[jenandroy]

Update: We are still in forebarance until July. I am expecting to hear from Countrywide soon wanting to get payments going again. We have not paid our mortgage since January of this year due to our hardships. My husband is doing some part time construction work since he lost his business and is bringing in at least something. Also, we just went to a credit card dept solution company to help us negotiate our $36,000 credit card dept and lower those monthly minimum payments. We are doing everything we can to prepare and be able to afford a mortgage payment again. Right now we can afford $1200 a month but our current payment is suppose to be $2300 a month. I'm scared that they won't be able to get it down enough for us to afford it. My husband also thinks it will be too difficult on us in the morning right now if he were to be working full time until we can get our daughter on the insulin pump. Right now she needs so much care with all the injects. This is what started our hardship to begin with. My husband lost his framing company he had for 7 years because everyone stopped building customes homes. Then right after that our 3 year old daughter was diagnosed with Type 1 Diabetes. We had to live in the hospital for a while and then I had to take 2 months off of work to learn how to care for her. So, now it's June, we are so far behind in our mortgage that we'd never be able to pay 30% of our lates from what I'm reading on the forum. I'm affraid they aren't going to be able to help us but am trying to stay positive at the same time. So much has happened to our family this year that loosing our house would be devestating. Anyway, I'll keep you all posted on my story that I have here with Countrywide. I definately will be hearing from them soon since our forebearance is almost up.

Jennifer