Having to face certain things in our life can be quite scary.. Take me for instance.. The thought of my student loans/payments from all of those long years of college and graduate school causes my heart to skip a beat knowing that I am still having to pay for it.. I hate to see an email from Sallie Mae and will typically wait 9 days to open it only to realize that it's a Privacy Notice Act that was a general piece of mail. Me thinking that they must have compounded more interest onto a loan that I would often pray would just go away.
The same has happened with my Taxes a few times. I recall in 2004 how I had waited until deadline day at 11:30pm to finish up my taxes online.Scared to death that I would owe the IRS AS WELL! SO I waited, and waited, thinking that my 1099's would certainly guarantee an IRS Bill with $3,000k Owed attached. Only to realize that this particular year I actually got back $5000.00. I couldn't believe my Eyes and had to have an accountant verify it. I was looking for cash for my relocation to Chicago and this financial windfall was certainly a surprise.
I have had several sessions where clients were really worried about their homes being foreclosed. They are hesitant to even call their lenders to see what programs that they can qualify for. Afraid to contact them in fright of hearing that the sheriff will be in their homes with an eviction notice. As if a phone call would tip the banker off to remind the eviction department to send out that letter ASAP!, when all the borrower had to do was to place a phone call.
I had constantly reminded one particular client and this stands for the masses. The lenders do not want your home. They are not in the business of emptying homes and sitting on them for months and sometimes years in hopes of selling them. They would rather try to work something out with the borrower in most cases because it costs the banks far more to Foreclose than it does to work something out. There are new programs that are coming out daily.
There are Not for Profit Businesses that are financed through the government to help aid homeowners. Helping them to renegotiate their loans, Modify their loans and even decreasing the amount owed. All one has to do is MAKE A PHONE CALL. Make the first connection and the Universe will do the rest of the walking.
Sometimes our fears just get the best of us. Afraid of being turned down again. Afraid that our problems will not be solved so we're stuck just waiting for the additional stress and the heavy problems to begin. Had she just made the phone call, she would've gotten the same message 8 weeks ago that she got today, "There is a Program that you qualify for. We just need you to fill out some paperwork and we'll go from there" . So that was 8 weeks of stress. Thinking about boxes. Wondering if she was going to qualify for a little studio and feeling depressed because of all that she's worked for was about to go down the drain..
Thank Goodness that she faced her fears by making one simple phone call.
