When we first spoke in April, he suggested that the "committee" (???) would never "believe" Marty and I "needed a short sale" under the "circumstances". He said he was looking at our credit scores at that very moment and it would be a "hard sell" and didn't I just want to pay what I owe?
At the time, thinking I was working with a professional, I explained that the second mortgage had been called due--by his company and without any conceivable reason--starting this train wreck, the tenant had moved out and we were no longer in a position to take care of this house. The Bigoted Asset Manager made tut-tut noises and sent me on my way.
Four months later, Kirby submitted a total of four cash offers for our home to this bank. I had been speaking to the Bigoted Asset Manager all along. At one point, he sent me an e-mail offering me unreasonable terms to settle this account. We said no. Foreclose. The bigoted Asset Manager backed down, saying he would see what he could do.
What he did do was send me a lovely letter, via US Postal Service saying the "committee" rejected my short sale. What he also did was ignore my e-mails and phone calls for the following weeks.
Sick of the entire process, I sicced Marty on this. Last week Marty called around to this bank trying to find the person to talk to so that we could start the deed in lieu of foreclosure process. He left voicemail after voicemail. Finally someone named "Pam" called him back. Apparently Pam is a supervisor. She listened carefully as Marty relayed our story (we tried the short sale route and you folks rejected the offers we got.). Pam was none-too-happy we had jumped through so many hoops and promised to have someone call by the end of the day.
And someone did call. It was the Bigoted Asset Manager. On the phone with Marty, he was polite, reasonable and back-pedaled. It was clear that he and Pam had a terse conversation prior to him calling our home. Apparently at that particular moment he was more than willing to help us in any way.
However, when I found out Marty was on the phone with the guy, I was furious. He would return Marty's call, but not mine. I said loudly, "Is that the same Bigoted Asset Manager who refused to return my calls and e-mails for the past month but yet will call you back at the drop of a hat?"
At which point, Marty shot up a hand and gave me a look, begging me not to pick up the home extension and continue my tirade at the guy. Apparently the Bigoted Asset Manager heard me because Marty relayed the following message from him, "Thank you for being so professional Mrs. Landlord through the entire short sale process." And that just annoyed me further.
As it stands now, I believe the Bigoted Asset Manager is supposed to go back to the alleged "committee" and ask for guidance. We explained that we no longer had buyers for the house, so we would have to start over with another short sale--that is if Kirby is willing to do this again. After all, nobody likes working for free.
And just to be sure we are all on the same page, I e-mailed the jerk the following note:
Dear Bigoted Asset Manager,
Thank you for taking time to speak to my husband about our situation earlier this week. As he has a full time job, he still would like me to be the point of contact for this issue.
Would you please let me know what the next steps happen to be so that we can turn this home back over to the Bank. As your committee has rejected the four cash offers we brought you, it seems reasonable to expect a deed in lieu of foreclosure or a judicial foreclosure. We are more than willing to accommodate and save your company the trouble of a judicial foreclosure. So, if a deed in lieu works for you, that would be great with us.
Currently the home is vacant and probably vulnerable to vandalism and vagrancy, so moving forward and quickly as possible is probably in everyone's best interest.
Please advise soon.
Sincerely,
The Landlord
I know it is more wordy than "Bless your heart" but I sure hope it conveys the same sentiment.
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