Loan Modification Forum - LoanSafe.org - View Single Post - Countrywide changed my date online for adj

kgusta · 01-15-2009, 07:43 AM

I have a question. I was just going over NACAs proposal to countrywide and just realized something. I do not think they are counting in my expense all credit card payments to be paid. When they went over my credit report with me i heard them mention all of them but if i were to pay all of them and the new mortgage amount i would still be in the neg. I believe because some are in collections they are not counting them. Wouldn't that be defeating the purpose, as i will have to pay these once my mortgage is under control. they are only counting the ones i am currently paying. that does not make sense to me at all. shouldn't all my expenses be included in this restructure? I would think so. I have tried to call NACA and was on hold for about 30 minutes then it hung up on me. nice If i am going to be in the neg every month what is sense.

01-15-2009, 07:43 AM	#34 (permalink)
kgusta Senior Member Join Date: Feb 2008 Posts: 39 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: Countrywide changed my date online for adj I have a question. I was just going over NACAs proposal to countrywide and just realized something. I do not think they are counting in my expense all credit card payments to be paid. When they went over my credit report with me i heard them mention all of them but if i were to pay all of them and the new mortgage amount i would still be in the neg. I believe because some are in collections they are not counting them. Wouldn't that be defeating the purpose, as i will have to pay these once my mortgage is under control. they are only counting the ones i am currently paying. that does not make sense to me at all. shouldn't all my expenses be included in this restructure? I would think so. I have tried to call NACA and was on hold for about 30 minutes then it hung up on me. nice If i am going to be in the neg every month what is sense.