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Can I Prevent Foreclosure On My Home?

Updated on August 9, 2015

Now, before you start feeling sorry for an old lady in the autumn of her life who is about to lose her house: STOP! I am actually relieved about this life altering event. I have enjoyed every minute of being in this house since 1984. It has served me well. It has brought me years of contentent and fulfillment. Now, it's time to let it go.


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I Fell In Love With This Old Florida Cracker House

It was love at first sight when I first saw the old house that was to be sold at public auction. It looked so similar to the house I grew up in. It had so much character! The house is an old Florida Cracker house that had been built in 1900 and served as a Guest House. That was before many motels were built. Families with children would come and stay in the house. So, each bedroom has its own entrance and private full bath. Oh, how I wish these walls could talk and let me hear the conversations that must have gone on, and especially hearing the children laugh that stayed here with their parents! When the day of the auction came, my bid of $3,000.00 was accepted and I got the house. I paid a house mover another $3,000 to relocate it onto a lot I had previously purchased. The house had to be brought up to present building code, so I spent another $65,000 to get that done.


The Finished Attic

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My Flower Garden

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My Roses

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I knew the house needed a lot of work, and I was so excited about getting all that done. I’m a big “do-it-yourself” person and I looked forward to painting, wall papering, sanding the hardwood floors, and varnishing them. There was an unfinished attic. I could just visualize turning that space into large room that would be all mine. It would have room for my antique bedroom set, a living area, another area for my sewing, my office and a bathroom. I took a legal sized pad up to the attic and drew my plans to scale. I just couldn’t wait to begin that task! I had pine paneling installed for the walls and ceiling. I wore out two belt sanders before I varnished all the sanded wood.


In prepping the site to receive the house, 15 pine trees had to be removed. I then brought in fill and shoveled it smooth.



My flower gardens are the envy of my friends. Roses grow very well in the yard, although most of my plants are grown in containers. I like that because I can move them around to different parts of the yard.


I'm A Big "Do-It-Yourself" Person

I am a very “crafty” person. I enjoy woodworking. I have power tools that most women would not know how to operate. The house has given me a perfect place to practice my creative handiwork. I always look forward to each day with a great attitude of “what will I do today”. I really think the house has been healthy for me. It has caused me to exercise much more than if I didn’t have it. Because my bedroom is upstairs and I am up and down many times a day, I’m sure that is why I have good calf muscles in my legs. I think going up and down ladders to do all my projects has help to keep me limber and fit. I have never spent a bored day in this old house. My children love to bring their friends over to “show off” my house and all I have done to it. They refer to my old house as “Mom’s Museum”.



Now I'll Explain How I Got Into This Situation

To better understand the reason I’m going into foreclosure, and how I managed to get myself in this situation, I’ll have to go back in time, where it all began.

After the unexpected death of my husband, I sold our house. I couldn’t bear to live in it. There were too many memories…I would see him just as though he were still alive. The house sold quickly, and with the proceeds I purchased a nice three bedroom house in the country. My four daughters had horses and the new house was ideal for us. After three of the daughters left home, I decided it was just too big and expensive for just the one remaining daughter and me. I sold that house and used the proceeds to buy a lot with plans to build a small house. I could have had a debt free home. If I had been smarter, that is exactly what I should have done. Real Estate in my area was booming. Banks had plenty of money to lend even though the interest rate was high at that time. I recall rates being around 14%.

I Begin To Accumulate Real Estate


I have always been interested in real estate. I took a Real Estate class and got my license to sell. I began going to seminars on how to build wealth through real estate. After a couple of years, I pulled out the equity in my house and became a landlord. The bank was only too happy to give me a mortgage. I then purchased a duplex with the proceeds. After a couple of years I pulled the equity out of the duplex and bought a larger rental property with four rental units. I now had two rental properties. At that time real estate was appreciating 10% a year. How could an investor go wrong???

I was so proud of myself. I saw myself as a very successful property owner. I was so stupid. I was just piling up more debt. What I didn’t see was the danger of having one or more units unrented. The rents I got barely paid the mortgage. So, I would have to use money from my savings to keep current. The books don’t tell you that you average about 10% vacancy rates on rental property.


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I Begin Going Further Into Debt

The properties I had plus my house were like “cash cows”. I just kept on borrowing more money and getting further in debt. I was lulled into a false security because I could always get MORE MONEY! By the time I did realize what was happening, I sold the rentals for just enough money to pay off the mortgages.

My house became the “cash cow”. My credit was still good, and my mortgage banker was still only too happy to see me walk into his office. But that was before I lost my job because of “downsizing” at the local hospital where I had worked for 18 years. Oh, dear…now I have no job and no pension since I was forced out before the mandatory 20 years.

As luck would have it, real estate values sharply and suddenly fell in my area. I found myself “upside down”, owing far more on my house that it was worth. I could not sell it and pay off the mortgage.

Now, the high flying real estate mogul was broke! Then I began to dip into the charge cards I had obtained when my credit score was high. The credit card companies kept offering me more credit and sending me more credit cards with higher limits. I was going in the hole about $1,000.00 a month, and living off the charge cards until the four of them maxed out.

I rented out three of the bedrooms to help make the mortgage payments. Tenants would come and go, leaving me with stress headaches and money owed to me. I could write a book about those experiences, but that’s another story.

Now I Get Advice From A Professional

Our state has an agency to help people keep their homes by offering free advice. They will work with the banks to obtain a loan modification that would lower the monthly payment, but I am beyond that. They advised me to take a “short sale”, but that would only pay what the appraised value of my house is: Not what is owed. I could see no advantage in that option. Foreclosures are quite common in my area, but they occur usually because of other circumstances, not because of foolish decisions like I have made. Even the nice lady at the agency said if I were her Mother, she would advise me to just walk away and not look back.


Part Of My Hummel Plate Collection

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I Should Have Time To Give Away Or Sell My Treasues

In my state I am told it is taking the banks at least a year before they actually evict the homeowner. I should have time to sell or give away all of the 100 Hummel and Norman Rockwell plates I have collected over the years when I was flying high and rolling in money. I filled my house with antiques that my children have absolutely no interest in. They have made a list of my things they do want, though.

Usual Reasons People Go Into Home Foreclosure

Reasons most people go into Foreclosure:


  • Job loss / unexpected unemployment
  • Sudden illness or medical emergency
  • Death in the family
  • Divorce or loss of second income
  • Excessive debt obligations
  • Job demotion or promotion denials
  • Inability to pay an adjustable interest rate that increases
  • Unexpected major home maintenance expense

Notice “Making Poor Choices” is NOT included as a reason!

