adobe failure timeline
TRANSCRIPT
>From: Mike Roberts >To: [email protected]>Subject: MARCY!>Date: Wed, 23 Nov 2005 00:40:08 -0800 (PST)>>GYAH!>> Had to reformat and reinstall windows on my computer!>> OH GREAT DAY OF WOE AND LAMENTATIONS!>> How embarrassing for an IT...>> Anyway, just wanted to let you know that I'm sitting uncomfortably low >on cash at the moment, but should be able to give you a big chunk of change >before the end of the month, or on it. I won't leave you hanging =p
Marcela Roberts <twistedreali ty8@hotmai l.com> wrote:ack! Why the reformatting? About the money thing: it's okay. We should be fine as long as we don't do too many "fun" things. Cleaning the house is costing us a pretty penny, but so far, it looks like we can afford everything we need to move. Where are you?
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On Monday, December 5, 2005 [email protected] wrote:
It's none of my business, but I think you should not "loan" any money to your mom. If she can't get any money from you, she will just make other arrangements, and adjust her lifestyle choices around what she does have available. You should save your money to start achieving your goals. -Ron
On Monday, December 5, 2005 5:32 AM, Mike Roberts <[email protected]> wrote:
As far as the loan to my mom, I know that, but it's just hard to say no when
she words it as if her only escape from two hostile forces is my loaning her money. That, and Terry seems to be a cool guy that actually wants to help raise the kids. Meh, I'll be in Japan for at least 3 years though, so it should be easier to distance myself now.
On Tuesday, October 16, 2007 11:48 AM, Cheryl Underwood <[email protected]> wrote:
Hey Sweetie,
Thanks so much for the picture, it is just awesome. It's so good to see
you so happy! We are doing good here. We went to Colorado to get
Matthew and got to see Caden in her own environment-that was really
cool. Matthew and Terry are busy with the two houses and trying to get
over this "in-between" stage. We have the house that is going to make
us close to $80,000+ profit, its just getting the work done to get it on the
market and making ends meet in the mean time. I cant tell you how
much the $5,000 you sent helped us all and it means so much to us.
To me, it means you have a glimpse of faith in us and that is a huge
step forward-in my opinion anyway.
Gotta get Emmie to school.
Love, hugs and lots of mushy mom kisses!!!!!
Mom :)
On Wednesday, April 16, 2008 Terry Underwood <[email protected]>wrote:Hey young man, glad you made it safely back to nippon. I was wondering how you were going to do the money thing for the company so i can be looking. by mail? by wire transfer? by some other method? anyway, we
didnt really get a chance to talk about it and didnt want to bring it up as you were leaving the other morning.
Dont know much here. got another bid today on the sheetrock, have another one lookingtomorrow. nothing else i can think of, dont forget to renew your license, and if theres anything i can do for you from this end on anything , let me know. take care of yourself, terry
On Wednesday, April 16, 2008 Mike Roberts <[email protected]> wrote:The $15,000 check was left at the very back of the display Bible in the front office. Sneaky, huh?...
I was going to call and tell ya, but this is just as good.
Cool cool cool. Cheryl was just telling me about the guys you found on Craig's List and that you're waiting for the bid.
On Wednesday, April 16, 2008 6:54 PM, Terry Underwood <[email protected]> wrote:
thanks very much. i know you are on your way to ruling the known universe (including azeroth), but i will still worry about you. its just my nature. SO............. take care of yourself, terry ;)
On Monday, April 21, 2008 11:21 PM, Cheryl Underwood <[email protected]> wrote:
Hey Son, hope this note finds you doing well and recovering nicely from your visit here ;)
Things are going good here, well, actually they are going awesome with regards to the Adobe house. Terry found a crew that is starting this Thursdaythat is going to do the rest of the drywall, tape, texture AND painting! He also has a cousin that is going to get us all the counters in the house at his price, saving us over $2,000!!! Yay, finally a little break! I cant wait to fill you in on the details, just let me know which address you can be reached at these days.
Love, hugs, and kisses,Mom :)
-- On Tue, 4/29/08, Cheryl Underwood<[email protected]> wrote:From: Cheryl Underwood <[email protected]>Subject: THANK YOU, SON!To: [email protected]: Tuesday, April 29, 2008, 6:49 AM
Things are going amazingly well-its almost scary-when things are
going too good, it makes you wonder when the hammer is gonna drop,
ya know? But anyway, the house is done being sheet-rocked, the guy
we hired knocked it out in just 2 days!!!! It looks great! He is starting
the tape and bedding today, and he said he will be done and ready to
paint by this weekend, wow!!! I wish we could have found him sooner!
Then he is going to give us a bid on the landscaping, flooring, and I
think he is going to help us get the bathroom vanities, and sinks, and
tiling done. I think we can have it on the market in the next 3-4 weeks
and looking beautiful! YAY!!!!
Is there anything you need from over here? Did you hear yet if you are
going to be able to stay on land for the 4 month cruise they are going
to be going on?
Love you Son, and thank you so much for all your help!
Mom Terry and Cheryl Underwood405-261-0209/Home Office405-261-0154/[email protected]
On Tuesday, April 29, 2008 5:29 PM, Mike Roberts <[email protected]> wrote:
Yes, well, I won't be going underway for the current cruise that's going on as we
speak, and as of May 12th I'll begin a 6-week school that ends... Eh... sometime
late June. I believe the next cruise is shortly after that... Hmm... I'm slated to
have that one off as sort of a "reward" for the time I've spent at sea, but being
the cynic I am, I'm not counting on it. And it's not too earth-shattering, either. If I
go, I go. If I stay, yay for me.
Great to hear about the houses, that's a pleasant surprise.
Have you spoken with Matthew yet? Are they on the move?
On Wednesday, April 30, 2008 2:16 PM, Cheryl Underwood <[email protected]> wrote:
Hey Son,Hope you are doing well. I was wondering what kind of school are you going to next? I figured it was computer related, but I was curious what you would be doing.
The house is showing great progress, still moving along amazingly fast-I am so thankful, I just hope it stays that way ;)
Love, higs, and kisses,Mom Terry and Cheryl Underwood405-261-0209/Home Office405-261-0154/[email protected]
--- On Sat, 5/24/08, Cheryl Underwood <[email protected]> wrote:
> From: Cheryl Underwood <[email protected]>> Subject: update> To: "Michael Roberts" <[email protected]>, "Michael Roberts" <[email protected]>, "Mike Roberts" <[email protected]>> Date: Saturday, May 24, 2008, 10:39 AM> Hi Son! :)> Hope you are happy and things are going well for you. I> had some great news and I wanted to share it with you. I> GOT 3 LISTINGS TODAY!!!! I am so excited, I feel like> I'm finally back in the game since my accident stopped> everything this past year. We will have the Adobe/Edmond> house ready to go on the market in the next 2 weeks, so> that will give me a total of 4 signs in Oklahoma City with> my name and number on them! YAY!!!> Anyway, just had to tell you the good news ;)> The Adobe house is getting the flooring put in this> week. We have a Brazillian Cherrywood for the formal> dinning, family, and hallway. A Travertine look ceramic> 20X20 tile for the Kitchen, breakfast area, utility, and> bathrooms, and carpet going in the bedrooms. Matthew is> coming out after the first of the month to help put the> finishing touches on things for us-just an extra set of> hands.
> Where are you and when are you out to sea again? Do you> need me to send you anything?> I love you very very much, and look forward to hearing> from you soon.> Hugs and Kisses,> Mom :)> Terry and Cheryl Underwood> 405-261-0209/Home Office> 405-261-0154/Fax> [email protected]
On Monday, May 26, 2008 9:29 PM, Mike Roberts <[email protected]> wrote:
AWESOME!
I'm very proud that you got back on track after that accident, I have full confidence that this business will work out now ^_^.
To be honest, I have no idea what colors those are exactly, but they sound VERY tasteful. Cherrywood... MmMmMm... sounds delicious!
Good to hear Matthew's getting his hands involved too.
