Cindi Davis (pictured above) has been fighting breast cancer for four years. She's now in Stage 4 of the deadly disease, and it's taken dozens of chemo treatments and $1,100 a month in prescription medications to keep her alive. Those expenses are crippling Cindi and her husband, Kirk, and they are hardly able to keep up with their mortgage.
But that doesn't seem to faze their lender, Wells Fargo. The bank is threatening to throw them out of their Mount Hilly, N.C., home if they don't make their $873-a-month payments -- on top of Cindi's escalating medical expenses, WCNC-TV reported.
"They want us to make a house payment of almost $900 a month," Cindi told the Charlotte, N.C., station. "We can afford maybe half that.
"I don't sleep," she continued. "There is many a night we go to bed, and an hour later, I'm back up and up all night."
Cindi's doctors have written letters to the bank explaining her health complications and saying that if she loses her home, her condition would take a turn for the worse.
Wells Fargo wouldn't comment on Cindi's case but told WCNC-TV: "We understand that many of our customers may face challenges beyond their mortgage payment, so we often work with local housing counselors and other nonprofits 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 have tried modification programs, going through mortgage specialists and endless phone calls and letters -- but to no avail. They've even discussed divorcing so that Cindi's benefits would increase.
Kirk said that Cindi has been "a trouper" through the ordeal.
"She's never quit and never stopped. She has fought this entire battle," Kirk told WCNC-TV.
But the worst may be yet to come, and the couple is trying to prepare for it.
"We have a cab on the pickup," Cindi said. "We may be moving in there."
What the homeowner did: Sarah Cohen's 3-year-old daughter, Emerson, drew on the sidewalk using chalk.
The HOA's response: Chalk art potentially offends, disturbs or interferes with "the peaceful enjoyment" of the community and is not allowed. "The association is trying to go down a path of 'do no harm,' " an attorney representing the HOA said.
Outcome: The issue will be brought to a vote at a future HOA meeting. In the meantime, Cohen plans on continuing to let her daughter draw on the sidewalks. "It's summertime, and God forbid my daughter is drawing flowers, her name and hearts," said Cohen.
What the homeowner did: Nick and Jeni Dreis took home a 6-month-old red kangaroo as a vocational training animal for their 16-year-old daughter, Kala, who has Down’s Syndrome.
The HOA's response: The family should “immediately remove the kangaroo from the property, as it is not a household pet nor can it be maintained for any business purposes.”
Outcome: In the wake of widespread public support for the Dreises, the HOA reversed its position. “The letter should never have been sent,” said Jeff Crilley of the Estates of Legend Ranch Homeowners Association. “[HOA officials] were unaware that the kangaroo was being used for therapy purposes.”
What the homeowner did: Planted perennial flowers in her yard. Kimberly Bois claimed she had the plants in her yard before the condo board even existed and had permission from the developer to plant them.
The HOA's response: Sent the homeowner 13 certified letters demanding she remove the plants, starting with a cease-and-desist order and escalating to thousands of dollars in fines and penalties. "It's not about do you like these flowers or don't you," said the condo association’s attorney, Sandy Roberts. "It's a question of was it authorized and is it permanent."
Outcome: Condo association filed a lawsuit against Bois to pay $4,500 in back fines and $8,000 in attorney’s fees.
What the homeowner did: Barbara Cadranel put a mezuzah on the doorframe of her apartment.
The HOA's response: Threatened to impose a $50-a-day fine until the religious door fixture is removed.
Outcome: The condo association agreed that Cadranel could hang her mezuzah and rescinded all penalties and fees against her. It also said it will allow residents to place mezuzahs and other religious symbols on doorframes without requiring advance approval.
What the homeowner did: Tiffany Veloudis built a playhouse for her 3-year-old son, Cooper, who has cerebral palsy, on the instructions of the toddler’s therapist. It cost the family $5,000 to construct.
The HOA's response: Demanded that the playhouse be removed and ordered the Veloudis family to pay $50 for every day the playhouse remains in their yard.
Outcome: After the story garnered national attention, the association decided the playhouse could stay until a solution could be worked out. State representative Richard Henderson has submitted a bill to enable homeowners to build small structures for therapy purposes with doctor approval, regardless of HOA rules.
What the homeowner did: Jodi and Timothy Burr put up a front yard banner supporting their son, Corey, a lance corporal in the Marines who was serving in Afghanistan at the time.
The HOA's response: Told the family it was breaking the HOA's rule prohibiting all signs from public display.
Outcome: The HOA sued the Burrs when they refused to remove the sign. The Burrs argue that other homeowners have signs in their yards, and that the enforcement of the rule is “selective.” They also are trying to meet with the HOA to discuss possible revisions to the rule.