So I just received this letter in the mail. Our loan is for 185000, we are 7000 behind. We started making our payments once we were able to. Our monthly payment is 1280 but we have been paying 1300 for the past 7 months. I called Wells Fargo to see if we could modify our loan and are waiting to hear back from them. How long does this foreclosure process take? I was going to send them another payment but she said they would send it back to us. What should we do??
Any advice would be greatly appreciated.