--- On Sat, 2/7/09, Marcela Roberts <[email protected]> wrote:
> From: Marcela Roberts <[email protected]>> Subject: the adobe house...> To: [email protected],[email protected],[email protected], [email protected], "Mattchew Roberts" <[email protected]>
> Date: Saturday, February 7, 2009, 12:22 PM> I received the attached letter today. What does this mean?> Why am I receiving this letter? Why wasn't I told that> no one was paying the house? Do we have to find another real> estate agent that maybe has more time? Is it too late to
> even do that? Have we tried lower the house's price so> that we can get more showings? How many showings have we> had? What have you done to get the house sold besides> listing it?> > I need answers because this situation bothers me (as well> as, I'm sure, it bothers you guys). I was trying to do a> favor, and I was told my name would get switched out to the> company's name a/s/a/p, yet... here I am... with a debt> collector. The LEAST someone could've done was inform me> as to what was going on so that I can have either peace of> mind, or so that we can solve this problem together.> > I work tonight until 10:30pm, so I can't call you guys> to figure this out today, but I'll try to call you guys> soon because we need to finally get the ball rolling and get> this house off of our backs. It's been long enough, and> it's simply not going to just disappear. We need to deal> with it, and promptly.> > -Marcy
From: [email protected]: [email protected]; [email protected]: Adobe Date: Mon, 2 Feb 2009 14:12:33 -0600
Marcela/Terry - We have submitted this loan to the OK attorney to start the foreclosure process. In order for us to stop the process at this point, you must pay all past payments as well as the outstanding attorney fee. Nov - $0.07Dec - $1,587.38Jan - $1,627.97Feb - $1,627.96Attorney Fee - $500 until next stage of foreclosure
Please send an update as soon as possible. Thanks,
Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----From: Marcela RobertsTo: [email protected]: Friday, February 13, 2009 5:56 PMSubject: RE: Adobe
Terry should be sending in all the money owed relatively soon. My e-mail has changed to: [email protected]. Also, is there ANY way I can sign the house over to Terry or his wife or anyone else?
Thanks,Marcela Roberts
From: [email protected]: [email protected]: Re: AdobeDate: Mon, 16 Feb 2009 09:37:18 -0600
Marcela - Unfortunately, that's not an option at this point. We'll keep an eye out for the payment. Thanks,
Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----From: Marcela RobertsTo: [email protected]: Friday, February 20, 2009 3:28 PM
Subject: RE: Adobe
Will it ever be an option in the future?
-Marcela Roberts
From: [email protected]: [email protected]: Re: AdobeDate: Sat, 21 Feb 2009 10:46:55 -0600
It's not probable. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----From: Marcela RobertsTo: [email protected]: Saturday, February 21, 2009 8:50 PMSubject: RE: Adobe
Please let me know if and when that window of opportunity ever comes up. As I've expressed several times before (to several people at Ready Mortgage), I am not in charge of paying for the house; Terry and his wife are. They lied to me when I first signed for the house, and told me that they would transfer it to their company's name. They sent me documents transferring "something" to the company's name. I thought it was the house as we originally agreed upon, but then they told me it was just for the liability. It's not until they stopped being able to make the payments that they told me the house was still in my name and I would be responsible for what happens to it.
So, again, it's vital that I know when and if that window of opportunity arises.
Thank you,
Marcela Roberts
From: [email protected]: [email protected]: Re: AdobeDate: Mon, 23 Feb 2009 09:58:18 -0600FYI - We received a $4500 payment today that covered all payments except for $343.38 of the Feb payment. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
> From: Mike Roberts <[email protected]>> To: [email protected]; Matthew Roberts> <[email protected]>; Marcela Roberts> <[email protected]>> Sent: Sunday, March 1, 2009 2:36:43 PM> Subject: Re: FW: Adobe (which will now be known as> "That which we don't speak of"> > > Glad you're keeping your sense of humor at least,> Marcy.> > Mom, why aren't you communicating with us? Just Reply
> to all and give us an update. DON'T MAKE US CONFERENCE> CALL YOU!> > Are you making that $384 payment of Feb? Are you stopping> the foreclosure process? > > What...> > Is...> > Going...> > On?...> > WIGO!?!?
--- On Sun, 3/1/09, Cheryl Underwood <[email protected]> wrote:
> From: Cheryl Underwood <[email protected]>> Subject: Re: FW: Adobe (which will now be known as "That which we don't speak of"> To: [email protected]> Date: Sunday, March 1, 2009, 2:16 PM> Michael,> I have no money at all. I started my new job this past> Monday, and I am taking my license exam on this coming> Wednesday. I dont know what else I can do. I sent in> the entire $4500 that you sent to us. I will let you know> what I get on my paycheck on Friday.> > I love you,> Mom> Cheryl Underwood> AdvantEdge Real Estate> 405-752-4700/office> 405-261-0209/home office> 405-261-0154/fax
> 405-996-0564/cell
On Sunday, March 1, 2009 4:52 PM, Mike Roberts <[email protected]> wrote:
Okay, cool, we just want to know what's going on. If you stay silent we all assume the worst, and that's not good for any of us.
If there's a problem, let's face it together. We don't want to charge forward in a battle not knowing that we're being flanked from behind.
I'll see if I can squeeze a low-interest loan out of the Navy Marine Corps Relief Society or something. I'm stretched pretty thin myself with the car/apartment.
By the way, my new address is:
13 Barrymore CtHampton, VA 23666
--- On Sun, 3/1/09, Cheryl Underwood <[email protected]> wrote:
> From: Cheryl Underwood <[email protected]>> Subject: Re: FW: Adobe (which will now be known as "That which we don't speak of"> To: [email protected]> Date: Sunday, March 1, 2009, 4:35 PM> Mikey,> Seriously, I did not intentionally try to leave anyone out> of the loop here. I have been overwhelmed with studying
> for the insurance board exam and with all I need to memorize> for my new job. I will try to keep up better with> communications as soon as I get another week or so under my> belt and pass this exam.
> > Love you,> Mom> Cheryl Underwood> AdvantEdge Real Estate> 405-752-4700/office> 405-261-0209/home office> 405-261-0154/fax> 405-996-0564/cell
On Sunday, March 1, 2009 9:06 PM, Mike Roberts <[email protected]> wrote:
I know you're stressed and everyone's tugging on you; a weekly 1-sentence email is all we'd need.
I'm glad you're focusing on your exam, and don't want to distract you further from that. I'll talk to my new command tomorrowand see if I can help some more somehow.
Keep your head up!
> From: Matt Roberts <[email protected]>> Subject: Re: FW: Adobe (which will now be known as "That which we don't speak of"> To: [email protected]> Date: Sunday, March 1, 2009, 5:10 PM> between you and me, I will talk to marcy about the remainder> of the feb payment. this is my last week of school for> this mod, then I have 2 weeks off, so it shouldn't be a
> problem for me to throw down on getting carpet and> 'livability essentials' put into adobe, to broaden> the amount of potential buyers - I'll let you know more> about how much I can spend and when I will be able to be out> there as I know more.> > Peace nigga!!!> > SRSLY, I should have the remainder payment taken care of> ASAP. Only problem is that I will not be home all this> week (in Plano :( working.)
On Sunday, March 1, 2009 10:48 PM, Mike Roberts <[email protected]> wrote:
Lemme know how that goes. I'm down to ~$1k liquid/available cash, and a few minor payments now (car/insurance/apartment). You now how paranoid I am about keeping a cushion of cash for emergencies; I want to hold onto that till next paycheck (14th). I'm going to talk to the Navy Marine Corps Relief Society about a low/no interest loan to stop this foreclosure BS. If Marcy can swing the $384+500 for legal fees to stop the foreclosure, I'll be able to swing more cash when the time comes.
Getting a car/insurance/apartment at the same time skewered my idea that I could sustain Adobe alone, but after I finish checking into my new command, I honestly believe that I'll have it under control.
Tell Caden that I'll love her more if she loses weight,
- Jew
On Saturday, March 7, 2009 5:17 PM, Mike Roberts <[email protected]> wrote:
Just between me and you, I made a move to stabilize Adobe hopefully once and for all.
I reenlisted for 2 years on top of my contract, so I'll get out may 2012 instead of 2010. This DOES set me up for shore duty (highly recommended by everyone I've talked to) after my current, shitty command, and the job security is nice. I need to get off my ass and do more to be economically viable before I get out, anyway.
They're trying to get rid of as many excess people now due to the economy, and the reenlistment bonus went from $19,000 to $6000 for my rate/specialty.
I got in before that happened by 1 day.
They're saying 10-20 days till the payment posts, and I assume I'll have to harass my personnel department more to actually get the money, but it's on its way.
