Well, I got the dunning letter from the lender's attorney. I responded within the required 30 days disputing the validity of the debt. So, I'm waiting for their response.
I don't know if this will only delay the inevitable. Consulted with attorney who wanted two separate retainers. One to try to negotiate a modification and a second retainer if the modification did not work and I needed a defense in a foreclosure action. Sounds like throwing good money after bad to me.
The 1st NACA proposal was denied. NACA has resubmitted, but I haven't gotten a response yet.
Anyhow, it looks like I got an approval on an apartment.
There are also some state foreclosure prevention programs I could apply for.
I know that the foreclosure process marches on no matter the route I take.
I'm very stressed by all of this. Don't know if I should continue to come home every day feeling afraid of what I'll find in the mailbox or just move. The people who are emotionally supportive of me are equally divided on what they think I should do: fight to the end or walk away.
Anyone have ideas on how to handle the stress of this situation?
Thanks,
dasmom
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