Universe Family Healer’s Chapter 7 Bankruptcy Off of Credit Reports: 10 Year Wait is Over

This is so exciting for me. I posted on my blog a few years ago that I had gone through a Chapter 7 bankruptcy back in August 2008. It takes ten years for that to be taken off a credit report. Well that time is now. I have successfully lived through this time and now my credit reports are very clean. I just printed out my free reports on Annual Credit Report.com.  I can be so proud of that and relieved that all of the debt mess is far behind me.

There was a time when I had to use credit cards alot to survive. I was a single mom raising 3 sons. I had to do what I could to keep going. But at some point it was not working any more. I consulted with an attorney and spent the money to have it all take away from me. It worked, and it was so easy. What a relief it was to be debt free finally.

Now I keep going with a clean credit report. I am not sure how it works on Universe Time. I have no credit cards and do not want to assume any more debt ever. I do want to be a homeowner again. I want all of those things but I do not want any debt.

Debt is part of the spiritual world. It is a very huge and bad setup that has been around us for a long time. The spiritual world wants debt to be accepted as normal. But really the opposite is true. You should not be in debt to be normal. The governments of the world are highly spiritual and controlled by these debt systems and so it has become common place to be full of debt. But debt is not real. It just means there is no money available anymore.

I live in a real world where I am not involved with debt. I do not care about that way of living. It is highly negative and very destructive to the human body. It causes all kinds of problems for everybody. We must all live within our means.  Financial institutions rely on us being in debt. We can get rid of these financial places and live very well. The leaders of our world are not concerned about debt. They act like it is always here and OK. But during Universe Time, debt does not stay.  See what happened to me? I cannot remain in debt. It got purged. So a lot of things about debt systems change. The structure of the debt system is breaking apart all of the time. Soon, it will not function at all.

I survived my time in debt and the ten years of waiting. I can live now without a cloud of financial worry. I know that good times are ahead for people like me who know that debt systems are not real and cannot continue to control everything.  We will have a safer and more stable living time when the debt systems are gone. They are purging and that never stops now.

Being totally connected to the Universe is how I was able to purge my debt problem away. I purge the remnant of it around me today and feel good that I am totally in control of my financial situation.

Healer

Telling the Truth About Affordable Housing- One More Time…

I read this recent posting in our local newspaper. I had to make a comment here because the truth is still not being told by many people. These people who are getting their letters  and commentaries in the newspapers do not tell the real story, so I am telling the real story about the community where I live. I made a very important comment yesterday. It is located at this link:

http://www.marinij.com/marinnews/ci_25718526/marin-voice-call-novato-city-collaboration

My comment:

So, this is success? The 351 units’ mortgages of the affordable ownership homes in Meadow Park are so under water, there is no way out. This program is not a good program. I just want to say here that as a homeowner in Meadow Park for the last 9 years, this is not the way to do affordable housing. Let’s be real about this, OK?

The property values here in Meadow Park are dropping all the time. Pretty soon these properties will be worth practically nothing. And the HOA is very corrupt. Important CC&R rules are not followed by the HOA management and Board of Directors. Homeowners’ HOA monies are being misspent. In particular, the CC&R 4.2 requires homeowners in Meadow Park to do part of the landscape maintenance. Instead, the management company told the landscape maintenance company to “do all of it”, and still refuses to make Owners accountable that 4.2 is real and exists.They do not publish 4.2 in their Responsibility Grid document. But 4.2 is very real and a part of our governing documents and has been from the very beginning here in Meadow Park.

This practice of hiding the real landscape maintenance rules has been going on for years!! A lot of homeowners’ monies have been spent inappropriately. This is unlawful activity. It is fraud and all of these people- the landscape maintenance company, the property management company and the board of directors of the Meadow park HOA know about it too. The HOA message board has been removed by the management company and Board of Directors so there is no way to communicate with other owners. This corrupt and illegal activity is going on right now!! Unbelievable but true… The way that the city of Novato did this was so wrong. It is not a wonderful accomplishment. It is not good to have no equity in your home after all these years. That is what people here are dealing with. And then we have to pay these HOA fees to a corrupted HOA. Or the HOA can foreclose. This is the reality. Wake up people.

