Wow - I don't even know where to start... a lot has happened. We were just looking into a chapter 13 to strip our 2nd when we got a call from the office of the president. Ok - fine, she is looking at our paperwork. She does see a mod for us, wants us to sit tight until next week. Btw, she is nice, understanding and intelligent. And we are thankful for her. She called early (I know!! Early!!).
As an update. We did do a mod last summer on our 1st. But a couple days before we received the mod paperwork, we cashed out our 401k and came current because we were told by
cw foreclosure was imminent. As I said - we got the mod days after coming current. The mod was great - we signed it and sent it back. We have never been able to get out of
cw what happen to our "come current $$". Looks like this nice lady in the office of the president has found it. It has been sitting in a partial payment account for almost a year. She is applying to our past due - which will nicely catch us up on our 1st. Oh, and the mod for a 2nd is starting over. Bummer. Nice to be caught up on the 1st, though... Looks like we will dive back in for the 2nd.