Wishing you luck, OHM. The process of fighting for your home is nerve wracking by nature and filing Chapter 13 is never fun but it's only one of the strategies that may be effective in keeping your home. One of which would be appealing the rejection of a modification if necessary and filing a complaint with the CFPB. Don't forget these guys are under the misconception that we're legally ignorant and completely at their mercy. Try if possible to see this whole thing as a chess game where you always have various strategies set in place regardless of what they do. That can provide at least some slight sense of control to offset the imbalance of power.Hoping everyone can cross their fingers for me, wish for good luck. I submitted a loan mod packet to Select Portfolio Servicing and I’m completely nervous about it.
I never filed for bankruptcy, and really don’t want to, but will likely have to to prevent a foreclosure if they deny me my mod.
Like I said, wish me luck. I’m a nervous wreck about it.