another homeq story

[Joel Fraser]

Good mornig,This is my first post,so bare with me.I,m currently with Homeq and I,m thinking about doing a loan mod myself.I,ve been researching companies but they want alot of money upfront which I do not have,or the companies that don,t take money seem not to be as likely at getting the results.I,m just so nervous about doing it on my own I,ve been dealing with Homeq alot and threre very difficult to deal with.I,m currently in a forbearance now paying 7,000 a month it is draining every cent out of me I,m in jeapordy of having my power shut off and can,t pay any cc debt we have so I recieve endless calls from collections,and lawyers saying they are going to sue.I like the rest of the country fell behind to do layoffs at work .the price of oil, and I had my mother & handicapped brother in law living with us which I was paying all their expenses.We fell behind on the mortgage was then served the forclusure papers and entered into a ridicules forebearance agreement.Which they should,nt even call it agreement because you either do what they ask or good bye house.After reading all your info on loan mods I,m interested in trying it out .Just have a few ?.When you do the expence sheet are you calculatating the figures based on what my mortgage pymnt was before the forebearance or what it is right now.I know you should have about 100-250 extra?Also should I just start emailing the ceo,s you listed right away without even speaking to loss mit first?Also should I just start faxing all the info you suggest right away? I,m currently dealing with one of their anylists about a screw up they made with our 1st forberance agreement i,ts been going on for months and every wk I call I,m told it,s still being investagated.This is why i,m so hesitant to deal with them.I,m just afraid I,ll screw up and make matters worse.Sorry I rambled so much but I just really would love some advice. Thanks miw1267