Well, this is not what I wanted to post at anytime, but it's my fault and I'm not yet sure how to proceed.
We are towards the end of our BK13, 10 months left. Out mortgage was assigned to Rushmore from BofA. Value currently is around 315K. Owe $377 on first, and $95k on second. 2nd is included in filing. We are also $23k behind on the first. Well, I actually believe it is less, but it is what it is, we are behind. They have filed and court granted motion to lift. My attorney is not exactly the best with getting back to me.
OK, so Rushmore submitted the paperwork for Hamp. We already had Hamp 1, 4 years ago. So we were hoping for Hamp 2. They came back declined because they said our debt ration is too high-17%. Now, they for some reason messed up on our income by $26k annually which they tell me they are looking into. But even corrected we are at 23% or so. They claim 25% for HAMP 1 or 2.
What are out options at this time? Should I try to apply to HAMP direct for a HAMP 2 review?
Thank you in advance
We are towards the end of our BK13, 10 months left. Out mortgage was assigned to Rushmore from BofA. Value currently is around 315K. Owe $377 on first, and $95k on second. 2nd is included in filing. We are also $23k behind on the first. Well, I actually believe it is less, but it is what it is, we are behind. They have filed and court granted motion to lift. My attorney is not exactly the best with getting back to me.
OK, so Rushmore submitted the paperwork for Hamp. We already had Hamp 1, 4 years ago. So we were hoping for Hamp 2. They came back declined because they said our debt ration is too high-17%. Now, they for some reason messed up on our income by $26k annually which they tell me they are looking into. But even corrected we are at 23% or so. They claim 25% for HAMP 1 or 2.
What are out options at this time? Should I try to apply to HAMP direct for a HAMP 2 review?
Thank you in advance