I don't have the cash-in-hand, so I don't want to notify mom just yet to distract her from being self-sufficient, but know that in the next few weeks, I'll be able to back you and Terry up on repairs to help get the house sold.
After taxes, which I presume to be anywhere between 15-20%, I should have a fair chunk of change to throw at you. ~$15,000.
----- Original Message -----From: Cheryl UnderwoodTo: [email protected]: Friday, March 27, 2009 1:07 PMSubject: Current Adobe Status
Hi Shanna, Would you mind terribly sending me a current status on what we owe to date.
We sent $4500 to catch up to March, but Marcella is saying you all are telling her that we still owe those payments. You had sent me an email saying we still owed around $350 ish after we paid the $4500 plus attorney fees, so Im confused. We're trying to get caught up, but I need to know what you all are showing we still owe. Thanks for your time, Terry Cheryl UnderwoodParadigm AdvantEdge Real Estate405-261-0209/Home Office405-996-0564/Cell405-261-0154/[email protected]
--- On Mon, 3/30/09, shanna<[email protected]> wrote:
From: shanna <[email protected]>Subject: Re: Current Adobe StatusTo: "Cheryl Underwood" <[email protected]>,[email protected]: Monday, March 30, 2009, 9:10 AM
Terry - Please see below. The $4500 you sent in on 2/20 covered the following: Nov - $0.07 Dec - $1,587.38 Jan - $1,627.97 Feb - $388.58 Attorney Fee - $896.00 You still owe:
Feb - $1,239.38 Mar - $1,506.26 This will be referred to the OK attorney this week and you'll start accruing more attorney fees if not cured. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----From: Marcela RobertsTo: shannaSent: Monday, March 30, 2009 9:55 PMSubject: Re: Current Adobe Status
Ok, thanks for the clarification. So as to not incur any more fees this week, would it be best to just send the checks through the mail or drop them off Thu. morning? I unfortunately work midday tomorrow, so I won't be able to make it into the office. Let me know what would be best to avoid as many fees as possible.
Thank you,Marcela Roberts
From: shanna <[email protected]>Subject: Re: Current Adobe StatusTo: [email protected], "Cheryl Underwood" <[email protected]>Date: Wednesday, April 1, 2009, 5:00 PMMarcela/Terry - The trustees would like to know what the property still needs to be retail ready. They would consider some sort of arrangement to help you finish the property in the next few weeks so that it is ready for the selling season. Please let me know as soon as possible. Thanks,
Shanna Kolp469-223-3738 - cell866-825-0776 - fax
On Wednesday, April 1, 2009 9:55 PM, Marcela Roberts <[email protected]> wrote:
!!! I don't know! Matt/Terry: do you know?? !! I'd like to have this information
for her when I show up tomorrow morning if possible.
Thanks!
From: "Roberts, Matthew C" <[email protected]>To: <[email protected]>Cc: <[email protected]>Sent: Thursday, April 02, 2009 10:48 AMSubject: adobe retail-ready issues.
what's done - all items that have been drawn on, plus the toilets installedand the floors prepped for carpet.
What needs to be done-
-tiling the master shower and installing fixtures-fixing kitchen cabinetry or replacing (including installing countertops)***cannot do ourselves, must contract help at the very least-purchasing and installing appliances in kitchen-installing sinks and fixtures in bathrooms and kitchen-installing flooring trim, moulding and baseboards throughout ***moreefficient to contract, tedious-finish bookcase conversion, half-done at the moment but a quick
turn -around on fixing-landscaping is half done - a few more railroad ties, fill dirt, etc. areneeded ***must contract help due to how labor-intensive it is, terry's backissues- a general clean throughout, including the pool.
There may be more, but I can't recall what it may be - hopefully terry canshed more light on this if needed. The central issue is that we don't haveoperating capital to start the cycle - if we can get mortgage paymentscurrent and enough capital to draw some money to get the cabinets taken careof (~1000), we could start a chain reaction as was originally planned. Armydisability pay isn't enough to feasibly save and invest with, and my motherand terry are currently three payments behind on THEIR house; it's tough todivert funds from that issue when there are so many kids involved. If theroof hadn't been such an anomaly (4 inches of tar under the torch-down madea 3 day job a several month job) and the hired help for thedrywall/texture/paint job hadn't been so sloppy and thieving we would'vebeen fine cycling from task to draw to task; as it stands, only some miraclewindfall or a draw advance will get the ball rolling. Now that I thinkabout it, is there ANY way we could get a draw advance to use for thecabinetry? with that one issue taken care of we could immediately startputting the sinks and fixtures that are already purchased in and thetask-draw-task cycle could finally restart.
Matt Roberts
From: Craig Pettit [[email protected]]Sent: Thursday, April 02, 2009 10:00 PMTo: 'shanna'; Roberts, Matthew C;[email protected]: RE: adobe retail-ready issues.
Hello Matt,
Thank you for the payment today and for the details. It is a bit of a hassleto attack this way, but if you'll give me the vendor for your cabinetrequest, I'll have to do a few verifications, but I should be able to issue
a check directly to the vendor to get you started.
Feel free to call me if this isn't clear. 972-342-7605
Thanks....Craig
From: "Roberts, Matthew C" <[email protected]>To: "Craig Pettit" <[email protected]>; "'shanna'" <[email protected]>;<[email protected]>Sent: Friday, April 03, 2009 10:57 AMSubject: RE: adobe retail-ready issues.
Thank you for the quick response, Mr. Pettit. I've forwarded your proposalto Terry, since grad school in Plano keeps me from dealing with the adobehouse on a regular basis. Should he take too long finding a suitablecontractor I will get the logistics worked out and back to you by early nextweek myself. Again, thank you very much for the response and theopportunity to keep this enterprise viable.
Matt
--- On Thu, 4/2/09, Marcela Roberts <[email protected]> wrote:
From: Marcela Roberts <[email protected]>Subject: money...To: "Mikey Monster" <[email protected]>Date: Thursday, April 2, 2009, 3:20 PMOk,*takes a deep breath*. This adobe house stuff is reallystarting to umm... it's like this gigantic boulder on myshoulders. :) and although I realize that I'm notthe only one holding up the boulder, it's weight remainsthe same. I need to start thinking about it differently. Ineed to learn to breathe while still holdnig the boulder. Iwas never good at exercise... or breathing while exercising
(see: Marcy walking up stairs and talking at the sametime). *le sigh*
::::Ignore my mentalramblings and pay attention to only this part::::I'm sorry I cashed your check because i thought wemight need it in making the adobe payments. We can affordthe $2700-something it was to pay for Feb. and Mar., andwe'll figure out April later. As much as I'm notfond of being late or late fees, it is only $69 forthe late fee on April, so it can wait. Long story short,we should be giving your $1400 back shortly. Do you have aWellsfargo bank account? I think they allow you to transfermoney between accounts online.
Hope you're having good days. I'm off to shelvebooks.
-Marcypan
On Apr 2, 2009, at 7:31 PM, Mike Roberts <[email protected]> wrote:
Yes, Adobe has been the type of drawn out torturous death that would make an Alzheimer's-inducing brain tumor blush.
HOWEVAR!!!...
Cheryl's doing surprisingly good at her job, and making enough to provide the essentials to her family, plus some cream off the top to help with Adobe, so it seems to stabilizing. A good thing, no matter how temporary or permanent that may be. So I guess I'm feeling a bit bullish, you could say, about the CURRENT situation.
Matthew had the clever idea of using MY VA Loan to buy Adobe at the cost of the loan, which would cap my own loan at 4.5% interest vice whatever's going on with it right now, skimming a few hundred-a-month off the payments, and putting it in my name, which gets me a bit more
involved and takes some of that boulder off your shoulders. Some =p. I'll be checking with my contacts here to see what's entailed and how to set that up, and proceed immediately as if that is the plan, in case it becomes it.
About the $1400: I'd like to make all future transactions smoother, so I agree that establishing a Wells Fargo account on my part would be the wisest choice. I planned on ya'll needing it so I'm doing fine for now, as long as no -$1000-ish problems come my way.
