3 1/2 years ago I switched jobs. My wife and i were high on our credit and mortgage, and i took a 12k pay cut (also lost medical insurance from company prior). The slowed economy has slowed my catching up on income. I was soon maxed on credit cards.
I turned to CuraDebt for debt settlement help back in May of this year. They also referred me to a modification comapny since they only handle unsecured. I have a 1st and 2nd with Wells Fargo.
I worked with Rocky Mountain Processing (the company I was referred to) since june and paid $1,200 so far. As it turns out it was a scam and Wells had only 2 phone calls in 6 months, but no modification paperwork submitted.
I am now way behind (5 months) on the mortgage, the home is approx 70k uner water on the 1st and then there is the 32k on the 2nd. I am looking for honest help in negotiating with Wells Fargo and have hit a wall.
I was just about to go with “my home advocate” untill i continued looking and found you. Please give me some direction here. BTW we are at around 29% on the 1st as part of the HAMP rules, but I here traditional mods are possible. I am quite confused by all the B.S. being shovelled my way. Help!