My Famiy Is Very Supportive

Please don’t misunderstand. I have a wonderful family and I can count on them for moral support, and they would never see me hungry or homeless. They understand the stress I have been feeling and they agree this is only solution. One daughter has a cute little two bedroom apartment as part of her house. I will live there. She also has a nice big yard that I can garden in. I know she has selfish reasons, too. She knows I’ll have her dinner cooked for her when she gets off work in the evenings. I can keep her laundry caught up, too.

Well, this is my story of how I will lose my home of 35 years.


Just A Few Of The Family Albums

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Believe it or not, I am getting excited about decluttering and cleaning my house. I haven’t missed a mortgage payment yet, but there is no way I can pay the bank next month.

My biggest dilemma so far: What will I do with the 43 annual Family Albums I have lovingly kept? No one child has room for all of them: Maybe they can divide them out between them.

I hope the bank will give me time to paint that front porch and to prune the roses before I leave.

I have put a lot of blood, sweat and tears into this old house, but I don’t regret anything. I’m the kind of person who can meet challenges and welcome changes.

It will be a while before the bank actually comes to padlock the doors, and when that day comes I will give them the keys to my old house. I will try very hard not to let them see me cry.

How Can I Prevent Foreclosure?

I have racked my brain to try to prevent foreclosure on my house. I have weighed all my options.

I do not just want to just walk away and let the bank take my house. I believe my best option will be to do a "lein in lieu", which simply means I can deed the house over to the bank.

That will protect my credit, and the bank will give me $3,000.00 to help with moving expenses.

An Update

I applied for a Deed In Lieu and was declined by the bank. My final decision was to just "walk away".

That is exactly what I did. I found a very small apartment and moved. It's been almost two years now. It takes the bank a long time to go through the courts to actually come and physically lock up the foreclosed property.

I try and not think about my beloved old house. I never go by there anymore. It is just too heartbreaking.

I enjoy living in my tiny space. I do miss my garden, though. Now I garden in containers on my tiny porch.

The Door I Faux Glass Stained

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A Wooden Fence I Painted

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The Double Rainbow Is A Good Symbol For Me

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Under the circumstances, do you think I have made the right decision?

See results

This Old House

How I Moved And Restored My Old House

I wrote two articles about my adventures in moving and restoring my old house. Come and read about how it was done:

Some Projects I Did Around My Old House

These are articles I wrote about some of my do-it-yourself projects around my old house

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    • mary615 profile image
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      Mary Hyatt 2 years ago from Florida

      Hi there, oceansnsunsets. I'm so happy you read this Hub. Now you can understand how I came to losing my house to foreclosure.

      Yes, I enjoy living in the little apartment. It is beginning to look and feel like home.

      Love and hugs right back to you! Mary

    • oceansnsunsets profile image

      Paula 2 years ago from The Midwest, USA

      Hi Mary, I saw this hub linked from the last one, and had to come and read. You have a lot to share with others about your experience, and I am so glad you did. I wish things could have turned out some other way. Boy, life is interesting sometimes, and so hard. I wish you the best, and am glad you saw this stage as a relief. I think you did the best you could, and wish you the best in the future. I am glad your daughter has the two bedroom apartment too.

      I have been so busy and missed some of the parts of this story as you told it in hubs. So I am glad to catch up some now. Voted up, useful, interesting, etc. Sending love and hugs across the miles too, Mary!

    • profile image

      CharlesGat 3 years ago

      I couldn't figure anything out really. There's just too many different opinions. I just called a debt relief program and they answered questions for like 30 minutes without charging me anything. They tried to sell eventually on some of their programs eventually, but the advice was great! Here's national debt reliefs number if anyone wants to try it 855-531-0255.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, old albion (Graham). Thanks for reading my story. I really had no other choice but to let the bank foreclose. They haven't come to padlock the house yet, but it is only a matter of time!

      Funny you should mention "used car saleman", I sold cars for a while! I wasn' t too good at it, though!

      Nice to meet you, my best, Mary

    • old albion profile image

      Graham Lee 3 years ago from Lancashire. England.

      Hi Mary. Fabulous that's what I say, well done, the right decision. You touched so many bases with so much information. Although there were sad times your fortitude shows through. I get the feeling you are like a 'shy and sensitive used car salesman' :)

      voted up.

      Graham.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Your idea would be a good one except my 18 yr. old son who just graduated high school and a cousin are living in the house. I'm glad of that because they keep the grass mowed and they take care of the house.

      When the bank does take the house, my son will probably move in with me.

      Thanks for reading my story, Mary

    • LongTimeMother profile image

      LongTimeMother 3 years ago from Australia

      Hi Mary. Happy to hear that you are settled in your new home.

      I confess I'd be tempted to give the keys to some homeless families sleeping in their cars so they could use the bathroom until the bank finally arrived ... but I understand why you wouldn't have done that. lol.

      Take care.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, Torrs13 Oh, yes....I made a lot of mistakes along the way thinking Real Estate values would remain high where I live.

      I am now living in a small apartment next to a daughter's house, and I am quite comfortable. I do miss my old house, but I have wonderful memories.

      Thanks so much for your well wishes, Mary

    • Torrs13 profile image

      Tori Canonge 3 years ago from California

      Mary, thank you so much for sharing your experience. Although I'm younger, I have learned how easily it is to get dooped my banks who keep wanting to give you more and more loans. I can only imagine how hard it will be to walk away from that house, but it sounds like it's going to be a new start for you. I wish you only the best as you enter this new chapter in your life!

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Dear prairieprincess, Yes, it has been a rough road for me, but honestly I am happy living in my daughter's little apartment. It broke my heart to let my lovely old house go back to the bank, but I had no other choice.

      I'm sorry if selling your house was a bad decision for you, but we all have to do what is required of us, as you said.

      I'd do things a lot differently if I had my time to go over, but I am happy now without all the stress of having the house.

      Thanks for reading and commenting. I wish you all the very best, Mary

    • prairieprincess profile image

      Sharilee Swaity 3 years ago from Canada

      Dear Mary, what a beautifully written hub where you share honestly your financial struggles, and how you are solving them. Bravo to you, for having such an excellent attitude and looking forward, instead of holding unto the past. I can learn a lot from you.

      This hub, although I am reading it late, is great timing for me. I have been really feeling regretful lately at the poor deal we recently got when we sold our home and bought our current one. I, too, felt like I knew what I was doing, but am now realizing, with over $25,000 in debt, that we somehow did not make it out on top. Well, it is important to learn, and I think that is what is required of us. To learn and grow from our less-than-wise choices. Thanks for a great hub and for great sharing. Take care!

