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Wells Fargo three month forbearance questions?

Has anyone successfully been through the final review for their loan modification? If so, what is the process? We've been working on this for a year and I don't want any surprises.

We are on a three month trial forbearance, have made two of the three payments (sending the payment "priority mail" just to be sure) and realized that our credit has taken 175 point drop. (We were 60 days late prior to the trial, but apparently our credit is getting hit every month we make the reduced trial payment. Does this get cleared up in the end?

We contacted WF for six months before we were late, sent hardship letter, etc... that we were going to run into trouble - they didn't respond until we were at the end of our rope. We had very high credit in the low 800's that's now in the low 600's. Unbelievable.

jenkin7's picture
jenkin7 | Joined: June 4, 2007 11:02 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi colammyok,

Under the forbearance plan, your lender has agreed to partially reduce your monthly mortgage payments. It means you have not been paying the amount that you actually promised to pay when you signed the mortgage agreement. This does affect your credit scores. Moreover, the shortage in your current payments will be adjusted once the forbearance period is over. Then you may have to come up with extra payments to make up for this shortage.

A loan modification could have been a better option as it would have lowered your monthly payments for a longer period of time. Under the modification program, the lender either reduces the interest rate on the loan or extends the term of the loan to lower the monthly payments. But whether it is forbearance or a loan modification, your credit is going to get affected negatively.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

The three month forbearance is the first step towards the loan modification. Wells Fargo insisted on a three month trial before they will commit to a final loan mod. At the end of the three months, they will do a final review and decide on the final payments and terms. This was my only option in getting a loan modification.

With that being said, has anyone been through WF's final review process after the three month trial is over? What was involved? What was the outcome? I would love some sound advise on this matter.

As for the credit score, I would have expected our credit to drop under the circumstances but not by 175 points. This is outrageous. Our report shows a flawless payment history on all accounts until this past summer, and then only our mortgage was been late.

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colammyok's picture
colammyok | Joined: August 12, 2009 08:56 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Still wondering if anyone has made it through Wells Fargo's three month forbearance plan? What happened? Did they approve you for a loan modification after?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

. I began the loan modification process almost a year ago, and unfortunately it has not been favorable. After submitting my initial paperwork I waited, and waited nine months for an answer regarding my loan modification. In November, I was told by your company that while waiting for my modification, I would be put on a loan forbearance plan while I wait for modification approval. Unfamiliar with what a loan forbearance program was, I began to ask your employees questions. I was told that it was a program that “allowed me to pay a portion of my mortgage payment to allow me to get ahead in my finances”. The operator then stated at the end of the forbearance program, I would start to pay my new modified mortgage payment. During the loan forbearance period I was told by a friend that the mortgage company will ask for a lump sum payment at the end of the forbearance program. Knowing that a large lump sum would be a huge hardship, if not an impossibility, I re-contacted ASC and asked if this was true. I spoke with “Scott” an ASC operator and asked if I would be required to pay a large lump sum of money at the end of the forbearance. The operator laughed and said that was absolutely false, and I would 100% NOT be required to make a large lump sum payment when the forbearance period ran out. The operator reaffirmed that at the end of the forbearance program I would just begin to pay my new modified rate. I called again in January and spoke with another operator to check on the status of my modification knowing that my forbearance period was coming to an end. The operator looked up my information and stated it looked as if I was going to get a rate of 2.5% and they were just tying up some loose ends and let me know soon. After hearing this information I was ecstatic, finally my wife and I would have some breathing room and be able to not live paycheck to paycheck.
Yesterday I received a phone call from ASC saying I failed to meet the requirements for a loan modification. I was told that I didn’t meet modification requirements because I did not make enough money. Additionally they stated I needed to pay a lump sum of $8142 or our house would go into foreclosure. I was so upset, the same company that swore up and down that I would “never” be required to make a lump sum payment at the end of my forbearance period was now telling me not only did I need to, but if I didn’t I would lose my home. The irony is, on one hand I am being told that I don’t make enough money to qualify for a modification, and on the other hand I am being told to pay an unattainable $8142 lump sum.

