So we are now waiting for a forbearance letter and it has been nearly 60 days, we were told we did not qualify for a
cw mod. we have negative income. I have not gone any further with Naca mostly out of fear. at this point we are doing everything we can to get current with our payments on our mortgage. my question here today is, we have not paid any CC payments in nearly a year and need to decide rather to file a BK or to try a debt company like CCC. does anyone know how this will affect the new Obama plan, or how it impacts Naca willingness to work with us? this is way to much stress....