Thanks hwkies! I was offered a loan modification. That is what I tried to do at first. But with the missing payments it was way to much. I can't afford it. During our bankruptcy they started raising my payment every so often. I was struggling before. No way I could do the loan mod payment. The reviews from the company that services our loan are horrible! I hope it turns out okay. Basically my credit screwed up anyway from bankruptcy. Doesn't effect W at all. Her name is not on mortgage.
Me:44 EXW 44 Wonderful Children M11, T14 BD 6/14 OM Confirmed Divorce Final 2/25/16 "It works if you work it!"
