hi, if anyone is/was in the same situation, any of your feedback is really appreciated! i filed for a loan mod with my lender (emc) in nov. 2009. i was in chapter 13 back then. been calling emc bk dept almost every week to follow-up on my mod, and everytime, they say it's still in process. they even have not put me on a trial payments or anything. then on april 2010, i converted to chapter 7, can't keep up with my chapter 13 since the monthly trustee payment is actually higher than my original mortgage.
so i have been getting the same answer from emc bk department, that my loan mod is still in process, they just advise me to keep on calling every week. three weeks ago, my lender sent a notice to file for motion for relief from automatic stay. the hearing will be tomorrow. it's filed by citibank (trustee of the investor, STRUCTURED ASSET MORTGAGE INVESTMENTS, BEAR STEARNS ALT-A TRUST).
so what do i do from this point on? i know that i have no defense and the motion will be granted. the lender can then pursue foreclosure proceedings. after the motion is granted, do i call the lawyers of citibank, and ask them when will they set the trustee sale, and if they can postpone it since my modification is still under review? or should i contact the chase executive team for help on my modification?
i live in CA.
thank you in advance for all your feedback!