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

I can understand what you must be going through, TC. I would suggest you to re-negotiate with your lender and check out if you can get a modification. You may even inform the lender that you are facing financial crisis and thus you're unable to pay off the lump sum amount asked by them. May be the lender would consider your situation and negotiate with you.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have tried and tried. Like I said this has been going on for over a year now. I'm at wits end, and feel like diving into my retirement to pay the lump sum they are asking for. All the forbearance has done is ruin my credit (a drop of 200 points).

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

In that case, it's better to get rid of the property by selling it off. You should apply for a deed in lieu or short sale with your lender and sell off the property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I've been going through this now for a year. We were finally able to get a loan modification approved, but only after we complete our 3 month of forebearance payments, then they take another review (I think this is for sanity, b/c they've already approved the modification, they just need the 3 months to prove we can make the payments).

So, we'll see.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Jenkin7: Wells Fargo will NOT allow you to get a loan modification without a forbearance trial, so we have no choice.

I went through the 3 month "trial by fire". If you agree to forbearance be prepared to be treated like a hobo. Wells Fargo will call and bug you at least once every couple of days at first. After you pay the first reduced payment, Wells Fargo will start calling you every couple of days to remind you that you owe them money. When you pay the second, you'll get reminded daily. If you don't answer the calls - say you're at work and you can't take the call - you will be removed as a candidate for loan modification and will have to apply all over again and your credit will be in the crapper.

At this point, my credit (which was 826) has fallen so low that I might as well allow the house to foreclose. What a joke this loan modification B.S. is. The banks take billions and refuse to work with customers. Wells Fargo can take a flying leap.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I too was on the 3 month trial and was told it wouldn't affect my credit score because I’m not behind. And beat me down saying regardless of what someone told me they're required to report it that way even if they said they wouldn't because it was a partial payment and if wasn't in the agreement!!

Come to find out I was offered at the same time I was denied because they didn't have my current paperwork their Making Home Affordable Program. It came with a nice packet explaining everything that will happen plus directions said the following under CREDIT REPORTING:

If you are delinquent on your scheduled mortgage payments at the time your trial plan begins, we will continue to report your account to the credit bureaus in a manner that accurately reflects the contractual payment status of your loan. We also will not that you are paying under a partial payment agreement.

If you were current on your scheduled mortgage payment at the time your Trial Period Plan begins (they underlined this portion) "and you have made your trial period payment during the month in which it was due," we will report your account to the credit bureaus as current, with the added comment that you are paying under a partial payment agreement. However, if your Trial Period Plan payment is one month past due, we will report your account to the credit bureaus in a manner that accurately reflects the contractual payment status of your loan, again, noting that you are paying under a partial payment agreement.

I have contacted their Escalations Dept and Credit Bureau Disputes but both back each other up with the same comments, it’s contractual. I say the contract doesn’t state you will be reported as late because another program within your family (loan dept/lost mitigations) outlines what I said someone told me multiple times. I have proof with the MHAP docs that they do say that and every supervisor agrees but they say their hands are tied and I need to go to another person who can’t make a decision. One guy from lost mitigations dept almost called me a lair because I told him what was printed and asked him can he get a copy of the same doc since it’s a published standard! He wouldn't just say it’s not like that. I had one supervisor say I can just stop the process if I want and don’t compete the trial for the MHAP now. I told him I’m not going to until I get an answer that says what’s in writing is correct, this is a double edge sword for them as well because they are not honoring what they put in writing. I had to speak to his supervisor who was very helpful and finally understood what I was trying to say. I was never given the opportunity to exit from the program if I knew they would fuck my credit score from a 768 to a 589!! I told them that your docs clearly outline what will happen if you’re already delinquent vs. not being.... Is this a standard or are the rules different for each department under the home mortgage?? I am currently scheduled to see an attorney while I’m waiting for an answer from their Credit Corrections Dept and I’m sending my packet info to the Washington Post once if I get a negative reply to share with the word all the work I’ve done to try and fix what they so easily destroyed in my life.