On Friday, April 3, 2009 2:19 AM, Marcela Roberts <[email protected]> wrote:
Just, by the way, I think you're an awesome brother. Gabe doesn't really understand me and he won't stop playing the role of "older brother". Any, what is it they say? Don't dial and drink? oh and I thoroughly enjoyed your drunk call from the other night. :)
-Marcela Roberts (mobile)
> --- On Fri, 4/3/09, Roberts, Matthew C <[email protected]> wrote:> > > From: Roberts, Matthew C <[email protected]>> > Subject: FW: adobe retail-ready issues.> > To: "[email protected]" <[email protected]>> > Cc: "[email protected]" <[email protected]>> > Date: Friday, April 3, 2009, 1:18 AM> >
let's get this going ASAP!!!! > > if we show some progress doing it> this way I would imagine he may wish to keep doing it this way, and all of a sudden we've got everything under control!!!
> > > > Adobe is current up til the april payment - we have> until the 10th for that one, the late fee is $68. All other> > everything on the house was made current today.
> --- On Sat, 4/4/09, Mike Roberts> <[email protected]> wrote:> > From: Mike Roberts <[email protected]>> Subject: Re: FW: adobe retail-ready issues.> To: "[email protected]"> <[email protected]>, "Matthew> CRoberts" <[email protected]>> Cc: "[email protected]"> <[email protected]>> Date: Saturday, April 4, 2009, 10:23 PM> > > What's Adobe's exact Address, btw? I imagine> I'll need that to present.> > In fact... MOMMA! Email me the scanned offer on the house> and I'll just take that in.
> From: Marcela Roberts <[email protected]>> Subject: Re: FW: adobe retail-ready issues.> To: "Mike Roberts" <[email protected]>> Date: Sunday, April 5, 2009, 10:14 PM> Not sure if you got the address, but it's 3205 s. adobe> drive, edmond, ok 73013
--- On Mon, 4/6/09, Mike Roberts<[email protected]> wrote:
From: Mike Roberts <[email protected]>Subject: Re: FW: adobe retail-ready issues.To: [email protected]: Monday, April 6, 2009, 7:39 PM
Cheryl called and apologized to me for not having an Adobe contract written up for me to take to my bank for the VA Loan, and said it was because she was making $2,300 in commission at the time. For ONE day. Three sisters came by to buy their parents' funerals, and ended up buying for themselves, too!
$2300. Craziness!
That was my net pay for last month =p
--- On Tue, 4/7/09, Marcela Roberts<[email protected]> wrote:
From: Marcela Roberts <[email protected]>Subject: Re: FW: adobe retail-ready issues.To: "Mike Roberts" <[email protected]>Date: Tuesday, April 7, 2009, 2:46 AM
It is a lot of money... but forgive me for my lack of enthusiasm. Do you
know how often she gets paid (i.e. actually receives the commission)?
Also, if I ever, EVER speak badly about your mom, please PLEASE
don't take offense. I know (hope) you'll never be influenced by the
things I may say about her, but sometimes (most times) I feel before I
think.
Your mom and I have very conflicting personalities, and in all honesty,
for being family, I get so upset at her mainly because of the way she
treats me. She will write lovey-dovey e-mails to you guys and one
second later, write me a not-so-nice e-mail. I've done nothing bad to
her, but as Matt tries to describe it, I've done nothing bad in "my
terms". He says that in her head, it may be as simple as I took him
away from her. I have no idea, but I dunno... I guess I just wanted you
to know where I stand. You're old enough and mature enough to
understand the difference between words that come from hurt feelings
versus words that come out of reason.
So, long story short, if I ever seem none-to-excited about you mom,
that's why. I don't know if it'll ever change, and I'm not dumb enough to
say it never will, but lets just say I'm not holding my breath right now. :)
I hope everything she says is true, and thank you for the update; love
you, Mikey-monster.
-Marcy
p.s. This is just between the three of us (you, Matt, and myself); there's
no need for peace-making or what not. Just wanting to be honest with
you.
On Tuesday, April 7, 2009 4:13 PM, Mike Roberts <[email protected]> wrote:
Of course I know how she gets paid!
You see, on each sale she get's "Cash Points", and out of these Cash Points,
she gives a percentage to the person who hired her as sort of a finder's fee, and
then she keeps the rest and can convert them to money in an easy 6-8 weeks,
barring any financial hiccups of course. BUT HERE'S THE CATCH!!! Whenever
she signs anyone ELSE up for Cash Points program, she ALSO gets a
percentage of THEIR Cash Points too! So she just needs to sign up other
gullible, industrious mothers in the Cash Point program and she'll be making
money in her sleep, not even having to leave the HOME! The founders of this
sort of 3D-triangle flow-chart program, out of their own generosity, also have a
monthly raffle based on Cash Point intake for a new car! The founder's son won
a new Ferrari last week, and YOU could be next! Sign up now for 5 EASY
installments of $199.95 for the first month's training...
Okay, that joke ran a bit long. I see what you mean, but from what she's told me
it's a bi-weekly paycheck, and commission goes towards the check AFTER the
current pay period, so her sales before the 15th will earn 7-10% of those figures
at the end of the month. She recited the formula matter-of-factly using recent
sales as examples: "This couple bought a $16,000 plan, therefore ~$115-160
commission." etc.
You know I've NOT been a cheerleader for Cheryl in the past, and this is based
on her continual poor financial choices and biting off more than she could expect
herself or family combined to chew. However, in recent conversation she's
spoken with a tone of unfamiliar confidence and joy, with an undercurrent of
yearning independence, so I believe she may have something legit here.
BUT YER RIGHT IN THAT SHE NEEDS TO FLEX THAT NEW MUSCLE before
we can truly believe or count on it.
One thing I picked up, as well, is that she specifically cited that she desperately
wants to make amends with me and Matthew and show she can NOW stand on
her own two feet "with or without a spouse". DUN DUN DUN! Marital issues,
mayhaps?!?! Maybe she's positioning; maybe it's preemptive measure, who
knows. But I'm thinking that she thinks she can and NEEDS to pull this job off.
It's not just about her helping US, but self-preservation too.
AND HEY, it's better than her throwing up her hands and saying, "Oh well, I
have no choice, there's nothing I can do..." like we're used to, amirite??? Oh,
and I completely believe that she's gone into Jealous Mom mode with you, but
she's kinda been there for quite some time, hasn't she? It's not fair. Seemingly
typical and childish, but almost expected. She's not mature. She's not logical.
This leaves you in a position of either lying about your feelings or simply holding
your tongue to keep the status quo and not upset the skewed order of things.
OH, and now I'm getting flashbacks of me telling her I loved her as a child (I
didn't), lest she smack me until I did! =p... As much as my cold, logical side tells
me to advise you to take it in stride and ignore the trolling, my rotting, shriveled
heart tells me that I can't do that without sounding like an insensitive asshole.
SO! I guess just try to laugh it off knowing that reason is on your side, or "Reply
to All" to her nasti-grams, so EVERYONE can see what she snidely quips to you
in private?... Might be fun or funny =p... You know the situation better than I,
and you've got a good head on your shoulders, so do what works! It's an insult
for me to suggest otherwise.
Side note: I can't believe we're all handling this crap before we're past our mid-
twenties. What happened to the cultural promise of carefree, invulnerable
hedonism I'd been holding out for!?!?
Anywho, I'll end this by citing my mantra of "I can't wait for this Adobe bullshit to
be over..."
((( Bro-hugs )))
Tell Caden I hate her very much. <3
- Jew
From: ED <[email protected]>
Sent: Monday, Apri l 20, 2009 11:49:04 PM
Subject: Estimate for kitchen remodel
Hello,
Here are the two different estimates for the kitchen remodel. Please call me with any questions you may have. Thank you for your consideration.
Ed
----- Original Message -----From: Cheryl UnderwoodTo: Matthew RobertsCc: [email protected]: Wednesday, April 22, 2009 11:44 AMSubject: Fw: Estimate for kitchen remodel
These are the estimates from the guy we want to use to do the cabinets and counters. The cabinet work does not include materials, the counters one does.
I would estimate the materials at around $500-750. I think closer to the $500, but not sure. Thanks, Terry Cheryl UnderwoodCommunity Service CounselorSCI Dignity Memorial andParadigm AdvantEdge Real Estate405-261-0209/Home Office405-996-0564/Cell405-261-0154/[email protected]
On Thursday, April 23, 2009 1:22 PM, Marcela Roberts <[email protected]> wrote:
I just wanted to remind everyone about a few things:
1. As far as I know, the April payment hasn't been paid yet, but the May
payment is slowly approaching (and by slowly I mean, ridiculously fast). Late
fees and interest collected on them is money we're just throwing in the wind.
