confused**found LoanSafe**SUCCESS!! CW - Page 2 - Loan Modification Forum

ergoof123 · 05-30-2008, 05:39 PM

thanks. will hang in there. know nothing will occur over weekend...at this point good or bad. really don't think they want the house. we do have the hardship, etc., worst case scenario. agree we don't want to go there but if we had to.... at least this laura melara person calls and returns calls...except for this afternoon...not anything she can do today (in all fairness.) congrats to those who have been successful! you are an inspiration as well as you ***...thanks!

have a great weekend everybody! think of me...i'll be thinking of you!!!

yes, yes, yes...we can all do this!

ergoof123 · 06-09-2008, 12:00 PM

laura at office of president assigned file to negotiator tabitha and we spoke on friday. very nice, confirmed financial data, said she would do all she could. not sure what happens now. sent her an email thanking her for her time and asking how things were going...know she just got file on friday. (we were served the end of may.) thank you, thank you! don't want to re-panic before i have too...

Moe Bedard · 06-09-2008, 12:06 PM

ergoof123,

Tabitha is a great individual and she does call you when she says she will........she also will keep you updated and doesn't mind if you call to see if there is any news on your file.......

All of the contacts in the Office of the President have been great to deal with......and do a wonderful job with our members.......

ergoof123 · 06-09-2008, 12:16 PM

thank you! am going to go out for a walk and practice my patience. do feel better with tabitha who offered her phone number and email address and laura who said she would follow up also. since we're at 9.5 percent, am still hoping for rate reduction even if it's not forever. thank you again!

ergoof123 · 06-09-2008, 04:05 PM

success! just got off the phone with tabitha. in a nutshell, they are capping unpaid, since spouses income justifies payment are not lowering rate but are fixing it from adjustable to fixed, no pre-pay penalty, any/all fees rolled (2k attorney's) , int. only feature for five years, and no payment due until sept. 1st. foreclosure STOPPED/OVER!!!!!!! spouse really wanted rate reduction but our debt was not high enough? anyway, brought us current and then some cushion, no pre-pay very good, once we're on our feet can refinance and no money upfront at this time either. got everything except rate reduction. all things considered, we're going to take it. she is fedexing papers this week after 'standard auditing' to make sure she's done them correctly. no one else could've treated us better and more quickly than she has. never, in a million years would we have thought this would have turned out so well and it IS all thanks to you. told her we had heard from asking around that she was good and that is was appreciated. she said it made her day. THANK YOU *** AND ALL!!!!!!!!

Carrie · 06-09-2008, 04:09 PM

Congratulations !!!!

I have been on the CountryWide horror story since last year june 2007

and thank goodness to Loansafe & the great 'family' they have here we are on the road to success, just 2 more months to go !!!

I use to work with Truc and got a call from Tabitha Mackellar today she is Great. very sweet, patient & knowledgeable.

Good Luck with your home !!! :-)

elpjohnson · 06-09-2008, 04:29 PM

Congratulations!!!! This is great news!

shirley · 06-09-2008, 06:03 PM

Congratulations!

I worked with Tabitha too she's great!

schwefls · 06-09-2008, 06:15 PM

Ergoof:

Congratulations great work, kudos to you party gardy

Moe Bedard · 06-09-2008, 10:45 PM

I am so happy to hear this........wonderful news!!!

Please let us know when you receive the docs and if you have any questions on them at all..........

ergoof123 · 06-10-2008, 03:31 AM

THANKS TO ALL OF YOU!!! Am very glad

Will let you know when we get docs...and cheering on the rest of us too! You guys are amazing! DON'T GIVE UP!!!

ergoof123 · 06-10-2008, 04:29 PM

hey all, still reveling in tabitha's news from monday...however...just checked mail from yesterday and there was a 'attempted' delivery of registered mail? know tabitha said she would fedex papers this week/return fedex envelope. first thing she was going to do was stop foreclosure, papers had been drawn, etc. so....which member of our fan club may have sent it? papers were served by a server, receipt of that came regular snail mail, is this something confirming sale date/court room/time possibly? tabitha had said we would continue to receive things for about 20 days and we could call her for reassurance but wondering (without going to get it) if it's from the attorney?

(pulled up case number online and there was a court room/time which we had yet to be furnished with.) thank you!!!!!!!!!!!!

