As I detailed in three posts yesterday, my wife and I have come to the conclusion that we will most likely need to give up our house. It's not something we relish doing, but we've come to realize that we don't have (and probably will never have) the financial stability for this to be sustainable.
So, I decided to be proactive in regards to this issue. We purchased our home through the USDA Rural Development Direct Home Loan Program and so I called USDA to discuss the various options available and the ramifications of each one. Well, I suppose I should say that this was my intent because I received very little information about options or ramifications.
You see, bureaucracies are not used to people being proactive. No, they expect to deal with borrowers ONLY after borrowers have gotten behind on their mortgage payments. At that juncture, USDA starts sending out letters threatening foreclosure. Since I'm a rather intelligent bloke and I realize the direction this situation is headed, my hope is to work with them BEFORE we get to that point.
To my utter amazement, my proactive stance was rebuffed. Why? Well, according to one USDA rep, they can't offer us any options UNTIL we begin falling behind on our mortgage payments!! In other words, they are trying to dissuade me from getting out in front of the problem and to wait until the problem mushrooms!
I'm not so easily dissuaded. I'm going to keep working on this issue. I'm fairly certain I will encounter more resistance and this will lead me toward greater frustration, but I feel that the responsible thing to do is to try to head off a major problem before it becomes too big and swallows us up.
Me thinks Laozi would agree.