Failure is not an option for us.... - Page 2 - Loan Modification Forum

FLgata · 03-07-2009, 04:22 AM

Quote:

Originally Posted by Cassietw

How do I know what number they are going to call? Can I call them and tell someone what number to call? I will be at work, the loan is in my hubby's name and I want them to call me on my cell if possible.

Or, will they call the house??? Boy, maybe I will leave work early and be home just in case........

I wanna do this right....

If for some reason you can't change your contact info, or you just want to be sure you receive the call on your cell phone, you could forward your land line to your cell for that day.

Cassietw · 03-07-2009, 08:17 AM

Well, it looks like I am schedule an appointment illiterate. I scheduled an appointment for Monday at 5 pm. I thought it was for phone appointment because there was a second link above that said "click here for a face to face appointment".

Now when I click on the appointments, it says I have a face to face appointment..... No option to reschedule, no option for different times or dates. My big question is.... WHERE????? It just says I have the appointment, date and time...nothing else, nada...

LOL....I think I need NACA 101. I will probably have to call them to get this one figured out. I hate that I have to do that....OOOH Maybe I can do their live support.....says they are offline right now though...

Gotta run, on my way to Long Beach to Standby for the workshop.

FLgata · 03-07-2009, 08:24 AM

Quote:

Originally Posted by Cassietw

LOL....I think I need NACA 101.

Gotta run, on my way to Long Beach to Standby for the workshop.

"NACA 101"...Too Funny, lol. Good Luck Cassie! Keep us posted!

MP927 · 03-07-2009, 10:27 AM

Quote:

Originally Posted by Cassietw

Well, it looks like I am schedule an appointment illiterate. I scheduled an appointment for Monday at 5 pm. I thought it was for phone appointment because there was a second link above that said "click here for a face to face appointment".

Now when I click on the appointments, it says I have a face to face appointment..... No option to reschedule, no option for different times or dates. My big question is.... WHERE????? It just says I have the appointment, date and time...nothing else, nada...

LOL....I think I need NACA 101. I will probably have to call them to get this one figured out. I hate that I have to do that....OOOH Maybe I can do their live support.....says they are offline right now though...

Gotta run, on my way to Long Beach to Standby for the workshop.

Please let us know every detail!

Cassietw · 03-08-2009, 01:34 PM

THE NACA WORKSHOP!

Ok, this is how it went... We were told to go an hour ahead to be on standby in case people who were scheduled did not show up. They book about 300 people twice a month in the LA area. For three counties, they only have one NACA office, so I think mine is gonna take a while. Anyway, we could have just shown up on time and not an hour early as they didn't take roll-call or ask if anyone was on standby....we could all just take the booklet and go in.

The workshop included people that are in the process of buying a home and the Home Save program. There were twice as many people there to start the process to buy than the Home Save program. The worshop was 4 hours with a 15 minute break in between. They went back and forth between the purchase data and the Home Save program which made it hard to follow a bit, but.....I know all about their purchase info so I can tell friends who do not own yet...(NACA has the best program I have ever seen!)

Anyway, it basically went over all the on-line steps that need to occur. It seemed to me that the workshop is pre-on-line steps. I had already done all the steps and submission. So I actually think I didn't have to go to the workshop. But it went over everything in depth that I have already read and I have more certainty on what needs to happen. At the end of the workshop, you fill in your attendance sheet and they say they will email you your NACA ID in one week. Well, we already had one, so I wrote ours on the top of the attendance sheet and spoke to a counselor who was surprised I was at the workshop since I already had an ID and had submitted all the data. But said it was good I came. I also discussed the confusion with the appointment, they said it must be a mistake as the Home Save people only have an over the phone consult and someone would be calling me.

I do have to say that thye need all the help they can get! If you can contibute....do so. I am gonna try to do more than 5 functions this year. they showed videos of some of the things they have done to curtail predatory lending, and since the help from them is free, I feel I owe it back to them ten fold. It will feel good to contribute to a group that is doing so much for communities.....Our government should attend and take some notes on budgeting!!!

Let me know if anyone has a specific question.....

I will see if I can answer it.

