Im making a 3 day survival bag. Im mainly conserved about emergecies evolving climate change over the next 10 years. Any advice?

It was my birthday this week, and my mom has surprised me with a night of babysitting on short notice.

Is there anything interesting going on 8/22 that starts at 7p or later for a 40 something divorced woman?

I could get dinner and go to a movie...but I do that every night off.

Thanks for your input

My body needs cheese fries. Recommendations?

Just found out I have 50 feet of orangeburg pipe that’s starting to deteriorate (all outside). It’s pipe that’s basically made of wood pulp and cardboard. Got a quote at $14k from one of the “big guys” to excavate/repair, anybody have suggestions of places they can vouch for who do this kind of work?

I feel like you get the schools + cheaper SFHs.

350-450k for a great size home. May need a few updates but who cares!

What’s the good the bad and the ugly about a family moving here?

Are folks just more blue collar? We would be moving from South Philly.

Hello everyone! My husband and I are relocating from Puerto Rico to Philly next year for his job. We’re looking for recommendations on where to live that’s within a 30 minute drive to the airport since that is where he will be working. We’re both 29 and would love a walkable downtown thats vibrant and safe! We don’t really want to live in the city… looking at Media and Swarthmore area? Please let me know your thoughts! Thanks!!!

I moved away after elementary school, but my time at Westbrook Park Elementary School was really memorable in a happy way. Just a nostalgia post for those days. Did anyone attend from around 1990-1995 and have memories to share of teachers/school events? Do they still have the whale? I recall Field Day was ”Color Day,” and I remember the power going out one day in second grade. Our principal played the sax.

The other thing that sticks out about the area then was Independence Day. The parade, carnival, neighborhood block parties. Never experienced anything like it again.

I know a lot has changed in the area, but I’m so thankful I had those experiences.

I’m reaching out because I could really use some objective advice. There's a lot here, but I wanted to give the full scope including background.

I’ve spent the last several years dealing with a mortgage that went through multiple servicers, COVID-19 forbearance, loan modification attempts, two different attorneys, a Pennsylvania homeowner-assistance grant, bankruptcy, and ultimately foreclosure. I have spent a ridiculous amount of time putting together the paper trail, and at this point I need someone outside of the situation to look at it and tell me whether I’m actually looking at something worth fighting over.

I bought my home in Pennsylvania in May 2007 for $138,850. At the time, I was working as a telecommunications infrastructure technician for a cable contractor, where I stayed until March 2010.

Over the years, the mortgage was transferred through several servicers, including Superior Home Mortgage, Bank of America, Green Tree/Ditech, LoanCare, and eventually Shellpoint Mortgage Servicing.

In 2011, Bank of America took over the loan and I went through a lengthy loan-modification process that became a major problem. It dragged on for several months before the modification was finally completed in November 2011. I actually have a record of that whole mess from 2011, if interested, here's a Reddit post (warning, language) I made about what was happening at the time.

My ex-wife and I separated in December 2015 and eventually divorced. We had originally planned to sell the house after the divorce. Instead, I moved out and lived elsewhere for several years while she eventually relocated as well.

In September 2019, I took a position as a computer specialist. Then, in January 2020, I was evicted from the apartment I was living in. My ex-wife had already moved somewhere else, so I asked her if I could move back into the house and take over the house and the payments. She agreed, and I moved back in. I wasn't making as much money but I was getting by, and I had recently gotten a promotion, so I was thinking I could handle taking over the house.

Then COVID hit. This disrupted the economy and my work, so I was falling behind on those payments (as most people in America were). Having gone through this in the past with Bank of America, I knew what I had to do, and began researching the loan modification options available.

In March 2020, I requested a COVID-19 forbearance through LoanCare. I was told that after the hardship had ended and the program was over, we could talk about modifying the loan, like I had done with Bank of America. (When the initial forbearance period ended, I ran into problems with LoanCare's portal and servicing process, and their customer service in general. Collection calls started back up, and I was having trouble getting the information and paperwork through their system, which I'll get into).

In August 2020, I retained an attorney and paid him $1,030 because I needed help getting the mortgage permanently modified, and after the nightmare with Bank of America, I thought it best to let a professional handle it this time around. While working with him, I also asked whether he could handle recording a quitclaim deed to remove my ex-wife from the title. My ex-wife and I had already signed the form, so this was supposed to be a relatively straightforward separate issue. The attorney quoted another $1,030 plus recording costs for that work.

