#it still fucking happens and if the person is 18 it's totally legal. Its barely enforceably illegal if they're a minor.

[fvckw4d]

Also extremely relevant, if the lease is oral these protections are basically hypothetical. Technically an oral lease is supposed to work like a written one it's just immensely harder to prove. If you're squatting you have the barest of protections, 30 days to leave after you're caught and the legal process goes through usually, unless you've been squatting for a very long time (usually around 7 years) and can prove it.

But if you are staying somewhere without a lease? That's considered illegal if the place your staying has a lease with guest rules in them. If you're crashing with someone and the landlord doesn't like it, you get the barest of of bare protections, I'm talking worse than squatting, and it can endanger the housing stability of whoever is letting you stay. I.E. not only can the landlord start and enact the process of kicking you out within a matter of weeks (if they don't just call the cops on you for trespassing), whoever you were staying with can legally be evicted because you stayed a day past whatever the guest rules dictate.

And if you're staying with a friend or family member and they decide they don't want you there? They can kick you out whenever the fuck they want and that's totally legal. That's often how immediate homelessness is created, someone's parents or friends or partner or other family decide they don't want them in their house anymore. Anyone who's become homeless because a partner broke up with them, because of domestic violence, because they came out or they turned 18 and their parents wanted them gone can tell you all about that. It's an overlooked but big issue with housing stability.

[glowingbadger]

Can I get some SFW and nsfw modern day Kaeya and Diluc stuff? Ty ty!

Damn I hadn't even thought about ModernAU Genshin before lol should be interesting- lesgoooo~

Side note- Genshin refuses to make actual sense of any of the ages of its characters, so I'm going with, like... mid-20's, semi-recently out of college for these two.

Kaeya, Diluc x GN Reader - ModernAU! headcanons

SFW (nsfw below the cut)

Kaeya:

- He's in law school, and has a real knack for discovering hilarious and exploitable legal loopholes. It's also a field that suits him for a number of reasons- it makes use of his infectious natural charm, and keeps him entertained with the 'stories' you happen upon working with people's legal and personal problems. He's also the best dressed in any of his classes, and in any given courtroom. Those who know luxury clothing when they see it can't help incredulously wondering how he affords his wardrobe while still technically a student.

- Kaeya is such a shitposter. He habitually 'likes' any and everything you post on any and all social media platforms- but he'll also comment "mmm who's that sexy thing" beneath the most innocuous images of you. He sends you dumb memes at concerning hours of the night- frequently while intoxicated, and especially when you've had a stressful day.

- As a partner, Kaeya is surprisingly loyal. His friends (and yours) will joke about him being a total slut, how you must have to keep him on such a short leash. He doesn't take offense to this though, and in a way, he gets a kick out of being perceived this way. But in truth, since he's been with you, he's never once considered anyone else. When you're alone together, there's a warmth in his gaze and a gentleness to his touch that no one else has ever seen.

- Everywhere Kaeya goes, he seems to "know a guy." He's always got an in- and an elaborate story of how he met this person and why they're, frankly, worryingly open to doing him favors. It's rare that a date with Kaeya goes by without you being offered free drinks, free desserts, a better seat at a restaurant or theatre, etc. Generally, when pressed, he'll wave a hand and say, "Babe come on, you know me- I just love making friends." Though you've heard whispers that some of his "friends" are just people who can't afford to be on his bad side.

Diluc:

- Was on track to become a police officer for some time, but it took barely a month from completing his training for him to become entirely disillusioned with the entire system. He quit (bluntly and forcefully, I might add) and now works as a P.I. His quietly thoughtful and serious nature puts clients at ease while allowing him to examine each case efficiently and effectively. I also figure we'd still carry over the "bartending at night" angle from the games- it's a great way to network and gain intel while undercover.

- His phone is basically a device for work, the news, and sometimes for contacting you, and absolutely nothing else. He hates the constant noise of social media, and refuses to jump on trends when things move too fast to get meaningfully invested in anything. Still, while he tries to angle his screen so you won't see it, he has set a picture of you as his wallpaper.

- Diluc loves the quiet, domestic side of your relationship. He treasures things like cooking together, cuddling on the couch with a movie, or even working on chores and projects together. He comes from money (though he doesn't talk about it much), so the more down to earth life that he's made with you is precious to him, and he appreciates all of the little moments that reaffirm your bond. That said, he does have an excellent memory for things like birthdays, anniversaries and such, and he is not shy about spending some cash on such occasions.

- Your friends all think he's super hot (and they're right), but are also a bit intimidated by him. Once, you tried showing them a sweet message he sent you drowning in heart emojis and they insisted that couldn't be him. Now there's a running joke in your friend group about your secret side-guy who leaves you nice voicemails when you've had a bad day and has flowers sent to your work- since they're convinced someone as serious and put-together as Diluc couldn't be your incredibly affectionate boyfriend.

NSFW 18+ v

Kaeya:

- Kaeya loves showing you off, especially in an outfit he bought just for you. It seriously turns him on to watch you over a nice dinner out wearing something a bit risque that he selected for you, noting the appreciative glances in your direction from others nearby, and knowing that you're his. The way his line of sight wanders your body all night makes it exceedingly clear that he can't wait to tear that lovely outfit off of you when he has you alone.

- Definitely the adventurous and experimental sort when it comes to kink, and he especially enjoys a bit of exhibitionism or semi-public fooling around. During a similar date night, with you looking so positively delicious across the table, he'll watch with a wolfish smirk as you squirm from the vibrations of a toy he pushed inside of you earlier that evening. He reclines in his seat and levels his gaze on you, saying, "My, darling, are you feeling alright? You look a bit flushed..." as his hand fiddles with the toy's remote. Then, once he gets you home or- even better -to a hotel, he'll press you against the window as he fucks you into panting, mindless bliss. Sometimes he doesn't even want to wait that long, and he'll find somewhere to park his car and fuck you in his back seat

- Kaeya has sending dick pics and lewd selfies down to an art. Seriously, his pictures are beautiful- of course helped by the fact that his body is gorgeous as well. Naturally, he loves to receive erotic images of you as well, and will save each and every one of them for "later use." If you're into it, he'll gladly send you a video of himself stroking his cock just for you, while describing every filthy thing he imagines doing to you in explicit detail.

Diluc:

- Generally speaking, Diluc wants to wine and dine you before the spicy business. He's a romantic at heart, and he wants you to know that he adores every part of you- and your body just happens to be one item on that list. He's not as obvious with his desires as some, but lingering gazes across the dinner table, or a hand at the small of your back trailing around your waist, all make his intentions clear. There's no doubt your lovely evening together will end with his strong body pressing you against his matress, his lips at your throat and your thighs clinging around his hips.

- He's generally fairly private about his sex life- not shy, per say, but insistent that your mutual pleasure is something for only the two of you. He's also not likely to sext or send lewd photos unless you really, really want them (and he's kind of adorably awkward about it at first even if he does try for you)- but if you tease him by sending him something naughty, his mind short circuits. His face burns crimson and he stops whatever he was doing and just stares at your beautiful body on the screen, as though he can already feel you in his hands.

- Diluc is a busy man, so there's likely to be stretches when the time and energy for sex simply isn't there. But once he's wrapped up a case and he finally has some time to breathe, you can bet he'll lift you into his arms and carry you to the bedroom the first chance he gets. You might even start to suspect that it's a way for him to vent his work stress when his thick cock pounds into you so nice and steady and deep- but you're certainly not about to complain, especially when you've been without him for so long.

[rametarin]

tempting.

Reflecting on my health issues, since age 17. And my living situation.

So since around the age of 16, I’ve been plagued with unpredictable bowel problems and digestive ills. Like, everybody gets constipated every now and then, but I mean I’d get just, excruciatingly backed up and my family wouldn’t help me get seen or anything.

Basically from the time I was 18 onwards I was told my medical bills were mine. But oh by the way [Ram. Not my real name, but the name fam calls me], you gotta pay us every dollar that isn’t devoted to keeping yourself alive :^)

I’d be like, family, I cannot afford this, it’d be in your best interests to invest in my health so I can figure out what’s fucky about my bowels and stomach so this can stop happening, I can live a normal life, and we can all continue on our merry way.

Basically I was told, “tough shit, do it yourself, also pay your fair share to The Family” (aka, give mom all your money.)

It was never just fear of homelessness, but fear of homelessness while my GI tract was fucky and my teeth were rotting out of my head that made escape from here impossible. It’s why I didn’t just climb into a hole in the wall and escape this garbage fire of a mother and do that bootstrap shit. Because it sincerely made  me wonder sometimes if I was being poisoned by my mother to keep me powerless and in need of help, but perpetually weakened to where the best I could do is move towards help but just be put on a treadmill for someone elses financial benefit.

Perhaps my bitterness makes just a touch more sense now, right? Because Maine is a long-drive state. You need a car. You absolutely need a car to get anywhere. Not having one means you walk everywhere, you ride a bike everywhere and are FUCKED during the winter, or you go nowhere because you don’t have anywhere you need to be and don’t drive.

Now that said, imagine having bowel and ass problems so bad just the idea of driving makes you question if it’s safe for you to even be on the road.

That has been my existence for twenty years now, because my family wants me just close enough to extract what mom things “she’s owed,” but absolutely will not help me with anything. There’s no security in staying here because the whole fucking POINT of putting up with a family’s infantilizing “everything has its place” mentality, is you’re able to wisely squirrel away your income without paying a landlord anything and your income going up in smoke

If your mother is just the worst sort of landlord, you’re basically just paying a narcissistic bitch of a mother to be a narcissistic bitch of a mother. There’s absolutely no upside.

So I’ve been stuck in this virtual tutorial of an existence because my own digestive system was torturing me and seriously deleting my ability to operate independently. And mom, whom has always wanted absolute control over my finances and my future, saw it as a holistic way of penning me up and making be desperate. Never a wasted opportunity with this fucking monster.

Well. I eliminated cottonseed oil and chicken proteins from my diet and, while not perfect, the amount of excruciating pain and pressure and weird cold-acidic burning in my back and bowels has subsided a lot. As well as my stomach issues receded considerably.

The truth is I was loathe to even try and escape without figuring out these problems, but I couldn’t figure them out because I never had the money. I tried to get a barium enema x-ray when I was 17 and suffering a massive, excruciating flareup. I missed prom (I didn’t have anyone to go with anyway) because of what felt like it could’ve been anything from gall stones to bowel cancer.

