I Deserve the Right to my Deceased Parents Home

I've been fighting hard for 5 years now!  For the right to adjust the mortgage terms under my deceased father's mortgage agreement to my income level to afford to keep the only thing I have left of my family. My father was in a car accident in Cleves Ohio in October of 2019, he spent 70 days in the University of Cincinnati Hospital, with multiple problems erupting after his kidneys shut down, as I was told from a physical at the hospital "due to a direct blow from the accident as in when a boxer gets hit with direct contact to the kidney can stop them". He ultimately sercomed to his injury/illness and we had to remove life saving devices and allow him his rest, at the age of 59 yrs old! This was December 17, 2019, from the point on is has been an uphill battle for me, first I was working two jobs before this and COVID 19 directly removed these jobs one being a restaurant "Patric's" on st rt 128 in Cleves had to shut down and i wasn't currently working as of my father's condition/ but not fired and did return at times during his stay in the hospital, but did not qualify for unemployment for being a waitress with a special number for the COVID 19, my other cleaning self employed position was stopped due to elderly concerns of outside community people accessing the hallways as an elderly man passed away from COVID 19 and most occupants were elderly, this left me with no income at all with the grief of losing my father just days before Christmas and an unclear mind, my son and his then wife whom lived over an hour away with horses and dogs to care for with 20+ acres of land were called to military duty National Guard, to help prisons in Columbus Ohio during COVID 19  and my son needed someone tò look over their land and animals , so as his mother he needed me and our country needed them, although i was not in the best mindset to do so and then worries for their safety made it worst. I also had my youngest still in school and the schools were in disarray with not fully knowing processes for the pandemic, she was back and forth in and out of school with me being in an hour away with limited phone service, being in wooded area, I was not able to communicate well with the schools and procedures and my youngest daughter lost the support she needed but she did have my sister and a good friends mom helping. Still another worry for our family, lastly but not least my middle daughter was an adult and my father's right hand girl was taking care of his home and the cats he left behind and I know she was devastated and alone without my help as well she did have her long time boyfriend for support but as you can see our family was separated by this epidemic and devastated by my father's loss as he was a huge part of our family as was my mother who passed exactly 9 yrs and 11 days before him! At the age of 58 from a heart attach due to complications from cancer and passed away in the home I'm currently trying to save. Now from there I was evicted in a small gap in the decision making of Congress passing the the stimulus packages with lifted the the eviction ban for a short time and after living in the home 4.5 years was evicted and had to get rid of most of my things and move into my father's parents home and during this time we had to get an attorney that was attained by my daughter when I was not in full contact to help and support her, which i believe is why the conflict began between me and my daughter as she was doing what she thought her Papaw wanted and was led by I believe an unfair attorney actually stating to her as I was a sigle beneficiary and he left no will , " That he did not want to deal with me he felt I was rude and over talked him, and rather wanted to deal with my daughter and have me sign paperwork". Which I felt was illegal and unethical and did not want to move forward with him but my daughter felt confident and had done allot of dealings with him already so I trusted her judgement but felt uneasy from the get go! It turns out I feel I was right so during this time I started refusing to sign anymore and wanted full documents with no avail my daughter stood with the attorney and was angry with me and contested me as the beneficiary with no money for an attorney the courts assigned a new fiduciary and removed me from it, and I was glad because with contact and direction from the attorney I had no idea what the fiduciary actually meant and it's a JOB! and I was not in my condition to do it! At this point it's caused my family to be completely broken and I was left in my parents house alone followed by the loss of electric for roughly 3 months in the winter and pure depression as the darkness, sadness, and alone and at times our country recommended to stay inside. I spent hours in the home going through papers and lots of memories and articles of things that had me feeling every emotion of my life making me wonder if I was having a nervous breakdown and honestly wanted to give up! But with the willpower injected into me from my parents and the Lord Above my mind told me my kids needed their mother and to get up and do something! Without being able to work I started on my parents home and all I kept in my mind was they would be proud and happy that I was remodeling their home and I took whatever I could get my hands on and what little old tools were left in the home including things from the trash if a cabinet refacing business around the corner and leftover cut pieces of bathroom tiles that my daughter and her boyfriend remodeled the bathroom with , I took time to watch allot of how to videos and it took a lot longer than I wanted to as I'm still at and very little money so has to save here and there I've been putting my heart and soul in this home and although it's not a professional job and I know some things could be alot better with all the new priducts on the market ive done things to best if my ability with no one directly helping me and and very little money! I keep using a term my dad used to say " Waste Not Want Not". And I sure believe it I use everything I can seeing potential in the worst of things but let me be clear I'm also a cleaning fanatic, i have some clutter holding on to some things till im done but keeping things in cleanly nature. And all along this path I've lost electric again I've been through foreclosure and fighting constant policies of business due to mortgage being in my fathers name and title of home being in mine. I do not have the income or credit to buy this house as I still have not aquired a job to afford it and not sure if I can! However I did get the program from COVID 19 called "Save the Dream" and had to get legal aide to assist and I filed a loss mitigation application to 5/3rd band and was awarded a $25,000 gift to pay off foreclosure and payment for 6 months after the foreclosure was paid, I was under the impression that I could use that amount to just get the home in my name and give that money to bring the price of the house to lower amount to potentially afford a mortgage in my name and save my home the was my parents but I was disappointed to hear the attorney tell me that's not how it works? And was told that the loss mitigation application could possibly get a modification to adjust to my income limited and if not the bank would be offering some sort of negotiated deal. So I waited for some sort of communication with two or three calls from the attorney asking if I heard from them, when I said no the attorney said he had to close the case at legal aide but as soon as I heard something to contact the office again, then payments were back in and raised and even more unaffordable and I'm contacting the bank and trying to understand what and why? So after finally getting intouch with someone at the bank was told the loss mitigation was never processed?? Now it's been over a year and wondering why not that's what I getting money from the government program for! To take that money and make the home