$%$^$%. CW/BofA/Fannie Mae Loan - HAMP request Denied because too much credit card debt????!!!!

[QuayzyCrazy]

#$$@#^#$%^&#$&
This is unbelievable. I just received a call from Cristy McGowen saying that my request for a Modification has been denied because I have too much credit card debt (????? really?). She even suggested that if I stop paying all the credit cards I do have enough money to pay the mortgage so I don't need a HAMP. I clarified that I have too much credit card because I've been trying to make ends meet. She said that I needed to talk to all the credit cards an make arrangements with them and get help from them before I could get a modification for my mortgage. I said that I don't see that anywhere in the guidelines. She then said that my HOA fees are too high and that it was my choice to buy an apartment with such fees, so the bank and the investor cannot help me! I then answered that when I bought the apartment those were the exact same high HOA fees and the bank was super eager to accept my loan and take my money back then. I was making enough 2 years ago and not anymore. She then said that my income vs. my PITIA is way below the 31% and that is definitively not true.

My monthly household income is $5962 net
$459 Principal and Interest,
$326 Taxes and Escrow,
$75 Insurance,
and $1225 Homeowner Association Fees
for a total of $2085.

31% of my income is $1848.22
I have $6437 in expenses and I'm only getting $5962.
My Debt to Income is 107.97

What the hell???? #$%@&%@$! Outrageous!
She even said that if I didn't get the monthly help from my parents that I would be in a very difficult place to have enough to get by or to get an approval. I know that. That's why I'm getting help from them! She accepted that because my status is current I could request a modification but the investor doesn't need to approve or work with me for the same reason(????). I asked her if she was totally certain about that statement and she confirmed. When I told her that I had done the Net Present Value test, she actually challenged me and asked if I knew what I was talking about. I said No beacuse I'm not an expert in finances nor in formulas. I'm just an architect trying to get by with confusing guidelines that are supposed to help people. All what I know is that my property is about $120K thanks to all the other properties in my condominium and neighborhood facing foreclosure if I wanted to do a shortsale. The price I paid for this aparment was $310K just 2 years ago.
In my book it is clear that I qualify and that in the guidelines it is either black or white. To this she said that it was black for me in my case because I had too much debt and asked me that since I have read all the guidelines-in very patronizing language- that I should know that the bank doesn't need to help me. I responded that all what I know is what I read. I know I qualify, I know my mortgage payment is too high when comparing it to my income and I know the guidelines are clear. Nowhere in the guidelines it says that I will not qualify because I have too much credit card debt. I requested to have all what she was stating in writing but she said that all what I would get is the denial letter. I said that I've been trying to get a modification for many months and I had talked to a HUD counselor and a CCCS counselor and that they had preliminarily said that I qualified. She said that she doesn't know about that but that I needed to set my priorities and pay my mortgage before anything else. Funny because that's precisely WHAT I'M ALREADY DOING!!!! Duuuhhhh!

I really got very upset with this call. If I didn't have problems I would not be asking for help. She also insisted that I'm current so the investor -Fannie Mae- doesn't need to work with me and that she could not tell if I have always paid my mortgage as my priority. I said that I have done it until now but that perhaps tomorrow, when my payment is due, it will be the first time that I will not be sending my payment before anything else because I need to find a way out and I need people to be willing to work with me if I'm abiding by the rules. I'm asking the investor to work with me but, no, I'm not going to let the bank and the investor stick the finger inside my nose just because they feel they are in better position...

Honestly I'm very dissapointed, but I confess after reading for so many months all the things that others are experiencing, that I'm not surprised. I told her that I expected to get the letter from her with their specific reasons for my denial for a HAMP and that I was going to work on my spreadsheet because I know that even if I paid nothing to my credit cards, or even if I made as twice as much in salary I was still facing financial hardship. I do have financial problems to keep myself current and that if any findings that I would try to send an e-mail, fax or call to inform them.