Dare to be right, Dare to be rich, Dare to win this fight!

teenut · 03-08-2009, 06:30 PM

Cassietw,
I am with you on the participating with NACA. Even if they cant help me, I would still give my time. All the things you hear and read about them, they are doing great things for homeowners and home buyers. It would do me good to be part of a solution to this horrible mortgage mess, and with more than 6 million people due to loose there home this year, I know there services are going to be even more in demand. The more people that volunteer means more homes being saved. And since this is such a personal issue for all of us here, we know its about more than just helping to save homes.

emorybetsy · 03-08-2009, 10:12 PM

Cassie
Let me start by saying I am no expert but I wanted to make a suggestion, you can take it or leave it, and I hope you don't take offense.

In you original post you mentioned that you have begun to accumulate alot of credit card debt, due to your mortgage taking up so much of your income, I'm sure. I am in the same boat, I think most of us are.

So I want to suggest that you keep an eye on what is going on with the new bankruptcy laws. They are trying to make it possible to save your home in court as a last resort. As you already know, CW is going to put up a fight and you have so much to lose.

So, I think you should keep going with NACA, keep an eye on changing bankruptcy laws, take a good look at your total financial situation and determine whether you would benefit from reducing both your mortgage and eliminating your credit card debt. You may need to tackle both of these issues to get the financial stability you and your family need. I know if someone had suggested this to me just a year ago, I would have said no way! It went south really fast and now I have to say there is no other way for me. I wish you and your family the best.

Cassietw · 03-09-2009, 10:16 AM

Hi emorybetsy,

Actually, BK is not a route we want to take unless there is absolutely no other option. We got ourselves in a bad CC mess about 10 years ago and got ourselves out of it. After that, I decided we should not have more than one credit card. We caught everything up, got our credit scores back into a good range and went down to 1 card. When the kids got sick and I couldn't work for 8 months, and we could not go back to traveling to maintain our income, we applied for additional credit. In all we only have about $7,900.00 in credit card debt. It really isn't enough to consider a BK. But we are maxed with what we have and since all the recent late payments, we couldn't get another one if we tried. In fact, we did try to take out a $7,000.00 loan to consolidate and pay off all but one of the cards and have just 2 payments, but we could not get approved. This would have lowered our monthly payments to half of what we have to pay monthly now.

Thank you for the post, I am not offended at all...

Dare to be right, Dare to be rich, Dare to win this fight!

Cassietw · 03-09-2009, 02:12 PM

I need to VENT!!

Some days seem to worse than others for me!!! Today, I am a nervous wreck! It makes it hard to focus at work. And I can't afford for it to affect my job!

I looked at my budget and I don't think we are gonna make the payment by the 16th unless I borrow more money. I don't want to destroy our credit worse than it already is. I don't want to have to borrow money...I don't want to have the late fee....as soon as that happens, it's over! There will be no way to catch up!

I called CW again. I keep calling them to see if they will have a change of heart. And also, I had a payment change due to insurance going up...(go figure, my home is worth less and my insurance went UP!!) He told me 3 different payment amounts due all within $6.00 of each other. I asked him to confirm then he said it didn't change. WHAT?? I let him know that the website and loan data gave two separate amounts under "Payment Change notification" and the amounts did not match what I received in the mail!!!! Can you believe that??!!

When I told him I need a Loan Mod, he told me I have a surplus of $1019.00 a month! WHAT!!!?? I WISH!!! They listed my Gross as my Net! Idiots! They also didn't have my CC debt and payments correct! We went back over everything and then he said, "oh, we can give you a forebearance".... WHAT?? How is that supposed to help? And he says you are over $700.00 short a month..... WHAT??? Then I went over the financials again and they didn't have the income correct AGAIN!!! Then they said, "oops!!! no you don't qualify for the forebearance or a modification, is there anything else I can help you with today?".....Of course this was India I was speaking to..

They also had no record of my letter of Hardship I sent to them. They said, well what number did you fax it to (as if I sent it to the wrong place)? I looked it up and told them and they said it was correct. But they had no record of receiving it. I think I will re-fax it with a copy of the original fax confirmation! I think I will write, HELP! I'VE FALLEN, and I CAN'T CATCH UP!! on the cover sheet in size 36 font!

Sorry, needed to VENT!