Had a big useless cleanse that was excruciating, then had the guys that give the barium enema tell me, “lube is expensive” when I screamed about how much it hurt to have the thing shoved up my ass. My already inflamed, tender ass.

Absolutely nothing was found in my bowels. Which did absolutely nothing to explain why they felt inflamed and miserable. But it did give me a $1,700 bill, which proved.. absolutely nothing except they couldn’t find tumors or any object lodged in my butt. Given how it took me two summers to acquire almost that much working a shit job for my shithead father’s girlfriend, maybe you can appreciate how heartbreaking that is. Spending all that money and you don’t even learn WHY you’re suffering, you just learn why you aren’t.

And today I still fume with rage over being told, “ass lube is expensive so we’re skimping on it” and then be charged almost two thousand god damned dollars.

Absolutely could not get my family to help me pursue any other avenue. They just kept insisting, “it’s all anxiety, it’s all in your head. You just need to get off the computer and do more manual labor/make us money and your problems will go away. :^)”

But then they would not help me do it. They wanted me to take on all the risk while they got the guaranteed income from my needing to be around them.

My need to grow step by step was their opportunity to mitigate my life, every step of the way, so non-compliance with their exploitation would result in homelessness and complete uprooting. If I wasn’t going to voluntarily follow draconian rules, then I’d be governed by those rules anyway in the absence of them being verbally stated. Just, using poverty and immobility as a way to impose it.

But I refused to comply. I wasn’t going to suffer every day unendingly AND get my income snatched away, BY MY OWN GOD DAMNED FAMILY. A family that didn’t even pay RENT to live in the house we were living in at the time, and a family that made 65-70K a year, with another house they owned in a less convenient location worth $350K. My mother had ABSOLUTELY NO BUSINESS other than fun and profit as an excuse as to why I needed to buy, “the family,” a car. Other than making it the “family” car giving her defacto control over it but my obligation to pay for it. Just another indirect way to give her absolute control over my options and alternatives.

So I didn’t work. I sat at home and dealt with her abusive bullshit, because it was the only card I had left in my deck. She didn’t want the stigma of throwing out a sick man without a license, a car or any savings. I didn’t want to voluntarily throw myself out and die in the street.

So I dealt with my health problems as best as I could. There were a good many times living in this house, that we’ve lived in and she’s owned since 2006, that I questioned whether I should phone an ambulance and just say fuck it, go into tens of thousands of dollars of debt just goosechasing this problem, thanks to the backdoor socialized medical system that exploits the profit motive but uses government assured payment fixed to taxes in order to afford it.

That’s probably what pisses me off the most about my situation. Our medical system has been turned into a farce by socialists deliberately making medicine as toxic as they fucking can in order to then bat their eyes and go, “Bet you just want single payer and to basically make medicine another ring of the government NOW, don’t youuuuuu? It’d make all those woes go awayyyyy!” while turning the screws to our bodies by denying us affordable medicine. All while blaming capitalism for shit that’s assured to work at any cost by the government.

Other people pine for a more socialized system to make the disgusting exploitation and abuse stop. But the truth is, that’s just like wanting to marry a pirate so they’ll stop lobbing cannonballs and demanding tolls at sea from you. Yes, the actual literal war on you and your community and your personal sovereignty will be over, but you’ll also be institutionalizing pirates in order to make them stop taking complete advantage of you on their terms instead of taking complete advantage of you on mostly-their terms but you get to act like you’re consenting to it.

I digressed. Anyway...

Well. I’m curious about pursuing a shit job just to see if I can KEEP some income, but I know, and have always known, my mother will not allow me to do anything with that money but barely keep myself alive. While she uses it to just buy enormous bulk loads of garbage and hoards them in the corners, or throws hundreds of dollars at friends-of-the-family/neighbors and extracts that money from me to do it.

I know going into it that the job would be otherwise worthless. She wants her ten pounds of flesh a year from me, and if I worked, there’d be no getting around it. She isn’t going to allow me to profit living with her, in any way. Everything has to revolve around her, or I get made homeless.

But trying to hold a job would mean possible (there’s that ‘potential vs. guarantee dichotomy again) feelers out to couches to surf on. Or credit building.

It’d still be a sexless existence dictated by someone so fucking petty that they can’t help you fix a broken tooth but do miraculously have the money to buy you a cell phone and a plan, “if you want it,” purely to always have you at their beck and call and/or have control over your phone plan. And it’d mean committing to something that runs a minimum of a year while being able to have a foot crushing my neck and destroying whatever I’m trying to do in an instant.

but it’d also mean being able to financially pursue what’s wrong with me and fixing it.

But I will hold this grudge against women and the actual, objective privilege they have from the legal system and our social system in the US for the rest of my life. Everybody around me saw what she was doing to me and my life, and they’ve done and said absolutely nothing. An abusive woman in this society is basically on par with the richest barons in a young adult novel, and all you have to do to get that kind of institutional power, rich or poor, is have a vagina and be a mom.

Then other women will sympathize with the mother, whom can never be totally wrong about anything, and at best you might get silence and indifference about the way you’re treated.

You can be cornered, debased and neglected until you’re a greasy shoggoth of a person, and if it’s a woman doing this to you, it’s your fault for not escaping. After having every escape route made as torturous and unsustainable an option as possible, you’ll be held accountable for yourself.

I’ll be relieved and pleased when this disgusting pig of a woman dies of natural causes. She’ll have gotten away with grabbing my life and thrashing around with it for 20 years while the world passed me by, just to keep control, just for fun, just for profit.

But in the meantime, maybe there’s a local niche I can fill. Just enough of something to find somewhere else to live. Without conditions making it more damning to pursue than nothing at all.

But I’m not hoping too hard.

[sir-adamus]

uhmmm.... that one anon DOES realize tyrian is in like his late thirties right? das gross and I don't like it someone please get that one MIB thing that erases memories.

yeah like

ive talked about this a long time ago with regards to that one creep who was shipping Blake and Qrow (this was like a year before they pulled that fake suicide hoax) and i think also in regards to that asshole who shipped Weiss and Ironwood and then claimed to have gotten doxxed with absolutely no proof that it happened and was very obviously pointing the finger at Bumble/by shippers without explicitly saying it (and shes still doing that shit on reddit, like the moment aforementioned hoax hit there she immediately went “it has to be true because it happened to ME” and then went on a long rant about how she was totally the victim for putting creepy art in the main tags  and people called her out on it and how its totally not weird because she married her forty year old husband when she was barely out of her teens)

so im just gonna quote the relevant part of what was said re: the first thing i mentioned

“age of consent means you’re legally allowed to have consenting sex - it doesn’t mean it’s suddenly morally okay for a man in his forties to hook up with someone who hasn’t even reached full adulthood (yeah newsflash dumbasses, the age of consent is an arbitrary limit, it’s not an “at this age you are fully an adult”, growth and development doesn’t work that way, it was picked because there had to be one, not because)“

just because someone is “legal” (and the implications of that term is so creepy) doesnt mean middle aged adults are suddenly okay to start sexually pursuing people who are… well, theyre still teenagers, developmentally speaking (and it has always been so fucked up and creepy that grown ass men make websites and countdowns counting the days and hours and minutes to underage actresses and singers turning 18, it is so twisted and gross). turning 18 isnt a magical transformation where you immediately reach full physical and emotional maturity, youre still growing and developing for a good few years after that (i think its that typical neural development finishes - ie, when the brain can be considered an “adult brain” - at about age 25, and even then theyre not gonna necessarily be fully mature)

there is a world of difference between someone who has barely any life experience, barely out of their teens (and so as mentioned above, still growing and developing), and someone even ten years older than them. no near-thirty year olds should be pursuing and engaging in relationships with someone a decade younger than them, hell even to someone my age (26), someone at age twenty seems like a kid to me - the only reason someone would do that is to take advantage of that lack of maturity, their lack of life experience because theyre easier to manipulate and control and coerce

age gaps become less important as we get older but thats after life experience; theres no big deal in a 30 year old and a 50 year old hooking up really, because theres been time to reach full maturity and get some life experience. but that same age gap where the younger person is 19? thats horrifyingly creepy

and obviously the (stupid) defense in all these situations is “its just fiction” (or claiming in the real life examples  that the younger person is “mature for their age” which is, in fact, code. for “quiet and easy to manipulate”) as if constantly putting art and fanfic and gross porn, untagged and often with no warning whatsoever, on a website with a wide reaching audience filled with numerous impressionable people just looking for context of a show they like. that shit informs reality, that shit is telling those impressionable people out there that kind of thing is okay when its not, its skeevy and disgusting.

[kaikhaos]

The Hurricane Sandy Saga Continues…

So here’s the story of my life since October 28, 2012 and all the chaos that has come with it. This is not a happy story, so far, but I’m hoping you guys can help make it one, or at least help prevent a bad end. This is a story of corrupt banks, government bullsh*t, and a 25 year old disabled trans queer who just wants to go home. Over the next five thousand words, I hope you realize the extent of how life has repeatedly NOPED at any sense of logic. At the end of my story, I’m going to ask you to help me out if you can and to spread the word either way.

The tl;dr version is that my family is facing homelessness for the fourth time in eighteen months and I really need you guys’ help to get us back into a stable situation so this never happens again. The mortgage company has screwed us yet again and is holding on to $250,000 that is supposed to be ours. So while we own one house and one newly demolished lot, we have nowhere to live. If you can at all help out, please do. My paypal link is here: http://paypal.me/mihaelkai .

My name is Aleks. This is my story.

First, let’s get one thing out of the way: I’m disabled. I have been legally recognized as disabled since I was 18. I have a combination of mental health issues and physical health issues that make it so my capacity on any given day varies greatly from “I made it through a day at a con thanks to lots of painkillers!” to “I brushed my teeth today and didn’t cry doing it!” But I try. Anxiety, depression, C-PTSD, & ADD are just a few of the things I’ve been diagnosed with by my therapist and psychiatrist, paired with diagnoses from my doctors of migraines, fibromyalgia, and a degenerative connective tissue disorder known as Ehlers-Danlos that all combine to leave me in fairly constant pain basically everywhere. My brain and my body attack me constantly but I still try to do what I can. Unfortunately, it means I can’t just go out and get a 9-5 or retail job to help fix my situation. I can only do what I can do and I have to know my limits.

I live with my mother and my QPP Luca who are both also disabled.

