WHAT A DAY! First thing, I had scheduled a call with NACA today to check on my status and to make sure they got the fax I sent today. They did and the lady was nice and helpful, but did mention that I now needed to send last years tax returns, and my home owners insurance declaration (I have no clue where it is), UGH. More info... Anyway I told her I would try to get the items and send them tonight, it's already 9pm and I have to get up at 5! I'm sooooo tired! Anyway, about an hour after talking to her there's a knock at the door, and it's my mailman delivering my certified intenet to accelerate letter (what does that mean anyway intent to accelerate??) trying not to panic I called the number which is the foreclosure department again, and actually got a nice person at BOA! GO FIGURE! anyway, she asked it my financials had changed since last week I said no, except for the credit card payment. My hubby owes a large amount on one card and it's like $350 a month payment (ridiculous) I told the lady that we'd rather make the mortgage payment it comes first. She put me on hold and came back say... drum roll... WE QUALIFY FOR ASSISTANCE UNDER MHA!!! I actually screamed in the poor ladies ear! Not only that she said that by her calculations we should get a payment around $1700 a month!!! That's a $1000 reduction from our current payment! She asked if we could pay that I said YES!!!! So she said to send in our info tonight, which I am and hopefully get the process rolling. So a bit of advice here, of you are counting credit card payments in your expenses DON'T, NACA even told me that, it shouldn't be counted. It may hold up your mod, just and FYI. So after I calmed down a little, my hubby brought the mail in and there's a letter from the president's office "Barbara" and it said thanks for the email last week, etc. but we can't help you because you are working with NACA. Guess they don't know my account isn't flagged as of yet. Question: Do any of you recommend just working with BOA at this point? Since it seems I'm finally getting somewhere? Should I keep working with NACA because it seems like it's taking forever, and since the president's office sent me that letter with a phone# I was thinking of calling them too to see if the process could go quicker? I just want this done and I don't want to lose the momentum that came with todays events ya know? Suggestions anyone? Moe?