Atlanta

August 17, 1012 – I have been so hyped about moving but it seems like I am in “hurry up and wait” mode. Time just seems to drag on and on and I feel like I am living in limbo.

With less than two weeks before my move, the A/C has stopped working! Its the middle of August in Georgia!!! Are you kidding me? Seriously?!!!

A close friend of the family came out to the house to diagnose the issue. Guess what? It’s the compressor and the recommendation is to replace the entire unit. I scoffed at the idea. Why would I shell out close to $3,000 on an A/C unit for this house?

You’re right, I wouldn’t. Instead, I took my happy hind parts right to Wal-Mart and purchased a fan to place in the bedroom window. Between it and the oscillating fan I already have, I should be able to survive a couple of weeks. I will just live in my bedroom.

Only a few days into living with no A/C, I come home to find a locksmith in my driveway. As I am pulling into the garage, I stop to ask him what the hell was he doing. In broken English, he asked if this was 5721 Blank-Blank Drive to which I replied, “Yes, it is.” Long story short – The house sold during the foreclosure sale on the courthouse steps on 8/7 and this guy was here to change the locks. He proceeded to ask if I wanted to speak with his boss on the phone and I told him hell no with a rather indignant tone. (This would haunt me hours later.)

Can you say PANIC?!! Freaked the f**k out?!! Especially after receiving misinformation from a friend, who previously worked in the mortgage industry, that the sheriff might show up at the front door the next morning to put me out. Even knowing in my heart of heart that this couldn’t be legal, I panicked.

My plans were in place to move but that was not scheduled for another two weeks. How in the world would I, could I, get my things out by morning? I spent the next several hours on the phone with family lining up contingency plans. I paced the floors in the hot ass hallway of that house for hours – worried. When I finally got in bed, I sat there rocking and literally wringing my hands – panic stricken. Why didn’t I talk to the guy’s boss on the phone? This is the price of indignant pride Chocl8t!!!!

As I sat there I had a lucid moment when I decided to turn on my laptop and go to Google. Having been a landlord before, I was vaguely familiar with Georgia eviction laws as they related to landlord/tenants but how that applied to mortgage foreclosures was foreign to me.

After some digging and researching the internet in the wee house of the morning, I found out that when a home is foreclosed, the individual owner becomes a tenant and the mortgage company, or property buyer, becomes the landlord. The landlord must abide by and follow Georgia laws and follow the eviction process. Considering the fact that I had not been served with an eviction notice, the sheriff would not be knocking on my door in the next few hours. That at least allowed me to sleep for about three hours.

I was on the phone by 9:00 am making calls to the attorney’s office that handled the foreclosure. As it turned out, a property management company purchased the house. It took several calls but I was able to reach the point of contact, Mr. Goldstein, located here in the Atlanta area. After explaining to him what happened the night before, he apologized profusely stating he had information the property was vacant. Oh yeah, the locksmith had already drilled out the lock on the back door!

I informed Mr. Goldstein of my plans to move but not before he asked if I wanted to stay and rent the place. Apparently, this is the new trend in the metro Atlanta area. Investment companies and property management companies are buying foreclosed properties and renting the homes, in many instances, to the previous owner. Experts point to this as one reason for the recent up-tick in home prices here in Atlanta. It has its pros and cons. You can read about it HERE.

Although the crisis was averted I changed my moved date to 7 days earlier. Lucky for me the tenants at the new place moved sooner than expected and had it clean and ready to move in!

Yeah…time to get the hell out of Dodge!!

The decision to walk away proved easier than finding another place to live where this foreclosure would not be an issue.

It all started with me firing my real estate agent, Mona B, of 2 1/2 years. I should have cut ties with her last winter when she pushed me off on her “assistant” so she could cater to one of her investment clients. To call the assistant inept is a compliment. We will call her “Kay” simply because I can’t remember her real name.

Kay was tasked with removing the lockbox from my front door because the heat between the glass storm door and the metal front door caused it to malfunction. We agreed on a day and time that she was to come to the house. I made it perfectly clear that I would not be available until after noon so we settled on 12:30 pm. So why did she call me at 10:00 am to inform me she was on her way to my house?

Kay: This is Kay. I’m on my way to your house to remove the lockbox.
Me: Uhm, No. You’re not on you way to my house. I’m not at home. Didn’t we agree on 12:30?
Kay: Well I got out of church early. How long do you thin you’ll be because I’m just 20 minutes away.
Me: I won’t be back until 12:30.
Kay: Oh.
*Long pause. Deafening silence*
Me: Okay. See you then.
*I hang up*

There were several other “incidents” with Kay that left my blood boiling. I could never reach her boss, Mona B, on the phone. I would leave messages and she would have Kay call me back. Frustrating and infuriating to say the least.

When I finally spoke to Mona B she admitted putting, not only me but other clients also, on the back burner to attend to her investment client who was spending a crap load of money. Even though she apologized, I should have fired her then, but I didn’t.

It took for this to happen again that I cut all ties with her. The second incident is just as bizarre and left me feeling like I was in an episode of the Twilight Zone.

I met an agent on one of my previous visits to see a rental property. Kristy gave me her card and said if there was anything I needed to call and she would help. Well, I called and explained my situation. (House in foreclosure, employed, need a rental.) She basically called me a “disgruntled” homeowner, let it be known that agents make little to no money on rentals, and she could send me a few listings but that was about it.

Well, alrighty then. Her honesty hit me between the eyes like a brick. Ol’ bitch.

But as fate, or luck, would have it, I met another R/E agent who was more than happy to help me find a new place to call home. We met when I called to inquire about a property listed by the broker who employed him. It took me and Jimmy B about 2 1/2 weeks to find the perfect spot in Midtown. But not before I was turned down and turned away by two other prospective landlords.

I was upfront abut my situation, the impending foreclosure, because I thought it better they knew going in and before pulling my credit. After providing all of my personal and financial information, which included pay stubs, one landlord wanted to know why I take “married” deductions but stated I was “single” on the rental application. How did he think that was any of his business or how it related to me paying rent was beyond my understanding. My application was denied.

The other property management company for another property would not even take my rental application after I disclosed the foreclosure. As common as foreclosures are these days and the staggering number of people in similar situation to mine, this left me stupefied…not to mention discouraged.

However, all was not lost. The listing agent of my new place welcomed my application knowing the situation. Her words to me, “Their loss is my gain.”

Midtown, here I come!! My commute will be cut in half! HALF EDDIE!! From 50 miles and 1 hour 15 minutes (on a good day, which is rare in Atlanta traffic) to 26 miles and 40 minutes!!!

I am beyond excited nor can I wait to move!!!