Is it a bad idea to stop paying the credit cards when negotiating loan mod?

[Lapri]

A friend of mine is in a very protracted nego with BofA for loan mod (they are foreclosing at the same time). She's not paying any mortgage any more but has kept up payments on credit cards because she needed to have the credit available.

I told her to stop paying the credit cards and settle with the credit card companies, but she's afraid that will derail the loan mod negotiation. The credit cards are from BofA. The credit score is already taken the hit because of non-payment of mortgage, and they keep reducing the available credit.

Does anyone have experience/opinion/thoughts on stopping the credit card payment while doing the loan mod?

[davephx]

Since credit score is not an issue for HAMP it "should" not be an issue and totally different departments.

Also if you go 180 days BofA is one of best to settle with via their FIS Card Servies that will take it over, which has settled for 20%-30%.

[Lapri]

>Since credit score is not an issue for HAMP

It is not? I didn't know that. Thanks!