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, Keeley Shea. I'm sorry your house is in foreclosure, too. I tried to keep my house, but it just became too much for me to bear. I wrote this Hub last August, and I am still waiting for the bank to come and take it! It takes quite a while here in Florida. In the meantime, I am settled in the apartment at my daughter's house and I enjoy the small space.

      I still miss my old house, though. I wish you luck in your foreclosure.

      My best to you, Mary

    • Keeley Shea profile image

      Keeley Shea 3 years ago from Norwich, CT

      I think the key to life is accepting the decisions you have made (sometimes good, sometimes not so good), learn from them, lift yourself up, and move on. My home is in foreclosure due to divorce and sometimes I wonder if I should have tried harder to keep it but everything happens for a reason. The banks are not our friend and whether you succeed or fail to keep your house they don't care, so do what is best for you and do not have guilt! Good luck to you!!!

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, Vickiw, You are so sweet to still think of me! Yes, I so like my little place, but I miss my old house and the big yard with all my roses!

      My best to you....I hope you are well. Mary

    • profile image

      Vickiw 3 years ago

      Hi Mary - still often think about you, but I know you are happy in your new apartment, and I'm glad about that. Sorry though that things still haven't come to an end! Best wishes and good thoughts to you.

      www.warnerwords.com

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, jtrader. Life is made up of changes, right? Yes I just look at this change as a new challenge! Thanks for reading and commenting.

    • jtrader profile image

      jtrader 3 years ago

      Transitions. It's not good news but you are being positive.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi DREAM ON It's so nice to see you! Yes, I have wonderful memories of my old house, it meant a lot to me for a long time. That's a great idea, to write a new Hub about my new home; my little apartment.

      I looked on this experience as "one door closing and another door opening".

      Thanks for your thoughts and prayers, I appreciate that so much. Mary

    • DREAM ON profile image

      DREAM ON 3 years ago

      I want to tell you what this hub has done for me. It made me think long and hard what is in a home. After my list and pages of what I thought made up my home. I sat and looked at all my memories. My final conclusion home is where my heart is. So your memories of home will go with you in your mind and your new apartment will make so many more new memories.I would love to see a new hub My New Home is .... complete with pictures. You're in my prayers and thoughts.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, Walter, Yes, the same thing can happen here in the US. We can be taxed on the difference between the sales price and the market value. The bank has not sold my house; it just sits there.

      Thanks for reading and for your comment, Mary

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      HI DREAM ON, How nice to see you again! My house is still in Foreclosure. I keep waiting for the bank to come and padlock it. I have since moved into a very small apartment, and am happy there.

      This old house holds precious memories for me; I hated to let it go.

      I hope you are well and happy, Mary

    • DREAM ON profile image

      DREAM ON 3 years ago

      I am rereading your hub and all that keeps coming up in my mind is what Mary up to now ? What is your next project or activity that you are doing. I know a special person like you will bounce back like Tigger. There is no stopping you. After every rain there is sun. It might take an hour or a day or even longer but there will be sun. When the sun comes out I am watching it and thinking of all your wonderful times and so many more to come. So make it a great day and please tell us all what brings the biggest smile on your face.We can add the old memories with the new ones and make them better than ever.I can't sleep all the excitement must be keeping me awake. Have a beautiful night.

    • WalterPoon profile image

      Poon Poi Ming 3 years ago from Malaysia

      I don't know the practice in the United States. In Malaysia, if the bank foreclose your house, you still have the pay the difference between what they 'officially' get and what you still owe them. My former classmate had a house foreclosed. The bank sold it for a song (believed to be internal foul play), and then billed him for the balance. He was declared a bankrupt because of that.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, Gail, I really don't think the house will sell. The market is terrible where I live. Yes, I'm sad to lose my house, but life is full of challenges, right?

      Thank you so much for your kind thoughts and prayers, I appreciate that.

      My best, Mary

    • Happyboomernurse profile image

      Gail Sobotkin 3 years ago from South Carolina

      Hi Mary,

      Saw this hub had a new comment and came back to see how you're doing. Sorry to hear the house hasn't sold yet, but like Dream On, I admire your ability and determination to maintain a positive attitude.

      I'm glad you're in an apartment so that if the bank does foreclose, you won't have to scramble to find a place.

      Still, it's a hard situation to be in.

      You are in my thoughts and prayers,

      Sending a Bouquet of Hugs & Love Across the Miles,

      Gail

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi, DREAM ON Thank you so much for those words. I appreciate that. I moved into a small one bedroom apartment about four months ago because it was available and I was afraid to wait longer to take it. My house has been on the market (for the second time) for four months. Still no sale. The bank will take it sooner or later, I guess. I miss my old house, but that's life. Thanks again for your well wishes. My best, Mary

    • DREAM ON profile image

      DREAM ON 3 years ago

      Mary I just stumbled upon your hub and I was heart broken when I first read your story. As I read each comment and all the hubbers who followed you through every month. Life takes so many turns that are good and bad.You are the one that makes the final decision no matter the outcome.You are a very positive and loving person that will always find the good in life.I think moving in with your family gives you more time with the ones you love.Where a house has lots of responsibility and time and money. I loved your story and your decision. I couldn't of handled it as well as you but I learned a lot from your comments and your great memories that you have experienced.Please give us an update? Did you move already? I had a friend who lost their house to the bank and the house has sat empty for almost one year. I don't understand it.The locks are still on the door. I wish you great health and a bright exciting future.

    • mary615 profile image
      Author

      Mary Hyatt 3 years ago from Florida

      Hi Nadine May, thanks for the visit to my Hub. My bank can now foreclose since I have not made a payment since April. I'm OK with that. The house was just too much for me to take care of. If I were 20 years younger, I would fight to keep the house. Thank you so much for reading and for your comment.

      My best, Mary

    • Nadine May profile image

      Nadine May 3 years ago from Cape Town, Western Cape, South Africa

      Mary I saw your comment about not to be negative about bubblews, when I wanted to learn more about you. Your foreclosure story spoke to me, since we have several friends who lost their house that way; due to losing their jobs) In SA if we are 3 month behind with repayments the bank can just foreclose. I think its wrong, especially since the bank might have securitised your property and if so they cannot legally foreclose. Most people do not know this. Find out if they have.

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Hi, Lastheart. I do hope you can continue to pay for your house. That is, if you want to keep it. I had reached the point I just didn't want to keep mine because of all the stress involved. It is a big house and yard.

