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[quote=Anonymous][quote=Anonymous]Something similar happened to me. Sent bunch of paperwork for months and months and they even filed to send me a letter denying modification. Received that letter months later apologizing that they forgot to tell me that I was denied and should pay up. 
I was able to borrow money from relatives to pay up and get out of foreclosure. forget the refinancing/ modification/ hardship unless you have a lawyer do it. It's endless useless phone calls if you do it.
Please check craigslist and get a job as a hostess/ waitress. We are constantly hiring. Can't find people to work  for $11 (hostess), $15-$30 an hour (waiters). I'm home with a baby, but go to work at night and on weekends when my DH is at home.
Good luck![/quote]

For months all the mortgage company did was continually ask us for the SAME paperwork over and over. I asked them before it they can refi our loan and was told they dont do anymore financing, would have to go to someone else. At this point, I am ready to just tell them have the house but am too smart to know the offers they gave us (deed in lieu or short sale) means no money in our pocket. even if we walk away with minimal is more than if we do it the way they are offering.

I sat up late last night in between working online and filled out multiple job apps. Getting ready to look at more stuff on Craigslist tonight.[/quote]

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