[drose]

Not sure about the nudging, but I did make a follow up "phone appointment" once, and ended up talking to a different person. Unfortunately, the "clock ticking feeling is completely natural, but not going to go away. Just make sure they have all of your info at NACA, and that your status on the NACA website says "Submit to Servicer - Restructure".

Then you wait and hope. Remember, the delays are not just on NACA's end, but with your lender and investor as well.

Good Luck - and keep checking in with the boards. It will help you in more ways than one!