Just do it!

This is my favorite slogan. It can apply to so many things in life, from exercising to facing unpleasant tasks. It’s funny since it is so easy for me to apply this to my exercise. I’m really good at making myself exercise, even if I don’t feel like it. I know that I will feel so much better after I’m done. But, this is tough for me to do with other stuff in my life.

A few months ago, I read an article in our local paper about checking up on your mortgage discharge and house title. So off I went to call our local Registry of Deeds. I was expecting smooth sailing since we paid off our mortgage years ago. I even have a letter from the lender to prove that.

Well, it wasn’t quite that simple. We refinanced our loan and somehow the refinance never got registered at the Registry. Oops. So, off I went to do more research. It turns out the law firm that handled the refinancing for the bank is no longer in business. As a matter of fact, one of the principals from that law firm is now doing time in jail for mortgage fraud. The bank that carried the loan has been merged multiple times to other banks. Double and triple oops.

I managed to track down the law firm that took over for the original one. I spoke to a very nice paralegal there and explained my dilemma. She was very helpful and said that she would try and get our records out of storage. She cautioned that this may take a while since it was so long ago. A few months go by and I don’t hear anything back, so I email her. She promptly replied back, saying that she has the files, but has yet to go through them.

All of this is very disturbing. I had visions of never being able to sell our house because of a cloudy title. I kept meaning to follow up with the bank that ended up with our last refinanced loan, but I kept putting it off. I was afraid of what I would find out. Silly, I know.

Well, today I called the Registry of Deeds to get all the information I needed on the outstanding loan. Low and behold, all is clear! The last loan was discharged in June of this year. This is because of my contacting the new law firm. I can’t begin to tell you how relieved I am! And to think, I was dreading following up on this for months!

So, my lessons learned from all this:

1. Things are never as bad as you imagine they will be.

2. Just do it!

My next unpleasant task is to tackle the piles of papers in my office. . .

What things have you been putting off because you are afraid of the consequences?

Just do it logo from Guo Guiyan Wallpapers.