Not in default, yet.

[Joel Fraser]

Hello, I have been reading on this website for months (very informative). I obtained my mortgage in 2006 with First Franklin. I first started seeing signs of trouble (with my finances) in early 2008. I contacted First Franklin to let them know what was going on (Husband's income dropped, dramatically). They told me to submit my paper work with a hardship letter and they would see what they could do. I did this in June 08. So I called back in July to check on the status and nothing had been done. I called back at the beginning of August and they said that they were working on it. I called back towards the end of August and I was told that my mortgage was being sold to Select Portfolio Servicing beginning Oct 1, 2008. I asked would the mod be done before handing it off to SPS and they said they would do their best. Well mean while my mortgage has gone up by $300 because of unpaid taxes. This was the original reason for asking for the mod so that I would be able to pay the taxes. Now I am with SPS and of course no paperwork for my mod had been sent over. I have filled out everything for SPS and submitted it. And now in the waiting process again. But not sure if they are going to help me. I am still current on my mortgage but I don't know how long I will be. And I am thinking that if I default they will definitely not help. Any suggestions? Thanks, nichelle90