You may know in 2012 we were hit by Hurricane Sandy. If you don’t know that, you’re about to find out. We had six feet of water in our house and my grandfather’s house next door (AKA: my inheritance) floated off of its foundation and was straight up condemned. Ever since then, life has been, in a word, chaos. It’s gotten to be a theme in our house that if it can go wrong, it will go wrong. Even my therapist has given up on making any kind of treatment plan and is basically just focusing on damage control. And honestly, at this point, I just wanna go home.

But Aleks, it’s been seven years, why aren’t you home yet? Oh boy, I am SO glad you asked. Let’s get into this history.

First, a prequel. I’m not rich, my family isn’t rich, but we get by. Our house wasn’t big, but it was beautiful. In 2006, my mother bought two tiny houses next door to each other from an old man who wanted to sell them to a family the way he’d grown up in the smaller house while his parents lived in the other house. The one house was a six hundred square foot bungalow that would become my grandfather’s and its neighbor was a seven hundred square foot house that would become mine and my mother’s.

Our house was gorgeous and cute. Built in the early 1900s by a tinsmith with scraps from all of his jobs, all of the walls were tin instead of sheetrock or plaster, the floors were gorgeous hardwood, and the three bedrooms were each under a hundred square feet. It was tiny but it was ours.

On August 28th, 2011, that house was hit by Tropical Storm Irene. Our house was flooded by two feet of water on the first floor. The Atlantic Ocean took out our floors, cabinets, appliances, electrical outlets, the bathroom tile, and the furniture, not to mention rusting the heck out of the bottom of the tin walls. It took six months to get the final eighty thousand dollar settlement out of the insurance company.

The check was deposited by the mortgage company who said they would hold onto it and dole it out as we hired contractors or finished repairs. But here’s the thing: The settlement barely covered enough for the supplies, so we maxed out credit cards and depleted personal savings and finished our repairs a few months later with the help of very few contractors and a lot of DIY.

We installed our kitchen appliances as the last step and called the mortgage company that day to ask them to come and inspect and verify the repairs were done so they could release the other seventy thousand dollars that they were holding onto. They said they were backed up and that they would come and inspect in a month.

Our new stove was 22 days old when Hurricane Sandy hit us.

Where Irene was manageable, Sandy was devastating. My grandfather’s house floated on the storm surge and landed three feet away from its foundation. The legs of our lawn table were bent and sticking out from under the house like the damn wicked witch or something. Our house on the other hand shifted by an inch. Not much, you’d think, but enough to break every pipe in the house and damage the entire structural stability of the house.

The town building department condemned my grandfather’s house and wrote ours up as “more than 50% damaged”.

Needless to say, both houses were left completely and totally uninhabitable.

The mortgage company inspector came and said because everything was wet and ruined that they “couldn’t certify the repairs were completed” even when we were standing there with a stack of receipts and before and after pictures, clearly proving everything had been replaced since most of the materials had been changed. So they decided they wouldn’t release the $70,000 they were holding onto from Irene until the new SANDY repairs were done. Even though we’d already spent that money on repairs and run up debt because of it, they decided they were just going to hold onto it for longer.

And honestly? Fuck those guys. They are the root of some of the most evil parts of this, as you’ll see.

So back to the Sandy damages. First, the insurance company offered us a FIFTEEN THOUSAND DOLLAR damage assessment. Fifteen thousand bucks when we had six feet of water in our house. For perspective, fourteen months before Hurricane Sandy, Tropical Storm Irene sent 24 inches of water into our house and the insurance company gave us eighty thousand dollars to make those repairs. So yeah, fifteen thousand wasn’t gonna do it. The construction estimates for the repairs were coming in around two hundred and fifty thousand.

So, of course, we appealed. Our engineer said parts of the house were outright dangerous from the damage and had to be torn down and replaced. We told the insurance company this and they told us they would send their own engineer. And… well… they sent SOMEBODY. Was that guy a licensed engineer? Nope. Did they tell us he was? Yup.

So then we appealed to FEMA. The judge from FEMA told them outright to send a LICENSED engineer in his decision and left it at that. So then they did. This guy now said he thought fifty thousand was gonna do it. The insurance company looked at his report and went “mmm… so how about thirty thousand?”

So… no. So then we had to hire a lawyer and took them to court. We weren’t the only ones, thousands of people had to file these lawsuits. The lawyer told us not to let the mortgage company cash the $30,000 of checks we’d been given for the storm so far because it could be argued to be us agreeing to that number. He said we just had to WAIT. So the checks got too old to cash.

The Visiting Nurse Service started sending a therapist to our house once a week for each of the three of us to help with “Hurricane-Related PTSD”. Yup. Cool. On top of my regular C-PTSD. Awesome. But the guy was nice and having therapists to talk to twice a week (my regular one and this guy) was helpful. And he gave me some worksheets that helped me kind of have more of a tool kit. Everything still sucked but hey, we all trudged on.

Pretty sure this was around when the first roofing shingles started falling off of our rental house. We told the landlord that this was a problem and that the property was going to start getting leaks in the roof. We pointed out that it said in our lease that he was supposed to fix this little ‘issue’.

Repeatedly.

Including in writing and by sending him photos of the slowly growing stack of shingles that were not on the roof anymore and the leaky window.

And he still did diddly squat about it.

For five years.

Meanwhile during this whole… process, New York State started the New York Rising program to help rebuild the houses who were tied up in lawsuits like ours or who didn’t have insurance like my grandfather’s. We applied right away. It seemed like an answer!

…So then uh… New York Rising LOST our file.

…Uh… Twice.

And when they finally DID decide to properly process our application, they gave us a grand total of $88,000 and put us in the ‘Build a whole new house’ category. Our house is, as I said, under 900 square feet in size. You literally cannot build a house in our area for that price at that size. Especially when it’s a property that needs 14 foot deep helical pilings and a nine foot high foundation to comply with current code. The foundation alone is $50,000. The lowest estimate we found from any construction company after no less than TEN bids was $180,000 NOT counting the architect who’s another $15,000. NY Rising expected us to be able to rebuild for a fraction of that. So we started looking into finding other financing possibilities while waiting on the lawsuit to continue going through.

We decided to hire our neighbour’s architect because he was something resembling almost affordable. We gave him a deposit. …A few weeks later, he had a heart attack while leaving the building department’s office. …A few weeks after that, he started being investigated for embezzling money from his clients.

At this point, we’d been out of our house for years. And more and more shingles kept falling off of the roof of the rental. Then a siding tile fell off too because the landlord’s son’s landscaping company crashed a lawnmower into it.

We started looking at houses to buy so that at least we would own something.

Then my grandfather (who had been a major contributor to our household finances) had a severe stroke. Six months later, he died. Suddenly we were $3,000 tighter per month. The possibility of buying a house went out the window. But we made do as best as we could.

FEMA was paying for the rental house we were living in while going through all of the appeal and lawsuit procedures and, when we hit their funding cap, New York Rising’s IMA program stepped in to pay “whichever is less, your rent or mortgage”. It still meant higher costs as the rent around here is more than our mortgage, but it made it so we could get by.

The one silver lining was that once my grandfather was out of the picture (since he’d been living with us in a shared rental since Sandy), I was able to start on testosterone injections. January 28, 2015, I was able to start my injections and officially begin the medical side of my transition.

Then New York Rising hit a cap on IMA funding. Which… sucked pretty fucking hard because then there was a few thousand a month more money we had to find to shell out. But then the program was extended and that was awesome.

Then our cat, Pickles, developed severe kidney problems. She was my best friend since the day she showed up on our doorstep a week after we bought our house in 2006 and wandered into the kitchen demanding petting. She moved into our lives and never left. I couldn’t give her up without a fight. So I spent all of my savings on her medical bills and started giving her saline injections twice a day every day to help her kidneys flush the toxins they couldn’t handle themselves.

Then the IMA ran out again. So back to the land of suck. They told us we would be eligible for a little more funding. But only if we demolished the existing house.

In order to legally demolish the house, we had to pay for a construction company to do it under their license. New York Rising expected us to be able to demo the house for $5,000. The lowest bid we received was for $9,000. When we told them this, their reaction was essentially “yeah, yeah, we know, just make it work”. Make it work is a cool and funny phrase when spoken by an aging fashion consultant on television. It’s not so cool or funny when it’s being told to you by the people who are supposed to help you fix your house. It is stressful as hell.

Then Pickles got sicker. And sicker. And her at-home dialysis wasn’t enough to keep her going anymore. Pickles passed in May 2016.

In 2017, we finally won our lawsuit. The judge ruled the insurance company had to release a full payment to the policy maximum of $250,000! Those jerks tried giving us $15,000 and the judge was like “Uh… no, this is $250,000 of damage”. Victory! But we were still out our legal fees because, unlike homeowner’s insurance where the insurance company pays the fees, flood insurance is federally underwritten so you’re not allowed to get the legal fees paid for. Some flood insurance companies realized they’d fucked up and as a result agreed to pay for the legal fees. Our flood insurance company… wasn’t so generous. But a check was still generated by the flood insurance company thanks to the judge. Huzzah, light at the end of the tunnel!

…Then the lawyer refused to sign the check.

Apparently our lawyer has had dealings with our mortgage company before and run into the same problem as we had with their “we’ll release your funding at the end” theory. Except for him that meant “we won’t pay out your legal fees until the house is finished” and he didn’t like that. So they wanted him to sign the check over to them and he wanted them to sign the check over to him. They spent years arguing over a piece of paper with some dollar signs on it while we got needlessly further into debt.

Then one of my ferrets, Wasabi, my emotional support animal, got really sick really suddenly.

By the time the vet scrambled to find out what was wrong, it was too late and he was gone. It turned out that he had a rare autoimmune condition caused by heavy metal exposure from the water. His sister survived, but now Lemon was alone and she and I were both devastated. Watching the way she would get excited and then sad any time we brought out a toy with Wasabi’s scent on it broke my heart so I replaced her toys.

A month later, people came knocking on our door offering free water filters if they would let us track the toxic plume of decades old industrial chemicals and waste spreading unhindered through the groundwater supply that had apparently reached us and was contaminating our pipes.

Eventually, during all this, New York Rising started to realize that their $160 per square foot amount just wasn’t enough when it came to houses like ours. So they started a program called the Recon 100 program. The goal of this program was supposed to be that New York Rising would take over the build process, they would hire contractors and architects in bulk, essentially hiring them for ‘bundles’ of 10 or 20 properties at a time to get them to accept a lower profit per house because they would be guaranteed months of solid work. We were signed up into the program.

