I couldnt find my original post to continue but apparently our hardship letter was not good enough everything was faxed in and the next day denied.Since 3 weeks before the holidays I was laid off working on and off since.Since then I was diagnosed with a brain tumor and I am very uncertain what my work future holds.We have been working w
CW since April tellin them we were going to have a problem in Nov when our pymt hit $4000 mo.My wife is working her tail off trying to pay the bills and with my health becoming an issue Im afraid she may be the only one working here for a while until Im done my fight.We did find out our loan was with the Bank of New York.Should we contact them?Can we?
Dec is the first mo we fell behind but we are all square again..this is how it will be if I am not working full time.
We have an ARM that adjusts every 6 mos it is currently at 12% and the other is a interest only w/ baloon note.Surely there is a better loan for us.We make good money we just had low credit scores.Now
CW wants us to miss payments and gives us smart comments like get rid of your fancy cars and cable/internet so you can pay your mortgage.We dont have fancy cars we have high int rate loans and we have come a long way on making that better now they want us to ruin what we worked so hard for.We looked at selling an were 50k upside down.Just looking for some advice.I dont have the energy to fight anymore and I know my wife will just walk if I let her take over.
Thanks for you input