[jojolala]

I started by calling Jack Schakett's office (Executive Managing Director and COO, 818-225-3000) and his assistant was very helpful, listened to everything I had to say. I have names and numbers for negotiators that I was assigned to, but if they aren't assigned to you, they probably won't be helpful. The supervisors that *** posted are Loretta (a vp of Home Retention 800.405-0078 x 3066) & Jan Lee reports to Loretta, but I don't have her extension. They first turned us down as you see in my original post... but that day I had come across the 12/8 Fannie Mae press release and literally had to read line-for-line why this applied to us. "The Early Workout process can begin as soon as a borrower demonstrates the need for a modification -- even if a borrower is current but a default is reasonably foreseeable." Like my mortgage payment is 54% of my gross. Job security would make default reasonably foreseeable.