RudyJay · 06-10-2008, 04:49 PM

ergoof123

hey I know the feeling...both the good and the scary.. Keep on Keep on rj

ergoof123 · 06-10-2008, 05:05 PM

thanks! know whatever it is had already been sent because attempted delivery was same day (monday) modification papers were done, etc. thank you though, keeping me calm

ergoof123 · 06-11-2008, 04:07 PM

Okay, first we want to thank each and everyone of you for the guidance, wisdom and emotional support you have given. "Thank you" is not sufficient. It would be impossible to forget what you have all done for us and especially you ***! You have secured our world...okay will stop...starting to cry again. Tabitha has sent papers, can expect them tomorrow. FORECLOSURE IS OVER/DONE!!! The registered mail was attempted same day modification papers were drawn, figured had crossed in the mail since we talked with Tabitha on Monday, same date of attempted delivery. ***, you are wonderful and the most modest person I have ever had the pleasure of corresponding with! (Know Moe thinks so too!!) Will let you know if we have questions on docs. THANK YOU ALL!

ergoof123 · 06-12-2008, 08:20 AM

Got loan docs...they are just like Tabitha said! Do have a question on 5 year interest only option. Because we have six figures equity...something we never had before...do you think it's a wise choice? Are we 'locked' in for the whole 5 years? We've never been given/entertained that idea before. If we go the 'regular' route our payment (with stuff rolled/added in) will be $1,479.00 beginning 09/01/2008. If we go 'interest only' route, says first payment of $1,103.01 due 09/01/2008 until 08/01/2013 at such time begin making monthly pmts of p and i $1,234.50 until p and i are paid in full. if on 04/01/2037....pay in full. what do you think? the difference would go a long way for us right now. either way....HOORAY!!! thanks!!!

Moe Bedard · 06-12-2008, 09:18 AM

Here is the deal with Interest Only............you can always on any given month add extra to pay the Principle..........on your payment coupon and on your check just make sure that you indicate the extra amount is allotted to the Principle for that month........this way if you have a month that has more expenses than usual you are not locked into the P & I payment.....

ergoof123 · 06-12-2008, 09:34 AM

thanks! that was a new one for us. spouse doesn't want to do interest only but nice to know it's available on any given month (within the 5 years!) hallelujah, will get notarized and send back to tabitha! (team) win! 2008 will be ALL of our year(s!)

just dawned on me...probably shouldn't say a specific team!

Moe Bedard · 06-12-2008, 10:01 AM

Without seeing the way they worded it on the mod docs..........what I meant was that if the docs say the first 5 yrs. are interest only and that is your only option..........you can always add principle to your payment......

ergoof123 · 06-12-2008, 10:10 AM

called tabitha, she is/has set up our statement with three stubs. one with the interest only, one with 15 year amount (spouse's idea) and one for regular. then we are to remit with appropriate stub.

Moe Bedard · 06-13-2008, 11:16 AM

ergoof123,

Congratulations To You!!!

You Did It!!! Way To Go!!!

ergoof123 · 06-13-2008, 11:40 AM

Thank you *** and all, very much, for everything!!! HOORAY!!!

schwefls · 06-13-2008, 11:42 AM

Kudos Ergoof party hardy

ergoof123 · 06-13-2008, 11:58 AM

Schwefls, I really can't thank you enough for everything you have done for me and my family. THANK YOU, so very much, for "having my back"!!!

schwefls · 06-13-2008, 12:08 PM

Anytime, it truly is my pleasure

05-30-2008, 05:39 PM	#26 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed thanks. will hang in there. know nothing will occur over weekend...at this point good or bad. really don't think they want the house. we do have the hardship, etc., worst case scenario. agree we don't want to go there but if we had to.... at least this laura melara person calls and returns calls...except for this afternoon...not anything she can do today (in all fairness.) congrats to those who have been successful! you are an inspiration as well as you ***...thanks! have a great weekend everybody! think of me...i'll be thinking of you!!! yes, yes, yes...we can all do this!

06-09-2008, 12:00 PM	#27 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed laura at office of president assigned file to negotiator tabitha and we spoke on friday. very nice, confirmed financial data, said she would do all she could. not sure what happens now. sent her an email thanking her for her time and asking how things were going...know she just got file on friday. (we were served the end of may.) thank you, thank you! don't want to re-panic before i have too...