      I'm glad you benefited from reading about my foreclosure . I wish you the very best, Mary

    • Lastheart profile image

      Maria Magdalena Ruiz O'Farrill 4 years ago from Borikén the great land of the valiant and noble Lord

      I hope we do get to sit down and talk. Hope you come back to P.R. My house is in Chapter 13, I am paying everything, but I need strength to keep paying, that is why I say that I am fighting my house. Things happen in this life and we cannot be attached to material things. I love this hub and I learned so much from it. Thanks!

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Hi Lastheart. So nice to see you! I was blessed to have found my old house years ago, and as I said, I have enjoyed every minute of having it. When you say you are fighting my house, do you mean you may lose it?? I hope not. I really do look at this change in my life as just a new challenge. Yes, I am fortunate to have a loving and supportive family that I get along well with.

      I should have decluttered my house long ago instead of waiting until I was forced to do it.

      I would just love to sit with you, too, and visit. Are you still in Puerto Rico? I love that place!

      Thanks for reading and sharing my Hub, Mary

    • Lastheart profile image

      Maria Magdalena Ruiz O'Farrill 4 years ago from Borikén the great land of the valiant and noble Lord

      Mary...I am fighting my house, and you have given me strength. You are a good and wise woman. I am so happy to know that you will be in the place that God has provided. Thanks so much for sharing your experience because these true stories show us how to deal with similar issues. I will share this. Give a big hug to your daughter for having and taking care of a great mom like you.

      Not everybody is capable to let go of material things...you stay with the best memories and that counts. Ohhhhh I would love to sit with you and drink a cup of tea, listening all the treasures from your experiences.

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Good Morning, Barbara Kay. Yes, it is sad, but I have enjoyed everything I did to this old house. It probably kept me busy and sane when life got tough. I am looking forward to all of my daughter's projects.

      Thanks for reading and commenting, Mary

    • Barbara Kay profile image

      Barbara Badder 4 years ago from USA

      This is a sad story. It wouldn't be so bad, but you have put so many personal touches to your home.

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Hi Tom Koecke. Thanks for reading my hub about my foreclosure. I am told that in Florida, eventually the bank will have to give me three days to vacate. I'll be ready to go. I have used this time to pack my things in boxes and to give away things to my family. I could get a truck and be out in a day.

      I do thank you for your advice, and I will remember it.

      Thanks for your well wishes, Mary

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Hi vocalcoach. I'm glad to hear from someone else who has gone through this life changing situation. Wow! You moved from Nashville to Ca. ? I only have to go about two miles to my daughter's apartment.

      Yes, I do look on this experience as a new challenge in my life. I'm looking forward to having more time (like you) to spend on things I really want to do.

      Thank you for your kind words and well wishes. I wish you the same, Mary

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Hi Sherry Hewins. Thanks for coming back to my Hub about my foreclosure. I hope you do get a loan mod. I couldn't do that. I even thought of a short sale, but one has to pay the taxes for the difference in the appraised value and the sale price. Doesn't seem worth that to me. I am still in the house and just enjoying my "last days". I keep busy packing boxes in preparation to get out when the bank tells me to.

      I'm glad you have a place to go. I'm thankful for that, too.

      Good luck...keep me posted, OK? Mary

    • Tom Koecke profile image

      Tom Koecke 4 years ago from Tacoma, Washington

      Hi Mary,

      It's none of my business how you handle things, but having a background in credit I thought I'd let you in on a tactic you may take.

      After getting the house in the sale, the bank probably has to give you ample time to move, and then go through a process to evict you. Often, they will pay you to not make them go through the process. You may want to contact the bank, and offer to vacate the premises the weekend after the sale if they will assist you with some funds that you will use to move. The eviction process will likely cost them at least a thousand dollars, and likely quite a bit more than that. They would probably jump at the chance to give you a thousand dollars to move so they (a) don't have to go through the process and (b) can take possession more quickly.

      I wish you well, and admire you for dealing with a problem as an opportunity!

      Tom

    • vocalcoach profile image

      Audrey Hunt 4 years ago from Nashville Tn.

      Hello Mary - I recently went through the same thing and moved from Nashville to California. I also moved in with my daughter and find that I feel 'free' for the first time. Now I have the time to work on my book and just concentrate on me. :) We are both beginning a new chapter.

      Glad you are fine and please keep in touch with me. Your hub is marvelous and I've shared it with many friends who are also "starting a new chapter." Your beautiful attitude comes through in your hub and has inspired so many others. Thank you Mary. ~ Audrey

    • Sherry Hewins profile image

      Sherry Hewins 4 years ago from Sierra Foothills, CA

      Hi Mary, I'm looking at the possibility of having to leave my home. Not really sure yet, still trying for a loan mod, but doubtful that it will work out.

      I'm finding that I look at my house and property through different eyes now that I may be leaving it. Where I used to see the blemishes, I now see how beautiful it is and appreciate every day here. Come what may, I feel truly blessed to have spent the last 15 years living here.

      If things don't work out, I do have a place to go and it will be another adventure. It will be a sad day if I have to go, but I'm sure it will all play out the way it's supposed to. Thanks for your wonderful example of a great attitude.

    • mary615 profile image
      Author

      Mary Hyatt 4 years ago from Florida

      Good Morning, vocalcoach. So nice to see you! I am just fine, thanks. I have packed and boxed all that I can do for now. I am just waiting to see what the bank's next move will be. I really am looking forward to this next chapter in my life when I move into my daughter's apartment. I do love new challenges!

      Thanks for your well wishes and caring, Mary

    • vocalcoach profile image

      Audrey Hunt 4 years ago from Nashville Tn.

      Dear Mary - How are you doing? Have you moved into your apartment? Just want you to know I think of you and know this change is going to bring you a whole new adventure. Love ~ Audrey

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      Mary Hyatt 4 years ago from Florida

      Bless your heart, Vickiw. You are so sweet to think of me, and I do appreciate that. I'm all packed up and ready to go when the bank kicks me out!

      I hope you have a wonderful day, Mary

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      Vickiw 4 years ago

      Hi Mary, still thinking of you, and hanging in there with you. Going to read your new one now.

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      Mary Hyatt 4 years ago from Florida

      Hi, Kathryn. Yes, I am truly relieved about my house going into foreclosure. I have loved every minute of having this old house, but now I am weary from so much stress in the upkeep, etc.

      My four children agree I am doing the right thing and are very supportive. They have gone through and taken those collectibles, etc. they want. Whatever is left will be sold at a yard sale.