Cassietw · 03-09-2009, 03:55 PM

NACA Appointment:

It appears the appointment I had for today was indeed an error. It was an in-person appointment for new home purchase. I don't really know how that happened! Anyway, I called our local office and we are now scheduled for 12 noon on Wednesday. And they have it to call my cell which is what I needed. Whew!

Also, apparently the call comes from their corporate main location and not from a local area counselor.

I will let you know how the appointment goes on Wednesday.

Tryin' to Chill......

MP927 · 03-10-2009, 10:06 AM

Hi Cassie...go ahead and vent...you know we are here for you!
If I were you I would not even concern yourself with calling CW anymore. Just let NACA help you from this point. You are just fraying your nerves and you shouldn't have to be exposed to that. I know it's hard to let the payment go and you shouldn't if it isn't causing a financial hardship. But if you have to borrow in order to pay it I feel that is categorized as a hardship. We haven't paid a payment at all in 2009. This was unthinkable for our family a year ago. But when you don't have it, you don't have it...you can't squeeze blood from a turnip! We did get our tax refund and we will now pay Jan '09 payment as a good faith gesture to CW. That means we are still behind for Feb & Mar. There's not much else we can do until we find out what NACA can accomplish. We will pay the payments at the moment we have the money saved up. I want to make the payments more than anything but at the proper amount that we can afford.

Oh I was also grateful for you posting your experience about the NACA seminar. And you still have to meet with a counselor in person after that? I wasn't sure if they would take all the info at your first meeting? I did all of that online because we are too far outside of LA.

Keep us posted and glad to see you are chillin'...;-)

Cassietw · 03-10-2009, 03:20 PM

Hi MP927,

Yes, you schedule a phone appointment with NACA to go over everything you submitted. SOmething got screwed up when I tried to schedule my over-the-phone appointment on-line and it scheduled me for an in-person (new home purchase) appointment! Ooops! Anyway, I called our local office and I am scheduled for a phone meeting tomorrow at noon. I will ppost my experience about it tomorrow. I know this is gonna take a while...

You are right, I am having trouble letting go. THe first time I did with our second, I was freaked...it got easier though. This month I paid the second on time for the first time since September. I have paid that one about 3 weeks late each month for the last 6 months or so. The renter I kicked out showed up on Sunday with one of the 2 months rent she had owed me before I kicked her out. That was unexpected! I thought I would never see a dime!! I think we will make it just barely but I will probably have to borrow a couple hundred to float until we get paid on the 26th. My husband and I both only get paid twice a month on the 10th and 26th...... Sometimes it's hard to make the stretch.....

Still tryin' to chill!!!

Cassietw · 03-11-2009, 02:02 PM

NACA phone meeting:

OK, so I had my meeting today. They called me about 30 minutes late, but close enough to the scheduled time. The man I spoke to was very nice. Unfortunately the next meeting will be one of 60 staff, so I have a 1 in 60 chance of speaking to him again.

IMPORTANT:

RE: If you have your property taxes impounded.....

On the NACA website they state you do not need to submit the property tax and insurance information if impounded in your loan. NOT TRUE or NOW CHANGED. They are requesting from me both the tax (bill) and the insurance declaration. (I sure hope I filed them away like a good girl!)

I submitted all my information on 3/06/09. The appointment today would have gone farther if they would have received what I had submitted.

They have no record of my submission, so if you submit, call the main number to NACA and verify they received it and that it is in your file.

I sent mine via the email address provided for my naca ID. I was having problems with the fax jamming.

So, I need to get my Tax and Insurance docs to add to my packet and the Membership Authorization form. (Has to be physically signed by everyone on the deed and sent in.) Electronic version is not sufficient.

My next over the phone appointment is at 5am on March 17th (St. Patrick's Day!)

Hopefully we will then be moving toward a proposal to CW.

Keep hanging on everyone!

Cassietw · 03-16-2009, 08:15 PM

NACA INFORMATION:

Ok, well I have tried to submit my information 3 times. Once by fax which did not go through, so I scanned the information into a pdf and emailed it to NACA. I had my phone appointment only to find out that they did not have my submission. They asked what I had attempted to send and told me 2 additional items needed. Well I sent it again to my NACA email ID and another email provided to me by the counselor. I called NACA to confirm receipt and nothing!