Now, as a condition of this program, we had to stop doing any work on our own, we’d have to return whatever hadn’t been spent on repairs already, and we’d have to give them any insurance checks. But New York Rising was bragging about how they had programs that would allow you to repay the funding over several years because they knew everyone was using a little bit here or there to make ends meet. And that was all well and dandy because once the repairs were done, the mortgage company would release what they were holding one way or another. They would have to. …Right?

Meanwhile, our rental assistance hit the next cap. New York Rising told us not to worry because once this paperwork was approved, we’d be eligible for a higher cap of extended rental assistance. It was just a matter of waiting for the paperwork to get approved, they said.

Then our caseworker at New York Rising decided she was going to deny our receipts for the funds already spent. And that she wasn’t going to file the appeals to that denial that we explicitly asked her in writing to file.

Then on top of that, we discovered that at some point our NYR caseworker had decided to NOT sign us up for the extended timeline repayment thing because… fuck knows why, honestly? And that now she wasn’t going to apply us for it because “oh it’s full now”. So NY Rising decided that, before they’d do anything, they wanted us to give THEM the money that was still sitting in those pre-lawsuit paper checks that went old immediately. The government decided that we either had to magic the money of an un-cashed check out of thin air or else it was up to us to: 1, get them reissued, 2, get them deposited by the mortgage company, and 3, somehow get the mortgage company to issue that money to New York Rising.

And they wanted all this done in less than a week because they decided this in the last phase of our approval process and there were other deadlines really close. …Needless to say, the mortgage company was like “lol um nah” even to the theoretical idea of giving the money to NY Rising for the repairs, nevermind the hassle of getting the checks reissued by the flood insurance company with an active lawsuit ongoing.

New York Rising only said “too bad, figure it out yourself and PS because you’re not in this program anymore, we won’t give you the continued rental assistance, why aren’t you done rebuilding your house yet?” Meanwhile, we were waiting on them for months because they told us it was just waiting for the paperwork to go through.

Meanwhile, we had a new jerk of a builder/flipper neighbour. He’d bought the house next door to us when the family with the new baby decided it wasn’t worth waiting so many years to have their own house fixed. Let’s call him Fish Head. He decided to have his building supplies delivered to our neighbour’s yard WITHOUT her permission because there wasn’t enough room on his property. Straight up, he had a whole pallet of building supplies just dumped on her yard. She complained, obviously, and her husband threatened to call the cops. So he moved his shit to to OUR yard because we happened to not be there that day. It took WEEKS to get him to move the shit, even WITH calling the cops.

Turns out, cops don’t give a shit if someone puts hundreds of pounds of building materials on your yard. They’ll tell you you’re well within your rights to move it yourself but if you don’t have a forklift or a whole team of burly humans to assist you in the move then too bad so sad.

Thanks, Fish Head.

But back to the housing. We were months overdue on the rent because we were “just waiting for the paperwork to finish processing”. They told us we’d get all the back stuff in one lump payment. They lied and now we were up shit’s creek.

Our scummy landlord finally sent a notice saying “I’ve waited long enough, get out”. So that was… cool. We were able to keep him from coming after the back rent by pointing out that he was a slum lord and that we’d notified him in writing about being a slumlord, but it still meant we had to move out immediately and in a rush. Thankfully, it was May.

So on June 1st 2018, we moved into our RV parked at a local campsite. Three adults, a cat, and a ferret, crammed into an RV that was anything but recreational.

We installed cameras on our house around this point because Fish Head kept having his workers trample all over our property and they kept breaking things and leaving garbage everywhere.

Then the engineer said he thought he could figure out a way to save the main body of our house and raise it, that we’d only have to demolish off the back room and possibly the bathroom in order to raise it. It was another light at the end of a repeatedly lengthening tunnel. So we changed tracks completely and had him start drafting stuff up for us to raise the existing house, rebuilding only the porch.

Now, here’s the thing about the local campsites, we don’t have many of them and they sell out pretty quickly. Especially for the height of the summer. So they didn’t have any of their ‘full hook-up’ sites, AKA the ones that get you electricity and everything, but we had water and a bathroom and a shower facility and the barbecue to cook food, and it was… survivable. Not exactly comfortable but survivable.

We started doing the work to repair the house instead of following the line of thinking of rebuilding it. We cashed in everything we could and scraped together every scrap of money we possibly could, we sold things, we asked for help where we could, we got a very understanding contractor to give us the lowest prices we could. We managed to get the mortgage company to pay out some of the Tropical Storm Irene money directly to the contractors. Remember that guy, wayyyy back in 2011? And the mortgage inspector who missed a pre-Sandy inspection by a week? Yeah. They still had that money. So even though it was technically Sandy damages as we’d already done the work from Irene, we managed to get them to pay that out. But WHATEVER. It got it paid.

We had a looming deadline from New York Rising that they wanted the house raised by December 31st. Or at least that they wanted it lifted and pending the new foundation. They call this ‘cribbing’ and it basically means your house goes up on Jenga Towers and that you can’t live in it for a while until the foundation is done and it goes back down. So we had to somehow make that happen. But first things first, the campground was closing for the season and we had to have a place to live.

On November 1st 2018, we were able to move back into our house.

Temporarily, at least, while permits and construction drawings and everything went through for getting the house raised.

So we applied to the mortgage company to get the remaining $40,000 that they had from Tropical Storm Irene, the full final payout. And, amazingly, we got it. In it came and went right back out it went to the contractors who were supposed to be working on raising the house because that December 31st deadline was still looming.

Then Fish Head who we keep running into issues with, FINALLY got a stop work order on his house for not having the right permits. Serves you right, Fish Head. But, in retaliation, he decided to lie to the building department that we were living there without utilities? Somehow? When we literally had all our utilities? And had gotten the “90% complete” inspection from our mortgage company? So THAT was a whole mess to try to straighten out. When we met with the head of the building department, he literally turned to the guy next to him and said “See, remember I told you about this guy? This is the retaliation I was telling you about” because he was the guy who had personally signed the stop work order on Fish Head.

So the next big concern was that December 31st deadline. Everyone kept debating whether or not New York Rising would extend it at the last minute again (as they’d done that once before), and we started scrambling to try to find somewhere to live while the house was raised. Ideally, we were looking for somewhere that WASN’T the cold tiny RV in the middle of a New York winter. We applied to a few apartments but because we were paying the mortgage and everything our debt to income ratio didn’t qualify.

On December 24th, 2018, we got the $250,000 check from the flood insurance company with our name and the mortgage company’s name. It seemed like a Christmas Miracle. So we immediately sent it over to the mortgage company so they could cash it and we could apply to have those funds released, remember, our house was FINISHED and HABITABLE, except for needing to be raised per the new flood zoning stuff. At the very least, we had the 90% inspection, and on our next inspection we got a 99%.

So we immediately started applying for the final permits for getting the house raised and my grandfather’s house demolished. The lady at the building department is… nice but not very organized. So we had to deal with the town jerking us around with the permits taking forever to get done, well past the time estimates they tell you on the phone when you call and ask about time estimates.

We rushed to have our disconnects done. Water, electric, sewer. The house was all wrapped up in a pretty bow ready to be raised. We moved into a hotel. All we needed was the final elevation permit and the money from the mortgage company.

So back to the mortgage company and that $250,000. The mortgage company denied the payout 3 times saying, “Oh we don’t have… this paper or that paper” for papers we had confirmation they had. The guy on the phone one time when we were like “….We submitted that one on x date while speaking to Z employee”, he tried saying, “Oh this fax isn’t legible…” and we were just like “…FAX… you mean the scanned in PDF we submitted via your web upload?” And he was like “…Oh. hold please…” and suddenly he could read the form. Magic. So basically they were just LYING to us. Why? Fuck knows.

Then it was, “Everything is fine and it’ll be issued in 3 days” on the 23rd. And we got the elevation permit! And the demo permit on my grandfather’s house! Everything was rolling along and it was all going to be fine! Right?

Not so fast.

On the 31st we still had no check. We called and it was, “Oh it has to go to this other department because it’s over $70,000, but everything is approved and they’ll issue the check in 5 to 7 days, HONEST”.

We called back on the 5th and THAT lie had turned into “Oh well… we sold your loan effective the 4th, you’ll have to ask the new guys”. The mortgage company SOLD OUR LOAN to another company WHILE our payout was “APPROVED AND SENT TO THE CHECK ISSUING DEPARTMENT”.

We called the new guys who told us, “Oh we don’t even have a ID NUMBER assigned for your loan yet, call back in a week to get your loan number and then it’s another week until we can even see your funds and start your payout claim oh and we probably need to schedule our own inspection.”

So it’ll be easily a month OR MORE before we get the money.

We are trying to expedite this whole process as best as we can. We managed to get the ID number in only 4 days. They seem to be arguing with themselves about whether or not they need a whole new inspection or not.

Meanwhile, we only really had the money for the hotel for the lift time but all the disconnects have been done (there is no heat, water, or electricity) so it’s not like we can just go BACK HOME during the delay either.

We have $250,000 on the way and we’re about to be homeless. Again. For the third time in 18 months.

If we can just get $5,000, we can pay to have the house RECONNECTED AGAIN to everything so we can wait these fuckers out and get the payout.

Every little bit helps.

Please.

The other option is living in the RV again just to have a roof over our heads. But unlike last time when it was warm, it is February and we are in NY. It snowed yesterday. RVs aren’t designed to keep warm when there’s snow out.

Please help me and my family stay in a house.

My paypal link is here: http://paypal.me/mihaelkai .

I am also taking a limited number of 1000 word or less commissions! That’s about the limit of what I can handle committing to right now! DM me for details!

(Mutuals/Friends: If you can’t donate but you can loan us some for two months or so, we can pay you back as soon as we get that check? Please let me know if it is a donation or if you would like to be paid back so I can keep a record.)

[unfolded73]

This Graceful Path (16/19)

Summary: Emma has just moved in with Mary Margaret and started working as a deputy in the Storybrooke sheriff’s department when she meets Killian Jones, the town’s introverted harbormaster. When a prominent Storybrooke resident is found murdered, Emma tries to juggle solving the case with new friendships, parenthood, and romance. A Season 1 Cursed!Killian AU.

Rating: Explicit per CSBB guidelines (violence, sex); more of an M on unfolded73’s scale. The sex, when we get there, is not extremely graphic in nature. Same with the violence.

Content Warning: This fic contains two major character deaths, one canon and one not. (You’re already past them.)

