Hello Wendy and thanks for sharing your story here on Loan Safe!
This process can take on average 60-120 days. Sometimes less, sometimes more. There is no rhyme or reason in this whole process.
Countrywide can be difficult to deal with, just like EVERY over burdened and under staffed servicer is, but with that said, they are actually one of the better lender/servicers to deal with. I have seen many, many
loan modifications granted by Countrywide. I want to see more and faster, but they are helping a little.
This of it as if you are wounded and there are hundreds of thousands like you with wounds. Some have worse wounds and some, just paper cuts. They are the emergency room and they are just overwhelmed with patients and its almost chaos. But in the chaos, people are getting that help. Not all, but some.
What do those some do that the ones that don't get help don't? They make sure the nurses and doctors know they are there every day, every week and every month and they will not leave until they get help.
OK, enough analogies
You need to write your
hardship letter (example here), figure your income and expense sheet, gather all your income documentation and get prepared.
Read through the success stories here with Countrywide and see what the others have done and won that have gone down your exact same path .
You can write a Qualified Written Request, email, fax, and call them all the time till you get some help.
Try using this number when you call. 1-800-405-0078.
I look forward to hearing more from you and getting you into our success section. Best of luck and keep up the good fight!