, and was told that "they had 60 to 90 days
to again make a decision. On June 17, 09, the 90th day, I
called and AGAIN was asked, "what paperwork?, what
re-modification? WHAT ARE YOU TALKING ABOUT?". So I AGAIN
re-mailed and re-faxed all the paperwork, just changing the
dates as the "supervisor" I talked to told me to do.
In the mean time of course, Ted and I filed the
bankruptcy, with a legal aid helping us with the paperwork. I
filled out the paperwork myself and did mark that I would
reaffirm the house loan, thinking Wells Fargo was working with
me. When we filed our paperwork with the court, they were
still in their "60-90 days" to help me. Then I get a letter
from their lawyer saying the filed for foreclosure on June 11,
2009. Before the 90 days was up! In calling Wells Fargo, I was
told "your in bankruptcy, we can't talk to you without your
lawyer". Well I didn't use a lawyer and I tried to explain
that to them. I got nowhere! Their lawyer just kept telling me
"to hire a lawyer"; I tried to explain to them that if I could
afford a lawyer, I wouldn't be behind on the house payments!
To no avail!
Then this week I get a letter through the courts from our
trustee telling me to "abandon the property". I can't do this
mentally, emotionally or financially at this time. It is and
has been my goal to save the home so my son and I and my
elderly mother who lives with us, but am getting NOWHERE with
Wells Fargo or their lawyer!
What can I do? Im willing to pay on the house, but right
now can't afford much and am getting very little help from my
husband, who at this point and time is "helping his Im hoping
by writing and explaining the situation to all involved, I can
maybe get some help.
I do plan on filling for divorce and asking for spousal
matinance, as my doctor is not releasing me to return to work
right now due to health and emotional issues. I am currently
looking into getting disability, but as of yet haven't.
Please please help me, I don't know where to turn or what
to do!
Thank you for your time!
Bobbi Jean Giguere
August 4, 2009
CC: US BANKRUPTCY COURT (brought in person)
WELLS FARGO MORTAGE (Faxed 8-4-09 to 803-396-6011)
TRUSTEE DAVID A BIRDSELL (Faxed 8-4-09 to 480-644-1082)
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