I have a Wachovia 30 yr fixed 6.875% loan. After a separation and reduction in pay, I sent a modification proposal through NACA in January 2009. By the time the bank acknowledged my package, I was already scheduled for June foreclosure. I was finally told my file was forwarded to a negotiator for consideration under the HAMP plan, but that it would take 30 to 45 days to have an answer. I was able to reach people at Wachovia that were caring enough to put off the foreclosure (which was already being advertised) for two months. I called the attorney's office and they verified it was postponed for modification. I feel like a million bucks, even though I know I have a long way to go. Has anyone received a modification from Wachovia under this plan?