[JeanetteB]

Hi Reno1, ASC said they wouldn't approve us for a loan mod because we made $200 less then we should for them to modify our loan. Dumb huh well we made enough before but not now because of the a.r.m which didn't want but was talked into getting but thats a whole new story. As far as the judgment goes i do know that in the state of Nevada they have three months after the sale of the property to come after you and that in the state of nevada we have non-judicial judgments as well as judicial but most are non-judicial which is a good thing. We also called hope now and all the other bs companies that are suppose to help you in this time and they all say the same thing that the company doesn't want your home and I tell them well tell that to the company who won't help us. We haven't made payments for five months and still nothing I keep checking the clark county recorders website to see the updates but so far all we have is a nod and we're in pre-foreclosure. My husband and I are just as worried to see what will happen but there's not much else we can do we could contact another attorney to see about the process but as you know attorney's will try and get to hire them and take your money without really telling you the whole story like for instance you should file ch7 so they can't come after you and in the end they never would have. Also as far as filing your tax returns next year as long as you don't have many assets ( meaning enough for them to take in order to pay off your debts) you qualify for the mortgage forgiveness debt relief act of 2007. I hope some of this has helped you.