Total word count: ~ 75,000

Acknowledgements: Thank you to @j-philly-b for betaing this monstrosity. Thank you to @caprelloidea  for all of the read-throughs and cheerleading; not sure I could have written it without your excitement early on. Thank you to @teruel-a-witch for the original prompt on tumblr which sparked this fic. Thank you to @pompeiiablaze for the wonderful art which accompanies Chapters 3, 9, and 16. Thanks to the CSBB mods ( @sambethe in particular, who had to look at my check-ins) for your support and for enduring my neuroses.

ART! The third and final of @pompeiiablaze‘s fantastic art pieces accompanies this chapter and is included below in the text. Go give her some love.

1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | 13 | 14 | 15 | 16 | 17 | 18 | 19 – AO3 Link

Chapter 16

Emma looked at Killian, doing her best to harden her heart against the feelings she harbored. He was still in the same black jeans and black button down shirt he’d been wearing the day before, boots still on his feet. Two empty fifths of rum lay on their sides on the floor. “Jesus, Killian, did you drink all night?”

“Funny thing about being the Dark One,” he said, heaving himself up into a sitting position. His hair was a disheveled mess, as if he’d been unable to keep his fingers out of it. “Dark Ones don’t sleep. Also, apparently, they don’t get drunk.” He kicked one of the bottles, sending it spinning across the floor until its progress was arrested by one of his bookcases.

“Bummer. Look, I don’t mean to interrupt your… whatever this is, but I was hoping you would help me.”

He laughed a full-throated chuckle. “Why would I do that?”

“Because I think you still care about Henry’s well-being. The first thing you asked me after the curse broke was whether Henry was okay, and I believe you really meant it.”

He twitched, running his hand through his unwashed hair. “I don’t want anything bad to happen to the lad, that’s true.”

“Then help me with Regina.” She stepped closer. She knew she should be afraid that he would hurt her; he could probably kill her with a thought, but for some reason, she trusted that he wouldn’t. Perhaps only due to his lingering interest in Henry’s well-being, but whatever the reason, she trusted him that far.

“I get that what happened between us is over,” she said, keeping her voice remarkably steady, given the way her stomach was roiling. “But you’re the only person in this town that can stand up against Regina without getting a fireball in the face. I need to make sure she isn’t going to hurt anyone I care about, but also, Henry misses her. He doesn’t want to admit it to me, but I know he does.”

“Children can have complex feelings about abusive parents. The desire to please them doesn’t go away just because they beat you.”

Emma eyed him speculatively; he seemed to be speaking from experience. “Okay, but I don’t think she ever did anything like that.”

“Was she not gaslighting him to convince him that there was no curse?” Killian asked.

Emma sank onto the armchair next to Killian’s sofa. “Yeah, she was.” She put her head in her hands. “Look, if this was the regular world, I’d sue her for custody, and I’d take him as far away from her as I physically could. And it would be hard for him, and he’d probably grieve for her, and then he’d get better. But in this fucked-up fairy tale situation, that isn’t really an option. I don’t know what else to do. If he wants to see her, if he wants us to share custody, and I can be certain that he’s in no danger…” She shrugged helplessly, thinking about how sad it was that even after getting her heart broken, her instinct was to open up to Killian, to trust him.

He was looking at her with the same softness in his eyes she used to see before everything went to hell. It made her stomach swoop. “I’m sure you’ll figure it out, Swan. I’ve yet to see you fail.” He twitched again and looked angrily over his shoulder. “Get out of my head!” he shouted at the wall, his voice ragged.

“Killian?”

His hand was in his hair again, his eyes flickering with madness. “The darkness. It’s always there, whispering. Plaguing me.”

“You never wanted this, did you?” she asked softly, wanting to reach for him but resisting.

“I was hardly in my right mind when I killed Rumpelstiltskin,” he said. “Not able to make a conscious decision to take on the darkness. I had always hoped…” he trailed off.

“What?”

“I spent so many decades in Neverland because I wanted to find a way to kill the Dark One without the darkness transferring to me. Immortality was never my goal. Power was never…” He whirled again. “Begone, imp!” He picked up the other rum bottle and flung it at the wall, the glass shattering like a bomb. Emma jumped.

“Forgive me,” he muttered, waving his hand and making the shards of glass disappear in a puff of smoke. He turned to her again. “I will help you with Regina. Just tell me what you would like me to do.”

~*~

Regina opened the door to the library cautiously, the paper still covering the windows preventing her from seeing what she was walking into.

Emma Swan stood in the middle of the floor, her arms folded across her chest. Captain Hook, the Dark One, sat on top of the circulation desk.

“What the hell is the one-handed wonder doing here with you?” Regina asked.

“I’m here to as an impartial observer to this parlay, your majesty. Don’t mind me,” he drawled, his boots kicking against the desk.

Emma cleared her throat. “You tore my family apart, Regina, because of a mistake that my mother made when she was a kid. I spent my whole life alone because of you, assuming my parents abandoned me. Can you just tell me why?”

Regina felt a swelling of pain in her chest, a feeling that she knew how to quash before it affected her. Today, for some reason, she let herself feel it. She let herself name it: guilt.

“I was blinded by grief,” she said honestly. “I’d lost my first love, Daniel; he was murdered in front of me by my own mother.”

“So why not go after your mother?” Emma asked.

“Oh, she did,” Hook said, cleaning his fingernails with his hook. “Hired me to kill her. Good times, eh, Regina?”

“And why blame Snow? I know she made a mistake, but—”

“Because she never had to suffer the way I had suffered!” Regina shouted. “Everything fell into her lap, without her having to work for it! Her father’s love. Her kingdom. Her true love. She needed to understand what suffering was!”

“Well, I’d say she does now.” Emma stared baldly at her, remaining impassive. “Tell me something else — did you kill Graham?”

Regina looked back and forth between Emma and Hook, cold fear crawling up her spine. If the Dark One was at Emma Swan’s beck and call, then Regina was in danger. “I was afraid he would make you believe in the curse.”

“Or you were pissed that he dumped you, and you wanted revenge,” Emma said.

“You need to understand something about the Dark Curse, Miss Swan,” Regina said. “It didn’t just curse everyone else in this town, it cursed me too.”

“What are you talking about, you remembered everything. You knew who everyone was; you weren’t cursed,” Emma protested. “You’re the curser, not the… cursee.”

“True, but I was also frozen. Stuck. Living the same day again and again, at least until I adopted Henry. Henry was like a spark of magic that came into my life in this land without magic.” Regina swallowed with difficulty. “Even then, I couldn’t really move forward. I couldn’t get over my grief for Daniel. I couldn’t move past my desire for vengeance.”

Emma raised an eyebrow. “And now you can?”

Regina felt tears behind her eyes, barely recognizing the impulse to cry at first. “I don’t know. Right now, I just want to be able to see Henry again.”

“And he wants to see you. He wants us to find a way to compromise on custody.”

Anger swelled in Regina’s chest like a fire suddenly given air. “You gave him up. Legally, he’s my son.”

“And legally, you just confessed to killing Graham,” Emma countered.

“Something you’d never be able to convict me of in the courts of this land. Nor could you hold me for it.”

“I know that. Which is why we need to work out what’s best for Henry in this fucked up situation, regardless of the past. Now that the curse is broken, he wants both of his mothers. But I need some assurance that you aren’t going to try to hurt me or my family ever again. That you’re going to let the people of this town live in peace.”

“The people of this town tried to kill me, if you’ll recall.” Regina could still remember how helpless she felt with no magic and Dr. Whale’s fingers tightening around her throat.

“I think everyone’s settled down,” Emma said.

“And if an angry mob does come after you again,” Hook said, “you can rain fire down on them.”

“No, don’t do that,” Emma said with a glare at both of them. “No one is going to rain anything down on anyone. Peace, remember? Regina, do I have your word?”

Hook snorted, indicating how much he thought her word was worth.

Regina suddenly felt determined to prove him wrong.

“You have my word that I won’t do anything to hurt your family or anyone else in this town,” she said through gritted teeth. She turned to Hook. “You can put it in one of those infernal contracts Rumpelstiltskin was so fond of drawing up.”

He jumped off the desk, swaggering up to her. “I’m not much for paperwork. Just know, Regina, that if you do go back on your word, then I will delight in tearing you apart piece by piece if it’s the last thing I ever do.” Regina looked into the madness in his eyes, and she knew he meant it.

“Okay, good meeting,” Emma said.

~*~

Emma’s life began to once again resemble something of a routine. On weeks when she didn’t have Henry, she threw herself into work: dealing with the town’s more mundane, petty disturbances and trying to bring the station’s record keeping system into the 21st century. She even enrolled in an online course in law enforcement, figuring if she was going to be the sheriff, even of a magically created town filled with fairy tale characters, she’d prefer to know more about what she was doing.

On alternating weeks, Henry stayed with her at the loft with her parents, and that added getting him off to school, making sure his homework was done, and ensuring that he ate something resembling a balanced diet to her already busy days. She wouldn’t have traded it for anything though, the hours she got to spend with her son. The two of them invested in an old Xbox which she figured out how to wire up to Mary Margaret’s even older TV, and they killed time on the weekends fighting aliens together and eating popcorn. After all, she couldn’t be a responsible mom all the time.

Gradually, she allowed herself to let her walls down around her parents, as day by day they got to know each other properly. A kernel of resentment that they had given her up stayed nestled deep down in her heart, but weekly meetings with Archie were helping her to accept that sacrificing the happiness of their own family for the sake of their kingdom was who they were.

Her contact with Regina was brief; outside of the weekly handoff of Henry and an occasional professional call from the mayor’s office, they didn’t interact. Still, she saw no evidence that Regina wasn’t walking the straight and narrow, and her parents even grudgingly admitted that Regina seemed to have turned over a new leaf.

Spring began to awaken in Storybrooke. Trees started to bud, and grass began to look more green than brown. Emma felt like she would be happy, genuinely happy, if it weren’t for the way her thoughts strayed so often to Killian. She tried to be subtle when she inquired if anyone had seen him, but all she got in return were knowing, sad looks and shrugs. He hadn’t visited the diner, Ruby told her. He wasn’t living in his apartment, Billy said. There’d been no sign of him anywhere around the docks, said the fishermen. Emma began to wonder if he’d found some way back to the Enchanted Forest, he had so effectively disappeared from Storybrooke. It didn’t stop her from remembering his voice and his smile and his touch with disturbingly perfect clarity.

“I was thinking of getting my own place,” she mentioned to Henry one Saturday morning, as the two of them lazed around in their pajamas in front of the Xbox.

“Why?”

