[kgusta]

ok, i have called the number you gave me and got a person named Melvin Kumar. He did verify that my mortgage will adjust this Dec payment. I asked him about the modification or rate freeze program and he said of course that he needs my financial figures. My question is when looking at the income and expense sheet should i put all credit cards and payments in that. the reason i'm asking is because some of them have been written off and some are in collections due to my husbands unemployment. I am not paying on those, only some of them that i can afford unfortuately. I just don't want to do this wrong and get rejected. Am i only putting on that sheet the ones that i am paying or no. Because i know from the forum that i need at least 150-200 in excess each month. My husband is getting unemployment payments, can i use that as income? please advise. I told him i would call back with my figures no later than tomorrow. thanks