NancyK
Definitely give NACA a call or go online and apply. We are not behind, but paying late, hard to come up with the money for payment, loss of income due to unemployment. We are waiting on our restructure,
CW shows we are in active processing at this time. Ours is a fixed sub prime, and we are underwater too so could not refinance.
CW wouldn't help us either. You are not alone. Hang in there.