Loan Modification Forum - LoanSafe.org - View Single Post - My monthly deficit too high to get a mod?

terie · 06-12-2009, 07:59 AM

*update... I spoke with a HUD approved counselor thru HOPE. She was great and said she was going to advise the WF people that a mod was necessary and that she thinks we should get it after reviewing our finances. She said they quite often listen to them and if they don't, start skipping payments or making them late. She agreed that since we haven't even been late, they see no reason to change anything. The fact that we ran though almost $10,000 in savings to stay current should be a factor. She said to give them 10 days and then call them if they haven't contacted us. SO...we'll see.
I wish my sister had called these people before she had our dad pay $3000 to some people who did nothing for her. Her house was due to be auctioned on May 22 when she called me. I had her get an attorney and file BK real fast. The sale has been stopped, for now. The "mod experts" she hired told her to IGNORE anything that Ditech sent her!!!! Doesn't this girl watch TV? At least in Vegas those stories are on almost daily. Wish me luck...as I wish all of you good luck and hopes that the banks come to their senses and realize working with us is better than having another house sitting there unsold. I don't understand their position in this.

06-12-2009, 07:59 AM	#37 (permalink)
terie Member Join Date: Jun 2009 Posts: 13 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: My monthly deficit too high to get a mod? *update... I spoke with a HUD approved counselor thru HOPE. She was great and said she was going to advise the WF people that a mod was necessary and that she thinks we should get it after reviewing our finances. She said they quite often listen to them and if they don't, start skipping payments or making them late. She agreed that since we haven't even been late, they see no reason to change anything. The fact that we ran though almost $10,000 in savings to stay current should be a factor. She said to give them 10 days and then call them if they haven't contacted us. SO...we'll see. I wish my sister had called these people before she had our dad pay $3000 to some people who did nothing for her. Her house was due to be auctioned on May 22 when she called me. I had her get an attorney and file BK real fast. The sale has been stopped, for now. The "mod experts" she hired told her to IGNORE anything that Ditech sent her!!!! Doesn't this girl watch TV? At least in Vegas those stories are on almost daily. Wish me luck...as I wish all of you good luck and hopes that the banks come to their senses and realize working with us is better than having another house sitting there unsold. I don't understand their position in this.