First off my kudos to all of you for enduring the misery the "banksters" are putting you through. . .
I am self employed and my husband is disabled. . .We went Ch 7 non reaffirmed in 2008. . .in CT. . .With the help of Cat and all on this wonderful site, I rec'd a perm mod from Citi in 2009. . .we were ok until our homeowners insurance was canceled and Citi put us in "forced policy" cost us $4824. . .
Fast Forward: In Jan I requested PRA or another mod. . . .after submitting all docs 3X and the countless calls dropped, not available etc. . . .well, you guys know the drill. . .the underwiter called me and stated that we were denied due to lack of income.
We are in default and Citi demands past due plus late fees etc. . .Total: $8,381.65
Yesterday I called my ERU rep and she said I do not qualify for a repayment plan.
I can come up with approx $5,000 . . .does anyone know if they will accept it?. . .I'm getting mixed info on this one.
On a call last week with my ERU rep she asked me how much can I pay?! . . .
Thanks to all . . .I hope ya all have a Blessed Fourth Of July! . . .My Prayers to all who need help on this site. +gmazz