Just found my origianl post. We are still waiting for
CW to get our modification going, just talked to Retention on the 9th and Harriet told me we are still pending our modification, they are back logged, but to "hang in there", then received a call yesterday for cutomer service wanting to verify for me that I had indeed spoke to Retention Dept. and that it is taking 30 to 45 days for modifications to be processed. 45 days will be the 20th. Right after her call I found out from my husband that he had lost his job totally, he has only worked 5 days since beginning of year, and now he is out of work altogether. Have not even got unemployment yet. We will have no health insurance and due to a medical condition he has, and other r/x we will now have to come up with $800 per month approx in prescriptions. Income has been cut in half. If I could get the payment down then with my income and his unemployment, plus food stamps and maybe help with medical we could make it ok. Already gave up on paying credit cards. Just made January payment the other day, but as of now we won't be able to pay in Feb.
Should I call
CW Retention tomorrow and fill them in on change in circumstance to see if it will expedite the modification process or just wait and see what happens if I don't make Feb payment?