Mary Salzer

  

You are not a heel, the loan that you probably got was a toxic, rotten and land mine ridden affair. If you can get the modification to relieve some of the stress of every day life, do it. You are not doing anything wrong, what was wrong was the adjustable rate nightmare that they probably put you in.

I am glad the auto finance folks are working with you and remember with Country Wide, they will never, ever call you back, you must the responsible adult at this party, be proactive, focused and determined.

My advice, call, call, call and fax, fax, fax...when you fax make sure that your name, property address, loan number and last 4 of SS# are on all pages of the fax or they will get lost. Not maybe, but will. Even then I recommend faxing three times, that usually gets it to the right place.