[nmorrow1]

Ok, I called the Home Retention Dept, and they told me I may qualify for a Modification on the 26th and to fax in letter of hardship etc. I had everything ready and faxed it in immediately. I looked online and my statuts states "Denied" but when I call they say it is in process.

As of right now I am only 30 days behind but will hit 60 days on October 1st. Should I keep my payment at 60 days late to avoid them filing an NOD?

I am going to try calling the Executive Workout Team on Monday.

Thanks.