So this time I uploaded it directly from my computer and it worked!

I had an appointment scheduled for tomorrow at 5am. I just checked my email and it said all appointments for tomorrow have been postponed due to the Save the Dream event in SC. It said they had appointments available on-line as early as Wed and to re-schedule.

I go to reschedule and it says I already have an appointment scheduled for APRIL 22nd!! But it is a Face to Face. Face to Face appointments are only for new home buyers and not HomeSave people.....

I am gonna have to call them again and find out what is going on...... Was hoping to get out of the pre-lim stages tomorrow and working toward a mod. Had to borrow to make the mortgage. I just couldn't NOT PAY it.

I think we are at our tipping point. I hate that it got this far but only one car is running and needs work. Haven't paid the credit cards....extension on the utilites and phones.....definately at the end of the rope and no lifeline to grab hold of.....

I hate being a nervous wreck as much as I dislike the word hate....

Anyone else experiencing as much trouble getting an appointment as me? It won't give me another option or an option to reschedule or change what is there...

I know NACA is busy...I'm just a little frantic...

gray517 · 03-16-2009, 08:29 PM

cassie
I logged into my Naca account to try and help you it let me schedule phone appt (didn't actually schedule one)
login into naca go the submission page, you should get the congratulation on completing you submission, look 1/2 way down middle of page it should say

click here for face to face ________________ click here to set up a phone counseling

make sure you click on the one that says phone counseling , it does not show any appointments this week but if you click on next 5 days most of the week next week is open, pick 3 appointments so you have 1st, 2nd and 3rd choice.

Cassietw · 03-16-2009, 08:39 PM

OMG!! Thank you! I would have never clicked on the submission page again and known that! Thank goodness for this site and your help!!!!

I put pics up of my family if you click on my name if you wanna put a face to the name!

THANK YOU! THANK YOU! THANK YOU!

I have an appointment next Wed the 25th at 5am!

Cassietw · 03-16-2009, 08:42 PM

P.S. How do you pick 3? It only let me choose one.....I feel like such a NACA dunce! LOL

gray517 · 03-16-2009, 08:57 PM

Quote:

Originally Posted by Cassietw

P.S. How do you pick 3? It only let me choose one.....I feel like such a NACA dunce! LOL

LOL! i don't remember, I just know I picked 3 on 3 different days, go back and try to schedule another one. you can look online and see your scheduled appointments and I think confirm them as well. without actually scheduling an appt I can't remember that part (don't want to waste an appt time) oh and if you click on documents received it will show you how many pages they got so you can confirm your fax (my uploaded wouldn't go thru had to fax em)

gray517 · 03-16-2009, 09:05 PM

ok figured it out
when you are logged into Naca at the top click on tab that says members and then counseling appt, then current appointments and it will show you your appointments ( i accidently scheduled appt had to cancel it here) appointments just opened up for wednesday the 18th too. you can schedule more than 1 appt by repeating the process you used to schedule the appt for next wed.

Cassietw · 03-16-2009, 09:12 PM

I kinda figured that if I scheduled the first one of the day there is a good chance it will happen....and on time.

I was able to see they received all 43 pages! I probably sent more than needed, but I figure it might speed things up.

gray517 · 03-16-2009, 09:15 PM

did you see what i posted about appointments just opened for this wed the 18th? go back and schedule yourself one before they are gone. then you can keep the other one just in case.

Cassietw · 03-16-2009, 09:21 PM

You Rock! I have an appointment on the 18th now! But I am a dork....I went to where you can cancel and confirm and I am on a laptop with a stupid laptop mouse and accidentally confirmed the one on the 25th I was trying to cancel!

gray517 · 03-16-2009, 09:30 PM

don't cancel it keep it just in case, confirm both of them!

Cassietw · 03-16-2009, 09:36 PM

Like I said....I am a dork.... I read your post later about keeping it versus cancelling. It is confirmed, so I have two confirmed. If they call me on Wed the 18th, I will tell them to cancel the 25th if it is not needed. Thank you so much for your help! It is so awesome that you are still here helping others. I leave the house at 7:15 am for all the school runs, run to work, get home at 6:45 pm and dinner, kids homework, just life!