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pianogirl22's picture
pianogirl22 | Joined: April 2, 2010 10:52 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

WOW!!! I am so glad Im not alone in this. And honestly for that, I feel that there should be some sort of class action against ASC and Wells Fargo. Heres our story:

My husband lost his job in Aug 2008 in turn made us behind on our mortgage in Dec 2008. We applied 4 times to get a modification but was denied all 4 times. By Aug 2009, he landed another job. We finally hired some outside help in Oct 2009 that at the time SEEMED to get the job done. He got us a special forebearence plan. Heres the thing, our plan was $300 MORE then our mortgage. He told us that was the plan they offered and we had to take it.

So, starting in Dec 2009, we had to pay $2250 for 3 three months then our modification will kick in. We were behind for 1 year, totalling $25,000 (includes late fees). Oh, this is an interest only loan as well.
Heres where it gets REALLY FUN!

We completed the forebearence on time, no problems, no issues. We get a phone call yesterday from ASC that said we DID NOT QUALIFY FOR A MODIFICATION AND OUR MORTGAGE IS IN ACTIVE FORECLOSURE!
We payed an additional month AFTER the forebearance just to keep current and the total amount we gave them was $8600!!

They said our "Investor" does not participate in any gov programs and we make too much money to go back to our original loan and too little money to get into a conventional 30yr fixed. With that said, they are continuing the foreclosure process, we can expect the sale to happen by the end of May.

After we paid them almost 9 GRAND, they tell us SO SORRY! GET OUT! How the hell is this legal!?!?! I comply with all their demands just to get the shaft! So if you have Wells Fargo and have Americas Servicing Company, BEWARE OF THE FOREBEARANCE PLAN!!!

They told us to try to apply for HAMP, it most likely wont work, but it will buy us some time to save money. I cant believe this is happening to us. We have decent income coming in, my husband is employed again and yet there is NOTHING, NOTHING AT ALL ANYONE IS WILLING TO DO TO HELP US! ASC says our investor wont budge and it is what it is. Enjoy the home while you have it.
So yea....I feel the pain of everyone on this thread. Now I have to find another place to live. THANKS WELLS FARGO!

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

If someone can find a lawyer to represent us in a class action suit. I'll happily join the crowd.

[size=9:12377a6b9f][color=Red:12377a6b9f][Email address deleted as per forum rules. Thanks.][/color:12377a6b9f][/size:12377a6b9f]

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have paid a 3rd party $995 with another $800 due to negotiate this for me. I went thru the makinghomeaffordable.gov and got no where with it. They kept loosing paperwork, i didnt send the right stuff etc. I now have a foreclosure date of May 12. They just sent me paperwork for a forebearance plan for $1800/month for 3 months. My normal mortgage is $11675 but I have not paid in 6 months. I explained to them I may be able to pay 3 payments of $1800 but that is it! I can not afford my normal mortgage payments so how am I supposed to afford $1800. Has anyone gotten a completed approved HAMP with Wells? It seems like we are all just chasing our tails!

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My advice is DO NOT call Well Fargo "[url=http://www.mortgagefit.com/loss-mitigation.html]loss mitigation[/url]" - they will sign you up for the deadly three-month forbearance agreement! It's a scam - plain and simple. Wells Fargo is using HAMP to squeeze pennies out of desperate homeowners without helping them. You will be left with a low credit score and NO loan modification...

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am in the 5th month of the forebearance plan I spoke to someone fron asc this morning a nd now they tell me that I have to resubmit my financials every 30 days what"s the deal is this a bad sign or do I have to bring in my lawyer.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi claudia,

I guess your forbearance plan would get completed next month. The lender may require your financial documents in order to find whether or not you qualify for a loan modification. You can contact your lender and ask him to clarify as to why he requires your financial documents. He will be the best to answer your query.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

again I ask has anyone out there continued to pay forebearance amount even after 3 month trial was over? How long did this go on and what was the final result

