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Originally Posted by we're_still_reviewing  What did your husband say to them ? I'm not sure if it's better to ignore all the calls or to just speak to them. I did speak to them last month when we were late and I fibbed and told them that we were planning on becoming current this month. Which we are not. I just don't want them to know that we are not planning on paying and that we are trying to ride this out as long as we can. Is it really best to speak to them ? If so, then what's the best thing to say ?
TIA ~ |
DH just told them that we were trying to keep up with a mortgage and we could get them a payment on such and such a date, which we usually did at that point. It doesn't really matter though. They enter whatever you tell them into the system and the autodialer just keeps calling daily. We usually did not get any more calls that day, and if we did it was one or two instead of seven.
If one of you is not working, then I'd tell them that you are looking for a job, or another job if you are already working, and that you just need a little more time to get something lined up so you can catch up. Maybe even put in a few apps somewhere to make the case. Usually a prospective employer will run a credit check of some kind and that should show up somewhere where they might be able to see it.
If our mod through NACA is denied, we fully intend on dragging this out as long as we can, too. We felt a little guilty at first....until I started doing a little digging and found how people like us are getting screwed six ways from Sunday.
If your investor refuses to work with you, then my opinion is to make it as expensive as possible for them....then maybe they will be willing to work with someone else later on down the line. Good luck and keep us posted!
