Well last wed I finally faxed in papers for a modification request. I had emailed Jim Davis to find out where to fax them and he gave me his fax number and said he'd get them to someone. Sure enough he did - I received a call that afternoon from a Jennifer Flores who was looking over my stuff. I had to fax in other documents for the government program - HAMP I guess - even though I knew I wont qualify for that. Income to debt ratio or whatever it is doesnt meet the qualifications. I also read on here that someone said when trying to qualify people for HAMP, that AHMSI doesnt factor in the other living expenses when doing the calculations? So then why when i had to fill out the paper work for that it asked me for my other living expenses? that seems ridiculous they dont take that in mind...again not that i think it would make a diff whether or not i qualify but still.
I was out yesterday and missed Jennifer's call and called back this morning and am waiting to hear back. In the meantime this morning I faxed over another letter to her with the intent to foreclose letter we got in the mail on friday. Nice. We are consistently 60 days behind - we try and try to get caught up - but it does not ever work that way and we are able to make only one payment per month. Something else I faxed in with my papers last week is something I found on a thread on this site - someone had posted a link to an article by the VP or one of the VP's of AHMSI on principal reduction - so I faxed that in. I know its impossible to get one but I figure if I can at least show them that even their VP is talking about and realizes there is something going on.......who knows maybe it'll help somehow.
Anyway.........I am sure she called me yesterday to tell me we dont qualify for HAMP and find out what we can do from here - i am hoping for an in house modification. Got one last year but it really didnt end up taking much off the payments and I have heard of people getting more than one so fingers crossed. We stayed afloat for a while but had a lot of unexpected expenses come up that led us to get behind again.
The intent to foreclose ticks me off because again, while we are 60 days behind we ARE making one payment per month - so we are doing something. I read about others who are walking away or who have been in their homes for months or even a year without making a payment and yet here we are 60 days , making one payment per month (even though its late) and we get hit with this......
Anyway just kind of rambling here - and hoping something good comes of it.