TexMontana wrote:You and I are debtors. That's why we are here ~ trying to figure out the best ways to maximize our FICOs. But now I have to share what I am going through, from the side of the debtee.Last August, I sold a house to a seemingly nice couple that had terrible credit, mostly due to the 9/11 attack. He owned a small family motel here in town, and after 9/11 the business came to a grinding halt. He lost the business, as well as the 3000 square foot house they were building. So, yeah. I felt like helping them.I allowed them to assume my mortgage, and had an attorney draw up a second mortgage that DH and I hold - at 6.5%, no less. Believe me. My attorney did a GREAT job protecting my investment. The buyer had his attorney read and approve it, and we closed on Aug. 31, 2006.Yesterday I had to deliver my final foreclosure notice, and it really sucked. My stomach was flip-flopping and I thought I was going to vomit. Not because I feel sorry for them. The expectations were crystal clear from the get-go, and I let him go the last 6 going-on 7 months without paying me. But I'm just a decent person who thought these people could use some help. Now, I have to be a hard-@ss and deliver foreclosure notices. I called, emailed and wrote them letters - just asking them to let me know what was going on and what I could do to help. Basically, he just blew me off until the letters got drowned in legalese.He paid me some money - not enough to cover what he owes, and he still doesn't understand why I'm going forth with the foreclosure. Um, maybe the notice of sale from the county tax assessor? Maybe your lack of communication? Maybe your lack of money?Last night he called, and frankly I didn't feel like talking to him so he left me a rude voicemail about what a jerk I'm being. Yeah. I sent him an email this morning just basically reiterating that I am done dealing with him. Again with the gastric flip-flops!I'm really saddened to say that my urge to help those in need has been seriously diminished. No, I'm not Sister Teresa, but we should all help where we can. But, you know - sometimes it just jumps up and bites you in the butt.Thank you for letting me rant. Ahh. I think I'll go eat some good ol' chili for lunch!