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Non-negotiable

Our divorce agreement states that she would take control of, and pay, the mortgage on our home.

I called CitiBank mortgage company last week to ask about the status of account.

Long months ago she told me that she wanted to restructure the loan to make it more affordable for her to pay. She filled out the application and needed me to sign it to make it legal. I stated that if she wanted to change part of the agreement, I wanted a chance to change part of it it also.

I wanted the chance to see each of my three children individually, every so often – alone. I’m in a continual struggle to find anything to do that would satisfy three radically dissimilar children in differing developmental stages – a fifteen year old boy, a twelve year old boy and a ten year old girl. There’s no appropriate movie for an ten year old girl that a fifteen (almost sixteen) year old boy wants to see. And there’s no movie for a fifteen year old boy that’s appropriate for an ten year old girl. Let alone movies, what activities do I choose for the three of them that would keep all three satisfied, curious or simply be fun? Each weekend that they’re here, as they are now getting older and establishing individual identities, it gets razor thin to impossible to stop the arguments, confrontations, bitterness and resentment that they feel toward me and even more so, toward each other, for having to attend something, or do something together, that they don’t want to go to. So, I wanted the chance to see each child, alone, at least once a month.

The chosen date would be one of my weekday nights and it would come out to three and a half hours per month for a chance to see my only daughter alone, see my middle boy alone and time with my fifteen year old alone. For each child that would come out to a total of only fourteen hours a year! It would be a time for us to do something age or gender appropriate that they alone wanted to do with their father without the pressure of having to be coerced into something generic for the three of them. This is something that married parents never even think about when they take one child alone to the store for shopping, go to an age appropriate movie, attend one of their team sports events … the others can be left alone at home, at a friend’s house, a neighborhood friend if they want to be, and still remain content. I don’t have that option or luxury.

On the Tuesdays and Thursdays that I see them, I travel about twenty-five miles one way to pick them up at 4:30PM. Then I drive the four of us twenty-five miles back to my apartment. By 7:30PM, I have to bring them twenty-five miles back home again, and then twenty-five miles back for me. For one night, that’s one-hundred miles. For the two day weeks, it’s two-hundred miles. On the opposite weeks when it’s Mondays, Wednesdays and Friday, it’s two-hundred and fifty miles for a two week total of four-hundred miles. I asked if she could pick them up only one night a week from my apartment for a total of fifty miles a week, or one-hundred miles total over two weeks.

I also asked if I could get access to my storage area (in the basement room that holds my clothing, books and various other items) once a month. Come fall (like it is now), when all I have are summer shirts and light jackets, I’m usually freezing and dressed inappropriately. Same for when spring hits – I’m still in winter clothes. I wanted to be able to quickly sift through boxes and gather belongings that I needed and drop off boxes with what I didn’t need. I don’t even venture up the stairs into my own home when I’m there.

Lastly, I asked that the difference between what she was supposed to pay for the mortgage, and the new payment amount be deducted from her side when the house was sold. I didn’t think it right that when the house was sold – having less equity because of the restructured payment schedule, that I should be penalized in profit. I wanted to have enough money to put a down payment on something small for my kids and myself and because of the restructuring, I would have substantially less.

 Those were the four items I asked in exchange – see my children alone once a month, have the children picked up once a week, get stored items when I needed them and not suffer economic penalties for a restructuring of the mortgage in her favor.

She wouldn’t agree. She said it was blackmail.

If I wanted to see the children alone, I needed to take them an additional day during the week she said. I responded that I absolutely have to work two jobs just to stay afloat – paying health insurance (which went up), taxes, child support, my apartment, and all the bills I have, and couldn’t take an extra day. My life schedule is working and seeing my kids! All I do I see the children one night and work the next.

I responded with how difficult it was trying to satisfy the age and gender difference in an apartment when trying to keeping them busy, how many miles I needed to travel each week, how badly I needed to exchange clothes, and how unfair it was that I had to lose financially in the end because of the mortgage payments she is responsible for.

Especially in regard to the children, I appealed to parenting instincts, good sense and what would be better for the children. She appealed to financial issues.

She wouldn’t budge on my seeing my children alone, picking them up even once every two weeks, allowing me access to my belongings or the payments. She refused to even negotiate on any one of the points.

She walked away from me.

I didn’t sign.

I received a notice in the mail Friday that CitiBank is beginning foreclosure proceedings.

Help.

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  1. 12/07/2010 at 7:31 PM

    Can you pay the mortgage and take the house back over?

    Cassie sent me over to your blog. Sounds like you’ve got a lot on your plate right now. The best thing I can tell you is that time will make it better. Even if it doesn’t seem like it right now.

    *hugs hon*

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