      Thanks for reading and for your comment, Mary

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      Kathryn 4 years ago from Manchester, Connecticut

      Mary,

      What a story! My first reaction would have been to feel sorry for you, but since you said you're relieved, it's not so bad. I'm glad you got a lot of enjoyment out of the house over the years, and worked on so many projects that can give you a lot of pride. I like the photos you have shared with us.

      After hearing why you came upon the decision, I completely understand why you would be relieved. It sounds like you had a lot of stress to deal with.

      I barely ever hear someone admit that they made a foolish decision. Wow. I'm sure a lot of people would have done the same thing, though. But sometimes it would be nice to have the ability to turn back time and make different decisions! If only you knew then what you know now.

      I hope you have time to sell and pare down your belongings before they take your house. Good luck to you, Mary, and thank you for sharing this heartwarming story of your house, and the years you spent in it. It's an enjoyable read.

      Have a wonderful Sunday!

      ~ Kathryn

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      Mary Hyatt 4 years ago from Florida

      Hi, DrRebeccaSanders. Yes, I live in Florida, and spent considerable time with Counselors at Hope. After looking at my figures, she agreed I should not even try and save the house.

      Yes, I feel like I have made the right decision; it's as though a heavy weight has been lifted from my shoulders. It doesn't matter where I live, I will make the best of the situation.

      Thanks for reading and commenting, Mary

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      Dr. Rebecca Sanders 4 years ago from Indiana

      I just ran across your hub after writing mine. Did you say you were in Florida? Have you already lost the house? If not, check out my hub on the Get Hope foundation to see if it's not too late to help in your situation.

      I couldn't vote on your poll. To me, that's only a decision you can make for yourself. I would hate to lose my home (although I still may at some point), but if it really is something you're comfortable with, then it was the right decision for you!

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      Mary Hyatt 4 years ago from Florida

      Hi Gail. It's so nice to see you! Thanks for the nice compliment. I truly have no regrets (except I never should have kept borrowing money I couldn't afford to repay).

      Now that I don't have to spend so much time on this old house, maybe I can write more!

      Thanks so much for reading and for the well wishes, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi Jeanieinabottle. Yes, I think you are right....there are many people in the same situation I find myside in. Thanks for reading and for your concern and support.

      My best to you, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi vocalcoach. Thank you so much for your lovely compliment on my talents; you just made my day! I had thought about putting my stuff in storage, but it is so expensive. I had the children come in and decide what items they wanted: the Hummels, etc. I would rather see them enjoy them rather than sell them.

      I am grateful to have a nice little apartment to move into. I have the greatest daughters in the world!!! Yes, I'm actually looking forward to this new adventure.

      Thanks again for your love and support, Mary

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      Gail Sobotkin 4 years ago from South Carolina

      Dear Mary,

      After having read so many of your hubs I know that what you said in the following sentence is true, "I’m the kind of person who can meet challenges and welcome changes."

      Your resilience and wonderful attitude continues to amaze me, and though I am sorry to hear you will be losing the house you've loved for so long, I am glad you already have a good place to move into.

      So many people get stuck in regret about the past and hold onto things, when letting go with gratitude for the things that used to be is so much healthier than clinging to a past that no longer exists.

      As you say, new adventures await you and you will be able to make life a little easier for your daughter when you move into the apartment attached to her house. That's a win win situation for both of you.

      Sending You a Bouquet of Hub Hugs and a Prayer for Health and Peace,

      Gail

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      Jeannie InABottle 4 years ago from Baltimore, MD

      I am sorry you are losing your house, but I am happy that you are comfortable with it. Unfortunately, you are in a really common situation for many Americans right now. It is totally normal to go through a foreclosure now and no one frowns upon it. I am glad you have a place to live and best of luck to you!

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      Audrey Hunt 4 years ago from Nashville Tn.

      Dear mary - You could make a small fortune painting beautiful scenery on fences! Absolutely beautiful! I'm so in awe of all your talents, but more than anything I love your attitude.

      I recently moved in with my daughter (rusticliving on HP). I left all my possessions in storage except for an electric keyboard, an apple computer (which just died) and CD recordings of my published music, etc. I'm so grateful to have a home to live in. The greatest of all blessings is our family.

      I wish we lived close to each other. What a blessing that would be for me. You are so courageous and beautiful. I send you big warm hugs and know that "the best is yet to come." Love ~ Audrey

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      Mary Hyatt 4 years ago from Florida

      Hi Sherry Hewins. You are so nice to come back with this additional info. Florida does have a counseling service to help people try and save their homes. I did that and after a lengthy phone conversation giving the lady all my figures, etc. she remarked: "If I were you, I would just walk away". I am just in too deep to try and save the house.

      No, I am just waiting now for the bank to make their next move. I'm ready to leave and move into my daughter's apartment. I'll be happy there without all the stress I have now.

      Thanks again for your interest and concern. Mary

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      Sherry Hewins 4 years ago from Sierra Foothills, CA

      mary615, it sounds like you have made your decision and don't intend to try to keep your home. However, if others reading this are in a similar position and want to try to save their home they should look into the "Hardest Hit Fund." It's a program available in the 18 hardest hit states, which includes Alabama, Arizona, California, Florida, Georgia, Illinois,Indiana, Kentucky, Michigan, Mississippi, Nevada, New Jersey, North Carolina, Ohio, Oregon, Rhode Island, South Carolina, Tennessee, Washington D.C.

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      Mary Hyatt 4 years ago from Florida

      Hi there, Vickiw. Thanks for coming back for your update. I'm glad you made the move and have a beautiful little home, and with an ocean view, too! I have packed all my collectibles for my family that wanted them. I still have some big pieces of furniture, but I think we'll have an estate salesperson come and take care of those.

      Basically, I'm ready to go. Just waiting now to see what the bank will do next.

      Going now to read your Hub.

      Thanks so much for the update and for your concern. I appreciate that, Mary

    • profile image

      Vickiw 4 years ago

      Mary615, you asked me to update. I want to tell you I have thought about you many times since reading your Hub. I have just completed my move, and did not realise how traumatic it would be, both emotionally and physically! And my move is a happy one, to a beautiful little home with a lovely ocean view! I wonder how things are going with you. Please keep ME updated!

      I wrote a little about this in my last Perspectives Hub.

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      Mary Hyatt 4 years ago from Florida

      Hi Michael. Good to see you! Oh, well, as my Dad used to say: "You win some, you lose some"! I have truthfully enjoyed every minute working in this old house. It has been therapeutic for me in many ways. Honestly, this big house is just too much for me to maintain. I got the house when I had children, now they are grown and gone. I just need a small 2/2, and I'll be happy in my daughter's apartment, I'm sure.

