EMC and chapter 13

[Joel Fraser]

Lender: EMC in Lewisville, TXState of residence: NJI have a lot of questions and I'm still reading to see if I can find the answers I need. As first time home buyers we made a lot of mistakes. First, in trusting a mortgage broker when I asked about having an attorney look over the paper work and being told, "oh, that's not necessary. It's all pretty cut and dry"I'd like to see if anyone can answer my first question. It's all so very complicated!* We filed petition for chapter 13. Our petition was dismissed but has since been re-instated.* Can we apply for loan modification?I might add that we asked EMC for a loan mod. in Jan. 08 and what we were given was a forbearance - although our loan was not in default. I didn't even realize the difference between a loan mod. and forbearance agreement!Our mortgage payments are current but according to EMC, they are not current. I am still trying to get them to explain why they say we are not current. It's like pulling teeth. When you call them you get shuffled around and everyone you speak to tells you something different. I sent them a certified letter with a list of 19 questions I need answered. Hopefully they will respond in writing as I've requested.Sorry - didn't mean to start rambleing