Journey through loan modification …

I am going to share with you; dear reader, my story about loan modification.

Starting with financial melt down and the biggest recession of my life time in U.S., our home that me and my wife live in lost almost 25% of its initial value. At the same time I lost/quite my second job, I am saying LOST since, it was part time and I was working for a Chinese distribution company between 6-8 hrs in the afternoon. They decreased my hours to bear minimum working hours in a sense that staying there would be almost as if I had no job. So I had to leave the position.  Comes to time, the expanses   and you know the story …

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LBPS (Seterus as of July 9) have much better customer service. After a while of correspondence, my loan went to forbearance agreement (a period of small forgiveness to see what happens). We are still negotiating with the lender hand-full of documents hoping to get the HAMP (home affordable modification program).

And the journey goes on….  . I will keep you updated!