[teddy]

I have been reading you comments. Be careful, sounds like they have given you the same as me its called a ForeBearance. It is not a modification, it is just giving them the time they need to make a decision of whether or not to modify. When they gave me mine they told me it was to give me time to hopefully make a change in my circumstances, which is I was laid off from my job. I am receiving unemployment benefits, they gave me the same story about the 9 months, I am in Oregon and guess what? I received a letter from Unemployment confirming my unemployment for a year. So I called them, the 9 month rule was the only issue I was having regarding receiving a mod, well guess what? Still don't have one. They just keep changing the rules to fit them, not us. I have been trying since November or 2008 to get a mod with no result. My forebearance is up in January 2009, at that point I will still be receiving unemployment for 10 more months, then what will be their excuse. So that payment...mine is for $727.15??? Sounds too familiar....you better check with them asap to see if your's is also a forebearance, if it is you better start calling them again for a mod.