Tanjen - sorry to hear your husband lost his job. this economy is wreaking havoc on many people. Just wanted to let you know that you should contact ACORN. They have a website and you can locate a local office. We have tried for 3 months to contact
cw but can't get past their home retention dept aka collections. i have tried every number under the sun including ones i have found on the web. none work. unfortunately, we did have to take a hit on our good credit rating and miss a few payments. Acorn had us fill out an application and submit docs. They then have a counselor speak with you and come up with a counseling plan and then a proposal that Acorn's negotiator will send to your lenders negotiator. This is a free service. you aren't guaranteed anything with Acorn but at least you have someone on your side who can work with your lender if you have hit a wall. Good luck and hang in there.