She was plainly not cooperative and she was challenging/doubting/questioning everything I told her, so I got in the same mood. I don't trust what anyone from the banks may tell me anymore specially when using confusing language that makes us think and feel that we are committing a crime by accepting that we have a problem with paying a mortgage, when all the crime that we have done is to have bought a home. I ended my conversation by saying that obviously someone is trying to make things more difficult just to confuse people, to discourage them and to avoid negotiating and helping the people, which was supposedly the ultimate goal of the MHA, but with discriminatory new rules everyother day, it's clearly impossible to get any help. I said that I'm doing my homework and I've been doing my homework and that I will continue doing my homework. I'm reading all the HAMP guidelines that every other month are being published and that it is ridiculous that the government doesn't have this act together and they are not willing to make sure that the banks take their share of responsibility for this mess. To the banks it's only us the little people who made a mistake.... And to the Government, it's looks good to say that they are helping the people with bogus numbers when in reality this process is clearly a hoax. I said that this is just a wasted time. She said that she has only had the file with her since October 10, to which I said that it was true but the fact that BofA never acknowledged all the other faxes and requests that I 've sent since May of this year is not the ideal scenario. She said that she could only talk for herself and then said that she was going to talk to the investor but probably by tomorrow she will be calling me back with the same response because she knew that because I have not worked out my debt with all my other creditors, the investor will not feel the need to work with me and help me.

Ridiculous and totally stupid. AzOwner, Ama, Moe, and all the other senior members of this forum, could anyone please tell me what is the part that I'm missing, because I thought that credit card debt is independent from the needs to pay the mortgage for a HAMP?

And by the way, I thought I read today in this forum that even if I didn't qualify for HAMP I should be offered some type of help according to Fannie Mae, so I guess Cristy forgot to mention my other options too.... How convenient to give very biased information! The banks are taking advantage of their position and not revealing all the information.

How can I keep fighting for this HAMP?


According to a PDF from Fannie:

Clear steps to modification

��

Target: 31% of gross monthly income:

��

Reduce interest rate to floor of 2%

��

Extend term up to 40 years

��

If necessary, forbear portion of principal

��

Calculate NPV

12

��Borrower must complete trial period

If you have a Fannie backed mortgage and don't qualify for HAMP you MUST receive a 6 month forebearance? REALLY? Is THIS happenning?

Fannie Mae tools to prevent foreclosure

��

HomeSaver Forbearance™

□

Six-month forbearance for borrowers who do not qualify for
Home Affordable Modification

��

New workout hierarchy

Temporary hardship

1.

Forbearance

2.

Repayment plan

3.

HomeSaver Advance™

Long-term hardship

1.

Home Affordable Modification

2.

HomeSaver Forbearance

3.

Other forbearance

4.

Modification

16

5.

Pre-foreclosure or short sale

[fredk]

I think they base the 31% on gross income not net.

[ama125]

fredk is right, it is 31% of gross monthly income, not net. So let's start there...what is 31% of your gross come out to be? Now, take that number subtract out the HOA fees, taxes and insurance and that is all that would be leftover to go towards principal and interest. They would have to restructure your loan in such a way that the P&I would work out with those figures. It is hard for me to give you any estimates not knowing the terms of your current mortgage (unpaid principal balance and current interest rate, loan term, etc). Have you plugged your numbers into the FDIC calculator? If not, let me know and I can direct you to that NPV model.

As for the credit card debt, that has no bearing on qualifying...only on whether or not credit counseling would be required if the debt to income ratio is over 55%.

Fannie Mae has retired the HomeSaver Forbearance program effective 10/31 and has replaced it with a new Payment Reduction program, so the loan workout hierarchy has changed. See here for details: https://www.efanniemae.com/sf/servic...tfactsheet.pdf

I am so sorry for the frustration and the lack of good, detailed explanations from the servicers. I will do what I can to assist you or shed light on your situation. Hang in there and keep your chin up! I got denied the 1st time and offered the forbearance (declined it due to a recent increase in income). Made a 2nd attempt with a housing counselor that went nowhere. My 3rd attempt resulted in a denial but hubby got another raise. So now, on my 4th attempt and finally got the pre-approval and a big part of it was getting my property taxes lowered. You have to understand the key elements to passing NPV, easier said than done so much of it is speculation. Let me know some more details. If you don't want to post it here, send me an email at ama125@psualum.com.

Virtual hugs to you! Go do something to de-stress yourself so that you can sleep tonight. It will be okay.

[so-cal-gal]

Keep in mind that some of these people with BofA really have very little training in doing modifications. They may have originally been working in the loan collection department that is now expanded to act as 'Home Retention'. Or she may have been more recently hired.

