Well guys, it looks like I’ve got a few options here. But, let’s start from the beginning…
I’m 46, divorced, and I currently live in Wichita, KS. I’m not from Kansas – however – my family relocated here after my then-husband got out of the Army. Anyhoo, I raised my kids here, but now they’re all out of the house (with the exception of my youngest who’s 20 and continues to run the streets. I’ve had to kick him out several times so now he only comes home to shower, eat and do his laundry). But for me, after my divorce in 2007, I’m ready to move on!
I have a cousin that’s moving from Atlanta, GA back to the D.C. area where her kids went to school, and as we were speaking to each other on the phone, we both realized that we had similar goals and aspirations – why not team together and make it happen? She still has her connections and ties in the D.C. area, so I emailed her my long resume (I guess it should be a Curriculum Vitae by now), and cover letter, and told her to put her address on both once she finds a place. ETA in DC is no later than September, 2012. However – everything’s not that easy-breezy with me on this…
You see, all within a three month period, I filed for divorce, filed for Chapter 7 Bankruptcy, and was diagnosed with Multiple Sclerosis. Trust me when I tell you…2007 was HELL!! However, because of my stubbornness and perseverance, I was able to make it through the hellish years – but not without the help of my partner and companion, Charlie. He truly became my lifesaver during those years. So, here’s the deal:
Because this move is relatively sudden, I wanted to know if I could simply walk away from the home and not have the bank come after me for it. So I contacted an attorney online via Lawyers.com, and got a response. Basically, the reply stated that I could walk away from the house free and clear – however – I still need to keep the insurance on the house until the bank bought it back so I won’t get sued for damages due to someone getting hurt on my property, fire, etc.
Another option is to sell the house, which is something I didn’t know I could do if the house was included in the bankruptcy. To be honest – I’d rather sell it than walk away from it. I’d thought about renting it out, but at this point in my life, I just want to cut ties with Kansas altogether and begin Phase III of my life! So, I contacted a Realtor – who just so happens to be the Realtor that sold us the house (think that’s some sort of sign?)! She called me back within minutes! So, she’s coming out this Saturday to look at the house. Now – understand that due to a lot of circumstances throughout the years – and my limited ability to do a lot of physical things around the house – I haven’t had the opportunity to do a lot of repairs around the house. It’s not in a horrible state, by any means (I came from a mom that bleached everything in the house), it’s just stuff like walls needing to be painted, bedroom doorknobs don’t work, and the carpet needs replaced. I told her that it was going to have to be an ‘as-is’ kind of sale, because I won’t have the time or the money to do a lot of things before I leave. Also, I plan on leaving a lot of the furniture and appliances with the house – so hopefully that can be a selling point for a starter-home family.
The other issue is the date (September 2012). This is what’s been keeping me up at night. You see, even though I’m ready to leave – I can’t afford to at the moment, the house not withstanding. I have a $900 loan out at my bank, and I set it up to have it paid off by December. If I leave in September, I’ll still need to pay that loan back. The good news is that I have a great job working for the county, so it’s not going to be a chore going to work longer than planned until I relocate. I also teach part time at a local university, so if I can get in a class or two before December, I’d have more than enough to pay back the loan and set up shop in D.C. However, if my cousin is able to find me employment before I get there, then my options might become more limited.
As far as my MS, I’m trying to keep that under control before the move. I know this stress can send me into a frightful downward spiral, so I’m trying desperately to take care of myself! This heat isn’t helping, though. Also – I’m a vet – and I’ve already been informed by the local VA that all of my services will transfer to where ever I choose to go. The good news is that one of the VA’s MS Center of Excellence is right in the DC area, so I’ll be getting my care at one of the top facilities! So, it’s not all dark clouds and rain.
I don’t know – I think I’m doing OK with my decisions. Does anybody have any advice for me at this point?