laurap,
Yes, you can request to renegotiate through NACA, or NACA will do it for you. You will probably have to resubmit to them again. Unfortunatly,
CW/bofA operates with a left hand and a right hand. They know nothing of what each other does. You will get those computer generated letters for loan default and such. Will they go all the way to forclosure???? I don't know but I hope they won't! I am getting ready to go to 4 mos. behind and have rec. the letter of default. Whats next???? I hope they get their s**t together and get going on the back log of mods. We were submitted in June so I don't look for anything right away. Oh well..... all we can do is wait and try to stay positive...........