[mateo03]

It seems that being a mother, housewife, and running your own business, that your time is really valuable and all this run around is not worth the hassle ... Have you thought of trying to contact a loan modification company to help with the negotiations? They work directly with the lenders and make sure that you're pre-approved before any type of charge would be asked for. I have heard of many people using companies like this and having great results.

It looks as though at this point you have nothing to lose and at the very least, you can find out if you're qualified. I'm pretty sure this board prohibits promotion so I'm not going to recommend any one company.

I hope that this helps and believe it or not, we actually have a President now that is looking to change the problems in America, rather than just pretend that they're not happening and let nature run its course.

I hope you will e-mail me and we can find a way to make your life less stressful. I used to work at Countrywide and was released for not selling enough pay option ARMs because I didn't want to lie to people. I feel it is my duty now to help those in sticky situations and be able to enjoy life without worrying if the bank is going to come take their house or not because it actually has value.

-Matt