[mommy1119]

Hello all, I have been reading post daily I think this forum is a great help to many of us experincing this modification process with countrywide. My story starts back in November 2007 when my husband lost his job. I was able to keep up with my payments until Aug 2008. I am now 5 months behind I submitted all of my paperwork paystubs, hardship letter to countrywide on 11/18, on there website they show that they were received and posted on the account on 11/24. On Friday 1/23 I made my second weekly call to check the status on my modification and I was told that they showed that it had gone to a group of negotiators (what does this mean)? Lester at countrywide also told me that BONY was my investor, is this good or bad? Today 1/25 I logged on to countrywide to check to see if there was any change to my status and now I see that all of my documents are gone and it reads

Documents Received Processing Date Workout Type Document Type No Documents Found For This Account The above list is real-time and reflects the documents processed to date for this account. We may have received additional documents recently sent to us that have not been processed and therefore do not appear in the list. Please do not call us to check the status of a document not showing in the list as our representatives will not be able to provide any additional information than what is shown here. Thank you for your patience. And under workout status it reads Current Workout Status Loan Modification View the Details Hide the Details Workout Status Details: Your request for assistance is under review. During the review process, a thorough examination and analysis of your loan will be completed. During this time, we may or may not need additional information from you. It is common that you will not hear anything from us during the review period, but please be advised that all collections activities have been temporarily suspended during this review period. We expect more information to be available on 12/03/2008. If your status remains unchanged after the 12/03/2008, please call and speak to a customer service representative. Please do not call back before 12/03/2008 as that will delay the process. Please respond promptly to any calls or requests that you may receive from us during this period. Lack of response will cause your workout to be delayed or cancelled. Thank you. Information as of: 11/12/2008 Workout Stage: Processing Phase/Sub-Phase: Active Processing I am not sure if this is a good sign or a bad sign. I have been reading the posts here for a while and started my process with naca. However, when I called for my status Lester at countrywide told me I should wait to see how things turned out with them. Would it hurt if I continued the process with naca. I have already had 1 phone interview did my financials and uploaded documents to them. Should I wait to set up my second phone interview with naca. What is the success rate for countrywide alone .vs. naca. Please help me I am so confused. Thanks mommy1119