Hi j-nice, thanks for the reply. hmmm that is really strange to me that you "don't make enough". Who does get the MODs then? I'm confused as well. Can I ask when NACA submitted your forbearance? I'm thinking we shouldn't go with the forbearance either. Can we just back out and not sign the paperwork should
CW approve it? But if you get a MOD, they also tack the late payments and payments you missed, too, don't they? Is it too late to call NACA and adjust my espenses? We decided not to pay CCs right now. Our mortgage is more important, and I can't worry about my credit rating right now. I'm so stressed from all of this.