Wow. I'm exhausted. Good thing I'd taken today off already. Of course, I had planned to use it to move. But, good things happened today. First of all, I went to the temple this morning, and that really set the tone for the rest of the day. After that, I was able to gather a significant amount of circumstantial evidence that I did not live with my ex when he got evicted. This took almost the entire day. I just finished putting everything together to send off to my lender.
I have come to accept that I am liable for the debt. Also, it's not $3000. I was rounding up, but I didn't realize I was rounding up from $2550. That's still a lot, but I started feeling like a liar. So what I owe is $2550. And anyway, I realize now that legally, this is my responsibility. So I probably will end up paying it. Slowly. I just wish someone for once would hold my ex responsible for something. I should just leave that to God.
My lender suggested I write an explanation letter. Did you know there are examples of such letters online? I typed "explanation letter" in Google and Google told me all about FHA loan explanation letters! Sweet. So I had a good launch pad there. And I think my letter rocks. And if I were an underwriter and I read my letter, I'd give me a loan. And a bar of chocolate.
I think I'm winning again. :D