[snapple candy]

Hey Cliffdweller,
They should be going off the total gross on your application and not bank statements. My work out numbers did get to 31% of my gross almost exactly.

Yeah, I am just starting to work on the 2nd. I hear some knock it down substantially (or totally)and at a minimum reduce interest rates super low. I doubt they would roll cc into the whole package. I am sure the rules dont allow for that. Under fannie mae loans, they are required to modify 2nd if they modify 1st under Obama guidelines. I am assuming if underwater.

Well I just called my CC today to tell them I could make payment this month. They offered me 5% (was at 10%) for 5 years fixed but same payment amount. Have you called you credit card companies and asked? On one of the other threads, I heard to call every month for 6 mths and tell them you cant make payment. At the end of 6 mths, the will be willing to renegotiate and if you have some cash, they will settle for 20-40% of the amount. I am gonna give it a try. I guess this is what debt settlement companies do.