Just to add to my last post - my understanding is that any restructure depends on BONY's PSA with
CW. Some allow modification, but have buyback clauses. And that seems to be a problem with mine since the delinquency is so extended and the amount approaching $100K because of the time factor.
CW had advised that a restruction would result in HIGHER payments. Not the object I replied.
Thanks for the comments. I'll continue checking with NACA.