      Thank you for your concern and kind offer, my friend. Regards, Mary

    • molometer profile image

      molometer 4 years ago from United Kingdom

      Hi Mary,

      What a terrible situation in which to find yourself, after all that hard work DIY and sacrifice.

      I think you should check before the foreclosure, if it's not too late. many banks have jumped the gun and foreclosed when it could have been avoided. let me know if I can be of any assistance.

      Sadly it is an all too common story here in the Uk as well.

      People are really struggling and the banks seem to get off scot free.

      I have owned property mortgage free. It's not all it's cracked up to be either.

      Michael.

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      Mary Hyatt 4 years ago from Florida

      Good Morning,johnr54. Yes, I'm coming along with my planned move out of my old house. I had my four children come and make a list of things they want that I have collected through the years. They would have had to do this job after I die anyway!

      I am now ready whenever the bank wants to come. I have loved and enjoyed this old house, but I'm ready for the next chapter in my life.

      Thanks for reading and commenting, Mary

    • johnr54 profile image

      Joanie Ruppel 4 years ago from Texas

      Mary, this is very useful information especially for those of us without a spouse. I will learn from your experience and share with anyone in a similar situation. I hope you are along on your journey and your daughter appreciates those dinners!

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      Mary Hyatt 4 years ago from Florida

      Hi ladydeonne. Thank you for your comment and words of encouragement to me. Actually, I'm looking forward to moving to my daughter's apartment. I certainly won't have as much housework to do! I think change is good. It seems to give me motivation that I need.

      When my Hubby decided to go to Vet school, we sold our 3/2 house and moved into tiny student housing and we had 2 children at the time.

      Yes, I am very thankful for a wonderful and supportive family.

      Thanks for taking the time to read and comment, Mary

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      Deonne Anderson 4 years ago from Florence, SC

      My dear lady,

      You are an inspiration to us all. After my daughter got married and moved to Hawaii with her husband, I was left all alone in a 5 bedroom (3) level home. I moved to a much smaller home, got rid of some of my furniture and stuff and never looked back. I found that I could be happy anywhere because my happiness came from within. As you are celebrating your 80th birthday and have such loving and wonderful children, you are truly blessed. Be grateful and happy! Thanks so much for sharing.

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      Mary Hyatt 4 years ago from Florida

      Hi Joey. So nice to meet you today! I can't help but wonder what happens to Dusty's comments??? His profile is still on HP. Yes, he was one of a kind.

      I'm so sorry you had to lose a house, but as you know well, material things don't matter. I have enjoyed every minute of being in my house, and working in it every day, but I will embrace the new changes in my life. I have overcome may obstacles in my life, as I'm sure you have done, too.

      Thanks so much for reading and commenting. Hope to see you again, soon. Mary

    • jseven profile image

      jseven 4 years ago from Michigan

      Hi Mary,

      I saw your comment to me on Dusty's last hub and knew you were a good person if you liked him. :)

      I truly relate to your story of gain and loss..been there and done it. I counted it all joy to lose material possessions to gain my Lord's communion more, not that He caused it in any way. It just is what it is and as you said, variables can crumble your life collections.

      I did cry when leaving a brand new home on the water, but even more when I lost the ability to do physical labor anymore. Learning to live a new normal is always a possibility in anyone's life and you have graciously conveyed that here.

      Well done Mary, love you creativity and may you enjoy the flowers..always. Peace. xx ~Joey

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      Mary Hyatt 4 years ago from Florida

      Thanks again for your love and support on my decision to let my house go into foreclosure.

      Happy Mother's day!

    • skye2day profile image

      skye2day 4 years ago from Rocky Mountains

      Mary You will be fine. Keep the faith in God girl. He knows the plans He has for you. They are good plans not to harm or injure you. You will have a load off of your shoulders. It will be all good, because God is good not that we are, He is. My Love and Best wishes on this next chapter. Hugs Skye.

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      Mary Hyatt 4 years ago from Florida

      Hi skye2day. Thank you so much for reading my Hub and your beautiful and understanding comment. I'm glad you were able to sell your house before the bank could take it. You were lucky to get some money left over. The RE market here is so bad....I'll never live long enough to see it rebound.

      I prayed long and hard about making this decision. I did so want to leave my house to my children, but that was not to be. I think everything will be fine for me. I do feel relieved now that I made the decision to let the house go.

      Thank you for your caring and support, Happy Mother's Day to you, too. Mary

    • skye2day profile image

      skye2day 4 years ago from Rocky Mountains

      Mary It took allot of courage to share your story girl. I am sure many of us can relate on some scale. I know I certainly can. I lost my home of 15 years. The bank was going to foreclose but it sold right before the bank date and we made around $8,00 to start over. God so worked it out for us. We had so rested on our laurels. I put my trust into the world and not into GOD. He wons it all anyway. He is our only assurance. He stays the same, He does not changed His mind. What He says in His word is for our benefit and good, because He so loves us. The humble will be exalted and the exalted humbled. God will never leave us where we are at because He loves us too much. He was calling to my husband and I. In all of this my daughters grew. Material and things can be pulled out from under our feet in a wink and or rust and moth can destroy.

      God does not pull out. He says seek me first and all these things will be added to you. matthew 6:32 He worked the situation to draw us closer to Him. As hard as it was the situation turned for His good purpose and glory. He is amazing grace!! Not because we are good but because He is good and loved us first. It was nothing David and I did to deserve His grace.

      What good does it do to gain the world but loose your soul? Anyway your story has a great ending. God is not done with you yet. Sometimes we get so distracted we forget whose we are. That is what happened with David and I. We claimed to be children of God but we were running the show. I love letting God run the show. It is much easier and His ways far better than my finite mind can begin to muster.

      Best wishes on your new chapter girl. Keep your eyes on Jesus. He is the way truth and life. He is calling all to come to Him. He will never leave nor forsake us. Hebrews 3:13. God Bless you.

      Your story has beautiful memories no one can take. You own them. No one can pull the rug on what you experienced and learned on your journey.That is priceless. The wisdom can be passed along. Blessings Galore dear one. Happy Mothers Day. Love, Skye

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      Mary Hyatt 4 years ago from Florida

      Hi christin53. I'm sorry you had to go through this same ordeal with your house. Yes, it is heartbreaking, but at the same time, I have no choice. Once I made the decision to let the house go into foreclosure, I did feel a lot better.