BofA does not WANT to produce a lot of modifications. Christie seems to be one with a very biased attitude. She will probably get high marks from her supervisors for successfully refusing as many mods as possible. I know there are supposed to be goals of a certain number of MHA mods that they were to do, but Christie is the perfect example showing that BofA prefers to give lipservice to making the goal. IF BofA really was committed to making the government goals, darling Christie and a certain ninny in the OOP should be shown to the unemployment line themselves. That could actually help Christie's attitude!

[dan m]

Fred is right . so that x's you out of obama's plan. the mention of cc debt makes me think that she ran your loan for an in house mod. the fact that your current also removes you from some programs. to end with why are you arguing about something that you yourself said that you no information on. there's tons of people that haven't and probably will not speak with a negotiator-and your acting like a jack ass over the phone. hamp stuff
links for you
Humble Definition | Definition of Humble at Dictionary.com
https://www.efanniemae.com/sf/servic...tfactsheet.pdf
Making Home Affordable - Home
http://www.treas.gov/press/releases/...guidelines.pdf
FinancialStability.gov | U.S. Department of the Treasury
https://www.hmpadmin.com/portal/news/announcements.html
https://www.hmpadmin.com/portal/prog..._servicer.html
FDIC: FDIC Loan Modification Program Guide – "Mod in a Box"

[QuayzyCrazy]

Gross for something and Net for other things? Fredk, thank you for your response. Hummm.... I'm really getting crazy here dealing with all this. Ama, thank you for your guidance! I'm really desperate, so since you are offering it, I'm going to send you an e-mail with all my queries, but allow me to do it tomorrow if possible. I do appreciate your willingness to give me a hand. My computer at home died and I really need to leave the office now. I need to sleep and rest and also study, and lately I'm not doing any because I'm obsessed with this whole process...
I must get to understand how to fight this battle right. So far we are surviving because I'm begging my family for help each month but I cannot keep doing this for much longer. I really don't know how else to put this together that is right, accurate and I need my numbers to work for us, and not against me. It's kind of odd that now I'm apparently making too much money... How unreal this whole process can be, right?!!!.. And for now all what I can think of is that I'm getting tired of the daily soup can for lunch and that I feel deeper and deeper in this whole each day! If I could just sit back and walked away... (it's not what I want but I need the bank to work with me... Otherwise just to continue paying for an underwater property because of pride and ego -and not because it's financially sound- really doesn't make sense anymore.... I already short sell my other property a couple of months ago and definitively lost a lot of money after that transaction (all my savings). All what I have left is this roof and it is totally underwater. And there are no savings left... Pathetic!

[QuayzyCrazy]

Dan, I was acting like a decent human being under a lot of pressure and I just defended myself when this lady was not willing to explain to me why I'm supposedly so wrong with my numbers (I still need to confirm). I'm not sure I understand your language and I will really like to ask you to refrain from making arbitrarily comments if you don't know all the details. I also have talked to counselors before. They have told me that I qualified for a HAMP based on the same numbers that I gave the bank but BofA never acknowledged any of my previous HAMP requests sent via fax before.
And if the information is not clear, like it apparently is, then one is lead to make mistakes. I can see that you are in a much better place, but please do not forget that I'm not the only one confused with this whole process...
BTW, I really like you Humble definition link. Odd that you are precisely talking to me of that. Preaching very loud but not applying, right? About all the other links, I already had them as "FAVORITES", but in any case thanks for your contribution.

[dan m]

everyones going thru the same thing here. relax and get your priorities in line. what do you need what do you want . good luck

[yomann]

You stated your Principal and Interest is $459.
Your total monthly cost of ownership is $2,085.
31% of your income is $1848.
So, it they reduced your monthly payment by 2,085 - 1,848 = 237/mth, would that solve your problem ?
That would mean your PI payment would be reduced by (459 -237)/459 =48%.
That's the only money the bank ever gets to keep. (not taxes, ins. or HOA)
They really can't do much better than that ?
It is obvious your HOA Dues are killing your budget (hence the banks comment), and I do realize there is nothing one can do about HOA dues.
Sorry, if I misstated your position.

[QuayzyCrazy]

Yomann, you are right. The HOAs are killing me, I know that. Believe me. But here in South Fla those HOAs were and are kind of normal and that's why we went for this apartment. A couple of years ago, this amount was workable. Since then, husband lost job, we had some other personal health problems and now with me after several paycuts, I ended up in a not very comfortable position and unfortunately I digged myself into credit card debt.