“Well, it’s kind of crowded here, especially when you’re staying over. Wouldn’t you like to have your own bedroom?”

“Sure,” he allowed. “Hey, what about Killian’s old apartment? If he’s not living there anymore, maybe you could live there.”

Her heartbeat sped up. “No way.”

“Why not?”

“It’s only a one-bedroom,” Emma said.

“That’s not why,” Henry responded, narrowing his eyes. “You still have feelings for him. You miss him too much.”

“Who’s suddenly an expert in adult relationships?”

Henry looked smug at that. “You didn’t deny it.”

Emma’s avatar on the screen died in a flash of gunfire, and she set her controller down on the coffee table. “It doesn’t really matter if I miss him or not. The guy I knew wasn’t real.”

Henry rolled his eyes. “Come on, you’ve gotten to know enough people in this town to understand that their cursed personalities and their real personalities aren’t that different. And Killian was nice.”

“Okay, but there’s also the little matter of him having killed someone. And being the Dark One now.”

“I know, but he didn’t mean to become the Dark One. He was confused like Graham was.”

Emma frowned. “How do you know about that?”

“He talked to me about the storybook before he died, remember?” Emma wasn’t sure if Henry knew of Regina’s responsibility for Graham’s death and she certainly wasn’t going to bring it up now, not with the uneasy peace they’d forged. She didn’t think she’d ever let herself forget it, though. “Graham’s memories of the Enchanted Forest were starting to bleed in, but it was all confused and mixed up in his mind. He was, like, going insane.”

“I know.”

“So the same thing was probably happening to Killian!” Henry proclaimed. “I bet he had all these mixed up memories in his head, confusing him, making him crazy. Then he saw Mr. Gold, and the memories took over. It wasn’t really his fault, killing Rumpelstiltskin and becoming the Dark One. He’s, like, not guilty by reason of insanity.”

“How do you know about his past with Rumpelstiltskin?” Emma asked, frowning. “That stuff isn’t in your book.”

“I know. Mom told me. Did you know she and Captain Hook knew each other in the Enchanted Forest?”

Emma felt a stab of jealousy. “Yeah, I gathered. Anyway, he’s gone, so…”

Henry blinked at her. “No, he’s not, he’s in that old mansion at the edge of town.”

Emma sat up suddenly, accidentally kicking the coffee table and knocking a cereal box off of it, the little colorful hoops spilling out across the floor. “What mansion? And how do you know?”

Now he was back to looking smug. “Mom did a locator spell, I think because she wants to keep tabs on the Dark One. I saw the map she was using after she was done. That’s where he is.”

~*~

It’s my responsibility as the sheriff, Emma told herself as parked her squad car in front of the mansion. I should know what the resident Dark One is up to. Or do a safety check. Yeah, that’s what this is, a safety check.

There was no response to her knock. Finding the door unlocked, Emma cautiously went inside.

The mansion showed every sign of having been long abandoned, cobwebs in the corners of the sumptuously wood-paneled entryway. Emma made her way into what appeared to be some kind of formal parlor, seeing no sign that anyone was living here. As she turned around to continue her exploration in another room, there was a puff of red smoke and Killian appeared before her.

Pressing her palm to her racing heart, Emma stepped back. “Jesus, Killian, you scared me.”

“That was my intention, Swan. What are you doing here?” His voice sounded raspy with disuse, and he looked terrible. His eyes looked sunken, his skin sallow. He still wore black jeans and a black, button-down shirt as if it were some kind of Dark One uniform. His hair was greasy and unkempt, and it had grown longer so that it curled in little tufts around his ears.

She swallowed uncomfortably. “I heard you were living up here, and I came to check and make sure you were all right.”

“I’m immortal; what kind of danger do you think I would have gotten myself into?” He disappeared and then immediately reappeared on one of the room’s high-backed chairs, one of his legs thrown over an overstuffed arm.

Emma raised an eyebrow. “You need magic to move three feet and sit down?” He shrugged in response. “What is it that you’re doing up here, exactly?”

“Oh, what am I not doing, Swan? Musing on all the mistakes I’ve made in my long, long life. Remembering every time I stabbed that dagger into the Crocodile’s fragile flesh. Remembering my beloved ship, lost to me forever in another realm.” He waved his hand, and Emma felt a sickening tug as red smoke enveloped her. When her vision cleared, she realized they were in another room in the mansion — a library of sorts. Killian stood over near one of the heavy-curtained windows. Books littered the floor and every available flat surface in haphazard piles. “All this power, all this knowledge at my disposal, and there is no way for me to leave this realm and get back to my own.”

“I think you need a more productive hobby,” Emma said. “You need to stop isolating yourself up here, for one thing.”

He disappeared again, materializing at her side. “You don’t want that,” he sneered, his eyes flashing with madness and pain. “You don’t want this darkness anywhere near your family. Anywhere near you.” In spite of his words, he swayed closer to her, like he couldn’t help himself. Emma inhaled, smelling his sweat and the ozone left behind by his magic.

“So you’re planning to stay holed up in his mansion… what, forever? Until someone finds that dagger and stabs you, and the cycle begins all over again?” she asked. His eyes flicked from her eyes to her lips, over and over, and she couldn’t tell if he’d even heard her. “Killian?”

“The darkness lies,” he whispered, as if by keeping his voice down, he could prevent it from knowing his thoughts. “It tells me you used me. That you hate me. That I never loved you.” His hand reached out and gripped her arm. “Why is it so afraid of you?” he asked in an even softer tone, such that she could barely make out the words even as he spoke only inches from her face.

Emma had no idea how to respond. “I don’t know.”

Killian drew closer, his knee bumping into hers, his wrinkled shirt brushing against her breast. “I think of you every hour of every day, Swan.” His breath was hot on her face, his hand trembling where it gripped her arm hard enough to bruise. For a moment, Emma thought he meant to kiss her, but then just as quickly he disappeared again, reappearing at a safer distance away.

“You should go,” he muttered. “You should leave and never come back to this place. This is my tomb; leave me alone to rot in peace. It’s what I deserve.”

Shivering at the hopelessness in his voice, Emma reached into her pocket and drew out the silver chain she’d removed from an old evidence baggie that morning. “I wanted to give you something that we found several months ago near… near where Gold was killed.” She held it out, letting the ring at the end of the chain swing like a pendulum. “I thought it might be yours, ripped off in the struggle when…”

Killian walked closer to her, his eyes focused on the ring. “Liam’s ring. I assumed it was lost forever.”

“Liam?”

“My brother.” He flicked his wrist, and the chain disappeared from her hand and reappeared in his. “I wore this from a young age; I believed it was what kept me alive.” His eyes closed, his face a mask of pain. “Since I lost it the day I became the Dark One, I suppose that was true.”

“You’re still alive, Killian. Even with all this darkness inside you, you’re still alive.”

He shook his head sadly. “Goodbye, Emma Swan.” With another flick of his wrist, Emma once again felt a nauseating tug, and the next moment she was standing next to the police cruiser outside, alone.

~*~

He sat still in the high-backed chair, as still as he possibly could, as if he could make every process in his body slow and slow and slow until his own heart stopped beating in his chest through sheer force of will. The few streetlights outside he’d extinguished weeks ago, and the moon was new, making the room completely dark. A mere mortal would have struggled to make out the barest outlines of the cold hearth, the dusty furniture, and the lonely man sitting in his lonely mansion.

“Hello, Dearie,” sang a familiar voice. Killian ignored it. It had almost become background noise at this point, like the rush of blood in his veins, the rhythmic beat of his heart, the occasional noisy insect chirping outside the window.

(x)

The avatar of Rumpelstiltskin sat in the twin of the chair Killian occupied as if they were two men enjoying the warmth of the fireplace, but no fire burned. It crossed one leg over the other, propping its head against a gnarled fist, and regarded him impassively.

“Do you think you’re the first Dark One to try to nobly isolate yourself to protect those that the weak, human version of you once cared for?”

“Can��t say as I bloody well give a damn,” Killian said out loud.

“You aren’t. And so I can tell you with absolute certainty, it won’t work.”

Killian clenched his teeth and didn’t respond.

“The darkness needs to feed. It needs suffering and chaos and blood. And you will give it that.”

“I won’t.”

The apparition laughed, slapping its knee in delight. “A pirate who ransacked and whored his way across the realm, the very definition of weak and self-indulgent, is going to resist the pull of darkness that no one in thousands of years has resisted?”

When Killian again didn’t respond, the creature arose with oily, reptilian grace and approached, leaning close to Killian. He exhaled, his fetid breath making Killian want to retch. “The darkness will have you, and you’ll realize that Rumpelstiltskin was a paragon of virtue compared to someone like you. Everyone you think you love, you’ll destroy. You’ll torture and murder and rape until nothing good is left of this town.” It paused, running its tongue over yellowed, ruined teeth. “And you’ll love it.”

Killian reached out with his hand for the creature’s neck, but it dissolved in front of his eyes, leaving nothing but silence and blackness in its wake. Shoulders drooping, Killian bowed his head in defeat.

Chapter 17

[kaikhaos]

The Hurricane Sandy Saga: Feb 2019 Edition

So here’s the story of my life since October 28, 2012 and all the chaos that has come with it. This is not a happy story, so far, but I’m hoping you guys can help make it one, or at least help prevent a bad end. This is a story of corrupt banks, government bullsh*t, and a 25 year old disabled trans queer who just wants to go home. Over the next five thousand words, I hope you realize the extent of how life has repeatedly NOPED at any sense of logic. At the end of my story, I’m going to ask you to help me out if you can and to spread the word either way.

The tl;dr version is that my family is facing homelessness for the fourth time in eighteen months and I really need you guys’ help to get us back into a stable situation so this never happens again. The mortgage company has screwed us yet again and is holding on to $250,000 that is supposed to be ours. So while we own one house and one newly demolished lot, we have nowhere to live. If you can at all help out, please do. My paypal link is at the big PLEASE HELP button at the top of my page on desktop as well as pinned to both of my twitters (MihaelKai & HedonistInk) and I’ll also be regularly reblogging a version of this post here WITH the link.

My name is Aleks. This is my story.

First, let’s get one thing out of the way: I’m disabled. I have been legally recognized as disabled since I was 18. I have a combination of mental health issues and physical health issues that make it so my capacity on any given day varies greatly from “I made it through a day at a con thanks to lots of painkillers!” to “I brushed my teeth today and didn’t cry doing it!” But I try. Anxiety, depression, C-PTSD, & ADD are just a few of the things I’ve been diagnosed with by my therapist and psychiatrist, paired with diagnoses from my doctors of migraines, fibromyalgia, and a degenerative connective tissue disorder known as Ehlers-Danlos that all combine to leave me in fairly constant pain basically everywhere. My brain and my body attack me constantly but I still try to do what I can. Unfortunately, it means I can’t just go out and get a 9-5 or retail job to help fix my situation. I can only do what I can do and I have to know my limits.