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Guest,

Once the forbearance period is over, you won't be able to pay the reduced amount any longer. You can reapply for forbearance and if the lender agrees to it, then you may continue to pay the lower amount.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have been advised to continue to pay forebearance amount by [url=http://www.mortgagefit.com/loss-mitigation.html]loss mitigation[/url] dept and asc. Also told I have still not been assigned to a person to review my file. My question is how long can this go on and if i am denied what's my next step

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

You should ask your lender to speed up the process so that your loan modification gets approved. In case, your request is rejected, you would be able to re-apply for a loan modification.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I got behind, mailed a check for the amount (they had just sent me a bill), and they refused the check. I called, they said that I was in foreclosure and to contact their attorney, when I asked why they sent me a bill instead of a foreclosure they didn't have an answer. Their attorney never returned my calls and then pushed to foreclose. I met with a HUD approved counselor, and worked that angle. They held of foreclosure and said that I may qualify for some plan (signed into law by Obama, I cant remember the name of it) and that I had to make three consecutive payments and then they would decide.
During all this we turned in the documents to show my income (it was around $1700 a month at the time, the house was around $650). So in Feb. was the end of my three month trial, on May 6th they called to tell me that I didnt qualify for the plan (no reason given) but they would work on the modification and give me a decision. I scheduled another payment, on the 11th they sent me a letter telling me I was denied, that means the letter didnt get her until the May 17 and they have the sale date set on May 28. Not only that, I was denied because my income was "only $500mo." I have NO idea where they got that number, and when I had the lady look at my file, she found my check stubs were higher but offered no explanation... I go in with HUD on Thursday and begin the fight again.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi JasonL,

You should contact the lender and reapply for a loan modification. You should submit all the required details including your pay stubs and ask the lender to reconsider your offer.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

that's the plan, i am going to resubmit, i go through HUD because it give me additional backup and documents. but i am still angry that they have my income completely wrong, and they based it on figure in error (and yes, thanks to working with HUD, i know they received the correct info).

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My husband and I have been fighting with Wells Fargo for over 2 years to keep our home. We filed BK7 and was discharged 9/2009. The good thing is we didn't reaffirm the house. We are at the end of the rope, so far Wells Fargo gave us another 60 days and this time if it doesn't work---we'll be happy to just walk away. It will take 3 years after bK7 before we can buy a house again, that will be 2 years and 3 months to go. It seems the bank don't realize the worst are yet to come, someday all these that we're experiencing will come back haunting them. My husband and myself including any member of my family will never ever want to give any business to Wells Fargo in the future.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

It is not just wf it is all mortgage co doing this forbearance I have one that I paid 18000.00 to stop foreclosure and set up three payments of the same loan and came late the second month due to the 18000 45 days to be exact the company went back to original foreclosure sent back my check saying they deny the two payments and in less than a month they will be selling my house beat this

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I am sad after reading the above mixed people experiances from the WELLS FARGO regarding Loan Modification Process. I lost my job last month and called them, they offered me for the forbeance plan. They have reduced my mortgage approximate 1000 dollars and also told me to not pay for the january mortgage. my first new forbearance plan will begin this feb 1.
I am not sure, what are their motive behind this. I would like to keep this house. They gave me three months under this plan and after this what will happen, I don't know. Any luck.

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

As you've received a forbearance plan, you should pay off the dues as per that plan. This will help you in paying off the loan and saving the property.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I have also been going through this for 18 months! 3 temp loan mods and 2 special forbearance agreements! Every single payment for those were made on time and guess what, At the end of every single one, They said SORRY WE CANT HELP YOU ! I have done everything theyve asked and on time ! Just like i was worried about at the beggining they are sucking me dry before they throw me and my family out on the streets, But they are not going to throw us out until we have 0 money ! They are doing it to all of us! Its a SCAM!

