Thanx for the words of encouragement. It's nice to know there's still people out there who care about other people, who want to help and are trying to make a difference. An In-N-Out burger would really lift my spirits right about now. I might just relocate back to SoCal. Got a lot of family out there...and friends. So anyhow...I called the HEART team today and asked about my mod papers again and they said I would have to contact the Workout Dept at
CW. So I did...and...they said the original papers are expired so there would be no point in sending them out again. So my question is...Why promise to send them on 5 different occasions if it wouldn't have mattered anyway? Then, Johnny started asking me all the same questions as before to start the loan mod process all over again. He said he'll call me back tomorrow to go over my numbers again. So now I wonder where did the 1st check from the original mod go...my bank shows it was cashed. What was it used for or applied to? I have asked and no one has an answer. Do I send the third payment in from the "alleged" 1st mod? Or try the whole thing over again like Johnny said? I almost think they are trying to push me off to the Dec.1 program.