ihave had my loan with countrywide for a little over a year. In Nov of 2007 my husband lost his job and we became delinquent on our payments,there was not enough income to make the payments i called countrywide and let them know this and they said they were going to send me a repayment plan. I never heard from them now i got a letter from countrywide saying that my loan was reffered to a foreclosure management committee for review. I called the 800 # on the letter and was told that my home was in the beginning stages of foreclosure but it did not have a sales date so the rep asked me if my husband was now working and i told him yes so he said i was prequalified for a loan modification and all i had to do was send my husbands check stubs and a negotiater would get back to me, also he said he was going to order a reinstatement fee just in cases i was not approved (what is this?) i have to call back in 3 days to get it. I faxed the paperwork in that same day and called to verify that they recieved it and they said they had to wait for a phone call within 30 days. Two days later i recieve a certified letter that is a notice of default and election to sell under deed of trust it gives me an amount to pay to become current but when i spoke to the rep he said i could not pay the past due amount not to send anything until a negotiater called me. I need help on what to do and how to ressolve this my husband has sold some equipment and i have (removed) should i use it to get out of foreclosure or wait i'm scared if i wait around it will get to late but meanwhile i am gonna call them everyday. With my husbands new job we can afford to keep up the payments. Please if you have any advice please email me back!