I live with my mother and my QPP Luca who are both also disabled.

You may know in 2012 we were hit by Hurricane Sandy. If you don’t know that, you’re about to find out. We had six feet of water in our house and my grandfather’s house next door (AKA: my inheritance) floated off of its foundation and was straight up condemned. Ever since then, life has been, in a word, chaos. It’s gotten to be a theme in our house that if it can go wrong, it will go wrong. Even my therapist has given up on making any kind of treatment plan and is basically just focusing on damage control. And honestly, at this point, I just wanna go home.

But Aleks, it’s been seven years, why aren’t you home yet? Oh boy, I am SO glad you asked. Let’s get into this history.

First, a prequel. I’m not rich, my family isn’t rich, but we get by. Our house wasn’t big, but it was beautiful. In 2006, my mother bought two tiny houses next door to each other from an old man who wanted to sell them to a family the way he’d grown up in the smaller house while his parents lived in the other house. The one house was a six hundred square foot bungalow that would become my grandfather’s and its neighbor was a seven hundred square foot house that would become mine and my mother’s.

Our house was gorgeous and cute. Built in the early 1900s by a tinsmith with scraps from all of his jobs, all of the walls were tin instead of sheetrock or plaster, the floors were gorgeous hardwood, and the three bedrooms were each under a hundred square feet. It was tiny but it was ours.

On August 28th, 2011, that house was hit by Tropical Storm Irene. Our house was flooded by two feet of water on the first floor. The Atlantic Ocean took out our floors, cabinets, appliances, electrical outlets, the bathroom tile, and the furniture, not to mention rusting the heck out of the bottom of the tin walls. It took six months to get the final eighty thousand dollar settlement out of the insurance company.

The check was deposited by the mortgage company who said they would hold onto it and dole it out as we hired contractors or finished repairs. But here’s the thing: The settlement barely covered enough for the supplies, so we maxed out credit cards and depleted personal savings and finished our repairs a few months later with the help of very few contractors and a lot of DIY.

We installed our kitchen appliances as the last step and called the mortgage company that day to ask them to come and inspect and verify the repairs were done so they could release the other seventy thousand dollars that they were holding onto. They said they were backed up and that they would come and inspect in a month.

Our new stove was 22 days old when Hurricane Sandy hit us.

Where Irene was manageable, Sandy was devastating. My grandfather’s house floated on the storm surge and landed three feet away from its foundation. The legs of our lawn table were bent and sticking out from under the house like the damn wicked witch or something. Our house on the other hand shifted by an inch. Not much, you’d think, but enough to break every pipe in the house and damage the entire structural stability of the house.

The town building department condemned my grandfather’s house and wrote ours up as “more than 50% damaged”.

Needless to say, both houses were left completely and totally uninhabitable.

The mortgage company inspector came and said because everything was wet and ruined that they “couldn’t certify the repairs were completed” even when we were standing there with a stack of receipts and before and after pictures, clearly proving everything had been replaced since most of the materials had been changed. So they decided they wouldn’t release the $70,000 they were holding onto from Irene until the new SANDY repairs were done. Even though we’d already spent that money on repairs and run up debt because of it, they decided they were just going to hold onto it for longer.

And honestly? Fuck those guys. They are the root of some of the most evil parts of this, as you’ll see.

So back to the Sandy damages. First, the insurance company offered us a FIFTEEN THOUSAND DOLLAR damage assessment. Fifteen thousand bucks when we had six feet of water in our house. For perspective, fourteen months before Hurricane Sandy, Tropical Storm Irene sent 24 inches of water into our house and the insurance company gave us eighty thousand dollars to make those repairs. So yeah, fifteen thousand wasn’t gonna do it. The construction estimates for the repairs were coming in around two hundred and fifty thousand.

So, of course, we appealed. Our engineer said parts of the house were outright dangerous from the damage and had to be torn down and replaced. We told the insurance company this and they told us they would send their own engineer. And… well… they sent SOMEBODY. Was that guy a licensed engineer? Nope. Did they tell us he was? Yup.

So then we appealed to FEMA. The judge from FEMA told them outright to send a LICENSED engineer in his decision and left it at that. So then they did. This guy now said he thought fifty thousand was gonna do it. The insurance company looked at his report and went “mmm… so how about thirty thousand?”

So… no. So then we had to hire a lawyer and took them to court. We weren’t the only ones, thousands of people had to file these lawsuits. The lawyer told us not to let the mortgage company cash the $30,000 of checks we’d been given for the storm so far because it could be argued to be us agreeing to that number. He said we just had to WAIT. So the checks got too old to cash.

The Visiting Nurse Service started sending a therapist to our house once a week for each of the three of us to help with “Hurricane-Related PTSD”. Yup. Cool. On top of my regular C-PTSD. Awesome. But the guy was nice and having therapists to talk to twice a week (my regular one and this guy) was helpful. And he gave me some worksheets that helped me kind of have more of a tool kit. Everything still sucked but hey, we all trudged on.

Pretty sure this was around when the first roofing shingles started falling off of our rental house. We told the landlord that this was a problem and that the property was going to start getting leaks in the roof. We pointed out that it said in our lease that he was supposed to fix this little ‘issue’.

Repeatedly.

Including in writing and by sending him photos of the slowly growing stack of shingles that were not on the roof anymore and the leaky window.

And he still did diddly squat about it.

For five years.

Meanwhile during this whole… process, New York State started the New York Rising program to help rebuild the houses who were tied up in lawsuits like ours or who didn’t have insurance like my grandfather’s. We applied right away. It seemed like an answer!

…So then uh… New York Rising LOST our file.

…Uh… Twice.

And when they finally DID decide to properly process our application, they gave us a grand total of $88,000 and put us in the ‘Build a whole new house’ category. Our house is, as I said, under 900 square feet in size. You literally cannot build a house in our area for that price at that size. Especially when it’s a property that needs 14 foot deep helical pilings and a nine foot high foundation to comply with current code. The foundation alone is $50,000. The lowest estimate we found from any construction company after no less than TEN bids was $180,000 NOT counting the architect who’s another $15,000. NY Rising expected us to be able to rebuild for a fraction of that. So we started looking into finding other financing possibilities while waiting on the lawsuit to continue going through.

We decided to hire our neighbour’s architect because he was something resembling almost affordable. We gave him a deposit. …A few weeks later, he had a heart attack while leaving the building department’s office. …A few weeks after that, he started being investigated for embezzling money from his clients.

At this point, we’d been out of our house for years. And more and more shingles kept falling off of the roof of the rental. Then a siding tile fell off too because the landlord’s son’s landscaping company crashed a lawnmower into it.

We started looking at houses to buy so that at least we would own something.

Then my grandfather (who had been a major contributor to our household finances) had a severe stroke. Six months later, he died. Suddenly we were $3,000 tighter per month. The possibility of buying a house went out the window. But we made do as best as we could.

FEMA was paying for the rental house we were living in while going through all of the appeal and lawsuit procedures and, when we hit their funding cap, New York Rising’s IMA program stepped in to pay “whichever is less, your rent or mortgage”. It still meant higher costs as the rent around here is more than our mortgage, but it made it so we could get by.

The one silver lining was that once my grandfather was out of the picture (since he’d been living with us in a shared rental since Sandy), I was able to start on testosterone injections. January 28, 2015, I was able to start my injections and officially begin the medical side of my transition.

Then New York Rising hit a cap on IMA funding. Which… sucked pretty fucking hard because then there was a few thousand a month more money we had to find to shell out. But then the program was extended and that was awesome.

Then our cat, Pickles, developed severe kidney problems. She was my best friend since the day she showed up on our doorstep a week after we bought our house in 2006 and wandered into the kitchen demanding petting. She moved into our lives and never left. I couldn’t give her up without a fight. So I spent all of my savings on her medical bills and started giving her saline injections twice a day every day to help her kidneys flush the toxins they couldn’t handle themselves.

Then the IMA ran out again. So back to the land of suck. They told us we would be eligible for a little more funding. But only if we demolished the existing house.

In order to legally demolish the house, we had to pay for a construction company to do it under their license. New York Rising expected us to be able to demo the house for $5,000. The lowest bid we received was for $9,000. When we told them this, their reaction was essentially “yeah, yeah, we know, just make it work”. Make it work is a cool and funny phrase when spoken by an aging fashion consultant on television. It’s not so cool or funny when it’s being told to you by the people who are supposed to help you fix your house. It is stressful as hell.

Then Pickles got sicker. And sicker. And her at-home dialysis wasn’t enough to keep her going anymore. Pickles passed in May 2016.

In 2017, we finally won our lawsuit. The judge ruled the insurance company had to release a full payment to the policy maximum of $250,000! Those jerks tried giving us $15,000 and the judge was like “Uh… no, this is $250,000 of damage”. Victory! But we were still out our legal fees because, unlike homeowner’s insurance where the insurance company pays the fees, flood insurance is federally underwritten so you’re not allowed to get the legal fees paid for. Some flood insurance companies realized they’d fucked up and as a result agreed to pay for the legal fees. Our flood insurance company… wasn’t so generous. But a check was still generated by the flood insurance company thanks to the judge. Huzzah, light at the end of the tunnel!

…Then the lawyer refused to sign the check.

Apparently our lawyer has had dealings with our mortgage company before and run into the same problem as we had with their “we’ll release your funding at the end” theory. Except for him that meant “we won’t pay out your legal fees until the house is finished” and he didn’t like that. So they wanted him to sign the check over to them and he wanted them to sign the check over to him. They spent years arguing over a piece of paper with some dollar signs on it while we got needlessly further into debt.

Then one of my ferrets, Wasabi, my emotional support animal, got really sick really suddenly.

By the time the vet scrambled to find out what was wrong, it was too late and he was gone. It turned out that he had a rare autoimmune condition caused by heavy metal exposure from the water. His sister survived, but now Lemon was alone and she and I were both devastated. Watching the way she would get excited and then sad any time we brought out a toy with Wasabi’s scent on it broke my heart so I replaced her toys.

