jdubu2
We are current on our mortgage, but not paying credit cards, no money left at end of month to do so, due to husband being laid off.
We are working with NACA, and they know we are not making credit card payments. They know that we had to choose what was more important, credit cards or our home. We chose the home. Also, NACA told us to make the house payment as long as we can, even while waiting for them to get our restructure complete. They told us that by doing whatever it takes to make a mortgage payment, even if it means not paying cc, it would look to
CW that we are serious about wanting to keep the home. Of course, we have managed to make the mortgage payment, but not sure how much longer we can do so. Payment now takes over 50% of income.
NACA just wants to be able to help you keep your home, and at a payment you can afford long term.