2. Matt said a draw could be made (the toilets he setup when he was there) to
pay for the April payment, but as far as I know, Terry has not yet submitted the
draw. This is money that's just sitting there, wanting to be used, but hasn't been
yet?
3. We need to take advantage of Craig and Shanna's willingness to help. Matt
said we're waiting on an estimate, but waiting only gets us so far. Does anyone
have the number of the company doing the estimate for us, so that someone
can call them and ask what might be taking so long? That way, we can send
Craig the estimate and get the ball rolling on the kitchen fixes.
4. Just an overall reminder: the quicker we fix the house and give the fixes some
priority, the less monthly payments we'll have to make (more $$$ in our
pockets!!).
Ok, peace out.
-Marcy
> --- On Mon, 5/4/09, Marcela Roberts <[email protected]> wrote:> > > From: Marcela Roberts <[email protected]>> > Subject: Notice from lawyers> > To: "Mattchew Coy Roberts" <[email protected]>,> "Mikey-monster Roberts" <[email protected]>, "Cheryl Dee> Underwood" <[email protected]>> > Date: Monday, May 4, 2009, 7:55 PM> > > > I just got a notice from the lawyers about the adobe house. Does anyone know how or when the april/May payments might be made? > > > > Our savings is unfortunately depleted from the last two house payments, and we don't make enough money to cover the rest of the house payments. I was told that the payment was going to be made by making a draw, but unfortunately the only people updating me are the bill collectors. We can't help with what we don't know about.> >
> > -Marcela Roberts (mobile)
> --- On Mon, 5/4/09, Mike Roberts> <[email protected]> wrote:> > From: Mike Roberts <[email protected]>> Subject: Re: Notice from lawyers> To: "Marcela Roberts"> <[email protected]>> Date: Monday, May 4, 2009, 6:33 PM> > > Okay, long story short, my web of online bank accounts are> not yet linked appropriately, so a check's IN THE MAIL for> $2000, and I have some left-overs in my Wells Fargo account> that I can wire back to you, ~$400. Still sending it to your> parents' house, aye?> > Toss me your account number again for the Wells Fargo again> and I'll wire that little bit in the mean time.
--- On Tue, 5/5/09, Marcela Roberts <[email protected]> wrote:
> From: Marcela Roberts <[email protected]>> Subject: Re: Notice from lawyers> To: "Mike Roberts" <[email protected]>> Date: Tuesday, May 5, 2009, 12:21 AM
> ... do you know what your mom & Terry are able to contribute?> I'd hate to use any of your money. I was hoping the> e-mail might pressure them to either a) start talking to me> about what's going on with the house or b)pay for> something so they know that the work on the house needs to> be done pronto. I really don't want to use your money... :(
On Tuesday, May 5, 2009 3:55 AM, Mike Roberts <[email protected]> wrote:
Well, due to the nature of the game right now, she's still in that cycle of
getting paid 2-3 weeks after landing sales. I have faith that she'll come through within the next 30 days. I spoke with her on the phone and she found out that she ranked 3rd highest for sales with $72,000. Some of those were partnered (50/50), but that should be at least 3.5k in commission.
I understand that it seems unfair to me, and I agree =p. However, I have the ability to pay, and I know that the paperwork's in for the draw and contract work. Cheryl knows I'm living on $1,800 a month, and that I want her to step up for this next payment.
If all else fails, you'll have my money as a backup.
----- Original Message -----From: shannaTo: Cheryl Underwood ; Matthew RobertsSent: Friday, May 08, 2009 8:56 AMSubject: Re: Estimate for kitchen remodel
Terry - I spoke to the contractor... he has agreed to take $600 for materials to complete the cabinets, then when he's finished that, we'll give him another $1000 for materials to complete the countertops. When he's finished that, we'll pay the balance. Obviously, we'll have the work inspected as we go along. I'm going to create an agreement for him to sign.. if you all could coordinate getting it signed, that would be great. Also, I know you have a draw request in for toilets... do you want me to order a separate inspection to verify the completion so we can release those funds, or do you want to wait and let me inspect when the contractor has finished the cabinets? There's a $100 draw fee for every draw. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----From: shannaTo: Cheryl Underwood ; Matthew RobertsSent: Friday, May 08, 2009 11:31 AMSubject: Re: Estimate for kitchen remodel
Here's the agreement for you and the contractor to sign... does he have an email address? Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
--- On Fri, 5/15/09, shanna <[email protected]>wrote:
From: shanna <[email protected]>Subject: AdobeTo: [email protected], "Cheryl Underwood" <[email protected]>, "Matthew Roberts" <[email protected]>Date: Friday, May 15, 2009, 9:53 AM
All - I haven't heard back from anyone regarding the emails I sent about the draw submitted for the toilets or the contractor agreement for the contractor who will complete the work for the cabinets and countertops. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
On Saturday, May 16, 2009 3:19 PM, "[email protected]" <[email protected]> wrote:
The adobe house NEEDS to be a priority in people's lives otherwise it's just
money we're throwing in the wind. We are ALL sacrificing here in order to fix this
problem, so Cheryl/Terry: if there's anyone I need to call to get this thing going or
anything I can do from here, PLEASE let me know. There's no point in trying to
do it all yourselves if you're too busy to do it because then nothing gets done.
From: Marcela Roberts <[email protected]>
To: Mattchew Roberts <[email protected]>; Mikey Monster
<[email protected]>; Cheryl Underwood
<[email protected]>; Underwood Team
<[email protected]>; [email protected]
Sent: Tuesday, July 7, 2009 12:11:01 AM
Subject: Adobe FUN! #3
Ok, this is my 3rd attempt in sending this e-mail. Hopefully, it'll go through, but
I'm sorry if you end up getting three versions of the same information. I paid the
adobe house today (June 09 payment-- THANK YOU, MICHAEL!!). It was
$1765.84, which included a $62.88 late fee (accrued after the 10th) and a
$75.00 attorney fee (accrued after the 30th). Right now, what is needed to make
the house current is $1587.30 bythis Thu. (the 10th) in order to avoid more
pointless fees. We also need a good amount for hiring contractor(s). Michael
will be able to help out for large chunks of this, but I need to know what
everyone else can contribute to the cause.
Also, Cheryl/Terry: Any new headway with the adobe house, financially or
repair-wise? Have you found any dependable contractors? That way we can
figure out how much money we need to get the ball rolling again. Shanna and
the lender have already agreed to help, so I want to make sure we don't keep
them hanging.
Cheryl: I've tried writing to your new e-mail address:[email protected], but
it said there was an error in sending things to that account. Do I have the
address wrong? I'm going to try again now. Let me know if you get it or else you
might want to talk to your provider concerning issues on recieving important e-
mails.
-Marcela
--- On Thu, 7/9/09, Cheryl Underwood<[email protected]> wrote:
From: Cheryl Underwood <[email protected]>Subject: Re: Adobe FUN! #3To: [email protected]: Thursday, July 9, 2009, 6:04 PM
Hey,I will get your emails now [email protected], I was locked out of my account for some reason.
I will try to look up some folks on craigs list, so we can get some new bids going. I will let everyone know when and what time we can meet with them.
We are hoping to have the money to make the payments by August 14th, and also to help with the final costs of finishing the property.
I will let all y'all know as I find out more.
Thanks again for watching the girls, they had a wonderful time with you!
Cheryl UnderwoodCommunity Service Counselor
405-261-0209/Home Office405-996-0564/Cell405-261-0154/[email protected]
On Thursday, July 9, 2009 11:09 PM, Marcela Roberts <[email protected]> wrote:
It was a pleasure watching them! Caden was sad when she went to bed all by
herself. :) I can tell she misses them.
As far as adobe goes, it's current right now with no payments currently due.
--- On Wed, 8/5/09, Roberts, Michael C. IT2 (CVN70)<[email protected]> wrote:
> From: Roberts, Michael C. IT2 (CVN70) <[email protected]>> Subject: No leave for me.
> To: "Mattchew Roberts" <[email protected]>,[email protected]> Date: Wednesday, August 5, 2009, 4:57 AM> YO!> > My leave chit got shot down due to everyone already having> their leave chits > in for August since early July. > > Any time in September/October work for y'all?> > Hopefully our presence isn't even required anymore if Gene> works out as a contractor. ~$2,500 for all work is better than the> previous ~$4,000, eh?
