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Heavy D · 11-28-2008, 08:07 PM

My prayers have been answered and my family really had something to be thankful for this Thanksgiving... I received my modification paperwork today!

After sending my hardship letter and financial information to AHMSI, I spoke with Bob France. I explained my situation to Bob and let him know that I'd be leaving for Iraq on Nov. 30th. He said that he couldn't promise anything, but that he'd try to get a decision on my modification request before I left the country. He asked that I send him copies of my employment contract, my wife's paycheck stub and a bank statement. I forwarded the information and he went to work.

As my deployment date grew closer, my anxiety grew with each passing day and I think I must have called Bob about every other day to see if he had any news. Even though I know he must have had countless other people hounding him about the exact same thing, he always returned my calls and let me know exactly where I was in the process.

At about 5:45 pm on Wednesday evening, Bob called and said that my request had been approved. AHMSI reduced my interest rate to 5% and converted my note to a 30 yr. fixed loan. They also agreed to add my delinquent payments, late fees, etc. to the end of the note. My monthly payment went down almost $300 and the first one isn't due until January 1. After going over everything with Bob and agreeing to the terms, he said that they'd get the paperwork processed and headed my way.

Bob called me again at about 6:30 pm (4:30 pm California time) and said that he saw something in my file that said I was leaving for Iraq on Sunday, Nov. 30th and asked if that was still the plan. When I told him that I would be leaving on Sunday, he asked me to hand on for a second and put me on hold. He came back and said that he explained my situation to the lady who prepares the paperwork. She agreed to work late (on the night before Thanksgiving) and make sure that my documents were finished and overnighted so I would get them on Friday. They wanted me to be able to sign everything before I deployed so my wife wouldn't have to worry about sending everything to me next week and we could enjoy the Thanksgiving holiday knowing that our home was still ours.

11-28-2008, 08:07 PM	#5 (permalink)
Heavy D Junior Member Join Date: Nov 2008 Posts: 2 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: What are my odds? My prayers have been answered and my family really had something to be thankful for this Thanksgiving... I received my modification paperwork today! After sending my hardship letter and financial information to AHMSI, I spoke with Bob France. I explained my situation to Bob and let him know that I'd be leaving for Iraq on Nov. 30th. He said that he couldn't promise anything, but that he'd try to get a decision on my modification request before I left the country. He asked that I send him copies of my employment contract, my wife's paycheck stub and a bank statement. I forwarded the information and he went to work. As my deployment date grew closer, my anxiety grew with each passing day and I think I must have called Bob about every other day to see if he had any news. Even though I know he must have had countless other people hounding him about the exact same thing, he always returned my calls and let me know exactly where I was in the process. At about 5:45 pm on Wednesday evening, Bob called and said that my request had been approved. AHMSI reduced my interest rate to 5% and converted my note to a 30 yr. fixed loan. They also agreed to add my delinquent payments, late fees, etc. to the end of the note. My monthly payment went down almost $300 and the first one isn't due until January 1. After going over everything with Bob and agreeing to the terms, he said that they'd get the paperwork processed and headed my way. Bob called me again at about 6:30 pm (4:30 pm California time) and said that he saw something in my file that said I was leaving for Iraq on Sunday, Nov. 30th and asked if that was still the plan. When I told him that I would be leaving on Sunday, he asked me to hand on for a second and put me on hold. He came back and said that he explained my situation to the lady who prepares the paperwork. She agreed to work late (on the night before Thanksgiving) and make sure that my documents were finished and overnighted so I would get them on Friday. They wanted me to be able to sign everything before I deployed so my wife wouldn't have to worry about sending everything to me next week and we could enjoy the Thanksgiving holiday knowing that our home was still ours.