So i got my first modified a year ago after several years of fighting with them when they used to turn me down for modification again and again. I remember i used to call them every day during those years. Anyhow, I owed 34 grand on my 2nd and decided to follow Tom Eason and wait for settlement. few months ago they sent me letters for approval for 2mp but i didn't budge. Anyhow, two days ago, i received a letter stating that "full forgiveness of the remaining principal balance..." ,and they want me to sign and return the form. They will report to credit bureau that I paid in full for less than balance. Also, i have to be in good standing on my first loan.
I'm going to start calling them until i know they have received my letter .
Many thanks to Evan, Tom, Cat and everyone!!!!!