Michael, I emailed you earlier regarding my loan. Dont know if you received my email. Please advise if you received it. and thanks for your quick reply.
also, your November 7th letter says what I thought:
"your monthly income was determined as $800 and your monthly expenses as $1,613.00 resulting in a deficit of $813.00. This deficit could not be overcome by modifying the original terms of your mortgage. your ability to afford a modified payment is not supported by your income."
we need enough income, and yes a three way call can help i can do that for you or pete can.