A month later, people came knocking on our door offering free water filters if they would let us track the toxic plume of decades old industrial chemicals and waste spreading unhindered through the groundwater supply that had apparently reached us and was contaminating our pipes.

Eventually, during all this, New York Rising started to realize that their $160 per square foot amount just wasn’t enough when it came to houses like ours. So they started a program called the Recon 100 program. The goal of this program was supposed to be that New York Rising would take over the build process, they would hire contractors and architects in bulk, essentially hiring them for ‘bundles’ of 10 or 20 properties at a time to get them to accept a lower profit per house because they would be guaranteed months of solid work. We were signed up into the program.

Now, as a condition of this program, we had to stop doing any work on our own, we’d have to return whatever hadn’t been spent on repairs already, and we’d have to give them any insurance checks. But New York Rising was bragging about how they had programs that would allow you to repay the funding over several years because they knew everyone was using a little bit here or there to make ends meet. And that was all well and dandy because once the repairs were done, the mortgage company would release what they were holding one way or another. They would have to. …Right?

Meanwhile, our rental assistance hit the next cap. New York Rising told us not to worry because once this paperwork was approved, we’d be eligible for a higher cap of extended rental assistance. It was just a matter of waiting for the paperwork to get approved, they said.

Then our caseworker at New York Rising decided she was going to deny our receipts for the funds already spent. And that she wasn’t going to file the appeals to that denial that we explicitly asked her in writing to file.

Then on top of that, we discovered that at some point our NYR caseworker had decided to NOT sign us up for the extended timeline repayment thing because… fuck knows why, honestly? And that now she wasn’t going to apply us for it because “oh it’s full now”. So NY Rising decided that, before they’d do anything, they wanted us to give THEM the money that was still sitting in those pre-lawsuit paper checks that went old immediately. The government decided that we either had to magic the money of an un-cashed check out of thin air or else it was up to us to: 1, get them reissued, 2, get them deposited by the mortgage company, and 3, somehow get the mortgage company to issue that money to New York Rising.

And they wanted all this done in less than a week because they decided this in the last phase of our approval process and there were other deadlines really close. …Needless to say, the mortgage company was like “lol um nah” even to the theoretical idea of giving the money to NY Rising for the repairs, nevermind the hassle of getting the checks reissued by the flood insurance company with an active lawsuit ongoing.

New York Rising only said “too bad, figure it out yourself and PS because you’re not in this program anymore, we won’t give you the continued rental assistance, why aren’t you done rebuilding your house yet?” Meanwhile, we were waiting on them for months because they told us it was just waiting for the paperwork to go through.

Meanwhile, we had a new jerk of a builder/flipper neighbour. He’d bought the house next door to us when the family with the new baby decided it wasn’t worth waiting so many years to have their own house fixed. Let’s call him Fish Head. He decided to have his building supplies delivered to our neighbour’s yard WITHOUT her permission because there wasn’t enough room on his property. Straight up, he had a whole pallet of building supplies just dumped on her yard. She complained, obviously, and her husband threatened to call the cops. So he moved his shit to to OUR yard because we happened to not be there that day. It took WEEKS to get him to move the shit, even WITH calling the cops.

Turns out, cops don’t give a shit if someone puts hundreds of pounds of building materials on your yard. They’ll tell you you’re well within your rights to move it yourself but if you don’t have a forklift or a whole team of burly humans to assist you in the move then too bad so sad.

Thanks, Fish Head.

But back to the housing. We were months overdue on the rent because we were “just waiting for the paperwork to finish processing”. They told us we’d get all the back stuff in one lump payment. They lied and now we were up shit’s creek.

Our scummy landlord finally sent a notice saying “I’ve waited long enough, get out”. So that was… cool. We were able to keep him from coming after the back rent by pointing out that he was a slum lord and that we’d notified him in writing about being a slumlord, but it still meant we had to move out immediately and in a rush. Thankfully, it was May.

So on June 1st 2018, we moved into our RV parked at a local campsite. Three adults, a cat, and a ferret, crammed into an RV that was anything but recreational.

We installed cameras on our house around this point because Fish Head kept having his workers trample all over our property and they kept breaking things and leaving garbage everywhere.

Then the engineer said he thought he could figure out a way to save the main body of our house and raise it, that we’d only have to demolish off the back room and possibly the bathroom in order to raise it. It was another light at the end of a repeatedly lengthening tunnel. So we changed tracks completely and had him start drafting stuff up for us to raise the existing house, rebuilding only the porch.

Now, here’s the thing about the local campsites, we don’t have many of them and they sell out pretty quickly. Especially for the height of the summer. So they didn’t have any of their ‘full hook-up’ sites, AKA the ones that get you electricity and everything, but we had water and a bathroom and a shower facility and the barbecue to cook food, and it was… survivable. Not exactly comfortable but survivable.

We started doing the work to repair the house instead of following the line of thinking of rebuilding it. We cashed in everything we could and scraped together every scrap of money we possibly could, we sold things, we asked for help where we could, we got a very understanding contractor to give us the lowest prices we could. We managed to get the mortgage company to pay out some of the Tropical Storm Irene money directly to the contractors. Remember that guy, wayyyy back in 2011? And the mortgage inspector who missed a pre-Sandy inspection by a week? Yeah. They still had that money. So even though it was technically Sandy damages as we’d already done the work from Irene, we managed to get them to pay that out. But WHATEVER. It got it paid.

We had a looming deadline from New York Rising that they wanted the house raised by December 31st. Or at least that they wanted it lifted and pending the new foundation. They call this ‘cribbing’ and it basically means your house goes up on Jenga Towers and that you can’t live in it for a while until the foundation is done and it goes back down. So we had to somehow make that happen. But first things first, the campground was closing for the season and we had to have a place to live.

On November 1st 2018, we were able to move back into our house.

Temporarily, at least, while permits and construction drawings and everything went through for getting the house raised.

So we applied to the mortgage company to get the remaining $40,000 that they had from Tropical Storm Irene, the full final payout. And, amazingly, we got it. In it came and went right back out it went to the contractors who were supposed to be working on raising the house because that December 31st deadline was still looming.

Then Fish Head who we keep running into issues with, FINALLY got a stop work order on his house for not having the right permits. Serves you right, Fish Head. But, in retaliation, he decided to lie to the building department that we were living there without utilities? Somehow? When we literally had all our utilities? And had gotten the “90% complete” inspection from our mortgage company? So THAT was a whole mess to try to straighten out. When we met with the head of the building department, he literally turned to the guy next to him and said “See, remember I told you about this guy? This is the retaliation I was telling you about” because he was the guy who had personally signed the stop work order on Fish Head.

So the next big concern was that December 31st deadline. Everyone kept debating whether or not New York Rising would extend it at the last minute again (as they’d done that once before), and we started scrambling to try to find somewhere to live while the house was raised. Ideally, we were looking for somewhere that WASN’T the cold tiny RV in the middle of a New York winter. We applied to a few apartments but because we were paying the mortgage and everything our debt to income ratio didn’t qualify.

On December 24th, 2018, we got the $250,000 check from the flood insurance company with our name and the mortgage company’s name. It seemed like a Christmas Miracle. So we immediately sent it over to the mortgage company so they could cash it and we could apply to have those funds released, remember, our house was FINISHED and HABITABLE, except for needing to be raised per the new flood zoning stuff. At the very least, we had the 90% inspection, and on our next inspection we got a 99%.

So we immediately started applying for the final permits for getting the house raised and my grandfather’s house demolished. The lady at the building department is… nice but not very organized. So we had to deal with the town jerking us around with the permits taking forever to get done, well past the time estimates they tell you on the phone when you call and ask about time estimates.

We rushed to have our disconnects done. Water, electric, sewer. The house was all wrapped up in a pretty bow ready to be raised. We moved into a hotel. All we needed was the final elevation permit and the money from the mortgage company.

So back to the mortgage company and that $250,000. The mortgage company denied the payout 3 times saying, “Oh we don’t have… this paper or that paper” for papers we had confirmation they had. The guy on the phone one time when we were like “….We submitted that one on x date while speaking to Z employee”, he tried saying, “Oh this fax isn’t legible…” and we were just like “…FAX… you mean the scanned in PDF we submitted via your web upload?” And he was like “…Oh. hold please…” and suddenly he could read the form. Magic. So basically they were just LYING to us. Why? Fuck knows.

Then it was, “Everything is fine and it’ll be issued in 3 days” on the 23rd. And we got the elevation permit! And the demo permit on my grandfather’s house! Everything was rolling along and it was all going to be fine! Right?

Not so fast.

On the 31st we still had no check. We called and it was, “Oh it has to go to this other department because it’s over $70,000, but everything is approved and they’ll issue the check in 5 to 7 days, HONEST”.

We called back on the 5th and THAT lie had turned into “Oh well… we sold your loan effective the 4th, you’ll have to ask the new guys”. The mortgage company SOLD OUR LOAN to another company WHILE our payout was “APPROVED AND SENT TO THE CHECK ISSUING DEPARTMENT”.

We called the new guys who told us, “Oh we don’t even have a ID NUMBER assigned for your loan yet, call back in a week to get your loan number and then it’s another week until we can even see your funds and start your payout claim oh and we probably need to schedule our own inspection.”

So it’ll be easily a month OR MORE before we get the money.

We are trying to expedite this whole process as best as we can. We managed to get the ID number in only 4 days. They seem to be arguing with themselves about whether or not they need a whole new inspection or not.

Meanwhile, we only really had the money for the hotel for the lift time but all the disconnects have been done (there is no heat, water, or electricity) so it’s not like we can just go BACK HOME during the delay either.

We have $250,000 on the way and we’re about to be homeless. Again. For the third time in 18 months.

If we can just get $5,000, we can pay to have the house RECONNECTED AGAIN to everything so we can wait these fuckers out and get the payout.

Every little bit helps.

Please.

The other option is living in the RV again just to have a roof over our heads. But unlike last time when it was warm, it is February and we are in NY. It snowed yesterday. RVs aren’t designed to keep warm when there’s snow out.

Please help me and my family stay in a house.

My paypal link can be found through the big PLEASE HELP button at the top of my page on desktop as well as will be pinned to both of my twitters (MihaelKai & HedonistInk) and I’ll also be regularly reblogging a version of this post here WITH the link.

I am also taking a limited number of 1000 word or less commissions! That’s about the limit of what I can handle right now! DM me for details!

(Mutuals: If you can’t donate but you can loan us some for two months or so, we can pay you back as soon as we get that check? Please let me know if it is a donation or if you would like to be paid back so I can keep a record.)