That is all I am posting about today on my blog. Again, I am stating the truth about the community I live in. I have been doing this for a few years now trying to change the way our Homeowner’s Association  (HOA) rules are handled. This change has yet to occur. I have an attorney who I have consulted with and may very well go forward now with a lawsuit as there has been enough time to allow these people to start following the rules. I hope if you are reading this, you understand that there is corruption everywhere today, even in my own backyard. I am the only one here in the entire Meadow Park community that really cares about my home. I am not in denial.

I am a real mother and so I make sure that my home is safe and secure. That is the only reason I am doing this.  I went through a Chapter 7 bankruptcy and later found out I did not have to pay my mortgage payments and still live  here. And that is real and all perfectly legal. I am not one of the many who are in denial and still throwing money away on worthless properties.  I am instead making this situation a cozy little home for my family.

Holidays are not important to me anymore. Holidays are very spiritual and not fun or interesting. Holidays are boring! I treat each day pretty much the same, but as today is still considered Mother’s Day, I wanted to contribute to this holiday and tell my story of motherhood. I hope others will start doing something good here in Meadow Park but if not, maybe they will move and some real and good people will move in around me. I am hoping that happens in the future..

On May 13, 2014, I commented on another article in the Marin IJ regarding property taxes. Here is the link to the article:

http://www.marinij.com/marinnews/ci_25748748/marin-frontrunner-highest-property-taxes-california

My comment:

I am waiting for my annual letter from the office of the Assessor-Recorder-County Clerk of Marin County entitled “Property Value Notice-Decline in Value”. This is a secured property valuation done yearly to inform me of the actual taxable value of my home ( per Proposition 8). This property value notice letter is mailed out around the third week of June. I have received this letter regularly for the past few years. I wonder how many other Marin homeowners receive this letter? Each year the letter states this is a “temporarily reduced” taxable value which seems to be happening every year now. There is no return to prior values here in Meadow Park. When a property continues to lose its property tax value, when does the property tax stop? When our properties in Meadow Park are worth practically nothing, how much property tax will we have to pay to still live here? Why is Meadow Park such a good deal? Meadow Park is a sham.

 

I made another comment  here today 05/14/14:

http://www.marinij.com/marinnews/ci_25718526/marin-voice-call-novato-city-collaboration

 

Another problem is the management company and Board of Directors of Meadow Park (located in Novato, CA) are not following our Fuel Modification Plan. This was specifically referenced in the Meadow Park HOA’s General Disclosure Addendum document which has now been hidden from public view. This document was REMOVED entirely from our HOA’s Website. Included in this document was a list of recommended and prohibited high fire hazard plants. And there are so many prohibited high fire hazard plants and trees planted around our community that are dry and crunchy because of the lack of rain and proper irrigation. Our HOA monies are not being spent on this fuel modification plan. This is putting the entire Meadow Park community at risk for a real fire hazard!

I have made this clear to the management, Board of Directors and landscape maintenance company that I know about these rules and I have copies of all of these rules even though they have HIDDEN THEM FROM PUBLIC VIEW! It is a criminal act occurring right before our eyes. They continue to misspend our HOA monies and put our community at risk for a fire disaster. I am hoping that by contacting my attorney, this situation will turn around and the right people will be in control to ensure that we are safe here in Meadow Park.

The bottom line is this: HOAs are a very bad set up that were spiritually created to control people’s lives. In the future HOAs will not exist anywhere.

 

On 05/15/14 there was another article about the median price of homes in Marin County. I made a comment there. This is the article:

 

http://www.marinij.com/marinnews/ci_25760417/marin-median-home-price-up-4-percent-925

 

This is my comment:

The Meadow Park community of “affordable” under market value townhomes in Novato is not seeing any rise in value. Year after year, the decline in value is all that is happening here. It is not a good thing for us. I am hoping that some good people will have time to make this situation better. It is being ignored like we are not here, but all of us are here. We are the city, county, government, and school employees that were promised a good living place and it has not really happened. So I am hoping that someone will do something good for us and talk to us about this situation in Meadow Park.

 

I see a lot of articles about property this time of year and I just want to continue to voice the truth about the community where I live. No one else is doing this but me. I continue to post the truth and then hope that change will occur.