Hi all this is a great forum. Learning alot. What a stressful time. We stopped paying our 1st in December and our 2nd in Jan.
We got a notice that Countrywide(the 1st) sent us a certified letter. We have never actually gotten the letter, just a notice from the post office that they tried to deliver it, but I did call them recently to ask about a Modification because of the new Obama plan. They said it was a letter to escalate and said we had to pay a payment by the 14th or else. (Whatever that means)I did notice though when we called there are messages at the beginning of the phone call that say they are a debt collection agency or something. Does that mean I am not actually even talking to Countrywide? I called the number they gave me to call.
We gave them all our info, we know we have a Fannie Mae loan. They said we qualify for the modifcation guidelines, but that is all they will say. They keep stalling and saying call back every week and check the website, even though the website never changes or updates anything. Not sure if they just don't know how to use the new government plan yet, or are stalling us.
We basically are just trying to figure out how long we have before they kick us out.
We will be filing CH7 in a few months also. Ah life, it just gets better and better.