Don't we know it!!!! ALL the time!!!
You know I called Countrywide 4 or 5 times trying to get them to help me. They would not budge. I gave the CSR my info and the hardship that a $3K mtg. payment would cause and sent over to their workout division. Never got a call, never got a letter. Finally, on the 30th of October, I got the call from my broker that we were closing that day. I would have had to go into foreclosure or try to short sale the house. I am happy to get a breather for 2 months. House going on the market in March. Never want this kind of stress again.
Eve