[elpjohnson]

Sandiegosunshine....

I just had our loan modified with AHMSI through an attorney and was current on my payments throughout the process. I was never behind not even 30 days. So, I'm not sure about the 60 day window of dispute deal but I do know that in my modification I skipped a full months payment and because of the way my modification was done I was reported as current throughout the process....in other words, I was allowed to skip a payment because of the way the modification was structured without it being reported as late to the credit bureaus.

It's such a difficult decision to make (pay an attorney or pay your mortgage).....if you feel like you can't do it on your own, hire the attorney but be prepared to take a hit on your credit....and they probably won't remove it unless you come to some sort of an agreement with them....most lenders are really strict about the credit reporting and will absolutely refuse to remove lates from your credit report.....hate to say this but some lenders are just a$$holes about this!

Take care and good luck....I wish you all the best and will keep you and your family in my prayers. God bless!