Justme89,
Thanks for the encouragement, if you read this thread at the top, I already filed 13 back in nov 2005, in a repayment plan everything going well until we both lost our jobs march 07, made hit and miss payments as we could, even kept in touch with
CW, they said its ok ,try to get caught up ASAP, you're protected in the 13 as part of that money is coming to us as well, keep us informed. ok did that...july payment accepted, sep payment sent back in oct, then all hell broke loose. New rtention program in dec, my lawyer thought I should try it. Called
CW in dec, thay said need a letter to speak to your lawyer. ok...did that.sent them everything they requested dec 14 2008, they didn't get it.. fax machine problems... I kept sending the docs to them, dec 27 2008 their lawyer filed a motion of default, had my stay lifted, then the house was out of the 13, I called
CW, they assred me that that is standard operating procedure to have the stay lifted for renegotiation purposes, my docs finally showed up on my
CW accont 1/14/2009, got sherriffs sale papers in the door signed 1/27/2009, I feel I got tricked into getting the letter from my lawyer, to supposedly let them help me on a workout plan, and meantime they acted like they never got my docs, and proceeded with my foreclosure sale!! BEWARE OF GETTING A LETTER FROM YOUR LAWYER TO RELEASE OR DISCUSS ANY BANKRUPTCY INFORMATION,
CW WILL COME AFTER YOU!!! I don't think their workout/modification percentages are very high, I would assume their numbers are about as high as the last presidents approval rating!!!
good luck, I feel that the only hope i have is NACA...