[Mike0124]

Thanks to everyone so far for your responses.
SillyWorld, you mentioned NACA which I had heard in the past. I appreciate your advice but they are basically a Political Action Group that stands for things I don’t and can’t support, personally. When I researched them@ NACA.com, (as I strongly suggest everyone do themselves before giving any information or making a commitment), I was more than troubled. It can’t hurt to talk to anyone but what specifically stuck out to me was their mandatory or forced – volunteering requirement!! Look under the “At-risk Homeowners” section on the main screen, click on “Home Save Program”, find the title “General” and click on “Click here – Eligibility”. It states the following as requirement #4 “Participate in at least five actions and activities a year in support of NACA’s mission: . . . . .When you join NACA, you agree to the Participation Pledge which requires you to participate in at least five activities a year. This applies immediately as long as you have the mortgage restructured through NACA. Thus you may not be able to access the NACA program if you do not participate. We need you to take the initiative and contact your NACA office to volunteer and participate.”
I don’t think any less of someone who uses them, they get what they want and if you really need the help – it’s an option. Thanks you again for the advice

Sunbeam, thank you too. I’m actually in the process of writing a letter. I live in Connecticut so Sen. Dodd is my Senior Senator and the Chairman of the Banking committee. Hopefully that will get the Citi CEO’s attention, unfortunately I fear that will take too long. I’m hoping to get my situation resolved quicker than that (probably still naive) but feel I need to stick with this long-term and I’m going to press for accountability from these companies regarding their contractors.

Mel239, I’m sorry to hear your story and I feel your pain. It took over 2 years for my disability to be approved; I paid mortgage, utilities, groceries and credit cards with checks from other credit cards that entire time. No one cared or tried to help until I hired an attorney. It was just the way the “system” worked – SLOW and Heartless. I’m still carrying much of that debt today, including back TAXES on the disability for those 2 years. Since I‘ve been behind on my mortgage, Citi continues to report a default, so of course all of my credit cards have been closed or the remaining credit was cut to my current balances. Dealing with Social Security (Disability) is bad enough, but to have the difficulty of facing foreclosure at the same time must be terrible. I’m sorry and the best advice I have for you is to keep fighting. Nothing comes easy in life and for those of us that aren’t as strong or healthy as the next person, we have to fight harder. You mentioned long–term disability and I assumed it was Social Security, but regardless, if you have a legitimate and consistent source of income then the bank or even the court will likely work with you. I know of someone already in foreclosure here in Ct that is negotiating new terms for their mortgage with a lawyer hired by the bank to handle the foreclosure. Most banks are willing, and many courts are ordering, that the loan be renegotiated before they allow a full foreclosure. Banks don’t typically want to own properties. Just don’t give up, keep fighting because assuming it’s not affecting your health - it can’t hurt. Another option is to check with your State and Local govt. to see if they have or know of any agencies that assists and advocates on behalf of people with disabilities. Here in Ct it’s called the Office for Protection and Advocacy for persons with Disabilities (OPA). I wish you the best and keep us posted….