I have snuck in a few posts at work when I freaked one day....But I hope things level out for us when this is done and I can help people too. Still need NACA 101, but I am learning more thanks to you!

gray517 · 03-16-2009, 09:47 PM

there is no Naca office near me to volunteer so this is the next best thing for me to pay it forward, at least I can be of some help to others and I am gratelful for getting the help i did from Naca. I have been in the Real Estate arena for over 15 years, worked as a paralegal, title examiner and even did some loan processing, now I can add "NACA specialist" to the resume

LOL! Hubby says too bad I can't find a job helping people with modifications that actually has paycheck attached to it, job market down here in fla sucks big time!

let us know how it goes, and if you have anymore questions, I am around.

03-07-2009, 08:17 AM	#27 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... Well, it looks like I am schedule an appointment illiterate. I scheduled an appointment for Monday at 5 pm. I thought it was for phone appointment because there was a second link above that said "click here for a face to face appointment". Now when I click on the appointments, it says I have a face to face appointment..... No option to reschedule, no option for different times or dates. My big question is.... WHERE????? It just says I have the appointment, date and time...nothing else, nada... LOL....I think I need NACA 101. I will probably have to call them to get this one figured out. I hate that I have to do that....OOOH Maybe I can do their live support.....says they are offline right now though... Gotta run, on my way to Long Beach to Standby for the workshop.

03-08-2009, 01:34 PM	#30 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... THE NACA WORKSHOP! Ok, this is how it went... We were told to go an hour ahead to be on standby in case people who were scheduled did not show up. They book about 300 people twice a month in the LA area. For three counties, they only have one NACA office, so I think mine is gonna take a while. Anyway, we could have just shown up on time and not an hour early as they didn't take roll-call or ask if anyone was on standby....we could all just take the booklet and go in. The workshop included people that are in the process of buying a home and the Home Save program. There were twice as many people there to start the process to buy than the Home Save program. The worshop was 4 hours with a 15 minute break in between. They went back and forth between the purchase data and the Home Save program which made it hard to follow a bit, but.....I know all about their purchase info so I can tell friends who do not own yet...(NACA has the best program I have ever seen!) Anyway, it basically went over all the on-line steps that need to occur. It seemed to me that the workshop is pre-on-line steps. I had already done all the steps and submission. So I actually think I didn't have to go to the workshop. But it went over everything in depth that I have already read and I have more certainty on what needs to happen. At the end of the workshop, you fill in your attendance sheet and they say they will email you your NACA ID in one week. Well, we already had one, so I wrote ours on the top of the attendance sheet and spoke to a counselor who was surprised I was at the workshop since I already had an ID and had submitted all the data. But said it was good I came. I also discussed the confusion with the appointment, they said it must be a mistake as the Home Save people only have an over the phone consult and someone would be calling me. I do have to say that thye need all the help they can get! If you can contibute....do so. I am gonna try to do more than 5 functions this year. they showed videos of some of the things they have done to curtail predatory lending, and since the help from them is free, I feel I owe it back to them ten fold. It will feel good to contribute to a group that is doing so much for communities.....Our government should attend and take some notes on budgeting!!! Let me know if anyone has a specific question..... I will see if I can answer it. Dare to be right, Dare to be rich, Dare to win this fight!

03-08-2009, 06:30 PM	#31 (permalink)
teenut Senior Member Join Date: Feb 2009 Posts: 261	Re: Failure is not an option for us.... Cassietw, I am with you on the participating with NACA. Even if they cant help me, I would still give my time. All the things you hear and read about them, they are doing great things for homeowners and home buyers. It would do me good to be part of a solution to this horrible mortgage mess, and with more than 6 million people due to loose there home this year, I know there services are going to be even more in demand. The more people that volunteer means more homes being saved. And since this is such a personal issue for all of us here, we know its about more than just helping to save homes.

