Please help! Questions about hardship letter and expense sheet

[Mike]

First of all, this site is amazing! I've gone from being an uninformed stressed out mess to being a well informed stressed out mess - ha, ha! Last week I had NO clue what to do or where to start and now you guys have armed me with great info and a direction. So thank you. I'm in the same boat as everyone else. I'm getting ready to send out my hardship letter to Countrywide and had a couple of questions. 1. Should I e-mail only a hardship letter first and wait to send paystub and expense info until they request it? And am I understanding correctly that I want to send my letter in the body and not as an attachment? 2. When sending an email what is everyone putting in the subject line to get the lenders attention? 3. Is the expense sheet in the tool box a realistic example of what Countrywide might ask in terms of bills that I have? I didn't see anything in the expense sheet about grocery expenses - do they only care about bills? I look forward to any advice you all can give. Thanks!