Help Save Kristen's House!
The Gist
Hello! I'm Kristen and I'm raising funds to save my home, affectionately known as The Catillac Ranch. Here's a basic outline of this truly convoluted story...
I lost my career of 15 years, due to Covid. Freddie Mac failed to acknowledge the Covid forbearance I had on my mortgage. They foreclosed on my home, unbeknownst to me. Served me while I was living in temporary housing due to a house fire. Sold my newly remodeled house at auction. I found this out AFTERWARDS, when a slumlord contacted me and offered to rent my home back to me.
The mortgage company took me to court and *I* won. But... Somehow, I have to pay ALL the "missed" payments and their attorney fees AND all the fees from them selling my house. That doesn't even include the $5-6k that I owe MY attorney to date.
I've already paid and used up my attorney's retainer. I also had to pay off the slumlord that bought my house to make him go away.
In December of 2024 Aurora Financial Group (Freddie Mac/Roundpoint Mortgage) threatened to foreclose on my house AGAIN because I had not come up with the $31k they demanded to reinstate my mortgage. These people are truly terrorists, there is no negotiating with them. They get the amount they demand or they take the house.
In January 2025 I had to file an emergency bankruptcy petition to save my house. Since then, I have been working with my attorney to negotiate payment. They want $1800 minimum by May 9th because Aurora Financial Group is threatening to have the bankruptcy voided. Ideally, $9000 will make everyone calm down.
Additionally, Belfor (the shady restoration company) never completed the work they were contracted to do. There are things they neglected that have caused water intrusion into my house. I have three walls, a portion of ceiling, and the flooring in my kitchen that will need to be replaced. They are trying to claim that I still owe them. Yet, they ghosted me and never completed work.
I've been dealing with the house fire stuff since October 2022 and the mortgage debacle since June 2023. Sometimes, I'm just paralyzed with fear and I wonder how I'm even alive at this point.
The GOOD news is that my house is back in my name as of December 2023 and it's (mostly) beautifully redone. I need help keeping it that way. Thanks for reading!
* I will be posting the miles of receipts, documents, etc that I have. I've had people take advantage of my kindness and I would NEVER.
** Any funds above and beyond the goal will be used to upgrade my 1939 plumbing and wiring.
The Background
1- It all started when my mom was killed in 2014
11/11/2014 I was at work and received a voicemail from the Adrian Police regarding my mother. I *knew* it was bad... my mom was not the kind to get arrested. I clocked out and went to the parking garage to return the call. That's when I learned that my mom was run over by a Chevy Silverado while crossing the street and had died as a result of her injuries.
The stress and grief were immense, to say the least. It was a lot to shoulder myself. I had two weeks to clean her apartment out and find a home for her cat. Fortunately, my partner at the time was a great help to me. I don't think I would've made it without him and my BFFs.
We had 5 close family members die between May 2014 and January 2015 (8 months). His paternal grandfather (old age), my maternal aunt by marriage (COPD), my mom (blunt force trauma), his maternal step grandpa (old age), and his paternal grandmother (old age). My partner started to grow distant. He disclosed his feelings to me in summer 2015 and broke up with me summer 2016.
I was stunned and had nowhere to go, since my only real family was dead. I told him that I wasn't going to live in some shitty apartment just because he was unable to express feelings and communicate like an adult. I moved into the guest room for a year while I got my credit up to 720 and saved for the down payment on my home.
Through a lot of therapy, medication, self reflection, and podcasts I realized that HE was the one with the problem. He couldn't deal with the fact that I, the strong person in the relationship, couldn't be the strong one for a while. When I would cry, he would just sit on the couch and stare at me... maybe pat my knee or something.
I have included links to the news articles about the accident and trial. I just found out about the trial THIS YEAR!! In 2014 the police told me that he was just given a moving violation for turning into the wrong lane because this was an "honest accident".
I was NEVER NOTIFIED ABOUT THE TRIAL. I only found out because I googled
to see if John Trerice is still alive. I am FURIOUS that my mom didn't have anyone to represent her in this case. No one to tell her story and no one to talk about how her tragic death effected those that cared about her.
https://www.lenconnect.com/story/news/courts/2015/10/08/trial-set-in-crosswalk-death/33313441007/
https://www.lenconnect.com/story/news/courts/2015/12/11/probation-prayer-for-driver-in/32893588007/
Organizer
