Today started off on a bad note. It's raining here and supposed to turn to snow. Roads are icy and kids are housebound driving us nuts. So not fun. I am sick of winter. I slept in a little while but then started to clean house. Of course, DH was supposed to have some cash yesterday from a job he just started and of course he didn't get it. I'm super broke and we need the grocery basics (eggs, milk, etc.). My checkbook is dry and I'll be surprised if I don't start bouncing checks.

Got a call yesterday from Bank of America FIA card services and they are trying to get $120 out of me by Thursday or they will be turning my account over to see what they want to do. Whether they want to write it off or sue me or whatever. Well, go for it but we are going to end up in bankruptcy shortly anyways. I am just waiting for my mortgage modification's to be final. No word on Bank of America mortgage modification yet. I am through the trial period and now just waiting. Hard to believe it's been going on since July already. The government wonders why it's taking so long....well my case would be a good one to look at. I call them all the time and they tell me the same things. It takes XXX days after XXXX before they process it. Whatever! My 2nd mortgage with Citibank I filed in October, they requested paperwok in November, I had a little hiccup with trying to get them to figure out who was writing it but once I freaked out on a supervisor it got actioned right away. I got the final paperwork 3 days later. That has been returned.

I feel bad we are going to end up in bankruptcy but with the spouse not working due to medical issues the past year and no unemployment coming in my income hasn't been enough to keep up. If I could have gotten these mortgages modified a lot faster I would have been able to do something with the credit cards but unfortunately BofA screwed me big time.