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dthom · 07-02-2009, 04:29 PM

Cassie

I will say a prayer for your daughter.

We are still waiting since Jan., yesterday NACA also today me that we need the hardship affadavit and 4506T along with updated proof of income. No mention of new authorization, or home ins, mortgage statement or tax bill. WTH is going on over there. Everyone is getting different information. The rep told me he wanted this stuff so that they could maybe submit for Making Home Affordable. Also said Bank of America, CW is 5 to 6 months behind! At that rate we will lose our house before this is over with!! Maybe I will send in the new tax bill info, Homeowners Ins. Dec page, and a mortgage statement just in case. Better to give them more info than not enough I guess. We have to wait until next Wed. to get a statement from husbands former employer that shows how much he earned in per diem last year. It is non-taxable and non-reportable because of his job as a truck driver. All of the per diem was actually earned income that did not have to be taxed.(meal allowance and allowance in case he had to stay overnight). But since it does not have to be reported by us on tax returns or 1099 we have to show proof whenever someone looks at our household income. It was usually over 12K per year. Afraid that when they see our tax return it will look like we should have never had the house, but they used the per diem when we applied and were approved for this mortgage. I am faxing all info without the statement and will update as soon as we get it.
I was so annoyed at NACA yesterday. I asked why they had not attempted another solution until now, over 5 months after we submitted. Of course rep didn't know. Just said submit the other paperwork and we will see what we can do. I could have applied for MHA months ago and maybe had an answer by now. Meanwhile, I have missed two payments because they won't accept partial payments, credit is now trashed as we have credit cards in collections and charge off and have medical bills that are now 60 days past due, on their way to collections. So we do everything we were told to do by NACA, and now they say, CW/BofA and investor(Freddie Mac ) are not responding so we will see if something else will work! But oh by the way, don't try to advocate for yourself just yet.

Well thats my vent for today. Yesterday and earlier I was almost in tears over all of this.
Good to hear from you Cassie. Take care, good luck and God Bless.

07-02-2009, 04:29 PM	#127 (permalink)
dthom Senior Member Join Date: Oct 2008 Location: St.Clair Shores,Michigan Posts: 699 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Failure is not an option for us.... Cassie I will say a prayer for your daughter. We are still waiting since Jan., yesterday NACA also today me that we need the hardship affadavit and 4506T along with updated proof of income. No mention of new authorization, or home ins, mortgage statement or tax bill. WTH is going on over there. Everyone is getting different information. The rep told me he wanted this stuff so that they could maybe submit for Making Home Affordable. Also said Bank of America, CW is 5 to 6 months behind! At that rate we will lose our house before this is over with!! Maybe I will send in the new tax bill info, Homeowners Ins. Dec page, and a mortgage statement just in case. Better to give them more info than not enough I guess. We have to wait until next Wed. to get a statement from husbands former employer that shows how much he earned in per diem last year. It is non-taxable and non-reportable because of his job as a truck driver. All of the per diem was actually earned income that did not have to be taxed.(meal allowance and allowance in case he had to stay overnight). But since it does not have to be reported by us on tax returns or 1099 we have to show proof whenever someone looks at our household income. It was usually over 12K per year. Afraid that when they see our tax return it will look like we should have never had the house, but they used the per diem when we applied and were approved for this mortgage. I am faxing all info without the statement and will update as soon as we get it. I was so annoyed at NACA yesterday. I asked why they had not attempted another solution until now, over 5 months after we submitted. Of course rep didn't know. Just said submit the other paperwork and we will see what we can do. I could have applied for MHA months ago and maybe had an answer by now. Meanwhile, I have missed two payments because they won't accept partial payments, credit is now trashed as we have credit cards in collections and charge off and have medical bills that are now 60 days past due, on their way to collections. So we do everything we were told to do by NACA, and now they say, CW/BofA and investor(Freddie Mac ) are not responding so we will see if something else will work! But oh by the way, don't try to advocate for yourself just yet. Well thats my vent for today. Yesterday and earlier I was almost in tears over all of this. Good to hear from you Cassie. Take care, good luck and God Bless.