NACA didn't say we had to be 60 days past due, as of today we are still current,pay just before the 15th, but don't know about Feb. NACA told us to keep making our payments. But like MP927 dont know if we can make Feb payment, and car loans, plus utiilities, and eat too, with husband now on unemployment. As far as
CW they never did respond to our hardship request for mod, even after they told us we qualified. I think it was because we are not officially late by their terms, so maybe the 60 day thing has some merit. NACA seems to be our best option. They submitted restructure to
CW this week.