[mshanie]

We filed 13 in nov 2005, then had all kinds of "rainy day types of emergencies"couldn't hardly keep up with groceries and utilities...we were week to week...basically penniless, then we got back on track somehow between june 2006 and jan 2007..great righ!!!! .....wrong...we both lost our jobs in March of 2007unexpectedl...now what.. since we were in the bullet proof 13 protection since 2005,and our trustee payments were making partials ever since, we were hit and miss on mortgage, then in oct 2008 the hammer fell, they would't accept our hit and miss any longer, they had our stay lifted shortly afterwards, then I thought what the f@#k what is there to lose, so we applied for the retention program,dec 14 2008, now the real fast slow jack, a big cluster f#$k..
wait..wait wait... all info they requested has been submitted, everything is posted on the Countrywide site on our account it just says, wait..until after 1/21/2009 then and only then should you attempt to call us, ok... I did and they said...wait some more, a negotiation team has been assigned your loan and until they say they have something....wait we do have viable income, we have shown a minimal monthly surplus with checkstubs and the whole bit...unfortunatly our pay is about 60% of what it was 1 year ago...where is my bailout..Oh.. I..forgot...BOA is next in line again for their next 20 billion, at my /our (the taxpayers) expense..I must be an idiot, I forgot that it was the BONUS season for the thieves and con arists....sorry ...just venting.....