From: Marcela Roberts [mailto:[email protected]] Sent: Wednesday, August 05, 2009 7:39 PMTo: Roberts, Michael C. IT2 (CVN70)Subject: Re: No leave for me.
Oh, don't worry about it. I was actually wanting you to come out more forthe hanging out, less for the adobe house. I don't know why it slipped mymind that flying is not free. :) Hopefully, next time you have leave, we canhelp you out with the plane ticket!
Also, if you ever need any part of your money back, let me know! Some of itsits there because it hasn't been put into use yet (tomorrow I make the Aug.adobe payment, and there's still a pending $180.00 deposit to turn theelectricity on). As of right now, you have: $3822.08 in our account (notincluding the payments I mentioned). Feel free to ask for any of it back atany time. Of course, when adobe is done with, I'll send you whatever'sresidual, and figure out a way to repay you the rest. :$ :D
--- On Thu, 8/6/09, Roberts, Michael C. IT2 (CVN70)<[email protected]> wrote:
From: Roberts, Michael C. IT2 (CVN70) <[email protected]>Subject: RE: No leave for me.To: [email protected]: "Mattchew Roberts" < [email protected] >Date: Thursday, August 6, 2009, 5:49 AMHAH! Thank you for reminding me what I need to bitch and moan to mom and
terry about... I've been on them for the electricity since it came up and"oh, it'll be taken care of tomorrow at the latest". We can't fuckin' getwork done without it. I know they're busy, but unfortunately with the lastfew weeks as proof, I just need to bug them constantly to get them tocomplete tasks. We're leaps and bounds ahead of where we've been stagnatingfor the last few months.
HARASSMENT POWERS, GO!
Let's see what Ready Mortgage will pay for real quick, since they will bepaying Gene directly, and then if it falls short of the $2500, instead ofarguing we'll just pay the difference to get it done with. Although, at thispoint, I'd be willing to pay for it all if Ready Mort won't =p. Why not getsome free money for a days worth of faxing/scanning/sending, though? >XD
My counter for Adobe contributions is currently at $41,600, but that'sincluding everything I gave to Cheryl and Terry specifically since this wasa communal effort. I'll wait till Adobe's sold to shriek and claw for mymoney back. I'm just hoping to have a good chunk of that by next April tosecure my separation from the Navy.
From: Matt Roberts [mailto: [email protected] ]
Sent: Thursday, August 06, 2009 3:01 PM
To: Roberts, Michael C. IT2 (CVN70)
Subject: RE: No leave for me. You'll get your money back, one way or the other. For sure.
Anywhoo, I'll talk to you soon. Keep me abreast of any changes you want me to make with Adobe, sending your money in particular. Peace!
> --- On Fri, 8/7/09, Marcela Roberts> <[email protected]> wrote:> > > From: Marcela Roberts <[email protected]>> Subject: about your estimate & the Adobe house...
> To: [email protected]> Date: Friday, August 7, 2009, 11:45 PM> > > > Hello, Eugene:> > My name's Marcela Roberts. I'm the co-owner of the> Adobe house (3205 S. Adobe Dr., Edmond, OK 73013). Thus far,> I believe you've been speaking with either Cheryl or> Terry Underwood. Sometimes they become busy, so I just> wanted to let you know that I will be working with you as> well.> > I'm not sure if Shanna got back to you o-n how Ready> Mortgage has decided to pay for things, but basically this> is what they wrote us:> > 1) Ready Mortgage will pay 1/2 of the materials to start> the construction process for each stage. The funds we> send will need to be paid directly to the supplier, not the> contractor.> 2) You will need to pay the other 1/2 to get work started,> or work something out with the contractor.> 3) We'll pay the labor portion after the work has been> completed for each stage. You'll need to work through> these details with your contractor so we can get this job> going. This needs> to be handled ASAP, because as of now you are in default> for non-completion of repairs.> > So, that is where we stand with our lender. I suppose first> thing's first, let Shanna know who the supplier is so> they can cut a check for 1/2 of the materials (please send> me a copy of that email as well). Secondly, Let me know what> the best way to pay you is (online? check through mail?> etc.), and I will send you the other half of the material> costs for the cabinets ($348.25) so we can get started> immediately. Lastly, when can you get started and do you> have an estimate on how long the cabinets might take before
> you move on to the counters?> > Thank you very much. I realize the payment process is a> little more complex than usual, so I appreciate your> patience and look forward to working with you!> > Thanks again,> Marcela Roberts
--- On Sat, 8/8/09, Eugene Brown <[email protected]> wrote:
> From: Eugene Brown <[email protected]>> Subject: Re: about your estimate & the Adobe house...> To: [email protected]> Date: Saturday, August 8, 2009, 5:13 PM> Dear Marcela,> > Unfortunately, this is starting to get WAY too> complicated and way too many people are now dealing with> this project. If you are unable to provide the> materials or pay for the materials up front, then I am not> the person for this job. I am more than happy to have> my work inspected before I get paid the labor for it. > I have been doing carpentry and home building for several> years. But I am not in the position nor would I care> to be in the imposition to cover material cost for any> project. Please feel free to call me and we can> discuss it. > > Thank You,> > Eugene Brown> (405) 313-1533
On Monday, August 10, 2009 1:05 PM, Marcela Roberts <[email protected]> wrote:
This is what I need to call Eugene about today. I sent you an e-mail from my iPhone, but lately, there seems to be an email troll eating them all up. I figure, we'll pay him full for the materials, get the inspection, and then have Ready Mortgage pay for the labor once approved. I wrote Shanna an email to see if this amendment was okay.
On Tuesday, August 18, 2009 9:28 AM, "Roberts, Michael C. IT2 (CVN70)" <[email protected]> wrote:
So let's talk contracts.
We have a bid. We have up-front material cost money. We have an agreementwith Ready Mortgage to pay for the labor costs post-inspection. Let's knockthis simple task out, eh?
Example:
Dear Gene, We has money 4 u to make good our cabnets+counters plz do a good jobwill pay materials on ur bid frist tehn we make Rdy Mrt pay for labor costsafter inspection. Work beginning after initial material cost payment not toexceed [reasonable-amount-of-time]. Punch n' pie will be served @ discretionof Adobe house owners.
X________________________Cheryl/Terry Underwood + Date
X_________________________Eugene the fix'it guy + Date
------------
Then we show it to Gene, agree on any +/- shenanigans on what he wants inthe contract and we sign it. Marcy then pays Gene, Gene starts work, RdyMort inspects work, and Gene gets paid labor costs. Everyone's happy.
SoOoOo... I'm guessing the contractual timeline is best suited to work withour Oklahomans, and issues of payment and Ready Mort are best suited tocollaborate with Marcy or Ready mort directly. So mix-n-mingle on the phoneand let's get a contract drafted, eh?
Is there anything else stopping us from getting Gene working, or is this thelast bit?
-Testing for E6 in 13 days,Mike
From: "Marcela Roberts" <[email protected]>To: "shanna kolp" <[email protected]>Sent: Friday, August 28, 2009 4:35 PMSubject: Another roadbock with the Adobe house...
> So, as Eugene (the contractor for the cabinets/countertops) was working onthe house yesterday, he noticed that the roof has some sort of leak. I put him on hold for his work, and we're currently trying to research the costs of a roof repair.>> Plainly though, I don't have money for another contractor. Terry has not helped with the house for
over 6 months. I'm running out of resources and ideas. My brother-in-law is currently trying to get some roofing estimates so we can see what exactly we're dealing with. That's pretty much the update on the house.>> Now, foreclosure is almost looking inevitable. In case I have to go that route, can you give me a heads up on what the process is like, timeline, costs, etc. Are there any less devastating options? How will it affect me and my credit?>> Thank you for all your help,> Marcela Roberts
Ok, my brother-in-law was able to get Terry to look at the roof. He said he's going to be able to fix the leak tomorrow, and that it's not very big. Hopefully everything moves along as planned. I'll let you know if we run into any more hang ups, but it looks like this one was a false alarm.
As another exploratory question, what is the process of a "short sale" and is it available to us?
