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Here is a little background. It's been almost 30yrs in the making.
My fiancee Sam and I grew up on the out skirts of a small town. He lived one road over from me. We met on on the bus we rode. We grew up with the same friends we played in the same fields. Oh and we got in trouble together. He always brings up us getting kicked off the bus.
I am two years older therefor I was two years ahead of him in school. We didn't hang out as much going through Junior high. In High school I went to school in another district for two years. We only saw each other in the halls if we were lucky when I went back to our high school I was only there for a short time before I left again and went to home school we hung out with different people had different friends & we did different things had different clicks I was a senior when he was underclassmen and I was living in another town with my boyfriend. inevitably We drifted apart and lost contact for a couple of years.
Until one day a friend came over to the house and when he walked in and said he brought his cousin with him I would never have guessed that Sam would be walking in the door behind him. Over the next few years we hung out together. I broke up with my boyfriend and Sam was still there. We were both in our twenties and I moved here and there while he stayed pretty much in one spot. He joined the Iron Workers Union like his dad and uncle had.
Well my need to test the world had us drifting apart again. He stayed friends with my brother and sister so we knew how the other one was doing. I went through a real bad phase and part of it was a guy I was dating. needless to say I got kicked out of the family when I was twenty five and moved about two hrs away. For a year or more for I had no contact with my family at all. When I straightened up and went back to the family I was still dating the same guy who was thirty three had only had ONE job over the five six years we dated stilled living with mommy.
Sam had gotten into a serious relationship himself. He had moved into the city with her & they had been together for as long as I had been with the looser.
I moved in with my sister her now husband and our little brother when I came home and out of the blue one day Sam comes over to see them. Well I was there to. Of course I introduced him to the looser and we would talk every week or two and see each other when we could. Within a year I had moved into my own place. Sam's relationship ended and he moved back into his childhood home with his dad.{Dad raised two kids starting at ages 2yrs & 5yrs on his own}A few months after Sam went back home his dad was admitted to the hospital. No one really knew there was anything wrong with him. Two days later he left the hospital AMA (against medical advice)Dad was home for only three days when Sam got woke up to his sister screaming for him. When he got to her he saw his dad on the living room floor & started CPR {he said later he knew he was gone as soon as he saw him} Shortly after the funeral I lost my job and rent was coming up so I was in a really hard spot. It wasn't the unemployed mamas boy looser that helped me. Nope once again it was Sammy to the rescue. He offered me a place to go & to stay as long as I needed. I took him up on one of his offers & moved into the fifth wheel trailer that his dad had bought for hunting that year. If Sam wasn't hanging out with his other friends he hung out with the looser and me. Sam & I were getting closer while my relationship had fallen apart and only had a matter of matter of time before it was done for good & I went to Sam's bed a few times while I was still with the looser. Sam had some trouble & had to spend some time away. Before he left I told him that I might be pregnant and I wasn't sure. Well I was and when I told both him & the looser there was no doubt that I was pregnant the looser told me to fix it & Sam said he would be there for me and any decision I made. I decided to be a mom & told them both. Needless to say the looser left & Sam said "Well I think it's time for us to grow up". His sister and Aunt convinced him to sell the house and use the money to invest or build a house. My dad is a contractor & found our property for Sam came home.
When he came home in the beginning of Aug. 2004 I was just over eight months along & we moved the fifth wheel on to the property & the two of us in. On Aug. 20th Sam and I became parents. We brought our boy home to the fifth wheel. We got started on building as soon as the funds were available.
The money ran out we couldn't get a loan and we were at a stand still in construction. For a year it sat and we went on living in the trailer. Two years went by before my dad found us a privet lender a business associate of his. We finished the house and moved in on April 20 2007. We were doing OK and felt we could see the light at the end of the tunnel. We were only having trouble finding a mortgage. In order to pay off the lender and the contractor (my dad) The contract ended & we got a verbal extension.
Sam got laid off a year and a half ago. We cashed in his annuity and used that for our house payments. We fell behind in the taxes and owe for the past three years. FOOD & HOUSE PAYMENT were more important than taxes. Our day to day cost of living was done on the money he got from his weekly unemployment check.
In June that money ran out. I went to work at the end of July but that didn't pan out either. In Aug. We fell behind in our payments. Mid Sept Sam received a letter from The Unemployment Office informing him that his case was under review at that time and for six-eight weeks he would not receive any benefits. Less than four weeks later he received a letter saying his claim was denied however if he wanted to appeal he only had till Oct. 24th. In the process of drafting his appeal we received the notice of default and we have 30 days to fix this issue or pack up & move out. We are now less than twenty five days away. I don't know how to stop it. Our home was finished in 2007 it was worth over three hundred thousand. Today it is worth two hundred and forty nine thousand. We owe the lender one hundred fifty thousand the taxes are ten thousand and we still owe the contractor about thirty-thirty five thousand basically we owe two hundred thousand on our house.
So there it is. That is how we got here today & why I am So worried. We lost his dad to get what we have and we have tried everything we can to hold on to our dream.