Sonja, Austin, Taylor and Chris Noskowiak and Cayce Crews

Sunday, October 25, 2015

Foreclosure Hearing Next Week Oct 29th, 2015 Part 1

Foreclosure Hearing Next Week

After a long 3 years, we have a Summary Judgment foreclosure hearing on Thursday. It's so hard to sit here and think about losing my home in SC. The home I raised my children in. The one I went into bankruptcy over twice just to save it while Chris was sick with cancer. What a struggle to keep it. Then, what a struggle it was to get someone to fix the home, after finding out the home had been burned by someone, not an accidental fire at all. It's hard to know what G-ds will is when you know what you heard him say, what you said out loud... what he told you to say... And so that my reader may know what I am saying, I will share that part with you.

The year was 2005. I was out walking on the property nearby which is family owned. We have a 3/4 mile tract of land I would walk or run on. It made a big circle around the perimeter of my home and the clay pits that surrounded the area. I had been talking to G-d this particular day. I had been asking him how it was that I went through a bankruptcy and now was about to go back into another one. I managed to make it to the front of my house as I had walked that 3/4 miles and I sat on the front steps. As I sat there, I heard a voice say to me, "Move down one step". I didn't question it, I just moved down one step. As I did, I counted the steps and I was sitting on the 3rd step. As I sat there and sobbed, and looked out towards my front yard, I heard the L-rd say, "Sonja, what do you see"? I immediately said, "I don't see anything". I then heard him say, "Oh, but Sonja, what do you see"? I said, "L-rd, I don't see anything, no flowers and trees, I guess I never really felt like it was mine". I then heard him say, "Sonja, tell the devil, this is MY house". I opened up my mouth without even thinking about this and said, "Devil, this is MY house"! What seemed like just a few seconds had gone by, I heard him say again, "Tell the devil, this is My house". I then in return said again, "Devil this is MY House"! I got to thinking, no-one could really hear me because no-one was home. My husband had went to the dump to take the trash off. I then for the 3rd time hear him say, "Tell the devil this is MY house". With everything in my heart mind and my soul, I screamed to the tip top of my lungs, "Devil, this is MY house"! It was so loud, it seemed my inner spirit screamed it and there was an echo coming from the woods in front of the house there as the scream escaped my lips.

About the time it was said for the 3rd time, I seen my husband pulling up in the yard. I walked around to tell him what had just happened to me. I said, you know, there is something about that number three. I sat on the 3rd step and he had me tell the devil three times "Devil this is My house". I said, I am going to go get my Bible and see what this means. I left him there in the yard and walked in to get my Bible. I knew it was back on the hamper in the bathroom where I had left it so I was determined to go get it and start looking up some stuff. As I came out of my bathroom, there laying on my bed in the bedroom was some Easter baskets I had put there along with candy in preparation of fixing up the kids some baskets. I paused there a few moments and fixed the baskets as I didn't want the kids to walk in and see them. When I was finished I walked back in to my living room. As I did, I heard the L-rd say, "The Father, Son and Holy Ghost is after them". To this day, I have no idea who they are after. I don't know who the "Them" is he was speaking of. I don't know if it's the bank, or my brother or what after what he has done to me.

I've hung on all those years thinking something was going to happen that the house would be mine. I ended up going into that bankruptcy anyway to save the house. But later we would  learn our attorney had been disbarred and could not even practice law after we had paid him. We never got our money back from him either. We represented our own selves and the judge was mean and didn't want to hear anything at all from us, even though we were left without representation. And then, sometime after that we were late making one of the bankruptcy payments and they wanted to foreclose on the house again. This time we learned there was a way to just pay our way out of that bankruptcy. So we started making payments on the house of 1540.00 a month for 18 months. I do not know how we did that but G-d sure helped us get it paid. And here we are, in 2015 about to lose the home because after all of that, over 20 years ago my brother had surveyed his property along with us having ours done, my dad said to let my brother handle it. Little did we all know, he surveyed all the way up to my back steps. It wasn't until after the fire that an attorney friend of mine pointed it out on my plat of land that I did not even own my back yard like I thought and like the appraisal said as a part of the closing documents on our loan. No place for a well as the whole front yard is no more than septic lines across it. This is a mean old story... I have video that shows my brother cussing us out, telling us he will not give us water and to get our own well... and if you read the whole story, you will find that he kept my water off while we lived in our burned home, refusing to give us water, as the well that fed my home for years was on his property, not ours. 

As to not repeat the story about the fire, I'll stop there with that part. We asked Wells Fargo for a Hamp loan. We were turned down, but turned down over the phone. They didn't even put it in writing. Turned us down because they said there was no well on the property. Well, no duh! They are not worried about us. They will just take the house, and will collect the insurance money on it, and then try to sell it again in hopes someone will not make payment and foreclose on the property again and collect insurance money. They can't even prove they own my loan as of yet because it's not filed in the Deeds and Titles books... It still shows the past Servicer... So who really owns my loan is still yet to be proven. I may lose, but if I do, I'll just go to school to learn how to help others NOT lose their homes like this. If you could see my home now... Wells Fargo supplied Forced place home owners insurance on our property when we were in bankruptcy. We were told because of the bankruptcy we would have to keep it. However we got a few holes in our roof and the insurance adjuster said it was not covered under the policy because we tried to fix it. Well, Wells Fargo said to do what we could to prevent any further damage so we put down that black tar looking paper for one thing until we could get the adjuster out there. So now, there is two big holes in my roof and mold throughout the walls. We could not even stay in the house very long that we didn't want to pass out. It was just awful! The home is still beautiful and I still want my home. We could never come to a resolution as to how to live in it without water and no place to put a well. Surely the Title Policy would have covered this. Oh, that's something else our closing attorney did not bother making a meaningful offer as to "Why we needed to get this". Wells Fargo has a Title Policy and they could have done something but instead, they would rather take the house.

That's just some of the story. The attorney's are blaming this whole thing on a family issue. The problem with that is, If I would have purchased this property and home and this was NOT my brother, then what? The homeowner would still own the well in which the Appraisal says we owned a well and 2 septic systems. Oh yea, the second septic system became my brothers as well, once he stole the property. Yea, there is alot to this story. No attorney would help us, we just didn't have enough money to fight. I'll find another way to fight back, hopefully helping someone else save their home!

As for what G-d said to me... I have no clue why this happened and here after all these years, someone tried to burn it and didn't succeed.. but it's apparent that we certainly may not keep it now either. I guess I'll soon learn what the end of this chapter is. What I do know is, this isn't fair at all!

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