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Samantha · Posted: Mon Jun 18, 2007 4:00 am Post subject: RE: late payments - what to do?

Hi Shawthorne,

I can interpret the situation you are in. But please do not lose hope, I know I may sound unrealistic but this is the time when you need to be positive and take the right approach towards your problem. So far, you have done whatever was within your hands. But hey, it's sad that the loan cannot be modified. But I'm really surprised at HUD's response.

Anyway, the best thing that I can suggest, as you're a few months behind on both loans, so before things get worse, you can contact a credit counseling agency. The credit counselor can analyze your financial situation and prepare a budget for you so that you can minimize expenses in other areas and keep aside more money to pay off the loans.

Hope this helps...

God bless you.

Samantha

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I appied for the Hemp program 3 months ago went to Court it is still in review .I am facing foreclousure.i have been saving money .was 7 months behind now i am 6 months behind .Will go back to Court in Dec to meet agin with Lender. i would like a Forbearance agreement .I want to opt out of the HAMP PROGRAM Should i call the lender to see if they will offer me a inhouse Modification before court date . I now have a fulltime job and a parttime job making $3.00 more per hour .Please tell me what to do.

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how much to pay to avail a repayment plan?