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tryingtostay · 11-19-2008, 08:55 PM

Just an update...

we didn't pay this month.
Nov 17th I start getting calls, every few hours.
I don't pick up the phone because I recognize the 949 area code would "probably" be AHMSI. The last call at 5:45pm they finally leave a pre-recorded message to call them back.
Nov 18th we finally call HOPE. Now we have file with them.

Nov 19th we fax off a hardship letter to Jim Davis and J. Drake.
Nov 19th also in the mail comes the bill for Dec. We have a pick a payment loan with 4 choices. First is the teaser rate, then interest only, then principal + interest, then a 15 year rate. We can only afford the teaser rate ever.
So this bill we get, which I'm assuming is our regular bill anyways for Dec, shows us ONLY the teaser rate option to pay, we don't get to choose the other choices. So the bil is Nov + Dec teaser rates, plus a $60 late fee from Nov bill being late.

I will keep this thread updated, I think it's really nice for others to follow a timeline.

We took so long to call HOPE and fax the letters because I have been riddled with anxiety since we didn't send in our bill. Every time a car stops on our street, I'm afraid it is them. Makes no sense, I know, but it's the truth...

11-19-2008, 08:55 PM	#16 (permalink)
tryingtostay Senior Member Join Date: Aug 2008 Location: Menifee, CA Posts: 103 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: My CA story... Just an update... we didn't pay this month. Nov 17th I start getting calls, every few hours. I don't pick up the phone because I recognize the 949 area code would "probably" be AHMSI. The last call at 5:45pm they finally leave a pre-recorded message to call them back. Nov 18th we finally call HOPE. Now we have file with them. Nov 19th we fax off a hardship letter to Jim Davis and J. Drake. Nov 19th also in the mail comes the bill for Dec. We have a pick a payment loan with 4 choices. First is the teaser rate, then interest only, then principal + interest, then a 15 year rate. We can only afford the teaser rate ever. So this bill we get, which I'm assuming is our regular bill anyways for Dec, shows us ONLY the teaser rate option to pay, we don't get to choose the other choices. So the bil is Nov + Dec teaser rates, plus a $60 late fee from Nov bill being late. I will keep this thread updated, I think it's really nice for others to follow a timeline. We took so long to call HOPE and fax the letters because I have been riddled with anxiety since we didn't send in our bill. Every time a car stops on our street, I'm afraid it is them. Makes no sense, I know, but it's the truth...