I feel your pain. I started my workout Dec 17th and have yet to hear from
CW. When you say you talked to the negotiator, did they initiate the call? Or was it a customer service rep at
CW?
I have the feeling I will get a workout offer similar to yours, which rolls my missed payments into the loan and starts me fresh, without any modifications to the loan itself. I'm hoping after I refuse the first offer, I get a normal loan mod that I can afford.