Drowning in Debt, Losing our house, Happier than Ever

Welcome to you. Welcome to us. Welcome, welcome, welcome.

Here we are. Our first post on our new blog.

We are starting this blog because we have come to realize that we're an anomaly. Or at least a minority. According to my mom who is right about most things, the percentage of people who do nothing when confronted with losing their homes is 70%. Now, I will find back up on that, but 70%. That's pretty high. So we're in the minority because we are actually talking to the banks, have our house on the market, reorganizing debt and making a plan to pay it off. That's a start and this blog will be all about that so I won't go into it here. But I do want to make the assumption that we're probably in even a smaller minority because in addition to confronting our debt and taking responsibility, we are also doing it with grace and power. We're not victims, we're not depressed, we're not angry, forlorn, devastated, etc. We are actually happy.

What is all of this but opportunity? Losing everything is an opportunity to start again with knowledge we didn't have before. It's an adventure. It's something to write about. It's a way to put priorities in perspective. It's a challenge that we're accepting.

Are there days where the challenge is overwhelming? Yes. But luckily we're usually not in the same place at the same time. When one is down, the other is there to bring things into perspective.

How's our credit? TERRIBLE. Worse than ever.
How's our marriage? FLOURISHING. Better than ever.
How is this possible?

Keep reading...

About Littof

I am Steph, he is Bob

He is the computer consultant, I am the writer
(But, I love it when he writes and he loves it when I geek-out on the computer.)

Love in the Time of Foreclosure was created on the hunch that people might want to hear about our experience on the inside of foreclosure. The stories, the details, the lessons we're learning. We have been doing everything in our power to avoid foreclosure for the last 9 months and we're learning A LOT in the process.

We bought our 3 bedroom 1.75 bath house in Los Angeles in September of 2006

At this moment we are very close to selling our house through a short sale.

We are also very close to foreclosure.

We are creating a plan to climb our way out of debt... while staying sane, while having fun, while creating an amazing future for ourselves that we had never previously imagined, while prioritizing our marriage, our love and each other. We've made lots of mistakes... and we're learning.

As my mom says: "It's not what happens in life that defines you but how you respond."

And as my dad says: "Just keep feeding the good wolf."

We are committed to responding responsibly, powerfully and creatively... and we will continue to feed the good wolf.

I'm from Chicago, he's from Iowa

We met on an AIDS Ride from Minneapolis to Chicago. We rode our bikes 500 miles in 6 days. This was our first date. And that was 11 years ago.

May 31, 2009 is our 6 year wedding anniversary

Love in the Time of Foreclosure is our story.