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While we are on the subject of short sales. My 2nd is with Citi and they are the ones that stand to loose the most. What are my odds of getting a modification with Bank of America(the 1st) if they aren't under the value?
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Yes. They are just tough to deal with. I have connections at Countrywide and a few in BofA that I can utilize on a case by case basis. I have Citi contacts that can get emergency stuff done for LoanSafe.org. However, soon we may have an agreement to submit and track right from the forum (well a private forum

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My thoughts are that there is just sooooooo many people who need help and a lot of employees that work for them are inundated, some don't care and some drop the ball. It causes a big cluster ball of miss communications and homeowner hamster wheels.