A true David and Goliath story

Two years ago this month, I called our mortgage company to check on the status of our loan modification. I had been told I'd receive a package within a few weeks, and should just wait. When it didn't arrive, I called the bank and spoke to a kind service representative.

"I'm sorry to have to tell you this," she said, "but your home was sold at a Trustee's sale—three days ago."

Before I had a chance to recover from that news, I heard the doorbell ring. It was a real estate agent who worked for the bank—what we call an REO agent. "I'm sorry about what has happened to you," he said, "but your home is now owned by Fannie Mae. I'd like to discuss the terms under which you will leave ..."

It was just the beginning of a long ordeal. We immediately began efforts to get the sale rescinded. But all the smart people I talked to—attorneys, bankers, real estate professionals—said we were wasting our time; Trustee's sales were virtually never rescinded.

They were right. Our efforts failed.

And then God who raises the dead opened a door. Miraculously, with the help of an angel within Bank of America named Dee Gilbert, our sale was rescinded, and we were put on track for a modification (again). But in the meantime, our home was again scheduled for a foreclosure sale. Deja vu!

Finally we were granted a permanent modification, and yesterday I checked the upcoming foreclosure sales online. For the first time in a long time, ours was not there.

Glory to God, who takes care of his children in the face of insurmountable odds!

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