I just want to say first of all thank without everyone here on these boards, I truly don't think we would have had the where-with-all to continue to doggedly pursue this resolution to our mortgage dilemma.
Finally, yesterday, we received the papers giving us the new modification offered by the Dept. of Justice. Our first trial payment is due soon and then 2 more after that. Our payment was reduced by over $400.00 and it now includes T/I.
It stated "If you complete this Trial Period Plan by making all payments as outlined below, any past due late fees will be waived, interest and advances that we paid on your behalf will be added to your principal balance, and your loan will be brought up to date . We will then permanently reduce your principal balance by the amount of $38,###.##.
This also stems the FC that was initiated over a month ago. Oh, happy days!!!!