From what I'm getting here, I included gross money (contributions by family members to my income in addition to my gross salary) but since all that gross income is not worked against actual net or verifiable every day normal expenses and PITIA obligations, then I may actually be naively increasing income when compared to expenses, and thus affecting myself for evaluation purposes. And to reduce my credit card expenses/payments I will have to talk with debtors to negotiate or just stop paying them.

$237 dollars will help... Anything right now will help...

[litehouse01]

If your loan is owned by fannie mae or freddie mac they cannot deny you based on back end dti over 55% what it states is you have to go to hud approved mandatory credit counseling...as far as in house mods I always thought they were less restrictive.........this is quite honestly the first denial come thru for credit card debt.....I don't know if you have any charge offs but they usually don't count those

[litehouse01]

I would actually get a good nights sleep and call another rep tomorrow and speak to them or ask for a supervisor and tell them how you were treated and if you don't get satisfaction file a complaint.....we all have financial troubles or we wouldn't be on this site and in the mess we are in..there is no sense in beating each other down...we are all here for each other

[so-cal-gal]

Originally Posted by yomann

You stated your Principal and Interest is $459.
Your total monthly cost of ownership is $2,085.
31% of your income is $1848.
So, it they reduced your monthly payment by 2,085 - 1,848 = 237/mth, would that solve your problem ?
That would mean your PI payment would be reduced by (459 -237)/459 =48%.
That's the only money the bank ever gets to keep. (not taxes, ins. or HOA)
They really can't do much better than that ?
It is obvious your HOA Dues are killing your budget (hence the banks comment), and I do realize there is nothing one can do about HOA dues.
Sorry, if I misstated your position.

Fannie Mae announcement of a lease-back plan just today may be the best solution for this case.

Hmmmm, I need to double check on how they were to use it but I know that the HOPE negotiator asked specifically about HOA fees. I believe they ARE used in the calculation, so that may change your conclusions a tad.

I am a bit curious about how the HOA fees could be higher than all the other fees combined.

This may be a property that will only see the HOA fees go dramatically higher as other condos are abandoned or are in foreclosure with noone paying the fees (or collection processing being required at additional cost/delay). I really question if this condo ownership is really worth attempting to keep. I can not imagine the fees being this high and the owners not acting to get the costs under control. But the developer may still have control of the HOA fees and the board.

Since Fannie Mae just announced the new program where you give them the deed and agree to lease the property back, why not go that route and negotiate a rental rate more on par with the mortgage payment without the HOA fees? Leave Fannie to pay the fees while you stay put.

That way you don't have the hassle of trying to do a short sale (which CW/BofA is notorious for blocking anyway). Since Fannie Mae announced this new program, it looks like a better choice that either modifying this loan OR doing a shortsale.

[MyHAMP]

Just as general info, I'd like to point out that CC-debt - although not mentioned as a factor in the HAMP guidelines - is considered under NPV (minor factor) so it might play an indirect role. Certainly not in this case though.

[davephx]

You should show on the budget only the cc amounts you plan to pay... even if none to get your budget to about a 200 surplus if possible.

Unless I missed it I don't find your current mortgage balance. That may be the problem if only $459 is available will it amortize at 2%/40 years is a key question. However, that doesn't seem to be the issue that was raised.

I agree with MyHAMP that the cc debt SHOULD be a minor issue

[hope67]

Unfortunately, they base the 31% on gross income..

I'm simply stunned that the HOA charges you $1225 a MONTH!!!!!!!!!This is outrageous! A friend of mine owns a condo in a community with golf course, swimming pools, club, restaurant on a lake, a guarded gated community where no one can get in without a visitor pass they have to present to the security guard at the gate, her HOA is $280 a month, which I consider too high!

[ama125]

I can somewhat relate but in a different way...the first time my negotiator ran my numbers, his exact words were "your taxes are killing you". I was paying roughly $1165/mo. Since my home has lost value, I appealed the assessment and estimate that my taxes for 2010 will be $842/mo (yes, I know that is still a lot). However, this makes a big difference in the calculations for NPV.

