Crap, I had a long post and my mom distracted me and it deleted. Crap. Will recap later.
Okay, here's the nutshell of my previous post because I don't have an hour to sit here and retype what I typed earlier...nor will I have the insight, I don't think.
I haven't been on here because we were going through some pretty stressful stuff. I know you have all heard about the sub-prime lending crisis, well sadly, we were included as one of the victims of it. So after doing further research, I found a website that provided a means to fight the system and not lose our home. I encourage anyone who is in a situation where you might lose your home, please visit http://loansafe.org There is a wealth of information on that website and the people are amazingly supportive. Because of the good advice we received on there we were able to properly submit a loan modification package and got approved. THANK GOD! I can finally breathe.
I will post the details of our trip to Disneyland later.
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