we are doing Bk first, mostly due to amex... but also we have been turned down 2x for mod with
Cw because we are a fixed 6% they don't want to work with us, we can pay our payments as long as we don't have CC. but the threat of freezing our accounts made us move on the Bk. Naca said that the bk won't change the outcome of a mod. cuz our credit was already bad, Bk will probably help us. I have no idea what our fico is...can only imagine! someone on here said it only lowered their fico by 30 points??