[ZAP09]

Just an update, since pulled off 3month forebearance agreement 2 days ago by Wells Fargo and told they are proceeding with foreclosure, due to my request for modification being denied because my request was outside the investors guidelines.

I actually spent quite a bit of time today filling out the NACA documents online and at the end of it I set up a phone conversation for Monday, June 17, 7am. Like to give those details so others know that if they are working and can't get the time to talk, they have phone calls scheduled as early as 5am. I also prepared all my documentation to support my "newest" expense/income form. You see the bank is looking at a credit bureau report as well as our documents provided, well this leaves for a lot of error of interpretation, because my credit bureau report certainly isn't going to have the latest modification information on other debts, so it just looks like I have these enormous monthly debts. I hope to those of you it is revelant you have called your credit cards and car loans and HELOCs/2nds etc. let them know you are experiencing a hardship and need some help- I had tremendous success over the phone with each one---just not the most important one, my mortgage! I will not be giving up easily and will keep you posted as to the NACA conversation and my experience. I would greatly welcome some expert help with my next attempt at submitting my financials for reconsideration.