As for the CC debt, for HAMP, they pull the credit report and verify the minimum payment amounts per month from that. I told my nego we weren't paying them so they should not be counted, same thing goes for a student loan that I have on hardship forbearance right now. Nonetheless, he told me they would get factored in, regardless of me paying or not, and that is a big factor in their in-house mods in being able to demonstrate ability to pay.

Quazy - please post your details here regarding current mortgage so that others besides just myself can take a closer look for you and try to give you some solid input on how to proceed. My opinion is just one of many out there and there are so many smart, knowledgable people on this forum that could offer their suggestions. Hey, we could be the "mod squad"! Anyone wants advice on which route to go, ask the mod squad!

[QuayzyCrazy]

I do appreciate all your comments. Still, I’m confused. All what I know is that I don’t make enough to pay my Home. I understand that the other debts are already affecting me but I’m working on them on a separate basis. When this lady said that my mortgage dues were way below the 31% bracket to qualify it’s when in reality I got totally dizzy, disoriented and upset. I felt that she was talking to me in Russian. She actually said that I was around 18%, so that’s when I started questioning which numbers she had, and the she said that I gave them the numbers. I always thought that I qualify for a HAMP so I disclosed every penny I may get in a month just to find a fair response and help. I decided to send my documents to OOP on my own because thru CCCS and HUD after 7 months I got nowhere. Both agencies said that I qualified. And I sent my paper and hardship letter following everyone’s advice in this forum. I don’t know how or why I ended up confused and using my Net Salary income combined with all the other contributions instead of my Gross Income but I’m positive this was after getting advice from one of the counselors or BofA Loss Mitigation or customer representatives over the phone.

Being the case that per your comments I need to use my Gross Salary now for the calculations, here are the numbers:

My Gross Salary is $4050 monthly. I’m reading here in this forum that any family help I may be getting need to be included as Gross and not as Net (please confirm!), so with 2900 from family, I have a total of $6950 as GROSS Monthly Income
31% of this Gross Income is $2154.
Escrow Taxes, Hurricane Insurance, HOA + Condo monthly fees = $326 + $75 + $1225 = $1626
P+ I =$953.95.

If I deduct TIA of $1626 from the 31% Gross Income $2154= $528
If Principal and Interest is $954, when deducting this amount from what is left after TIA, I have -$426 dollars.

I think the help from parents ($1900) is also not helping me, because it is “inflating” my Gross Income, and my family already told me that they cannot continue helping me anymore. The other problem that I see is that I told BofA that my husband gives me $1000 (which needs to count as Gross, right?). He is self-employed and he lost his job a while ago and unemployment is already over. In reality, he gives me -$100 because he must give his ex-wife $1100 for child support, so that number should have not been included, right?


I bought our 2 bedroom, 2 bath, 1495 SQ. FT. apartment just 2.5 years ago for $310K (and it was a wonderful deal back then). More or less we paid over $150K cash and I got a conventional loan for 30 years with a 6.125% fixed rate for the difference ( I had to pay points because the broker was pushing for one of those unconventional loans but I thought that it was better to know and have the exact same amount for the rest of the life of the loan). I’m the only one in that note. Right now I owe $151K. I have 27 years and 1 month of Actual Remaining Terms left and 27 years and 8 months of Contractual Remaining terms (and I do not understand why this difference between Actual and Contractual terms???)

Nothing is happening in my area. The real estate market is totally upside down and underwater. Cyberhomes and all the other websites say that I cannot get more than $110K to $120K if I was to sell this apartment today (extremely distressed area and a lot of properties around are in pre or foreclosure stages, and obviously the super high HOA and Condo Association Fees don’t help me at all. The forecast is that the market is still going downwards).

About my credit card debt, yes it is high. I robbed Peter to pay Paul trying to catch up with all the expenses. I have paid for doctors, food and primary necessities. I don't drive an extravagant car or having the wonderful life. My monthly payments to CC are high because I used some of those convenient transfer balances checks and if I don’t pay a certain amount after a certain time my interests will go even higher, and I'm trying to avoid that. I’m trying to deal with all my debts but my mortgage has always been the priority. I will continue calling the credit cards to negotiate my debt. My credit score is still in the high 700 because I have always been responsible, until now that I feel I’m totally trapped… and I'm current in my morgage as of this moment.

So please, please, please tell me where is the missing link. I feel totally overwhelmed with this whole process and I honestly don’t know what else to do anymore. I need to keep fighting and get a lower payment so I can survive.

