Hi Jenn
I just sent my letter 2 days ago to the 450 American St address. I also enclosed hubby's most recent paystub and a copy of the intent to accelerate.
To this date we have not been in contact with
CW, and we are just awaiting consultation w/ NACA. Right now we are only Jan. payment behind.
So I have no idea if
CW will contact us at all regarding the hardship letter or if they will laugh and throw it in the trash

I propose that being technically 2 weeks past a deadline of the 15th is not considered late to them.