8 Spades Recap
Sunday, February 11th, 2024 10:11 pm![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
snoozefestaudio |
28F and clear on this Superbowl Sunday night.
Back on Tuesday, when the process server didn't show, I kinda gave up on caring about the whole forclosure crisis, because my consult with a lawyer was still three days off.
So I was all... staying up too late, and sleeping in, the rest of the work week.
However, Dog the Bounty Hunter did show up on Wednesday, around 1PM, and he was very pleasant and cheery... because... as he reiterated again to me... nobody leaves notes on their doors to make his job easier!
So Thursday began a 30 day countdown for me to respond to the summons before a judgement automatically gets made against me.
Friday, at 1PM, I spoke to Nichole with... Bantam & Associates... I guess I'm calling them now?
BMO is going after me directly, rather than the estate, so Nichole said the first thing she'd do was move to get the suit dismissed, becuase it's not my debt.
Then, open a dialogue with BMO and get them to agree to some payment scheme... without me going into loss mitigation and assuming the debt directly.
She said she'd argue to them that their efforts so far have been counter productive, because they've been preventing me from paying them back.
And she said the most likely solution was to get it out of the equity I have in the house... in the form of some kind of loan... like I tried in November... but this time with BMO not getting in their own way.
It will be $1500.00 to start, but then only $300.00 per month after that, no matter how much time she spends on the case.
She said she'd send me a form to fill out and get it started... and to pay them the fee... but as of tonight, that form has not been sent!
So, it looks like there's a way forward, but I will have to be up early tomorrow to make sure I get that form and get this ball rolling!
I had to ask myself on Friday, at work, why BMO was suing me, and not the estate... because the
AmeriSave underwriters also acted like I was the party liable for the delinquent debt.
Did I accidentally assume the debt?.. back in the summer or something?
But I have to think, NO!.. because it's not on my credit report or anything!.. and it wasn't on my credit report at the time of the AmeriSave closing, in December, either!
So... yeah!.. I guess all these bankers just got blinded with contempt at the fact that it's a JANITOR holding the bag!... like... he MUST be the deadbeat responsible for this debt!
At any rate, the AmEx can cover the $1500.00 to get started with Bantam, and then, all I need is $300.00 per month to keep this going until it's resolved... which is low enough that siblings would probably help out if it came to that.
So if we can kill the forclosure move, and work out some way to transform that zombie debt into a thing I can deal with... then I can go to PNC and start talking about some way to restructure that loan... possibly with the house.
And maybe I could get a forebearance from PNC and/or BMO while this shit is being worked out?
I dunno.
But it does appear there is some kind of way forward.
In the musical department, I did get a lot done, over the work week, with lyric videos for Coffeehouse Boyfriend for the TwinCat YouTube channel.
I think I got something crazy like FOUR videos uploaded!.. as of late Friday night/ early Saturday morning.
It's basically all up there now, except for an end-credit video I want to make, with a surprise extra song, I found footage of myself playing... while digging on the archive drive.
And then, over this weekend I managed to get full guitars and everything else worked out for, Never Rains, on the new album.
On Saturday I wasn't up until almost 3PM, because I'd been up so late after work Friday.
But I still managed to get all the guitars done for Rains before bed that night.
Today I was up earlier... around 1PM... and managed to get all the rest of the instrumentation together.
Now that I have a preset guitar to start with... that I can create as many variations of, as the song requires... things are going fast.
It's so easy to just cut and paste the bassline into a new pattern with a guitar voice... transpose it up an octave... and then just add & subtract notes until it's a guitar part!
Same with all the other insturments!.. I'm just cutting, pasting, twiddling with notes & velocities, and orchestrating a whole song in a weekend!
That shit used to take FOR-EV-ER!
So now the first four songs are fleshed out... and, if you count, Closer To You, that's five... which is half the album!
However, now that I'm starting to employ effects on instruments... such as distortion on guitars, and delay on the piano... it's making mixing on the fly more complicated.
Effects tend to make instruments more present than dry stuff, so I'm having to do a lot more knob twisting to keep everything so that I can still hear my drums and bass.
And that means, there will be some kind of final mastering nightmare at the end of this.
But, as in the olden days, I'm trying to keep it all as well balanced as possible, in the recording phase... to make it easier on myself at the end.
And, as I keep saying... it HAS been a wise move to work this album as a whole piece... rather than laser focusing on one song until it's perfect... and then starting cold with the next one... from the raw cassette sketch.
All of the songs are evolving together, and it IS working out, that as I learn new techniques, it's easy to go back and apply them to stuff from a few weeks ago.
Everything's roughly the same level of, freshness
And now that I've done four full work ups, i'm starting to get the feel for the sound of this album.
It's the same band performing all these songs.
And it's good that I chose ten songs that were all written in the same time period, because that helps with this sense that the album is one big, cohesive, contemporaneous performance.
Okay, as always, on a Sunday night, I'm clean & shiny, and my laundry's in the dryer.
Nine of Spades begins on the morn, and hopefully it'll be a more productive week on the foreclosure front than 8 was.
We also have Valentine's Day coming this week.
And... that's it for the recap.
°¦}
