Woman with stage 4 breast cancer fighting to avoid foreclosure

Woman with stage 4 breast cancer fighting to avoid foreclosure


by BILL McGINTY / NewsChannel 36 Staff

Bio | Email | Follow: @billwcnc


Posted on July 9, 2012 at 11:20 AM

Updated Friday, Oct 25 at 12:30 AM

MOUNT HILLY, N.C. -- To say that Kirk Davis loves his wife Cindi just doesn’t quite cut it.  Married for 19 years, Kirk and Cindi are in it together, for better for worse.

“She’s been a trooper through this whole thing.  She’s never quit and never stopped.  She has fought this entire battle” says Kirk of Cindi’s tenacity.

Cindi’s battle is breast cancer.  It’s been a four-year fight, it’s been a double mastectomy and it’s been dozens of chemo treatments to fight a cancer that just won’t go away.

“I have only cried once and it was the day I was diagnosed, and after that I said, ‘No.  I’m not a quitter.  I am going to beat this,’” she said. 

It is a tough fight, and getting tougher, and Cindi and Kirk are both scared. 

“He worries about me and keeps telling me it’s going to be OK and not to worry, but I’m worrying,” Cindi added.

But cancer is just one of their fights. Kirk and Cindi Davis are also fighting to keep their home.  In and out of foreclosure since 2008, Wells Fargo is telling Kirk and Cindi they have to pay $873 a month to stay.

“They want us to make a house payment of almost $900 a month.  We can afford maybe half that.  I pay $1,100 a month in prescription medications,” Cindi said.

Cindi’s doctors have written letters on her behalf, explaining her “complex history of breast cancer” and say “losing her home would be devastating to her health.” 

“I don’t sleep.  There is many a night we go to bed and an hour later I am back up and up all night,” she said.

NewsChannel 36 contacted Wells Fargo for a response to this situation but the bank said it was not permitted to discuss someone’s personal financial situation.  The bank did issue NewsChannel 36 this statement:

“We understand that many of our customers may face challenges beyond their mortgage payment, so we often work with local housing counselors and other non profits that can help determine if any other assistance may be available. It’s important for customers to continue to work with their servicers and advise them of any changes in their situation.  In assisting customers we must follow investor guidelines. These guidelines determine the kind and amount of assistance a borrower may receive. We work hard to help our customers maintain homeownership and view foreclosure as a last resort.”

Cindi and Kirk say it has been an agonizing process of letters, phone calls, modification programs and dozens of different mortgage specialists who pop in and out of their struggle.

“They’re just going to put us out and it’s like, we are willing to pay what we can pay, but it’s not enough,” Cindi noted.

Cindi and Kirk have even discussed the idea of divorcing so Cindi’s benefits would go up, and the other options on the table aren’t much better.

Cindi explained if worse came to worse, “we have a cab on the pick-up, we may be moving in there.”

Doctors say Cindi’s cancer is back and is now stage four.

It’s in her lungs, lymph nodes, and they found a spot on her liver.

“If it does hit the brain, there’s nothing we can do,” cried Cindi’s husband, Kirk.