So this is where I am right now…(sighh)... Thank you in advance for your valuable input and comments.

[dan m]

familiy help doesn't need to be included unless it's documented rent.
4050 gross x .31=1255 then take out your taxes and stuff 1626.=-371. they can't lower your p+i payment to that. get your property reassessed and i dont have an idea for your hoa dues .

[fredk]

Please stop and take a moment to relax.

If you want people here to help you you are going to have to give us accurate numbers.

In different posts you have said your P&I is $459 and then you tell us it is $953.

Tell us exactly what your income is and what your mortgage expenses are.

All the extraneous information you are providing is just clutter.

[hope67]

If you only use your salary you won't qualify due to the HOA fee being $1225. Your gross salary is $4050, 31% of that is $1255, so you will have $30 left for P&I, tax and insurance.

Is your P&I $459 or $954? I'm thinking the $459 in your intial post is a typo!

[cjbory]

Here are my 2cents.


Your HOA's are crazy. Question for you. Are u in one of does resorts that the HOA's includes everything (electricity, water etc). If you are then part of your HOA's are your household expenses and should be note it as that. If not then you are between a rock and a hard place. Sorry I know is hard and probably not what you are looking for but there is no way the bank is going to lower your P/I to compensate for your HOA's. The other thing is that is working against you is the amount of money you gave down. You stated properties are down to about $120k and you owe about $150 so not much incentive for the bank to work with you.


I say stop paying mortgage and pay off your cc cards and let the bank take the apt. Better yet don’t pay the association and stay in your house for longer by paying the bank. The association will take at least a year to foreclose on you. You have to play the game.


Sorry but is the way i see it.

[cjbory]

Originally Posted by cjbory

Here are my 2cents.


Your HOA's are crazy. Question for you. Are u in one of does resorts that the HOA's includes everything (electricity, water etc). If you are then part of your HOA's are your household expenses and should be note it as that. If not then you are between a rock and a hard place. Sorry I know is hard and probably not what you are looking for but there is no way the bank is going to lower your P/I to compensate for your HOA's. The other thing is that is working against you is the amount of money you gave down. You stated properties are down to about $120k and you owe about $150 so not much incentive for the bank to work with you.


I say stop paying mortgage and pay off your cc cards and let the bank take the apt. Better yet don’t pay the association and stay in your house for longer by paying the bank. The association will take at least a year to foreclose on you. You have to play the game.


Sorry but is the way i see it.

Let me go back for a second here. Not advising you to stop paying. Note that there could be implication like bank or HOA coming after you for the money they did not collect etc.

[QuayzyCrazy]

Originally Posted by hope67

If you only use your salary you won't qualify due to the HOA fee being $1225. Your gross salary is $4050, 31% of that is $1255, so you will have $30 left for P&I, tax and insurance.

Is your P&I $459 or $954? I'm thinking the $459 in your intial post is a typo!

My bad. Sorry about the confusion. I guess it's a typo.... the correct number should be $954 for P+I and $326 for taxes.

[QuayzyCrazy]

Originally Posted by hope67

If you only use your salary you won't qualify due to the HOA fee being $1225. Your gross salary is $4050, 31% of that is $1255, so you will have $30 left for P&I, tax and insurance.

Is your P&I $459 or $954? I'm thinking the $459 in your intial post is a typo!

Originally Posted by cjbory

Here are my 2cents.


Your HOA's are crazy. Question for you. Are u in one of does resorts that the HOA's includes everything (electricity, water etc). If you are then part of your HOA's are your household expenses and should be note it as that. If not then you are between a rock and a hard place. Sorry I know is hard and probably not what you are looking for but there is no way the bank is going to lower your P/I to compensate for your HOA's. The other thing is that is working against you is the amount of money you gave down. You stated properties are down to about $120k and you owe about $150 so not much incentive for the bank to work with you.


I say stop paying mortgage and pay off your cc cards and let the bank take the apt. Better yet don’t pay the association and stay in your house for longer by paying the bank. The association will take at least a year to foreclose on you. You have to play the game.


Sorry but is the way i see it.

No, not everything is included. Only water. I pay for cable, electricity, phone, etc. It's just a very stupidly expensive condominium... that has HOA Fees + Condo Association Fees... I don't know what else to do....