[maryloucross]

Thank you Cat. It all seems pointless at this time.

I woke up to a call from a Carrina in the Legal Department who told me she was going to get me to the right person. Well she did transfer me to my Foreclosure Representative. At last I have been told there is a person who is really overseeing my loan. Carrina informed me that she had been directed by the Corporate office to contact me and get me to the right person.

That hope was short lived. She told me I needed to go thru the proper channels in order to get a postponement and referred me to the workout department where it all has to begin. She did show some compassion as I was crying and she could hardly understand me. I told her this is why I have been unable to get anywhere it's back to square one only to go through another 50 people. She did give me her direct number and I have her supervisor's name as well.

So I did what I was told and talked to the workout department who told me the same thing I have now heard many times. In order to get a postponement I need to produce the items as previously stated Good Faith Contract and Approval. I explained the loan is to be submitted by end of week and I won't have an approval until underwriting looks at it. Which considering the back log could take a week or two. So I was told well lets see what else I can do. The only thing she could come up with is the Hope Assistance Program. Again someone will call me and here is no guarantee and the foreclosure will move forward. She informed me the Postponement had been denied on June 2nd. When I asked her who denied it she couldn't answer me. I don't know if it came from the Postponement Desk or the woman I spoke with yesterday Jeanette Gutierrez. So I don't know if there is still hope of a postponement or not. I guess this is my fault for calling so many people and everyone working on it.

The problem is my income and what they calculate as my expenses are well in the red. My daughter helps me out but not enough where they are concerned. So basically they are saying I can't afford the house. Well DUH hence the Reverse Mortgage. That is not enough for them to postpone the foreclosure sale.

What exactly is the Hope Department? Can they buy me time to get the Reverse Mortgage Approval letter? I was told even referring me to the Hope Department would not stop the Foreclosure Sale. But I don't know who to trust anymore.

Any suggestions would be greatly appreciated. Thank you again for all your help and support.