well, fuck me dead. please disregard my last post.
the house is in foreclosure. not because of anything i did, mind you. my dad has a heloc on this place. he hasn't made a payment on it since last october. so, the bofa said enough is enough. understandable, right?
thing is, we didn't find out from him. we found out because wen'l decided to open a piece of mail marked "resident". i never open that shit. it's how we found out about this foreclosure. my dad probably wouldn't have told us about it until we had a week to be out of here, and i'd have kept paying the goddamned mortgage in the meantime.
the real kicker, however, is this - he's declared bankruptcy. he had to borrow the money from my brother to do it. my mother left him about $400k when she died, three years ago today. add the aforementioned heloc, and he's burned through approximately $450k in those three years, plus fuck knows how much more debt that i have no idea about. she also left him the sole owner of this house, which at the time she died probably would have sold for about $600k. if he'd sold it then, and he knew he was going to move to michigan before she died probably, he'd have walked with about $350k.
i praise the fsm that i didn't get his head for $. my brother got a wee bit of his impulsiveness, but it hasn't cost him anything, really. and i definitely didn't get it. i drive a 13 year old car with 134,000 miles on it. i've babied it its whole life, and *knocking wood* i'll get a few more years out of it. i'd like to pay cash for my next car, or at least have a huge down payment and get the thing paid off in like 2 years.
the bankruptcy could potentially buy us some more time in this house. i need to somehow impress it upon my father that he needs to let things drag out a bit. it could potentially be a year (well, a year from 06.29.09 anyway), with me paying no mortgage. i'd be sitting on a pile from that. moving would be painless and i'd have a nice rainy day fund AND a high def tv. so keep your fingers crossed, k?
speaking of electronics, wen'l cashed in his cisco rewards points on a ps3. :D not even all of them, actually. the next "purchase" will be a nikon digital slr. i cannot wait.