[Kalvin09]

Hi Calli09,

I am in 100% agreement with you......Chase offered me a forebearance program , when I applied for a loan mod program.....they said, even I pay the payments in the forebearance period, I will be reported to Credit Bureaus as late payments for 3 months.......and also for the forebearance period, they did not include home owner's association and insurance.

When I called my loan analyst about it, she said she consider the association fee and insurance for the actual loan mod after forebearance.....What the hell??? Why cant she consider it now?????

I dont have a good feeling going into forebearance program......This program has been made for consumers who are already late on their payments but not for the consumers who are current.

This is crazy.........I hope I can find means to solve this and get the actual help...........when I took the session with 995 Hope, they asked me not to accept the forebearance program......based on my financials, I need a loan mod.......

And you know what, as you said, if your credit takes a hit, think about all the money we need to put into, auto loans, credit card interests etc.......

Is there anyway that we can voice our feelings/ opinions?????