06-09-2008, 12:06 PM	#28 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed ergoof123, Tabitha is a great individual and she does call you when she says she will........she also will keep you updated and doesn't mind if you call to see if there is any news on your file....... All of the contacts in the Office of the President have been great to deal with......and do a wonderful job with our members....... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-09-2008, 12:16 PM	#29 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed thank you! am going to go out for a walk and practice my patience. do feel better with tabitha who offered her phone number and email address and laura who said she would follow up also. since we're at 9.5 percent, am still hoping for rate reduction even if it's not forever. thank you again!

06-09-2008, 04:05 PM	#30 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed success! just got off the phone with tabitha. in a nutshell, they are capping unpaid, since spouses income justifies payment are not lowering rate but are fixing it from adjustable to fixed, no pre-pay penalty, any/all fees rolled (2k attorney's) , int. only feature for five years, and no payment due until sept. 1st. foreclosure STOPPED/OVER!!!!!!! spouse really wanted rate reduction but our debt was not high enough? anyway, brought us current and then some cushion, no pre-pay very good, once we're on our feet can refinance and no money upfront at this time either. got everything except rate reduction. all things considered, we're going to take it. she is fedexing papers this week after 'standard auditing' to make sure she's done them correctly. no one else could've treated us better and more quickly than she has. never, in a million years would we have thought this would have turned out so well and it IS all thanks to you. told her we had heard from asking around that she was good and that is was appreciated. she said it made her day. THANK YOU *** AND ALL!!!!!!!!

06-09-2008, 04:09 PM	#31 (permalink)
Carrie Senior Member Join Date: May 2008 Location: Miami, Florida Posts: 67 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Congratulations ! Congratulations !!!! I have been on the CountryWide horror story since last year june 2007 and thank goodness to Loansafe & the great 'family' they have here we are on the road to success, just 2 more months to go !!! I use to work with Truc and got a call from Tabitha Mackellar today she is Great. very sweet, patient & knowledgeable. Good Luck with your home !!! :-)

06-09-2008, 04:29 PM	#32 (permalink)
elpjohnson Successful Homeowner / Loan Safe Guide Join Date: Dec 2007 Location: Gold Country, Northern California Posts: 1,025 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Congratulations!!!! This is great news! __________________ Erika 10 Month Success Story With Option One.

06-09-2008, 06:03 PM	#33 (permalink)
shirley Member Join Date: May 2008 Posts: 7 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Congratulations! I worked with Tabitha too she's great!

06-09-2008, 06:15 PM	#34 (permalink)
schwefls New Member Guide & Litton Success Join Date: Jan 2008 Location: New Jersey Posts: 1,090 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Ergoof: Congratulations great work, kudos to you party gardy __________________ Lynn Successful thanks to this forum Loan Safe Guide

06-09-2008, 10:45 PM	#35 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed I am so happy to hear this........wonderful news!!! Please let us know when you receive the docs and if you have any questions on them at all.......... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-10-2008, 03:31 AM	#36 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed THANKS TO ALL OF YOU!!! Am very glad Will let you know when we get docs...and cheering on the rest of us too! You guys are amazing! DON'T GIVE UP!!!

06-10-2008, 04:29 PM	#37 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed hey all, still reveling in tabitha's news from monday...however...just checked mail from yesterday and there was a 'attempted' delivery of registered mail? know tabitha said she would fedex papers this week/return fedex envelope. first thing she was going to do was stop foreclosure, papers had been drawn, etc. so....which member of our fan club may have sent it? papers were served by a server, receipt of that came regular snail mail, is this something confirming sale date/court room/time possibly? tabitha had said we would continue to receive things for about 20 days and we could call her for reassurance but wondering (without going to get it) if it's from the attorney? (pulled up case number online and there was a court room/time which we had yet to be furnished with.) thank you!!!!!!!!!!!!

