[flowride]

Well, the only thing they did was put me in forbearance. They didn't report on my credit while I was in it, so I don't think they put me into foreclosure proceedings. To be quite honest, I would have been just fine with the first mod offer of the step program. I just want what they said they'd give in the first place and I don't want to let my credit slide to get it. Unfortunately, that's not going to be an option, I don't think.