[iulloa]

Thanks for replying to my post! We are in Florida. This IS a refinanced loan. Our original purchase was in 2005. We refinanced almost 2 years ago in November of 2007. The bank that we refinanced through went bankrupt LITERALLY the day that we closed. They closed their doors along with 80 other banks that same month. If you remember a few years bank when all the small banks started going down....that's when my bank that refinanced my loan went under as well. Our loan was bought by Countrywide which is just without words and a totally horrible story which is now with BofA which is just as bad! It seems like when our loan was taken over by BofA our papework was lost or something happened because now when we call the bank and they ask you to verify information we are told that our social security number does NOT match what they have on file.
As far as hardship, yes, we do have what I consider hardship, you give me your opinion please... In January, our home was robbed, totally ramsacked. We had thousands of dollars in damages and in theft losses that weren't completely covered by our insurance company. We have the police paperwork as well as all the court proceeding and Subpeona's to prove all of this as the theives were caught and we have to testify in court. Becuase of this, we fell behind two months. We again picked up in March and have been paying every month since then. However, the two months we didn't pay are still just not paid and we don't have the income to catch up. This payment consumes almost 70% of our income and we are just plain tired of not having any quality of life.