We started this out of desperation. We have tried every avenue; this is our last resort to save our home.

ALL DONATIONS WILL BE GOING TO THE MORTGAGE COMPANY.

My parents promised me their house after they passed and I promised them I would keep it until I left it to my son. I may not be able to keep that promise.

Not sure when, but things weren’t making sense on the account and no one would talk to me about it…. the BMO mortgage doubled our monthly payment, without notice to the estate, and without us knowing that, late fees piled up. They added on multiple "Property Inspection Fees", no notice of that. I have looked at multiple years of mortgage statements and that has never been a charge on the loan. They also have a $1000.00 payment on hold, unapplied sitting there. I tried to access the mortgage account online to investigate all of this, they have me locked out of it.

They turned the loan over to a collections law firm. With all the added fees, doubling the amount of the monthly payment, and holding that $1000, we have to pay a bit over $11,000.00 to reinstate and bring the loan current or pay the full amount due. If we do not do either of them within the next week or so, they will start the foreclosure process.

We were blindsided by how they did this. I really question the timing of it. The new property value assessment was done recently. The value of the house is 3 times what the pay off amount is. That would make the mortgage company a huge profit. Makes ya think.

Here is some background that led us to this point... I am so sorry that it is so long. Our life is so messy.

My mom had 9 cancers, diabetes, polymyalgia, rheumatoid arthritis, non alcoholic liver disease, kidney disease, 2 knee replacements, amongst other health issues.

November 2017: I moved in with my mom. We kinda leaned on each other.

March 2018: I was placed on disability. July of 2017, I was diagnosed with cancer after a complex surgery for the removal of abdominal adhesions. For decades I have had PTSD, untreatable bipolar, depression, severe anxiety, arthritis, migraines, fibromyalgia, 2 knee surgeries, back problems, and survivor of 15 years of domestic violence, etc.

Summer 2019: My mom started having difficulty walking and began using a walker. In the fall, she was having memory issues and confusion. But still doing pretty good day to day. Summer 2020: I had to move to a wheelchair because she no longer had any balance, her body would give out without warning and she would fall. She was having issues with her memory, so I scheduled her with a Neurologist for testing. They also performed a muscle biopsy to send to the Mayo Clinic. Mom was diagnosed with Lewy Body Dementia.

If you are not familiar with that, it is a disgusting disease. Her body betrayed her. Moments of mental clarity, terrifying moments of paranoia, not knowing where she was, not knowing who I was... at times refusing to take her medications or eat due to thinking I was trying to harm her. All of a sudden she knew I was her daughter and she was fully aware of everything. A lot of times she would have conversations with my grandma & my dad, she passed in 2000 and my dad passed in 2004. I would have to explain their passing to her many times and she would grieve each time. She would believe my dad was in bed with her. It was heart breaking knowing at some point she would realize he was gone and she would feel the loss all over again.

August 2020: I met my boyfriend Carl. The first time he met mom they hit it off. Talked about Sci-fi and horror movies. He was amazing with her. They would joke with each other, usually ganged up on me. He could really get her going and would listen to all of her stories. After he moved in, he immediately started helping out. He didn't like that I had to carry her up the steps and walk over the stone pavers, so he bought a cement mixer, plus all the supplies and built a wheel chair ramp and side walk to the drive way from our patio so it would be safer for us. He also rebuilt the retaining walls around the patio after damage of years of rain washing the dirt away and to give her lilac bushes more room to grow. She trusted him to do whatever he felt needed to be done and that he would do it right. I remember the first time she referred to him as her son in law. If we would get in a spat, she would take his side. And vice versa. I didn't stand a chance with the two of them.

Winter 2021: Sadly the LBD progressed faster than we had hoped. When I was 55, I became the mother. She was now the child. She lost all body functions, I would carry her to the bathroom, she couldn’t remember how to use it. She needed someone to feed her, bathe her, dress her, etc. That was me. I was exhausted, stressed and so pissed off at this disease that was stealing my mom from me. I barely slept, having to stay awake when she was. When she slept, I took advantage of that time to do everything else. Including our 2 dogs. Carl worked the 2nd shift, so that helped a lot. Even so, I was always angry at the disease. Watching her slip away, none of the therapies or medications helped slow down the progression.

December 2021: Bandit, our Brittany, was not doing well. We found out he had cancer. There was really nothing they could do. A couple weeks later, I had to take him to an animal ER for his pain, the morphine they prescribed would knock him out.

He stopped eating and drinking. Just stared into our eyes. We had to put him first. That was not the life he deserved to live. He crossed Rainbow Bridge on January 9th 2022. Which happened to be our Labs (Duke) birthday. It hurt everyone's heart to lose Bandit. He was my best friend for 8 years. He helped me through so many things. He was Duke's brother for 7 years. I slept with Bandits ashes under my pillow for about a week, until I was told that that wasn't healthy mentally for me. My depression deepened. I couldn't take much more. None of us could.

