[JeanetteB]

Hi Reno1,
Sorry to hear about your situation. My husband and I are in the same situation down here in Las Vegas. I also have been having trouble finding someone in las vegas either in the same situation or has already gone through it so I know what it feels like along with all the stress and frustration. We have a 2bd 1bth townhouse that we bought in 2005 80-20 a.r.m just like you we paid 220,000.00. Well we tried to get a loan modification with our lender asc and with cms and neither one approved us with tried for months to get this done. We even tried to refinance but nothing work so finally we decided to rent a nice house before our credit was completly shot. We also have an hoa which we havent paid either. So far the only thing we've gotten are some letter stating we're behind (duh) and a couple of certified lettter stating we're behind and if we don't pay that they will foreclose on us (duh again). We have retained a bk atternoy just in case we need to file ch 7. But right now we're just riding the wave to see what happens. Please keep me updated on your situation and how everything goes for you. Again I'm sorry for your situation.