I just called Homeward and found out they lied to me about a February sale date! The customer service representative said that there was in fact no sale date set. So they were just trying to scare us into a repayment plan that we definitely cannot afford! What a bunch of scumbags! I'm relieved. Now, I can get my mod paperwork done and submitted. Called a bk/real estate attorney today to see what options we have. My husband is now on workers comp so we'll be losing some income....and so the fight begins!!!!