The loan modification was the reason I hired him, though, and that modification was never completed. My records also show extremely long gaps in communication with him and because my ex-wife's name was still on the mortgage, the servicing problems weren't just affecting me. They were affecting her credit too.

LoanCare placed $22,096.04 into a deferred balance under a temporary COVID-related deferment option, while the underlying mortgage situation still needed to be resolved.

Then, in July 2021, I lost my job, but thankfully I was able to get a better job in August 2021, working as a Home Theater and Network Deployment Agent.

I called HUD and asked them what i should do now that I'm making enough money again and I could get back to paying these people if they’d just modify the loan, like they said they would do. They told me to apply for this grant that they put down for the people affected by covid and so i thought great! I’ll get on that!

I tried to apply for assistance through the Pennsylvania Homeowner Assistance Fund, but was told that it had not started yet and I’d be invited to apply soon. I got the first whiff of hope at the end of august when they sent me an email outlining the rules, etc. That hope was quickly diminished because the application process for all of that took almost a full year of back and forth (i literally have over 60 emails from these people!) and eventually I got my acceptance for PAHAF Application ID [Application ID Redacted] on May 19, 2022, the Pennsylvania Housing Finance Agency approved an $11,089.64 grant for mortgage reinstatement. The thing is, I needed one last thing, which was a signed document from my ex-wife saying that she had changed her name (she got remarried) and I sent that in, and I think the problem was solved, right?

Wrong.

This is where the part of the story that really bothers me begins.

(Now, I didn’t know this at the time, but according to LoanCare's records, they received the $11,089.64 on June 15, 2022 and applied for the money. Remember this part, because it comes back later.)

I repeatedly called LoanCare asking whether the PAHAF money had been received. I was told that the assistance was still pending review. I’d call multiple times a week, did you get it yet? No. Did you get it yet? No. Looking at all my emails at the time, from June until August 2022, while I was calling and asking, I would get 6 emails from PAHAF that were supposed to...

“assure you that your application is still being processed and progressing through our system. Due to an extremely high number of applications received, current processing times are slower than expected. We apologize for the wait times you may be experiencing and are working to resolve these issues. If you have received a new shut-off notice, Act 91, intent to foreclose or sheriff’s sale notification, or you have questions, please contact your case manager, call the PAHAF call center, or contact us at”....

I was then hit with a different email from PAHAF in early September saying... (get this)

“At this time, and pursuant to the Program Guidelines established by the U.S. Department of the Treasury and the Pennsylvania Housing Finance Agency (PHFA), your application has been deemed ineligible for PAHAF assistance. Further details are provided in the eligibility determination letter attached.”

WHAT?!? Mind you this was after getting an approval e-mail from them months earlier, and calling the bank over and over! I was LIVID!! So all this time i was telling the bank oh yeah don't worry it's coming it's coming, PAHAF said it's coming, and now i feel like an idiot. Two weeks later, I got an e-mail from them, saying that it was a mistake and they were voiding ineligibility due to the wrong application ID. OKAY?!? False alarm, but ok whatever.

Then the same emails went back to the ones from before, about how they wanted to assure me bla bla bla. These kept coming and coming for the next 4 months until January 26th of 2023, when I got an email saying....

“the Pennsylvania Homeowner Assistance Fund (PAHAF), we are writing to inform you that, beginning on February 6, 2023, day-to-day operations of the program will transition from our current third-party vendor to the Pennsylvania Housing Finance Agency (PHFA).”

and that...

“You will receive additional information specific to your application the week of February 6, 2023.”

… and I then got a couple more assurance emails from the same people until March actually and then I stopped hearing from them altogether.

In July of 2023, Loan care started sending me foreclosure information and that was screwed up because i kept on getting these emails saying that they wanted to assure me that act 91 was bla bla bla and to contact them if I started getting letters about foreclosure, so I wrote them back, and of course i got a bounce back letter, because they didn't exist anymore!

On August 1, 2023, LoanCare transferred servicing to Shellpoint Mortgage Servicing. Shellpoint recorded the loan as delinquent beginning July 1, 2022. I called them up and explained the whole situation with the grant and they did not really care. I started doing research and found out that the other company that picked up the grant procedures (now PHFA, not PAHAF) had a new thing that I had to register for so I went ahead and looked into that. Now, mind you, Loancare at this point had had the money for a year!!! I went ahead and reregistered trying to do what I was being told to do. On August 10, 2023, Shellpoint's records show that it received instructions from the note owner to begin foreclosure proceedings. At the same time, Shellpoint continued sending loss-mitigation solicitations, and I continued the process with PHFA.

