jdubu2,
I am sorry to hear about your loss and family troubles....it is unbelievable that the banks ask us to be proactive when there is a hardship, then they do absolutely nothing to help. I find it unconscionable in your case.
One thing I wanted to relay is that you can't believe anything the reps tell you over the phone!! The first few times I called last Oct 08, they were nice as could be. One rep (from India, no less!!) told me what my exact payment would be after the modification and that I would receive the paperwork in 10 days. Needless to say, she was way off! I didn't receive loan mod until mid Feb 09 from
CW. The mortgage amt was almost double what she the Indian rep stated! Totally unacceptable! I don't understand it....these phone calls are all taped! Many of the reps said I wouldn't get a "real" modification until I was at least 2 months late with payments....I asked them for the ID # of that last phone call telling me that. I dunno why....in case I need it for a class action suit against these clowns??
Anyway, go with Naca at least they are honest about what they tell you and there have been many success stories posted after working with NACA. I hope we are all in that forum someday soon.....