[Calli09]

Update here! I got called back to work this week and had made my Feb pmt. I called Chase today, to let them know of my new financial situation, as I am still in need of a mod. I explained my new financial situation, and the person did her math, and told me that she is putting in for a mod for me and she "suggested" that I "hold on to my payments" until this is complete. She did say this is no guarantee I will get one, but she said she is putting mod, not forebearance. She told me to call in 2 weeks from today, to see who my analyst is.

So the fact that I am now making a little more money puts things into a different light regarding the mod. I hate the fact that you don't pay them for 3 mos, they already know your situation, and then you may wind up with a bad credit rating, and late fees and atty fees before they modify. Does that seem to be the way it goes for people, or have there been several experiences where they just do the mod and do not charge you up the wazoo?

I am so confused at all this. Thanks all, just wanted to update whats going on so far.