03-08-2009, 10:12 PM	#32 (permalink)
emorybetsy Senior Member Join Date: Jan 2009 Posts: 123	Re: Failure is not an option for us.... Cassie Let me start by saying I am no expert but I wanted to make a suggestion, you can take it or leave it, and I hope you don't take offense. In you original post you mentioned that you have begun to accumulate alot of credit card debt, due to your mortgage taking up so much of your income, I'm sure. I am in the same boat, I think most of us are. So I want to suggest that you keep an eye on what is going on with the new bankruptcy laws. They are trying to make it possible to save your home in court as a last resort. As you already know, CW is going to put up a fight and you have so much to lose. So, I think you should keep going with NACA, keep an eye on changing bankruptcy laws, take a good look at your total financial situation and determine whether you would benefit from reducing both your mortgage and eliminating your credit card debt. You may need to tackle both of these issues to get the financial stability you and your family need. I know if someone had suggested this to me just a year ago, I would have said no way! It went south really fast and now I have to say there is no other way for me. I wish you and your family the best.

03-09-2009, 10:16 AM	#33 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... Hi emorybetsy, Actually, BK is not a route we want to take unless there is absolutely no other option. We got ourselves in a bad CC mess about 10 years ago and got ourselves out of it. After that, I decided we should not have more than one credit card. We caught everything up, got our credit scores back into a good range and went down to 1 card. When the kids got sick and I couldn't work for 8 months, and we could not go back to traveling to maintain our income, we applied for additional credit. In all we only have about $7,900.00 in credit card debt. It really isn't enough to consider a BK. But we are maxed with what we have and since all the recent late payments, we couldn't get another one if we tried. In fact, we did try to take out a $7,000.00 loan to consolidate and pay off all but one of the cards and have just 2 payments, but we could not get approved. This would have lowered our monthly payments to half of what we have to pay monthly now. Thank you for the post, I am not offended at all... Dare to be right, Dare to be rich, Dare to win this fight!

03-09-2009, 02:12 PM	#34 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... I need to VENT!! Some days seem to worse than others for me!!! Today, I am a nervous wreck! It makes it hard to focus at work. And I can't afford for it to affect my job! I looked at my budget and I don't think we are gonna make the payment by the 16th unless I borrow more money. I don't want to destroy our credit worse than it already is. I don't want to have to borrow money...I don't want to have the late fee....as soon as that happens, it's over! There will be no way to catch up! I called CW again. I keep calling them to see if they will have a change of heart. And also, I had a payment change due to insurance going up...(go figure, my home is worth less and my insurance went UP!!) He told me 3 different payment amounts due all within $6.00 of each other. I asked him to confirm then he said it didn't change. WHAT?? I let him know that the website and loan data gave two separate amounts under "Payment Change notification" and the amounts did not match what I received in the mail!!!! Can you believe that??!! When I told him I need a Loan Mod, he told me I have a surplus of $1019.00 a month! WHAT!!!?? I WISH!!! They listed my Gross as my Net! Idiots! They also didn't have my CC debt and payments correct! We went back over everything and then he said, "oh, we can give you a forebearance".... WHAT?? How is that supposed to help? And he says you are over $700.00 short a month..... WHAT??? Then I went over the financials again and they didn't have the income correct AGAIN!!! Then they said, "oops!!! no you don't qualify for the forebearance or a modification, is there anything else I can help you with today?".....Of course this was India I was speaking to.. They also had no record of my letter of Hardship I sent to them. They said, well what number did you fax it to (as if I sent it to the wrong place)? I looked it up and told them and they said it was correct. But they had no record of receiving it. I think I will re-fax it with a copy of the original fax confirmation! I think I will write, HELP! I'VE FALLEN, and I CAN'T CATCH UP!! on the cover sheet in size 36 font! Sorry, needed to VENT!

03-09-2009, 03:55 PM	#35 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... NACA Appointment: It appears the appointment I had for today was indeed an error. It was an in-person appointment for new home purchase. I don't really know how that happened! Anyway, I called our local office and we are now scheduled for 12 noon on Wednesday. And they have it to call my cell which is what I needed. Whew! Also, apparently the call comes from their corporate main location and not from a local area counselor. I will let you know how the appointment goes on Wednesday. Tryin' to Chill......