      Thanks for reading and commenting, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi Au fait. Yes, more and more people are forced into "walking away" from their beloved homes like you had to do. I have been under so much stress, cause I knew there was no way out!

      It is comforting to know that others are in the same predicament. I'm told the RE market is coming back???? I don't think so....

      Thanks for sharing your story, for reading, the comment, the votes, and the share, Mary

    • christin53 profile image

      Ann-Christin 4 years ago from UK

      I feel for you Mary and I understand too. I have been through it myself many years ago when my children were small. It is heartbreaking to walk away from a home where you have been happy but after the event I actually felt better. Sometimes it's best to start again and leave the worries behind.

    • Au fait profile image

      C E Clark 4 years ago from North Texas

      I can sympathize with you and tell you that sometimes it's a great relief as you have already said, to just turn your back and walk away. My husband I had to do that very thing a few years ago. Trying to keep up as the economy became worse and worse put such a stress on our family.

      Great hub that may help people stop to think before they get too deep in debt and for those who are losing their homes it may be helpful to know they are not alone.

      Voted up, interesting, useful, and will share!

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      Mary Hyatt 4 years ago from Florida

      Good Sunday morning, Vickiw. I am so happy for you that you sold your house! I wish you all the best in your new home.

      I have just about finished giving my children the things they wanted from my house. I have sold some collectibles on eBay, but I'm so disappointed in the value of Hummel plates. They have depreciated so much!

      Yes, it was a great relief once my decision was made.

      Maybe you will write a Hub on your move into your new home...

      Keep me posted, please.

      Again, best wishes to you and yours. Mary

    • profile image

      Vickiw 4 years ago

      Hello Mary, back again. I hope your preparations for moving are going well. I have thought of you many times since first reading your wonderful and sad hub, and in fact it inspired me to start plans on downsizing myself. I will be moving from my beautiful home at the end of this month, as I have now sold. I am fortunate - moving to a much smaller home, but in an equally beautiful area, near the ocean. This type of decision must be made for practical and economic reasons - there is no room for emotion, once the decision is made. I am disposing of a tremendous amount of STUFF gathered over the years, and I am looking forward to a new adventure, in a new community. I have a feeling our thoughts match well at this time. All my best wishes to you, Mary, and thank you.

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      Mary Hyatt 4 years ago from Florida

      Hi suzettenaples. Thank you for reading about my house being foreclosed and for your very caring comment. Yes, I have enjoyed every day in my old house and doing all the projects I did, but now it's time to let it go. The news is saying the the RE market is coming back, but I don't think the RE values come back in my lifetime.

      I do appreciate your concern and your wonderful compliments on me and my Hub!

      I really am looking forward to living at my daughter's place: I'll have more time to write because I won't have as much housework!

      Goodnight, Mary

    • suzettenaples profile image

      Suzette Walker 4 years ago from Taos, NM

      First of all this is a beautiful hub. That cracker house is adorable and what you did with it so creative. I think you are just a victim of circumstances more than 'poor choices.' You were living the American dream, making wealth through real estate, which so many people have done over the years. Who knew the real estate bubble would pop? That is partly the blame of our economy and the 'poor choices' Wall St. and the bankers made. Your situation was their collateral damage. I admire you for 'going for it' and taking the risks involved in buying the real estate, You made good decisions and choices given the information and the circumstances at the time. I admire your attitude in all this. I am glad you are not now going to be homeless and I admire your daughter for offering you her apartment at her house. You must have done something right in raising your children. I wish there was something that could be done to save that darling house for your, but I don't have any suggestions or solutions. I wish you the best and I hope all goes well for you. Thank you for having the courage to share your story with us. I do admire you!

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      Mary Hyatt 4 years ago from Florida

      Hi bac2basics. I am so sorry you lost your Hubby. My wonderful man died in 1988 quite suddenly and I've never met another one to replace him.

      I understand what you are saying about the stress these problems cause us to have. People ask me why I don't just rent out my house for enough money to pay the mortgage , but I am just tired of all the work in maintaining the house.

      I hope you find a solution to the problem about your dogs. I'm just glad my daughter loves my little Schnauzer and welcomes her.

      I'll be thinking of you and your situation. I wish you the very best, Mary

    • bac2basics profile image

      Anne 4 years ago from Spain

      Hi Mary.

      I wish I had even an ounce of your courage. My husband and I came to Spain to start a new life and adventure but he became noticeably ill soon after moving out and we quickly found out her had incurable lung cancer and I lost him about 2 years after our move here. I don´t have a mortgage on this house but all the preparing to leave it even though it´s now what I really want to do is getting me in a right state. Change doesn't´ sit well with me especially when all the decisions are down to me and I confess I am now on tranquilizers, there is more to the reason for this than just the move and I have been through so many tough times during my 11 years here and have kept on plodding and now I just want out. I do have the house on the market, but you know from another comment that the bottom has fallen out here too and so I intend to rent my place out until it sells and my sister has very kindly offered me to go and stay with her. One of the things that´s stressing me out so much at the moment is I have 2 abandoned dogs, one turned up 11 years ago and the other about 5. I am at my wits end because I cannot take them back to the UK, my sister has 3 dogs already and I can´t afford to ship them back and then keep them in kennels until the house eventually sells. I am trying my best to re-home them here but if that doesn't´t happen and I can´t get them into a rescue Centre ( there aren´t that many in Spain and the one´s there are are usually bursting at the seams because so many dogs get abandoned out here, just like my 2) I don´t know what I´m going to do with them. I know you are a dog lover so you will understand my plight.

      Once again Mary, I wish you all the luck in the world and send another big hug your way.

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      Mary Hyatt 4 years ago from Florida

      Hi, Sueswan. I'm glad you agree I am doing the right thing by letting my old house go. It just seems to be the only way out. Yes, I am very thankful for my health and for my wonderful family. They are behind me 100% on this decision.

      I'll be glad to be relieved of all the stress and worry.

      Thank you for your nice comment and concern. Mary

    • profile image

      Sueswan 4 years ago

      Hi Mary

      I think you are doing the right thing by foreclosing on your home. Sorry you have to go through this. At least you have your health and your familiy's love and support. I admire your strength and courage.

      Take care

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      Mary Hyatt 4 years ago from Florida

      Hi, Nell Rose. Thank you for your well wishes. I will be fine. Honestly, I'll be relieved to be rid of all the stress the old house has caused me!

      I am looking forward to "my new life".

