My fiance has been dealing with ASC - long story, like many of yours. The house is currently in his name, but we intent on having my name added at some point. He just received his HAMP application and we're in the process of filling out the application.
Our question is whether to include my information in the application. I just finished graduate school and am looking for a job - should have one by the time the 90 day trial period is over. Even though my lack of income doesn't help, we're thinking the benefit of having me on is that my credit is substantially better than his.
Is this a good idea? We're desperate to save our house!!