The value of the home has dropped significantly in the past 5 years I have owned it. When I bought it, it was a foreclosure and now it is worth (according to my assessed property taxes for the year 2012) about half of what I paid for it in February 2007. So it is definitely upside down as far as what I owe on the property. There are no second mortgages that I have, and have never refinanced. The only other debt I have is school loans and my credit card (which unfortunately is higher than it should be due to the battle of finding a job). I cannot afford to hire an attorney, as I just got my first paycheck from the MN DOC, and have spent most on my utilities and paying the credit card bill. The mortgage company (Wells Fargo) put me on a 90-day moratorium in June 2011, which expired in October. I have not made a payment to them since June (because funds would not allow due to the low paying part time job I had obtained during that time).
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Today's Featured Article - Tractors and the City Boy - by Ken. A few years back I came to the conclusion that city life wasn�t for me. The houses so close together you could hear the neighbors fight, traffic so heavy speed limit signs meant nothing. So I started looking for the ultimate country setting. After many months I found the perfect place, off the beaten path, up a private � mile drive, old stone house which has stood the test of time, out buildings which haven�t stood the test of time, trees, birds, rabbits, and snakes. This is the place! Bought
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