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

well im in the same boat but i only own at this point one month and feb and thaxz for the advise i will pay the two months and im not even going to do that im just going to tell them that i will keep my same plaiment plan because i realy cannt loose my house this is all i have and im single with three boys i have strugle to get where im at and im unepleyeed and i could live the way im still leaving thats k thaxz and good luck to all of u i will keep u in my prayers its a tough road we r going through

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i was in forbearance for 9 month than they put me in forclourcer now a year later i am in mediation court fighting still to keep my house wells fargo has no idea what they are doing i had to hire an attorney and it still is not over good luck i did everthing they asked and what a mess. looking for an attorney that will go after the bank for all my destrss over all this i also filed a complaint with the attorney gerneral office

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

So, please someone tell me...is a forebearance just a put off to see if you can get a modification later such as if you don't qualify for a modifications due to loss of job then when you get ajob you can apply for a modification? They turned me down for a Internal Home Modification because I had no "income" actually my daugher and son-in-law live with me they were going to use thiers then they said no they coudn't because we had no paper trail because we had used cash for everything. This is a big nightmare! However, living in Joplin, mo with a tornado that came thru we got the foreclosure put off! I got a feeling this will never end! Any info appreciated!

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smith.sussane's picture
smith.sussane | Joined: September 18, 2008 09:57 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Guest!

Welcome to forums!

Forbearance helps you in suspending your payments for few months if you're facing any financial hardship. It is not just a put off to see whether or not you qualify for a loan modification.

Feel free to ask if you've further queries.

Sussane

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We started modification process back in March and finally Wells offered a 3 month special forbearance. Because of all of the horror stories, I read this forum and also called my home preservation specialist. Everyone I have talked to in the AL center were really nice & answered my questions. I am even assigned one specialist I have been working with. I was told by one of their reps today that a special forbearance is actually a trial modification to determine affordability, then after we pay for 3 months they will make it a permanent mod. I'm praying this is the case. This forbearance makes me nervous! Our payment is only $100 less though but we were 45 days behind so then next $1864 payment is not due until Aug 21st.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome daisey,

It is good for you that finally the lender has agreed to modify your loan. I will suggest you to pay the debts for the next 3 months as per the forbearance offered by the lender. I'm sure that the lender will modify the loan permanently after that.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I was mislead when I called Wells Fargo, the girl said they'd do the reduced payments because I was a good customer, never a late payment. I got docs and signed them, lost my copies and now I am having a heck of a time getting the original thing I signed. My story is the same as everyone elses. The original agent said it wouldnt affect my credit and that I wouldn't be charged late fees, all Lies! Now they are saying I owe over 4000 and I am constantly being talked to in a condescending way. I need the papers that I signed cause I swear it said nothing about owing a lump sum or late fees or credit reporting. The sad thing is that I can afford my payment now but I don't have 4000 so I am being forced into a modification because they can't/won't just defer the $4000. this is all so LAME. My first home, I love it and now who knows what will happen my parents co-signed and now they are screwed too.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

As the situation demands, it will be better if you could get the loan modified and save your property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hello Guest,
I went through a forebearance with Wells Fargo and it was similar to your agreement. I paid what they asked and everything went well....I did get the $ tacked on to the end of my loan...but they lowered my payment so it worked out for me. They came through...and it only took the three months they stated.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i did get a modification but it took 8 months and wells fargo put me thru hell. ruined my credit, reported me a no payments for 8 months even though I made the modified payment amount, then wells fargo wrote off the interest. I am late now and they call me every two hours, I too would join a class action law suit against them. they lie and get away with it.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Thanks Kelly for sharing your experience in the forums.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:16 | Post subject:

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Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

To all the people in this post I can tell you from first hand knowledge that Wells Fargo aren't going to do a damn thing other than foreclose on you and that's the honest truth. Save your money and file a suit agains' t your lender because after they drain your money on their wild goose chase they will use it to file suit again'st you. Stop letting these corporations get away with fraud and theft.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:16 | Post subject:

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adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi mo,

I guess you have been through the whole situation! I can understand your situation and can feel what you're going through. Thanks a lot for sharing your opinion in our community. This will help others take the right decision in this regard.

Like | Dislike | Share | Posted: Fri, 02/05/2016 - 02:16 | Post subject:

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