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Homeowner Stability and Affordability Plan Info

Home Affordable Modification Plan
Have you noticed how many name changes this government modification plan has gone through? HASP, Making Home Affordable Plan, HAMP...blah, blah, blah. Maybe they'll have better luck getting the plan right, than they are at coming up with the right name. Hah! We can hope! :)Anyway, I thought I'd update you on our case. We finally got our signed documents returned from Bank of America. These are only the ones we signed for the trial modification at the end of July. It took three months for them to sign and return our copy back to us (acknowledging the agreement, I

Credit Card Reform for Whom?
I've heard quite a bit of talk in the last year, as I'm sure most of you have, about credit card reform. These new laws were supposed to help protect consumers from shady credit card practices with the excessive charging of fees. These laws are set to go into effect in February of next year. I'm wondering though, who is this really helping? In this last year, my rates on four of my credit cards have jumped, and the credit lines were decreased. Was this because of me being late on my payments, or charging excessively? No. In fact, most of my cards didn't even have a balance, and I've never paid late. I also pay more than is due most of the time (though that overage amount hasn't

Loan Negotiator's Response
I very quickly received a response from our loan negotiator from Bank of America in regards to the email I shared with you earlier. And here it is: Hello Nellie, Unfortunately I don’t have the answer you are looking for.However you can call 1.877.221.0825 they may have your answer Thanks That's the very number I called and told him about. It's the HOPE Department. They too, didn't offer me much information, only said for me to keep making the trial payments until I hear otherwi

Making Home Affordable Update
So I decided to call the HOPE department today, to see if they could enlighten me on what we can expect now that we've made our last trial payment on the Making Home Affordable 90 day trial modification. I had attempted to reach my loan negotiator, but wasn't so lucky in succeeding in that endeavor. I know they're swamped, so I'm not going to take that personally--yet;)Anyway, they had no new information for me. They don't know when they'll have anything to tell me. I was assured our application doesn't have any negative notes and that they have all they need from me at this time. I'm trying to be reassured by this, but we all kn

A Pricey Lesson, but I'm Thankful
It's amazing how much of a difference one day can make with one's attitude. Last night I was feeling pretty overwhelmed. "If it's not one thing, it's another!" I cried. It all started with an ice cream dessert with my family. We were watching Smallville on DVR (a favorite around here) and decided ice cream sounded good. We had a bunch left over from the multiple b