Thank you again for your help,Marcela
--- On Mon, 8/31/09, shanna<[email protected]> wrote:
From: shanna <[email protected]>Subject: Re: Another roadbock with the Adobe house...To: [email protected]: Monday, August 31, 2009, 1:35 PMMarcela -
Per my conversation with Craig... please send us
the following:
1) Roofing estimate 2) Copy of any documented agreement you have with Terry regarding the payments. If you have something, we may be able to get our attorney to force him to cover payments for a few months.
This foreclosure will show up on your record, but if we get all of our money we don't really pursue anyone.
Thanks,
Shanna Kolp469-223-3738 - cell866-825-0776 - fax
----- Original Message -----
From: Marcela RobertsTo: shannaSent: Tuesday, September 01, 2009 6:13 PMSubject: Re: Another roadbock with the Adobe house...
Ok, my brother-in-law was able to get Terry to look at the roof. He said he's going to be able to fix the leak tomorrow, and that it's not very big. Hopefully everything moves along as planned. I'll let you know if we run into any more hang ups, but it looks like this one was a false alarm.
As another exploratory question, what is the process of a "short sale" and is it available to us?
Thank you again for your help,Marcela
From: "shanna" <[email protected]>Date: September 2, 2009 10:10:38 AM CDTTo: <[email protected]>Subject: Re: Another roadbock with the Adobe house...Marcela -
It's not likely that we would accept a short sale. We only do that if we really think the property will sell for less than what's owed on it. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
--- On Thu, 9/10/09, Marcela Roberts<[email protected]> wrote:
From: Marcela Roberts <[email protected]>Subject: adobe payments...To: "Mikey Monster" <[email protected]>Date: Thursday, September 10, 2009, 3:06 AM
Ok, I jsut made this month's mortgage payment ($2068.11). I asked for
a breakdown, and apparently the normal mortgage is around $1600-
something. They recently (since Aug.) decided to add escrow to our
payments (almost $400) because we are "delinquent in our repairs".
Additionally, Craig decided to raise our interest rate from 10% to 13%.
I'm in the process of trying to figure out why he did that other than just
being a douche-bag.
Have a good night. :)
Marcy
--- On Thu, 9/10/09, Mike Roberts<[email protected]> wrote:
From: Mike Roberts <[email protected]>Subject: Re: adobe payments...To: [email protected]: Thursday, September 10, 2009, 4:03 PM
FUUUUUUUUUUUUUUUUUUUUUUUUUUCK! =p
See if the payments will go down as repairs are made. That makes
sense at least, right? What part of Escrow are we paying? What's that
contributing for in layman's terms?
If we've been making payments on time (relatively well compared to
sweeping foreclosures across America) why are we being punished?
>.<... Bleh, that's just how the business goes.
Enjoy y'self =p.
----- Original Message -----From: Marcela RobertsTo: shanna kolpSent: Thursday, September 10, 2009 2:02 AMSubject: question about payments...
I was recently informed that on top of having to pay escrow up front, there was a 3% hike on our interest (from 10% to now 13%). Do you know why this is? We're
already struggling with payment, so I'm wondering why the interest is now being raised causing us to struggle even more. Thank you for any information you can provide.
Thanks,Marcela Roberts(adobe house)
From: shanna <[email protected]>Subject: Re: question about payments...To: [email protected]: Thursday, September 10, 2009, 6:19 AMMarcela - The original interest rate for this loan was 13.88%. After the 1st 6 months, the interest rate was scheduled to be increased to 18% until payoff. Instead, we lowered your rate to 10% after the 1st 5 months to give you guys some releif. We've kept it at this rate for the past 19 months. Our trustees will not allow us to keep it at that rate any longer. For now, we've increased it to 13.5%. Hopefully, we can keep it there for a while without increasing it to 18%. Thanks, Shanna Kolp469-223-3738 - cell866-825-0776 - fax
On Thursday, September 10, 2009 10:58 PM, Marcela Roberts <[email protected]> wrote:
yea... so umm... they're actually doing us a favor...
*le sigh*
--- On Mon, 9/14/09, Marcela
Roberts <[email protected]> wrote:
From: Marcela Roberts <[email protected]>
Subject: update on Adobe...
To: "Mikey Monster" <[email protected]>
Date: Monday, September 14, 2009, 3:50 PM
Eugene is doing a better job of keeping me in the loop than your mom
or Terry... Why do they hate me so much!?! ;)
Anyway, Eugene called today to let me know that the roof is leaking
again. He said he woke Terry up this morning and supposedly Terry's
there right now fixing it. (Lets hope!) Eugene's pretty much done. He
has a couple of final touches to do (including fixing the damage
caused by the leaks), but other than that, he's done. I've contact
Shanna to release the labor funds to him when they can. I also gave
the go-ahead for Eugene to draft another bid for the vanity and bath in
the master bathroom.
Anything I'm missing? How are you doing? Haven't heard from you in
a while... where you at??
-Marcy
On Tuesday, September 15, 2009 5:54 PM, Mike Roberts <[email protected]> wrote:
And as far as my location, I'm still in Virginia, working on my ship docked in the
shipyards, and making sure I don't go on the January deployment and home-
porting of the ship to San Diego.
Seriously, My options are:
1.) Spend thousands of dollars so I can go to what feels like prison working 80-
hour work weeks for 3 months confined on a ship, or...
2.) Spend no money, and remain in Virginia, working with an alternate command
that doesn't need me, and therefore won't have me working past 4-6 hours a
day. Paradise.
I'm gunning for #2...
--- On Fri, 10/2/09, Marcela Roberts <[email protected]> wrote:
From: Marcela Roberts <[email protected]>Subject: adobe....To: "Mikey Monster" <[email protected]>Date: Friday, October 2, 2009, 4:39 PM
Ok, so here's the update:
So, I got an email from Shanna yesterday with the draw requested
being rejected (will forward that to you). Apparently, toilets,
countertops, and cabinets are not done. I didn't know the cabinets had
to be painted/stained prior to inspection, which is my bad. Terry said
what Eugene has failed to do is pretty simple to finish and that he'll do
it, but we're both confused as to why Eugene didn't complete his part.
A few hours later, I got an email from Eugene where he gave me an
ultimatum to either give him the money today, or he's going to put a
lein on the house and going to the lawyers. I told him that I wasn't the
one rejecting the draw, that it was his failure to complete the work that
caused him to not get paid. He said that he's done his part, and needs
to get paid because he's now a month behind his rent. He also
suggested that he was getting the "run-around" because there was no
such thing as Ready Mortgage. I told him to take it up with Ready
Mortgage because I did my part with no delays.
Rent is due; should be about $2,068. We have until the 10th to pay it,
so I'm in no hurry right now. :)
Terry mentioned installing pre-made vanities and going out today to
price everything out for the bathrooms.
And.. that's that. Whatcha think?
-Marcy
On Saturday, October 3, 2009 10:38 PM, Mike Roberts <[email protected]> wrote:
As always, things are looking complicated =p...
So... Eugene is souring. My first instinct is that if the task is simple, and he
failed, he'll be waiting MUCH longer if he places a lien on the house rather than
just completing the task. He simply won't take any answer other than "gimme my
money right now", then?
What documentation do you have of what Eugene committed himself to? The
worst thing for us is if we only specified our needs verbally instead of
documenting and signing to them.
Thanks for the update. I'm going to digest this in my sleep and get with
you tomorrow. I know I can float $1000 till the 15th, so maybe we'll just have
Cheryl/Terry not use that check for the carpeting until we get this draw under
control and those funds to pay the mortgage.
From: Marcela Roberts <[email protected]>Subject: adobe draw...To: "Mikey Monster" <[email protected]>Date: Tuesday, December 8, 2009, 2:27 AM
Ok, so apparently, the draw was approved 11-25-09, but Tu (the lady that
handles the cash at Ready Mortgage) called the phone number they had on file
(Terry's) to figure out where to send the check and could never get a hold of
anyone, so she just kept it in the office. It wasn't until this Sunday that I thought
"Ok, that's been long enough..." so I emailed Shanna for an update. Long story
short: I updated the contact info, picked up the check, deposited it, and paid for
this month's mortgage.
The draw check is for $3,683.50. The month's mortgage was $2,014.48. So, you
currently have $3,837.04 in our account for whatever your heart desires (adobe,
carpet, any self-pleasing wants, etc.). Let me know if you want me to transfer
some to your account, write a check out the the Underwoods, or how you would
like me to proceed from here.
