[alisoncg]

Okay. here's the latest. The letter we were told to expect actually came in the mail this weekend. It says that The Borrower Counseling Services Department has recently reviewed our account and may be able to assist us. It then goes on to offer us a brief description of what the options are. #1 is another repayment plan. #2 is a short sale or preforeclosure sale and #3 is a loan modification. It also states in LARGE letters that we need to be advised that not all loans are eligible for a loan mod. I should add that this letter is dated Aug.15th. In the same batch of mail we got two other letters which are exactly the same except one is adressed to my husband and the other to me. This letter states that we are now 3 months behind including late fees and the upcoming mortgage payment which totals around 7500.00. It also goes on to say that in order to avoid accelaration of the loan we need to pay the past due amount by August 31st and the current mortgage payment by Sept.16th. This letter is dated August 17th which is 2 days after the workout assistance letter was dated. Is it just standard procedure to send the letter telling us what we need to pay and when? The first letter that says they may be able to assist us gives a phone number to call but before I call I wonder if you could direct me on what might be asked and what I should say. This forum has been such a blessing and I actually have been able to sleep at night just knowing I am not the only one out there with this problem and help is available. I can't thank you enough.