April 2022: Duke's depression worsened. The vet recommended we get him another dog. June 2022: I finally found the one. A silly looking dog on Facebook. He looked like a Dalmatian, but I couldn't figure out what was wrong with his legs. Come to find out, he is a Bassamatian. Basset Hound / Dalmatian. When we met with him and his owner, Duke took right to him like they have always known each other. Getting ready to leave, both jumped up in the truck and didn't look back. Buddy and my mom fell in love with one another. He was her baby. I swear Bandit sent him to us. We are his 5th home in his first year of his life. How could no one want this silly little creature. Just when we were having something good in our lives, the bad became worse.

September of 2022: That horrific disease took my mom completely, she was tired all the time. Stopped eating. She was having difficulty breathing. We had to take her to the hospital. She had developed pneumonia. With that and her dementia complications, after two weeks it was decided that she needed long-term inpatient care and was transferred to a long-term hospital facility. When I was up there visiting, she would cry, telling me she was sorry that she was tired, and that she wanted to see my dad. She had a DNR, which I always respected and fulfilled her wishes, but she did finally agree to a feeding tube to hopefully get her strength up to be able to fight the pneumonia and go back home. She was on full oxygen. Then it progressed, she was sleeping all the time, couldn't talk, barely opened her eyes.

October 11th 2022, after discussions with the doctors, my son and I decided to remove the oxygen, we told her it was okay to go. She passed within 15 minutes.

My mom passed sixteen days before I turned 55. In those 55 years, there were only 3 days that I either didn't see her or talk to her. She was my best friend, not just my mom. I lost my identity as a daughter. I felt lost. I didn't know what to do. All of this was very beyond description, difficult on me mentally, emotionally, and physically. Caring for my mom became my life. I eventually stopped taking care of myself. Not going to my doctor's appointments, eating right, stopped sleeping altogether.

October 22nd 2022: Was her funeral. It all hit all of us hard. I stopped life. I laid on our couch for weeks, didn't bathe, I would either not eat at all or binge emotional eat. I cried around the clock, wanted my mom and dad back, the pain in my heart felt like a heart attack. I was suicidal. I moved into the rabbit hole. This went on for about a year. My son pretty much conducted himself the same way.

December 2022: Carl had to go back to work, savings were gone, we needed to pay our bills. Another blow... February 2022, he was diagnosed with mouth cancer. In March they did a tumor resection which involved partial tongue and gum removal, as well as neck dissection to remove 84 lymph nodes. After 4 days in the hospital, he was able to go home and have nursing come in and treat his drain tube in his neck. Two days after being home, he developed a blood infection and almost died. Through all this, on the outside, I was being strong and positive for our families. Inside I was destroyed, terrified of losing him also. I couldn't share any of this with anyone. He developed depression and anxiety. He was able to come home after 6 days and started to recover. He was able to return to work in May. July 1st, the company he worked for announced they were closing the plant in 30 days. His depression worsened.

December 2023: I had to go to the hospital for stroke symptoms, I was diagnosed with non-symptomatic migraines, which give me the stroke symptoms but I do not have the pain of a migraine, all stress induced. I have to take medication daily.

November 2024: Carl finally found a new job in his field. That helped him a lot and we were going to be ok.

June 2025: I finally started seeing a new psychiatrist. I was diagnosed with untreatable PTSD and survivor's guilt. I was trying to get better, with his help, additional medications, and trying to accept I needed to let myself live again and not feel guilty about it. I stopped crying multiple times a day, and getting at least a few hours of sleep, starting caring for myself more. Things were looking up.

BAM We were blindsided with being turned over to collections. What?

Now we are probably going to lose our home! I don’t think I could recover if that happens.

I was in contact with the mortgage company every month. I was given different information each time. Each time I had to explain who I was and why "I" was calling and not my mom. I was reliving her death over and over again. BMO's bank had no issues discussing everything with me. The statement showed we were behind 2 payments, not true. There must be 2 payments that were not applied. I kept on paying the extra payments, half payment at the first of the month and the other half two weeks later, until I could get it all figured out.

Then the online account and the call center stopped accepting partial payments, due to all of the mess we had gone through we needed to catch up, they wouldn't take our money. I was begging them to take our money. They would only take the full amount. I started taking cash into the local bank. They would even look up the account number for me. Hmm. Doesn't make sense.

We couldn't afford over $9000 for a probate attorney, the only asset in moms estate is the house. So I have to do it myself, I did not start it sooner because it would finalize my mom being gone. Erasing her. It was just too emotional for me. BMO demanded a letter from the Judge declaring me Personal Representative on the estate so they could talk to me. Per a phone call 2 weeks ago. So I had to force myself to file the probate.

The law firm has no information about any of the charges, or the $1000.00. They said I needed to talk to the mortgage company. A couple of days later, I got a letter from BMO mortgage that I will have to contact the law firm for anything regarding the loan. They no longer have anything to do with it. Seriously???? So I guess they don’t need that letter from the Judge after all.

I was getting better with things. Life was getting better. We are stressed and depressed. Not eating or sleeping right. Applying for loans, trying to sell everything and anything someone will buy. So far… no luck with either of those.

I am so very sorry this was so long. Even if you can't help, thank you anyway for giving us your time. We appreciate you. And we are glad you woke up today. I know some days that it’s hard to do.