affordable enough to me to keep it whether it in my name or my deceased father's and was to to resubmit the application but with another large amount owed and no support of money now how would I do that? Devastated I started calling the attorney from the first foreclosure with no one returning my call I was getting frantic wondering I'm about to be homeless and losing my parents home and still had my youngest daughter at home! And finally found out the attorney no longer worked at legal aide so I had to start that process all over and the bank was asking the same thing only I had to start with the home iwners insurance policy first as that was part of what I needed for the banking application. Only to have them drop my homeowners insurance ! What!!; then after finally having a conversation with a different legal aide attorney was completely devastated,shocked,overwhelmed confused and angry to here her tell me "I didn't have a leg to stand on" and she didn't know why the previous attorney told me me what he did because the bank don't have to help or process that application because the foreclosure was paid and no longer in trouble ,and they only have to support that application for help if you are behind on the mortgage, and i said then how fo i not have a case if i was guided by an attorney from your office legal aide with a bad decision and was told directly and in factual tone that he was a respected colleague and this was not going to be bash the attorney campaign and was informed she didn't think I had a case and probably wasn't going to represent me and I should probably just try to get whatever I could by selling before the bank took it from me and I filled out a form to let her check into hud for something to look for some things to help me and was later inform that she was not taking my case and I would have to represent myself in court but their was a help center in the Hamilton County Court House and they could help me with filing rhe paperwork for the answering of the foreclosure but no advise or anything just making sure the papers per filed correctly only I waz already quite a bit if time with no time to learn anything about the laws to protect myself and home from the foreclosure and i was under so much pressure i was and am still about to lose my mind! So I went to the library ask for help explaining my situation and wanted factual information with documents of proof to admit into court for evidence. And found some information in a case against another bank where the bank was taking government money from the HAMP program and The TARP program that was set up under the Obama administration to help homeowners during the 2008-2014 mortgage crisis that was very similar to the pandemic programs that were being used. And read that SunTrust Bank was fined and other punishments for millions to billions of dollars for frauding the government by taking program money used to compensate banks to allow them to lower rates or other factors to in creating a workout plan for the homeowner to stay in their home or give them a deal / contract to help them move along without being homeless example being like "Cash for Keys" . As I read this I began to realize the similarities to my situation and how the bank was doing all but helping me and in fact frauding the government by taking over 25,000 dollars and niot even processing my application which I was told was submitted before the foreclosure was paid off and the bank knew I could nit afford the house payment as it was and would need it to be adjusted to do so! If this is the case the bank could have then said no to that money and offered me a way to move in without the fear of being homeless! But instead decided I feel in greed of getting some of that money the government was offering and if this is the case and after telling the second legal aide attorney all if what I was I going through, why would she not be mire interested in looking closer into this as she is also working for under a state or federal program (unsure of this as to who provides for legal aude) but either way it's very similar to case of which I read about! So when trying to file paper work I come to find out that the previous legal aude attorney is not the help attorney in the court house that I was sent too!!!! What???? My sense are heighted and I'm wonder why I wanted informed of this when the attorney denied me and sent me there know she just kinda made me feel like the previous attorney gave me wrong advise! So I had a paper and went to file but there were two different dates on said paper work and didn't fe el real confident in his demeanor like body language and hesitation in his words! But he spoke with someone in the office and suggested I file an extension on the answer to the foreclosure document and that my actual court date wanted till November 19th 2024, which is one day before my birthday! Also now just days away. So I took the papers upstairs and thought I was ok till my court date only to have a man come to my house with another foreclose packet from the bank, there again confused so I call the help center and was informed I did not answer the foreclose I only filed an extension but I filled out a paper for the answer I thought I added the extension to my answer just to cover the mismatch in dates and so I was told by the helper he could make another appointment to see me and file the now late answer to the foreclosure which now has me very uneasy about this whole process like I'm not feeling like this is normal and what is the issue! Is it me? So that when I went to the library and I did miss two separate appointments times with the helper but wanted some sort of evidence since I felt like even the attorneys were against me! So I called on the Friday before Veterans with my papers ready and ask for a quick over like before I signed and submitted and was told he could squeeze me in but had two appointments before two and I offered to sit and wait till he had time since I missed my appointments but told hum what i found and I was excited that i had found evidence supporting what I was I was saying and complaining about but had no one listening and unable to clearly define what I meant as the attorney language is a but hard to repeat after it read but using context clues to understand the overall meaning I knew and know in my heart there is something not right about all of what's been happening but no money and no one caring about my situation I could not get and cannot get support that is so needed and ive lost so much with regrets if not fighting for it that I feel completely bullied overall in my life and I'm still keeping faith and hoping for this to turn my life back around, I sometimes think it shouldn't be this hard maybe God has a different plan for my life! Regardless of mine and God's relationship or whatever happens in this I need to know that I fought for this home my parents left for me and I've out heart and soul into it and i did it fir right reasons and fir justice of others that have found themselves in a situation like this and I hope that this falls on the ears of a just Judge that can see the unfairness in this process because if not not only do I lose again but the law and process in this will not change either and will continue to tear families apart and pad the pockets of the banks! and that is The Works of Evil! Please help me with just (numbers) in the amount of people supporting the cause of just being seen and heard in the eyes of the courts by signing and passing it along as quickly as possible for my Court date in November 19th 2024. That would be a wonderful birthday to have support in this fight for my right and yours! Just think this could change the laws to make this grieving process so much easier, straight forward and clear for the banks and institutions the attorneys the people who are losing their life and their beneficiaries who have to carryout their wishes. Thank you so much for listening and your support.!
Signed Tara L. Lane