06-10-2008, 04:49 PM	#38 (permalink)
RudyJay Senior Member Join Date: Apr 2008 Posts: 652 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed ergoof123 hey I know the feeling...both the good and the scary.. Keep on Keep on rj

06-10-2008, 05:05 PM	#39 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed thanks! know whatever it is had already been sent because attempted delivery was same day (monday) modification papers were done, etc. thank you though, keeping me calm

06-11-2008, 04:07 PM	#40 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Okay, first we want to thank each and everyone of you for the guidance, wisdom and emotional support you have given. "Thank you" is not sufficient. It would be impossible to forget what you have all done for us and especially you *! You have secured our world...okay will stop...starting to cry again. Tabitha has sent papers, can expect them tomorrow. FORECLOSURE IS OVER/DONE!!! The registered mail was attempted same day modification papers were drawn, figured had crossed in the mail since we talked with Tabitha on Monday, same date of attempted delivery. *, you are wonderful and the most modest person I have ever had the pleasure of corresponding with! (Know Moe thinks so too!!) Will let you know if we have questions on docs. THANK YOU ALL!

06-12-2008, 08:20 AM	#41 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Got loan docs...they are just like Tabitha said! Do have a question on 5 year interest only option. Because we have six figures equity...something we never had before...do you think it's a wise choice? Are we 'locked' in for the whole 5 years? We've never been given/entertained that idea before. If we go the 'regular' route our payment (with stuff rolled/added in) will be $1,479.00 beginning 09/01/2008. If we go 'interest only' route, says first payment of $1,103.01 due 09/01/2008 until 08/01/2013 at such time begin making monthly pmts of p and i $1,234.50 until p and i are paid in full. if on 04/01/2037....pay in full. what do you think? the difference would go a long way for us right now. either way....HOORAY!!! thanks!!!

06-12-2008, 09:18 AM	#42 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Here is the deal with Interest Only............you can always on any given month add extra to pay the Principle..........on your payment coupon and on your check just make sure that you indicate the extra amount is allotted to the Principle for that month........this way if you have a month that has more expenses than usual you are not locked into the P & I payment..... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-12-2008, 09:34 AM	#43 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed thanks! that was a new one for us. spouse doesn't want to do interest only but nice to know it's available on any given month (within the 5 years!) hallelujah, will get notarized and send back to tabitha! (team) win! 2008 will be ALL of our year(s!) just dawned on me...probably shouldn't say a specific team! Last edited by ergoof123; 06-12-2008 at 09:37 AM..

06-12-2008, 10:01 AM	#44 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed Without seeing the way they worded it on the mod docs..........what I meant was that if the docs say the first 5 yrs. are interest only and that is your only option..........you can always add principle to your payment...... __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-12-2008, 10:10 AM	#45 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confused and overwhelmed called tabitha, she is/has set up our statement with three stubs. one with the interest only, one with 15 year amount (spouse's idea) and one for regular. then we are to remit with appropriate stub.

06-13-2008, 11:16 AM	#46 (permalink)
Moe Bedard Founder Join Date: Aug 2007 Location: Southern California Posts: 16,887 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confusedfound LoanSafeSUCCESS!! CW ergoof123, Congratulations To You!!! You Did It!!! Way To Go!!! __________________ Moe Bedard Founder LoanSafe.org "America's #1 Home Loan Forum" LoanWorkout.org "America's # Loan Modification Blog" Get My FREE Loan Modification E-Book \| Please donate to LoanSafe.org \| Loan Modification Training For Attorneys \| Rate Your Mortgage Servicer The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Here.

06-13-2008, 11:40 AM	#47 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confusedfound LoanSafeSUCCESS!! CW Thank you *** and all, very much, for everything!!! HOORAY!!!

06-13-2008, 11:42 AM	#48 (permalink)
schwefls New Member Guide & Litton Success Join Date: Jan 2008 Location: New Jersey Posts: 1,090 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confusedfound LoanSafeSUCCESS!! CW Kudos Ergoof party hardy __________________ Lynn Successful thanks to this forum Loan Safe Guide

06-13-2008, 11:58 AM	#49 (permalink)
ergoof123 Senior Member Join Date: May 2008 Location: Illinois Posts: 84 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confusedfound LoanSafeSUCCESS!! CW Schwefls, I really can't thank you enough for everything you have done for me and my family. THANK YOU, so very much, for "having my back"!!!

06-13-2008, 12:08 PM	#50 (permalink)
schwefls New Member Guide & Litton Success Join Date: Jan 2008 Location: New Jersey Posts: 1,090 Nominated 0 Times in 0 Posts TOTW/F/M Award(s): 0	Re: confusedfound LoanSafeSUCCESS!! CW Anytime, it truly is my pleasure __________________ Lynn Successful thanks to this forum Loan Safe Guide

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