[emorybetsy]

Hi Astro

I too followed harvey's advice and got my mod. I was not late but could not afford my payment any longer due to a decrease in income.

1. I did go through the usual chanels before sending the email. I started back in January before the Obama plan, so things have changed. In my email I expressed my frustration with the process and that I did not feel as though I was being treated like a valued customer.

2. They did not ask about bank account balances, but they did ask about assets like cars. Make sure you have all your figures together, do the math, and put the figures down on paper. After I sent my email a rep from BoA called me, I had been over the numbers several times over the phone before that but don't wing it. If you get somebody who is willing to listen to you make sure you have all the numbers figured out in advance.

3. There is no formal appeals process that I know of. But I can tell you one thing that I know for sure, if somebody says no, speak to somebody else and don't give up until you talk to somebody who says yes. I submitted all my documents several times, spoke to several different people and was denied several times. I sent the email and with the same numbers, nothing had changed in my situation, but for some reason they approved it. As a matter of fact, a couple days after I got my offer to modify I got a denial letter from a previous attempt! One hand does not know what the other is doing.

4. Follow Harvey's advice!!!