Taylor44,
I would just go right to NACA. They will help get you a loan mod with lower payments, not like
CW, they just want to raise your payments. If we had extra money we would be able to pay our mortgage and bills and not be calling them in the first place. Forget about
CW bc they don't want to help anyone, definitely get yourself signed up with NACA and get the process going. We are 9 months late and our still in our home. If they try to foreclose your home, NACA will step in and stop it while they are working on your loan mod. They have helped alot of people so far, just read the success stories and get your paperwork in ASAP.
Giantsfan