has anyone had success with NACA

[Mike]

Hi My name is Crystal and i have been browsing this forum for months and i thank you for all the efforts and strides that have been made on our behalfs. anyway my situation is like everyone elses. I have a IO, 3 yr arm with CW, set to adjust in February 09. I was told i could "streamline" after one year and get a fixed rate but when i called to do that of course no one knew what i was talking about so obviously that isn't going to happen. I've tried to re-fi but we are underwater, FHA is bogus and so is NY's Keep the Dream program. so i found NACA and have been dealing with them since November. My file was just submitted to Countrywide and NACA claims that they have a legally binding agreement with CW to modify mortgages. they proposed a fixed rate reduction to 6.015 from 7.65 +, and fully amortized. Does anyone have details on this "legally binding" aggreement? so i was wondering if anyone out there has had success with CW and NACA and if anyone could give me any advice on how to speed this process up? should i email those addresses listed for CW to get answers on my progress.?I have all intentions of being a squeeky wheel, i just want to be a good one. Thanks again for all your help and positive inspiration. sincerely, Crystal