MT. HOLLY, N.C. -- Cindi Davis has stage four cancer. It is spreading, and reality for her and her husband Kirk is setting in daily.
Kirk says, “She’s here, she’s with us. It’s the morning I wake up and she is not there, that’s when I’ll fall apart.”
It is a delicate balancing act, fighting cancer since 2008, and fighting to keep their home out of foreclosure.
These days, they’re losing both fights.
Cindi says of their struggle, “Overwhelming really isn’t the term -- it’s beyond overwhelming. We tried to keep things up, but with the medical bills, we just can’t keep it up.”
Cindi and Kirk say they bought their modest home in Mt. Holly in 2004. This summer, Wells Fargo, which told NewsChannel 36’s Bill McGinty the first option, is to try to keep people in their homes, turned Cindi and Kirk’s delinquent loan over to a foreclosure attorney. The letter stated they are now in “active foreclosure.”
Cindi says it’s tough and added, “I don’t understand why? We want to work with the bank, but be reasonable, they have our paperwork, and they know the numbers.”
Cindi and Kirk bought their house for $112,000. After two years of fighting cancer in 2010, they owed $127,144.32.
In the last two years the bank has hit them with more accrued and unpaid interest adding up to $12,025.12.
The late charges are $392.17, there are miscellaneous fees of $154.06, as well as escrow advances of $581.80. The total mortgage now due is now $140,297.47. For a home they bought for $112,000.
Kirk struggles with the bills asking, “So what do I do? Do I make sure I have the $81.00 for the three or four chemo visits every month, or do I put that towards the mortgage?”
Kirk and Cindi don’t know how much time they have left together. The cancer is aggressive, but their attitude is good and their love is strong.
Adds Cindi, “I have to focus on trying to stay healthy. Bringing that negativity in while you are fighting cancer just brings you down; you just have to block it out.”
Cindi and Kirk say they are working on options through HUD, but fear they are so far behind on payments, they’ll never catch up.
Wells Fargo Bank sent NewsChannel 36 this statement in response to our second story on the Davis’ situation.
“Our thoughts are with Mrs. Davis during her courageous battle with cancer. It is important to note that her mortgage loan has not been foreclosed, nor has she been asked to leave her home. Wells Fargo works hard to help our customers maintain home ownership whenever possible, and we view foreclosure as a last resort. As part of our continuing efforts to work with the Davis family, we have reached out to nonprofit organizations that might be able to offer assistance."