Hi,
My husband has been in and out of work for the past two years working as a contractor, can't find a permanent position with what he was making in his last permanent position so he does his best to find a contract job. I also work full time but I don't make enough to cover all the bills. He has been out of work since December and collecting unemployment while he tries to find a position, last year he was only out of work for a month but this time we are going on three months. Long story short we are on our 2nd modification since 2012 and have fallen behind on the payments for the last year and a half. I have been calling in to Wells Fargo and making payments over the phone. We filed Ch7 Bk back in 2009. I received a default letter to cure the past payments of about $3,000 back in Sept of 2016, I never paid the $3,000 buy the due date but I was never able to keep up and was always behind about 2 to 3 months. Lately we have fallen behind by 4 months and we just received another default letter asking for $7,000 by March 20. I don't have the $7,000 but I could pay maybe half. I don't think it is worth my while to apply for a 3 mod as they very rarely happen and my husband being out of work. I maybe could pay 2 months worth of payments before March 20. Do you think they will go forward with foreclosure if I pay them two months worth of payments, then I will only be 2-3 months behind? Thoughts? Thanks so much!! : )
My husband has been in and out of work for the past two years working as a contractor, can't find a permanent position with what he was making in his last permanent position so he does his best to find a contract job. I also work full time but I don't make enough to cover all the bills. He has been out of work since December and collecting unemployment while he tries to find a position, last year he was only out of work for a month but this time we are going on three months. Long story short we are on our 2nd modification since 2012 and have fallen behind on the payments for the last year and a half. I have been calling in to Wells Fargo and making payments over the phone. We filed Ch7 Bk back in 2009. I received a default letter to cure the past payments of about $3,000 back in Sept of 2016, I never paid the $3,000 buy the due date but I was never able to keep up and was always behind about 2 to 3 months. Lately we have fallen behind by 4 months and we just received another default letter asking for $7,000 by March 20. I don't have the $7,000 but I could pay maybe half. I don't think it is worth my while to apply for a 3 mod as they very rarely happen and my husband being out of work. I maybe could pay 2 months worth of payments before March 20. Do you think they will go forward with foreclosure if I pay them two months worth of payments, then I will only be 2-3 months behind? Thoughts? Thanks so much!! : )
