[CHANLY]

I agree it's BS and when I was talking to the lady she asked if I was prepared to make July payment and if the money was from my paycheck. I told her I was prepared but it was only 2 days away. At this point I just want to get the ball rolling, I figured trying to delay the first payment would only delay the permanent modification at the end. Everyone I have spoken with about the due dates seem to say there is a grace period. We'll see, I doubt the packet will even arrive by Aug 1 at this rate.