Can anyone help with CIT???

[Joel Fraser]

Help! I have a loan with CIT. Lost my job 10 months ago, just got a job this month. I am trying to get CIT to lower my payment because I am out of reserves and working straight commission. They say I am in a secured package and loan can't be modified because not adjustable. They are only the servicer and I don't know who really has my deed. I just need a couple of months to get myself on track. CIT say's they won't do anything until I am 90 days down, I don't trust them and by then credit is so destroyed there will be no hope of getting out of this company. My prepay is up in July 2008. Can someone offer advice? Loosing hope fast.