PLEASE NOTE:

MyNews24 is a user-generated section of News24.com. The stories here come from users.

 
ohomen171
 
Comments: 3
Article views: 1088
 
 
Latest Badges:


 
View all ohomen171's badges.
 

Helping Someone Who Is "Down On His Luck"

20 June 2012, 09:26


Bill has been a friend of mine since 1965. We were in high school together. Bill was blessed with a loving family that wanted to see their only child cared for in life. they left him a nice 4-bedroom house free and clear. It's located in a decent neighborhood in Houston, Texas. They sent Bill to the exclusive Rice University in Houston. They launched Bill as a writer.

Things looked good for Bill early in life. The film maker Robert Altman took a liking to him. He got a major part in the film Brewster McCloud in 1970. He was the man who gave the actress Shelly Duvall her first on-screen kiss. It looked like Bill was headed for a great Hollywood carer and a wonderful life. Bill also wrote a short book called Suede Holloway. It became a cult classic and he got inducted into the Rock and Roll Hall of Fame.

Sadly things did not workout so well for Bill. His movie and writing career never took off. He never found a wonderful partner in life. He got embroiled in civil disputes and never had a meaningful career. He got a mortgage on his house to continue with the lifestyle of a wealthy man entertaining his friends.

One day the bill came due and Bill could not pay it, He fell behind on his mortgage. The lender moved to foreclose his house. In Texas it normally takes 20-45 days to sell a house in a trustee's sale. Bill filed a lawsuit and convinced a judge to stop the foreclosure. What happened next was a 4-year legal battle that is unusual for Texas. It looked like Bill might prevail and save his house.

I devoted literally hundreds of hours to helping Bill. I gave him legal advice. I gave him information on foreclosure fraud. I wrote letters to the judge. I also warned Bill of what I have learned in some 40 years of dealing with courts. If a lawyer on the other side cannot beat you fairly in court, they will always resort to trickery to win. The favorite trick is to "ambush you" with a surprise move. Judges see these things and know that they are wrong and unfair. But if you do not object, you are generally "out of luck." I told Bill to go to the Harris County Court House two times a week and check for any activity on his case. I warned him that he had to be meticulous and watch for every detail.

Bill did not listen to me. He became complacent and over confident. In March of 2012 the lawyers for the morrtgage company sneaked through an improper "sell order" on his property. Bill did not detect this until a month later when the Harris County Sheriff's Office put a notice of sale on his door. We looked at appealing but it was too late unless a fortune was spent for an appealate lawyer.

I explained to Bill that the only way to save his house was the filing of a Chapter 13 Bankruptcy petition in US Bankruptcy Court in Houston. I did a lot of research and found Bill an excellent attorney who used to clerk for a US Supreme Court justice. Bill talked to this lawyer. He felt that she wanted too much money. He hired andother lawyer and got the peition filed.

I spent hours walking Bill through the bankruptcy process. I told him that he had to pay the trustee each month or the bankruptcy would be dismissed and they would come and take his house. I told them that Elena and I both felt that he should rent the two extra bedrooms in his house. I estimated that each room would fetch $350.00 per month in rental income. This would give him $700 per month to pay the lender. He could then earn some part time income to keep him going.

I felt confident that we were on our way to a solution. I got a call from Bill yesterday begging for one or two hundred dollars. Nothing had been done to rent the rooms. His payment to the trustee was set at $1,200 per month. He had only made $200 of the payment. If he does not make some radical changes he will find his bankruptcy petition dismissed. The house will be sold and he will be evicted.

Bill has no savings. He has no family to help him. He did not even pay enough into his Social Security account to have a retirement. If he is kicked out he will not even have enough money to store the goods that he accumulated over a lifetime. He will have to start sleeping in his 1987 Ford Crown Victoria. In Texas he might get a little over $100 in food stamps. Welfare would be paltry and hard to get if he is not a single mother.

We are all supposed ot have compassion and help those less fortunate than we are. I was lucky enough to contribute enough to my Social Security account to have an income of $1,254 per month. My wife is from Argentina. Women there have "zero tolerance" for men who do not produce income. My check goesd to pay all of the insurance and my food and gasoline. I have nothing left to begin sending moeny to Bill. My wife earns a good income but feels that Bill is not a blood relative and she does not know him. She cannnot think of anyone who ever gave her money. She declines to help him.

Please contrast this situation with my dear sister. She has only a high school education. My mother and father were never rich enough to leave her a free and clear house in a nice neighborhood. Last year her house in Bastrop, Texas burned to the ground. She had a huge battle with Balboa Insurance to get paid for her claim. She also lost her place of business and business income when the house burned down. To make matters worse she was separated from her husband and getting little income from him.

In these awful times for my sister she never asked me for one penny of money. She never felt sorry for herself. She waged a hard battle and finally got the insurance company to pay off. She is rebuilding her house and her life. She inherited my mother's very strong character.

