Success CW Option Arm

[Mike]

Hello. I'm a new member who just joined in today. I have 2 loans with CW. A 1st & 2nd on my primary home and a 1st on my rental property. I am currently struggling with both. On my 1st, I have a Neg - AM which is adjustable loan which has gone negative. My 2nd loan is a fixed 10%. When i purchased this home, i gave 10- 15% down. I am currently on a repayment plan which i am not able to keep up.:( The repayment plan was offered to me because i became 30 days delinquent and only covers the minimum payment still causing me to be delinquent. My next payment under the repayment plan in due on the 20th. I'd like to get out of this repayment plan and possibly request some sort of modification that won't cause my loan to become negative and to have a better interest rate. I don't know where to start. Please help.