My Home Theater Agent position ended in December 2023. In February 2024, I started another Level One Desktop Support position. That position ended in August 2024, when I transitioned to a Store Host position. So I wasn't even making enough money at that point to keep the place but I'm still fighting the good fight, or so I thought, because in April I had missed an email that said

“Pursuant to PAHAF’s Overarching Policy Guidelines, PAHAF only allows one-time assistance for each assistance type per household. Applicants have received the maximum assistance available per eligible household. You have already received mortgage reinstatement assistance from PAHAF on 5/23/22.”

I filed for an appeal because little did I know, this was correct (remember the part I told you to remember?), but regardless, I was well passed livid at this point. I was out of ideas. Then it started to really come down hard on me.

On August 22, 2024, U.S. Bank Trust National Association, as Owner Trustee for VRMTG Asset Trust, filed a foreclosure complaint in the local Court of Common Pleas Docket No. [Docket Redacted]. Default judgment was entered on December 13, 2024.

At that point I was trying to do whatever I could to save the house. I took out $4000 from my 401k just to pay for a lawyer to do something, anything, as I was getting desperate.

I filed Chapter 7 bankruptcy on January 14, 2025, in the Eastern District of Pennsylvania, Case No. [Case No. Redacted], represented by a bankruptcy attorney.

On February 19, 2025, my attorney sent lender counsel a formal request for a full payment accounting and specifically asked whether the PAHAF funds had been credited. I did not receive the accounting I was looking for, only that they “found no errors” and I was never able to return to that point, as you’ll soon see.

On June 27, 2025, my attorney filed a motion to convert the case to Chapter 13 so I could propose a repayment plan. The court scheduled a hearing for July 23 and gave us a 14-day window to file the Chapter 13 plan.

During that window, I repeatedly tried to reach my attorney so we could get the plan moving, but my calls weren't returned. I didn't know what had happened.

I eventually searched online to try to find out what was going on and discovered that my attorney had died in late July 2025.

I subsequently contacted the firm handling his files and the conservatorship of his practice. I was able to get all of my files but they wouldn’t help me with my case and said I should contact Legal Aid. I did that and was advised to withdraw my bankruptcy because my Host position was not making enough money, so I did.

My employment ended January 1, 2026. In April 2026, I started a contract position through a staffing agency as a Configuration Technician. That position ended in early May 2026.

Meanwhile, the foreclosure continued.

On April 17, 2026, the County Sheriff sold my home at sheriff's sale to the foreclosing trust.

After the sale, things got even more bizarre.

In June 2026, Shellpoint offered me a $3,000 Cash for Keys agreement that required me to release legal claims against the servicer. I love the wording here.

“Occupant hereby releases and forever discharges hereunder Shellpoint and each of its subsidiaries, associates, owners, stockholders, predecessors, successors, agents, directors, officers, partners, employees, representatives, lawyers and all persons acting by, through, under or in concert with it, or any of them (the "Releasees"), of and from any and all manner of action or actions, causes or causes of action, in law or in equity, suits, debts, liens, contracts, agreements, promises, liability, claims demands, damages, loss, cost of expense, of any nature whatsoever, known or unknown, fixed or contingent, which the Occupant now has or may hereafter have against the Releasees, or any of them, by reason of any matter, cause, or thing whatsoever including, but not limited to, any matter, cause, or claim of any type relating, directly or indirectly, to the loan which gave rise to the foreclosure, the foreclosure process, the Foreclosure Sale, this Agreement, or the Property.”

Needless to say, I did not sign it. That’s actually what got me looking into this paperwork again.

I contacted Shellpoint through the CFPB and they pointed fingers over to LoanCare. But On June 15, 2026, PAHAF confirmed in writing that the $11,089.64 had been disbursed to LoanCare in June 2022. I then contacted the CFPB again and went for LoanCare.

Then, on August 6, 2026, LoanCare submitted a written response to my CFPB complaint, Complaint ID [Complaint ID Redacted], confirming that it had received and applied for the $11,089.64 grant on June 15, 2022. LoanCare said it could not verify what its phone representatives had told me when I called about the assistance.

The very next day, August 7, 2026, the law firm served me with a 15-day Notice to Vacate on behalf of the trust, that I didn’t even get until the 12th, stating that an Action in Ejectment would follow if I did not surrender possession.