Yay progress!
-Marcy
On Thursday, December 17, 2009 3:27 AM, Mike Roberts <[email protected]> wrote:
You're awesome!
I'll be there January 4th and on leave for at least 20+ days. I plan to practically
live in Adobe until it's fixed-up enough to sell. I'm guessing jack-all can or will be
done until I get there (holidays), so please use the cash for January's mortgage
payment for now.
<3
How've you been? How's Matt's job hunt? How's Georgia lookin'!?! Or was that
Alabama?... I always get those mixed up...
--- On Sun, 1/17/10, Mike Roberts <[email protected]> wrote:
From: Mike Roberts <[email protected]>Subject: Adobe pics!To: "Marcy Roberts" <[email protected]>, "Matt Roberts" <[email protected]>, "Momma Taylor" <[email protected]>, "Cheryl Underwood" <[email protected]>, "Underwood team" <[email protected]>Date: Sunday, January 17, 2010, 7:21 PM
Here's the latest and greatest of 2010, a complete photographic
inventory of the Adobe house, including the very recent collapsing of
some more ceiling drywall (now very "wetwall") that we discovered and
partially cleaned up so far. It was found on accident and on a schedule,
but it's about to get mad-real, ya'll. By that I mean I will be making
dedicated field day trips like I should've been since I've been in
Oklahoma!
I think sealing the roof once more, and then saving the drywall for last
after the seals been tested, will be the best course of action. Installing
the sinks, oven, washer/dryer(?), and bathtubs and showers are
independent of other factors, so we can work on that in the mean time.
I have "hi-def" versions of all these pictures (2MB each) upon request.
-Jew
--- On Sun, 1/17/10, Marcela Roberts <[email protected]> wrote:
From: Marcela Roberts <[email protected]>Subject: Re: Adobe pics!To: "Mike Roberts" <[email protected]>Date: Sunday, January 17, 2010, 11:49 PM
Yikes, that place looks scary. And I don't know what kind of retards
Terry/Cheryl hired to paint stuff, but I mean, really?? Caden has more
common sense than that!
Ok, let me know what kind of help you need. You have $1,715.26 in
our account ready for you to use. Monthly payments were bumped up
$100 because draws get added to the principle and since interest (the
only thing we pay) is based on the principle, apparently that means +
$100/mo.
Let me know what you need us to do; I'll have Matt look at the photos
and see if he has any comments on them.
-Marcela
--- On Sun, 1/17/10, Mike Roberts <[email protected]> wrote:
From: Mike Roberts <[email protected]>Subject: Re: Adobe pics!To: [email protected]: Sunday, January 17, 2010, 10:03 PM
Oh, and I heard whispers and rumors that you guys might come out for
a bit when I settled in?
On Monday, January 18, 2010 4:48 AM, Marcela Roberts
<[email protected]> wrote:
Haha, thanks for sharing the whispers. I wasn't really aware of them, but I think
they were common knowledge anyway. AroundJan. 26-Feb. 9th, we're going to
be in Vegas to see my brother's new baby. After that, we'll be tying up loose
ends, and hopefully be out to help with the Adobe house around the end of Feb.
Nothing's concrete, though. After we get back from Vegas, we're going to kind of
play it by ear. We'll give you a heads up before we show up... maybe. ;)
On Tuesday, May 11, 2010 11:35 PM, Marcela Roberts <[email protected]> wrote:
After this month's Adobe payment of $2126.70, you have $532.79 in our account.
Have a fabulous night!-Marcy
On Saturday, June 12, 2010 11:53 PM, Marcela Roberts <[email protected]> wrote:
So, I made the June payment on the 8th for $2,182.91. That leaves $349.88 in our account that's yours.
Hope all is going well!
-Marcy
On Wednesday, October 6, 2010 12:49 AM, Marcela Roberts <[email protected]> wrote:
Sorry for not responding sooner; moving has been, well... as good as
moving can be. I'm "borrowing" an unsecured wireless connection right now. ;P If my calculations are correct, you have $730.63 in our account after Ready Mortgage cashes in this month's mortgage (which they have not yet, so I hope nothing's lost in the mail).
Let me know if this differs from any calculations you may have. This month's mortgage was: $2126.70.
-Marcy
On Tuesday, January 11, 2011 2:50 PM, Marcela Roberts <[email protected]> wrote:
Ready mortgage wants to help sell the house. They want to get a hold of the real estate agent. Can I have her name/number please?
Also, if you could give Terry a heads up that if and when we sell the house, he's going to have to sign the seller's documents.
Thank you!-Marcela Roberts (mobile)
Begin forwarded message:
From: "shanna" <[email protected]>Date: January 11, 2011 8:23:27 AM CSTTo: "'Marcela Roberts'" <[email protected]>Subject: RE: Loan typeMarcela -
Please send me the name/number of the real estate agent. We're going to see if we can use the agent to complete the rehab on the property and get it sold.
If we're able to assist in getting this property sold, will Terry show up to sign the seller's documents?
Thanks,
Shanna Kolp469-223-3738 866-825-0776 - fax
-----Original Message-----From: Marcela Roberts [mailto:[email protected]] Sent: Monday, January 10, 2011 12:53 PMTo: shannaSubject: Re: Loan type
From what I understand, the main bathtub needs to be installed, there's a small electrical issue that I've been probing to get more information about, and cosmetic repairs like baseboards and trim. I'm currently waiting for a more official list.
It is not being rented but we have furniture inside to start staging. Thereal estate agent said there's been interest in the house but no genuine biters.
-Marcela Roberts (mobile)
-----Original Message-----From: Marcela Roberts [mailto:[email protected]] Sent: Friday, January 07, 2011 2:02 PMTo: Shanna KolpSubject: Loan type
Since I was not there for the original loan signing, I'm not sure what kind of loan it is. Is it a non-recourse loan?
I am having to reconsider foreclosure because the person helping make payments to the property is missing. I live in Alabama which makes it very difficult to do anything with the house. The process for claiming draw money takes so long and adds to the debt that it makes it pointless to claim it. As I've said before, my name and credit was used to get this loan and then everyone else disappeared once their project failed. So I don't know anything about the loan other than getting a monthly statement for a house in a different state that I've only visited a handful of times. Thanks for any information you can provide about the process of foreclosure. Before I go through with it, I need to make sure my little girl is not going to be affected by it in any way (losing our vehicle, primary residence, or a deficiency that I have no way of paying). I did not have a job when I originally was told of the loan (which again, I was told my name was going to be switched out for the company's name within the first month), and I still don't have a job. I am just a homemaker that was trying to help out some family members with my name/credit and ultimately got really screwed over.
Again, any helpful information is appreciated about the type of loan this is and the possible repercussions of a foreclosure.
-Marcela Roberts (mobile)
On Jan 10, 2011, at 10:49 AM, "shanna" <[email protected]> wrote:
Marcela -
It is a full-recourse loan. We are technically the servicer for this loan for our investor. We expect that our
investor will want to pursue deficiency.
What is the status of the house? Is it being rented, if so, for how much? What repairs are still needed, if any?
Thanks,
Shanna Kolp469-223-3738 866-825-0776 - fax
On Friday, February 25, 2011 9:55 PM, Marcela Roberts <[email protected]> wrote:
GOOD NEWS! :D :D :D
--- On Fri, 2/25/11, shanna <[email protected]> wrote:
From: shanna <[email protected]>
Subject: 3205 S. Adobe
To: "'Marcela Roberts'" <[email protected]>
Date: Friday, February 25, 2011, 3:22 PM
Marcela -
Okay, we talked to the realtor and had a contractor inspect the
property. It looks like the cost to repair this property in order to sell it
at market value would be around $30K.
The trustees have reviewed the information and have the following
offer for you and Terry.
1) You and Terry would need to sign a Deed in Lieu of
Foreclosure immediately giving the property back to Ready Mortgage
Corp.
2) You would need to continue the monthly interest payments until
July unless we sell the property sooner. If we sell it later than that, the
last payment you'll be responsible for will be the July 1 payment.
We plan to finish the rehab on this property with our contractors and
get it sold as soon as we can. We probably won't be able to sell for
the amount that we have into this property, but if you comply with the
terms above (items 1 & 2), RMC will not pursue a deficiency.
Thanks,
Shanna Kolp
469-223-3738
866-825-0776 - fax