the NACA experience vs. Litton

[inadoghouse]

we first received our notice of default in mid June 2008 and the auction was set for TODAY 10/21/08. The first thing I did when we received our default notice was find someone to help, and I liked NACA because unlike their extreme left wing nuts, or I mean ACORN, NACA is the on the right, and just as extreme in working what ACORN messed up by never taking it far enough to actually get people their homes and than how to stay in them.

Anyhow, that is my political statement for the day

We filled out all the paperwork with NACA and waited, and waited......and waited some more....and nothing from them. So I got pissed and called and started complaining, and we were assigned a tough gal down in Texas, and she smacked me down good, and told me like it was. ...shut me up and calmed my nerves.....and I am glad she did that, because her attitude towards me said '*****', but she gained my confidence because I knew she had confidence.

Here is the thing with NACA, that I have learned, and I would pass on to anybody. If you sign on with them you have to have balls of steel, because they are most effective and frankly it is most affective to start the negotiating process just before the loan is ready to go to auction.

If you feel they are ignoring your case for the first month, or two, and you are probably correct, they are. But let me tell you when it gets down to within a week of the auction, they go all out, one group takes care of the auction side inasmuch as postponements and/or cancelling and another works the modification. That *****y gal, I mentioned earlier, well she is not so *****y when it is your turn up at the plate. She is all yours and she knows what she is doing, and she answers all your questions and she is assuring and she tells you if like it is.

We went down to the wire thats for sure. the paperwork for postponement for a 10:00 auction today, came through first thing this morning....phewwwwwwww, but she assured me yesterday afternoon that it would

We have a 30 day postponement, and they have submitted all to Litton and it took awhile to make that connection, but they did, and now we are waiting for Litton to send back the modification as NACA has it or a marked up version, or a new version. The good thing is that even though we did not settle out yet, and have this 30 days is that Litton would never have agreed to a postponement had they not agreed that something could be done with what NACA had furnished them, and so we are on our way......

One thing with NACA that I have found out about in my searching on the web, is that they can truly get modifications
that are livable and work for YOU not just the lender.......

As I said 'balls of steel', you must have, but in the end, well worth it...

[ummuth]

Welcome to the forum I will start out by saying that with Litton it is important to send your hardship letter to the contacts provided in this forum. You will make better progress using the resource provided by this forum, after getting the runaround for the last year and a half, I followed the guidance of this forum and got my mod 2 months later a fixed rate for the life of the loan. I would not have been able to do it without the help of this site. I would not wait on NACA, I would be proactive on my own and you will be a success as well. Just remember to be persistent and polite as it will seem as though nothing is happening. You can get a sample of the hardship letter in the toolbox, write your hardship letter and post it on the site if you are unsure if it is sufficient it worked for me.fficeffice" />>>