I feel sad for Bill. I wish that I was making $200,000 per year and was a big success so I could help him. 

Disclaimer: All articles and letters published on MyNews24 have been independently written by members of News24's community. The views of users published on News24 are therefore their own and do not necessarily represent the views of News24. News24 editors also reserve the right to edit or delete any and all comments received.
 

Read News24’s Comments Policy

24.com publishes all comments posted on articles provided that they adhere to our Comments Policy. Should you wish to report a comment for editorial review, please do so by clicking the 'Report Comment' button to the right of each comment.

Comment on this story
3 comments
Add your comment
Comment 0 characters remaining

Read more from our Users

Submitted by
Kruger
For whom the bell tolls

While speculation is rife of the ANC's impending fall and Jacob Zuma's time that is running out, the party - and it faithful - are gathering in a laager. Read more...

1 comments 321 views
Submitted by
Mahomed Farouk Cassim
Terror a force for good in Parly

A government that loses its moral authority ceases to govern. Instead, it will begin to rule and thus become intolerant of accountability, transparency and democratic processes.  Read more...

0 comments 44 views
Submitted by
Gideon van Zyl
I am not irrelevant - just outvot...

Well at last I am truly back home. One of the things I want to do, is to actually do something about the general feeling of being gatvol about South African politics.  Read more...

5 comments 110 views
Submitted by
CandK
The pearls of an Atheist Easter

I have an extended family that are Christian, and we are not talking the love they neighbour, forgive your mates and do the right thing, of the good old bishop Tutu kind. Read more...

250 comments 2503 views
Submitted by
Makate Rapulana
The colour of corruption

The word "corruption" is without doubt the most (ab)used and politicised word in South Africa.  Read more...

50 comments 1182 views
Submitted by
Makate Rapulana
Who is watching the watchdog?

The late chief justice Pius Langa once averred: “I think judges should have a thick skin. We work in public, we give our judgments in public, and we give reasons for those judgments." Read more...

7 comments 405 views

Jobs in Cape Town [change area]

Property [change area]

Travel - Look, Book, Go!

Escape winter, head to Mauritius

Escape winter by spending 7 nights in Mauritius' tropical bliss from R13 215 per person sharing. Includes return flights, airport transfers and accommodation. Book now!

Kalahari.com - shop online today

Get many eggs in one basket!

Gaming bundles: 2 Super Hits games for R99, 3 Disney games for R99 and more + exclusive accessory bundles only available on kalahari.com. While stocks last. Shop now!

25% off bestselling books!

The Real Meal Revolution by Tim Noakes, Jeffrey Archer’s Be Careful What You Wish for, Man’s Search for Meaning by Victor E. Frank and many more titles. Shop now!

Up to 25% off electronics

Buy top electronics and save up to 25%. Such as kalahari.com’s 1# selling product the gobii eReader, Patriot X Porter flash drive, Asus Nexus 7” 3G tablet, Samsung Galaxy SIII, Lenovo G580 Notebook and many more. Shop now!

DStv HD PVR Decoder now R949

The DStv HD PVR Decoder has further revolutionised the television experience with lifelike viewing, sharper images, more vibrant colours and precision picture quality. Now R949, save R550. Offer valid while stocks last. Shop now!

Up to 30% off appliances & homeware

Save up to 30% on appliances and homeware this Easter! Offer valid while stocks last. Shop now.

OLX Free Classifieds [change area]

Samsung Galaxy s4

Mobile, Cell Phones in South Africa, Western Cape, Cape Town. Date October 24

Best bargain in big bay

Real Estate, Houses - Apartments for Sale in South Africa, Western Cape, Cape Town. Date October 25

VW Golf 6, 1.6 Trendline (Excellent condition)

Vehicles, Cars in South Africa, Western Cape, Cape Town. Date October 25

 

services

E-mail Alerts The latest headlines in your inbox

RSS feeds News delivered really simply.

Mobile News24 on your mobile or PDA

E-mail Newsletters You choose what you want

News24 on your iPhone Get News24 headlines on your iPhone.

SMS Alerts Get breaking news stories via SMS.

Blogs Your opinion on you, me and everyone.

Calais Website keywords automated by OpenCalais.

 
Digital Media & Marketing Association
 
© 2014 24.com. All rights reserved.
There are new stories on the homepage. Click here to see them.
 
English
Afrikaans
isiZulu

Hello 

Create Profile

Creating your profile will enable you to submit photos and stories to get published on News24.


Please provide a username for your profile page:

This username must be unique, cannot be edited and will be used in the URL to your profile page across the entire 24.com network.

Settings

Location Settings

News24 allows you to edit the display of certain components based on a location. If you wish to personalise the page based on your preferences, please select a location for each component and click "Submit" in order for the changes to take affect.








Facebook Sign-In

Hi News addict,

Join the News24 Community to be involved in breaking the news.

Log in with Facebook to comment and personalise news, weather and listings.