03-10-2009, 10:06 AM	#36 (permalink)
MP927 Senior Member Join Date: Jan 2009 Location: California Posts: 265	Re: Failure is not an option for us.... Hi Cassie...go ahead and vent...you know we are here for you! If I were you I would not even concern yourself with calling CW anymore. Just let NACA help you from this point. You are just fraying your nerves and you shouldn't have to be exposed to that. I know it's hard to let the payment go and you shouldn't if it isn't causing a financial hardship. But if you have to borrow in order to pay it I feel that is categorized as a hardship. We haven't paid a payment at all in 2009. This was unthinkable for our family a year ago. But when you don't have it, you don't have it...you can't squeeze blood from a turnip! We did get our tax refund and we will now pay Jan '09 payment as a good faith gesture to CW. That means we are still behind for Feb & Mar. There's not much else we can do until we find out what NACA can accomplish. We will pay the payments at the moment we have the money saved up. I want to make the payments more than anything but at the proper amount that we can afford. Oh I was also grateful for you posting your experience about the NACA seminar. And you still have to meet with a counselor in person after that? I wasn't sure if they would take all the info at your first meeting? I did all of that online because we are too far outside of LA. Keep us posted and glad to see you are chillin'...;-)

03-10-2009, 03:20 PM	#37 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... Hi MP927, Yes, you schedule a phone appointment with NACA to go over everything you submitted. SOmething got screwed up when I tried to schedule my over-the-phone appointment on-line and it scheduled me for an in-person (new home purchase) appointment! Ooops! Anyway, I called our local office and I am scheduled for a phone meeting tomorrow at noon. I will ppost my experience about it tomorrow. I know this is gonna take a while... You are right, I am having trouble letting go. THe first time I did with our second, I was freaked...it got easier though. This month I paid the second on time for the first time since September. I have paid that one about 3 weeks late each month for the last 6 months or so. The renter I kicked out showed up on Sunday with one of the 2 months rent she had owed me before I kicked her out. That was unexpected! I thought I would never see a dime!! I think we will make it just barely but I will probably have to borrow a couple hundred to float until we get paid on the 26th. My husband and I both only get paid twice a month on the 10th and 26th...... Sometimes it's hard to make the stretch..... Still tryin' to chill!!!

03-11-2009, 02:02 PM	#38 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... NACA phone meeting: OK, so I had my meeting today. They called me about 30 minutes late, but close enough to the scheduled time. The man I spoke to was very nice. Unfortunately the next meeting will be one of 60 staff, so I have a 1 in 60 chance of speaking to him again. IMPORTANT: RE: If you have your property taxes impounded..... On the NACA website they state you do not need to submit the property tax and insurance information if impounded in your loan. NOT TRUE or NOW CHANGED. They are requesting from me both the tax (bill) and the insurance declaration. (I sure hope I filed them away like a good girl!) I submitted all my information on 3/06/09. The appointment today would have gone farther if they would have received what I had submitted. They have no record of my submission, so if you submit, call the main number to NACA and verify they received it and that it is in your file. I sent mine via the email address provided for my naca ID. I was having problems with the fax jamming. So, I need to get my Tax and Insurance docs to add to my packet and the Membership Authorization form. (Has to be physically signed by everyone on the deed and sent in.) Electronic version is not sufficient. My next over the phone appointment is at 5am on March 17th (St. Patrick's Day!) Hopefully we will then be moving toward a proposal to CW. Keep hanging on everyone!

03-16-2009, 08:15 PM	#39 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... NACA INFORMATION: Ok, well I have tried to submit my information 3 times. Once by fax which did not go through, so I scanned the information into a pdf and emailed it to NACA. I had my phone appointment only to find out that they did not have my submission. They asked what I had attempted to send and told me 2 additional items needed. Well I sent it again to my NACA email ID and another email provided to me by the counselor. I called NACA to confirm receipt and nothing! So this time I uploaded it directly from my computer and it worked! I had an appointment scheduled for tomorrow at 5am. I just checked my email and it said all appointments for tomorrow have been postponed due to the Save the Dream event in SC. It said they had appointments available on-line as early as Wed and to re-schedule. I go to reschedule and it says I already have an appointment scheduled for APRIL 22nd!! But it is a Face to Face. Face to Face appointments are only for new home buyers and not HomeSave people..... I am gonna have to call them again and find out what is going on...... Was hoping to get out of the pre-lim stages tomorrow and working toward a mod. Had to borrow to make the mortgage. I just couldn't NOT PAY it. I think we are at our tipping point. I hate that it got this far but only one car is running and needs work. Haven't paid the credit cards....extension on the utilites and phones.....definately at the end of the rope and no lifeline to grab hold of..... I hate being a nervous wreck as much as I dislike the word hate.... Anyone else experiencing as much trouble getting an appointment as me? It won't give me another option or an option to reschedule or change what is there... I know NACA is busy...I'm just a little frantic...