      Goodnight, Mary

    • Nell Rose profile image

      Nell Rose 4 years ago from England

      Hi Mary, good for you for tackling this head on, and I hope you will be really happy in your new home with your daughter, even though it will be a bit sad when you leave, you will give a sigh of relief over the next few months that its now out of the way and you can get on with your life, nell

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      Mary Hyatt 4 years ago from Florida

      Hi, Sherry Hewins. It is indeed a sad situation that so many of us find ourselves in. How would anyone have known the Real Estate market would go "belly up". We were told it would always appreciate!

      Sounds like you are in a bad situation, too. I can only hope things will get better for you. It is far too late for me to save my house, but as I said I am truly relieved to be rid of all the stress and worry.

      Everything has a way of working out OK, right? We just have to be optimistic!

    • Sherry Hewins profile image

      Sherry Hewins 4 years ago from Sierra Foothills, CA

      Mary, you are not the only one that made this kind of mistake. While I didn't buy rental properties, I did "tap the equity" on my house during that boom time. Since then property values plummeted, I lost my job and my husband's excavating business has gone bust.

      The only thing that's kept us going is selling off the tractors from the business and other big items we've accumulated. Many of the foreclosures that are happening now are for similar reasons. People don't like to admit that they are partly to blame for their situation, but with banks practically throwing money at us, it was hard to resist.

      You have a great attitude about it, I'm sure it won't be long before we're in the same situation. I'm sure it will all turn out fine in the end.

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      Mary Hyatt 4 years ago from Florida

      Hi, moonlake. I'm sorry to hear your friends will lost their house. Yes, these banks have used and abused people a lot, and that's a shame. A Loan Modification wouldn't do me any good, because even if the bank lowered my payment, I still couldn't afford it.

      Right now we have two houses in foreclosure on my short street. The property values just "bottomed out", and people owe more on their homes than they are worth.

      Yes, I really am looking forward to being rid of the stress I've been under, although I will miss my old house.

      Thanks for reading, the vote and the share. Mary

    • moonlake profile image

      moonlake 4 years ago from America

      This is happening everywhere. We have friends that will have to give up the home they built by next year, sad story all around but what else can be done. They tried to get help and have payments dropped the bank has left them hanging by making them send in papers after paper, they would send them all in the bank would say they lost them. This is one of the banks that got all the money to help people but was never followed up on, they are not helping people. They have finally gave up and the house will go into foreclosure. The bank makes more money foreclosing and counting it as a loss. They will be getting a settlement because their bank is one of the banks in Foreclosure Abuse Claims settlement. It very likely won't be much they have abused so many people.

      I'm so sorry to hear about your home but I'm sure it will be a relief to be out of this and off your mind. Voted up and Shared.

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      Mary Hyatt 4 years ago from Florida

      Good Morning, Vinaya Ghimire. Hey, who knows??? Maybe after I let my old house go, I will have some time to travel and not have all these responsibilities. Honestly, one of the places I would love to see is India.

      I do appreciate your well wishes so much, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi Jayne. Yes, I do look on this event as an opportunity rather than a tragedy! I have know for years that I was collecting too many things, but I really enjoyed just having them, and of course, I thought as time went on, they would become more valuable. The market is just flooded now with Hummels, etc. People need the money, I guess.

      I should have sold my house 5-6 years ago when the market value was high, but I was keeping it for my children's inheritance! We just never know about this thing called "life" do we?? It can change overnight.

      Thank you for your sweet comment and concern. Mary

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      Vinaya Ghimire 4 years ago from Nepal

      I spent my childhood in rented house. Every time I walk the street I take a time to watch the building where I had spent my childhood. I cannot describe how I feel.

      My best wishes are with you. I sympathize and empathize with you.

    • JayeWisdom profile image

      Jaye Denman 4 years ago from Deep South, USA

      Mary...You're very courageous and looking at this phase of your life more as an opportunity than a tragedy. That attitude should see you through. I understand about the collectibles and family "treasures", such as the many photo albums. I'm a long-time collector and a sentimentalist, too, so my home stores too many items. I'm gradually downsizing its contents--giving away many things and selling some. I hope the real estate market will rebound so I won't lose my entire equity, but that phrase "throwing good money after bad" echoes in my mind.

      Best wishes as you prepare to enter a new phase of your life. You're such a talented and gracious person, I'm sure you will be happy wherever you are. Bless you...Jaye

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      Mary Hyatt 4 years ago from Florida

      Hi pstraubie48. You are such a dear person, and I feel selfish with my little problem when I think of what you have been through in your life. This decision took a lot of thought and prayer, and I do feel good about it.

      Yes, these things are only "stuff" and are of little importance in the grand scheme of things.

      I'm sending one of those sweet angels back to you. Thanks for your love and concern, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi kashmir56. You are so right: one door closes, another one opens. That's how I look at it. I look at this as just another challenge in my life, and I am looking forward to the change.

      You bet, I'll still be around on HubPages. I love it here, and am grateful for all my good friends such as yourself who wish me well.

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      Mary Hyatt 4 years ago from Florida

      Hi Radcliff. honestly, if I had my time to go over, I think I would rent a house instead of purchasing one. It is such a responsibility to have a house, always something that needs to be done. I admit I have loved every minute of living in this old house, but now I'm ready to give it it.

      Yes, my daughter and I get along well together . I'll be fine, Mary

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      Mary Hyatt 4 years ago from Florida

      Hi Mommy Needs A Nap. Thanks for reading and taking the time to comment on my Hub about my foreclosure. You know, we do what we have to do, right? I think I've made the right decision.

      Bless you, Mary

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      Patricia Scott 4 years ago from sunny Florida

      Bless you, Sweet Sweet Mary.

      The joy you found will follow you and the stuff you will not miss. The new memories will wash away any pangs of sadness that may creep in at times. It is funny that we think sometimes we need a lot of STUFF and then we realize we only really need and want the love of our sweet families. Hugs and many blessings and lots of Angels are coming your way from Alachua County, Florida :) ps

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      Thomas Silvia 4 years ago from Massachusetts

      Hi Mary sorry to hear and read this sad story, you are a strong person inside and will do well anywhere . A door to your life has closed but another has opened. Wishing you all the best and take care and be well. Hope you will still be able to write here on HP.

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      Liz Davis 4 years ago from Hudson, FL

      Thank you for being so open and honest and sharing your story, Mary. I hope others learn from your situation or find comfort in seeing someone else who has been there.

      I've never had enough money to buy a house, so I guess I'm "lucky". :D

      Hang in there--I'm glad you have a nice set-up with your daughter so you won't be stranded.