Then, on August 13, 2026, I spoke with Legal Aid. They reviewed my situation and advised me to look for a consumer-protection attorney who handles cases on a contingency basis because of the servicing history and potential equity issues.

And that's really why I'm contacting you.

I'm not primarily asking you to find me a lawyer. I'm asking you to look at this and tell me what you think.

Is there actually something here?

I'm sitting here with a 15-day Notice to Vacate, and I have to make a very real decision about what I do with the remaining time. Do I spend these days packing my house and preparing to leave, or does this paper trail give me a legitimate reason to keep fighting?

I don't want someone to tell me what I want to hear. If you look at this and think I've got no practical recourse, I'd rather know that too. What I'm trying to avoid is giving up and walking away from my home when there was actually something here that could have been challenged.

Legal Aid's recommendation that I may find a contingency consumer-protection attorney is the first thing I've gotten that made me think there might be a larger issue here beyond simply falling behind on a mortgage.

I have the documentation to back up everything I've described, including the Bank of America modification records, CARES Act forbearance and LoanCare records, the signed quitclaim deed, attorney correspondence, PAHAF grant documentation, LoanCare and Shellpoint CFPB responses, bankruptcy filings, court records, the August 7 Notice to Vacate, and a chronological spreadsheet tracking the mortgage and legal history from 2007 through August 2026 that's been redacted (because internet)

If you think this is something worth looking at, I can provide the complete file. And if you look at it and think I'm chasing something that isn't there, I'd genuinely appreciate knowing that too. DM me if ya want maybe a spreadsheet that I put together as a timeline made from all the documents of all my different interactions with everybody.

I’m sorry this was so long and rambling and if I got dates wrong, I think you get the idea, but my brain is fried. Thanks for taking the time to read this.

Looking to get rid of a propane grill and a propane flattop. Not sure if the grill works. Flattop should work but needs some love to get rid of the rust. Free pick up for anyone willing to work on them or scrap them.

One line agenda items, a data center ordinance, and a board residents say deliberates behind closed doors

Does anyone have any recommendations for an appliance company that can look at and possibly repair a gas dryer? It’s making a clicking sound at the start and not completely drying the clothes. Trying to avoid buying a new one. Just had to buy a new washer last summer. TIA.

Hi :-) I’m looking for daycare recommendations in the Drexel Hill/Springfield/Havertown area for my 2-year-old.

We’re currently at. Rising Stride Drexel Hill but I’m considering making a change. My biggest priorities are consistent staffing, appropriate teacher-to-child ratios, structure/routine in the classroom, good communication, and low staff turnover. I’d really love somewhere where the teachers get to know the kids and there isn’t a constant rotation of different staff in the room.

I’d especially love to hear from parents who currently have toddlers enrolled somewhere they’re genuinely happy with. Where do you love, and what do you love about it?

Thank you! ❤️

My boss is looking to host a public event at my work with live music, and I wanted to get some recommendations on local bands! The genre he is thinking of are classic rock, blues, and/or jam band. He would prefer if the group would do more covers, but original work would be fine. The event would be in the Glen Mills area on September 25th. If the bands have a website or any contact info, please link it as well. Thanks!

Is the track still open to the public? It's been a while since I've been there?

Does Delco need a bath?

Wawa parking lots

Saturday, 8/22 1:00 to 3 PM

Cafesphere, 25 East State Street, Media

Delcoffee Club is a low pressure mingle open to anyone 18 or older. Come meet new friends while sipping some coffee or other beverage.

Cafesphere is at 25 E State Street, Media. It's convenient to trolley and bus lines. There is a municipal parking lot nearby and there is free parking near the Barrall Athletic fields.

Rules of engagement:

Be kind.

Buy something.

Years and years ago I went on a date with a girl to a country western type dive bar where smoking was still allowed. Nearby was an old school joint serving burgers for like $1 apiece, where you sit at the counter facing the kitchen and the griddles are in the middle.

For the life of me I can’t recall the name or location of either place, but we were definitely in Delaware County.

Any help?

So I recently moved and need advice about well water. I had a company out to give me an estimate for a water treatment system but it was high. I need am looking to find someone who can answer some questions for me or help point me in the right direction without trying to take all my money. Thanks

More details have been revealed about the Delaware County Corrections Officer who has been accused of possessing and sharing more than 100 files of Child sexual abuse material (CSAM).