03-16-2009, 08:29 PM	#40 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627	Re: Failure is not an option for us.... cassie I logged into my Naca account to try and help you it let me schedule phone appt (didn't actually schedule one) login into naca go the submission page, you should get the congratulation on completing you submission, look 1/2 way down middle of page it should say click here for face to face ________________ click here to set up a phone counseling make sure you click on the one that says phone counseling , it does not show any appointments this week but if you click on next 5 days most of the week next week is open, pick 3 appointments so you have 1st, 2nd and 3rd choice.

03-16-2009, 08:39 PM	#41 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... OMG!! Thank you! I would have never clicked on the submission page again and known that! Thank goodness for this site and your help!!!! I put pics up of my family if you click on my name if you wanna put a face to the name! THANK YOU! THANK YOU! THANK YOU! I have an appointment next Wed the 25th at 5am!

03-16-2009, 08:42 PM	#42 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... P.S. How do you pick 3? It only let me choose one.....I feel like such a NACA dunce! LOL

03-16-2009, 09:05 PM	#44 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627	Re: Failure is not an option for us.... ok figured it out when you are logged into Naca at the top click on tab that says members and then counseling appt, then current appointments and it will show you your appointments ( i accidently scheduled appt had to cancel it here) appointments just opened up for wednesday the 18th too. you can schedule more than 1 appt by repeating the process you used to schedule the appt for next wed.

03-16-2009, 09:12 PM	#45 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... I kinda figured that if I scheduled the first one of the day there is a good chance it will happen....and on time. I was able to see they received all 43 pages! I probably sent more than needed, but I figure it might speed things up.

03-16-2009, 09:15 PM	#46 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627	Re: Failure is not an option for us.... did you see what i posted about appointments just opened for this wed the 18th? go back and schedule yourself one before they are gone. then you can keep the other one just in case.

03-16-2009, 09:21 PM	#47 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... You Rock! I have an appointment on the 18th now! But I am a dork....I went to where you can cancel and confirm and I am on a laptop with a stupid laptop mouse and accidentally confirmed the one on the 25th I was trying to cancel!

03-16-2009, 09:30 PM	#48 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627	Re: Failure is not an option for us.... don't cancel it keep it just in case, confirm both of them!

03-16-2009, 09:36 PM	#49 (permalink)
Cassietw Senior Member Join Date: Feb 2009 Location: Foothills-Los Angeles Posts: 481	Re: Failure is not an option for us.... Like I said....I am a dork.... I read your post later about keeping it versus cancelling. It is confirmed, so I have two confirmed. If they call me on Wed the 18th, I will tell them to cancel the 25th if it is not needed. Thank you so much for your help! It is so awesome that you are still here helping others. I leave the house at 7:15 am for all the school runs, run to work, get home at 6:45 pm and dinner, kids homework, just life! I have snuck in a few posts at work when I freaked one day....But I hope things level out for us when this is done and I can help people too. Still need NACA 101, but I am learning more thanks to you!

03-16-2009, 09:47 PM	#50 (permalink)
gray517 Senior Member Join Date: Nov 2008 Location: Florida Posts: 627	Re: Failure is not an option for us.... there is no Naca office near me to volunteer so this is the next best thing for me to pay it forward, at least I can be of some help to others and I am gratelful for getting the help i did from Naca. I have been in the Real Estate arena for over 15 years, worked as a paralegal, title examiner and even did some loan processing, now I can add "NACA specialist" to the resume LOL! Hubby says too bad I can't find a job helping people with modifications that actually has paycheck attached to it, job market down here in fla sucks big time! let us know how it goes, and if you have anymore questions, I am around.

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