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Lost job, behind on payment, WAMU said they can't help... what now?

January 03, 2008

I lost my job in the beginning of November. I owe the December payment and January has a grace period until the 15th. I have fallen behind in the past, but was always able to catch up. However, WAMU has always said they do not offer forbearance. A repayment plan would only raise my payment. I don't think I can refinance if I am unemployed. What should I do?

This entry was:
Posted By Darin at 03:54 PM
Comments (1) | Categories: Washington Mutual, Rhode Island Foreclosure | Tags: washington mutual rhode island
 

Comments

I AM CURRENTLY BEHIND 3 MORTGAGE PAYMENTS ON AN ARM LOAN THAT ADJUSTS NEXT MONTH. I HAVE RECEIVED ABSOLUTELY NO HELP FROM WASHINGTON MUTUAL SINCE I STARTED HAVING FINANCIAL HARDSHIP ABOUT 6 MONTHS AGO. EVERYTHING I ASKED ABOUT, THEY SAID NO- WE CAN'T DO THAT. THEY COULD NOT DEFER A PAYMENT, REMOVE MY ESCROW ACCOUNT TO LOWER MY MONTHLY PAYMENT, THEY WOULD NOT LET ME SEND PARTIAL PAYMENT SUCH AS INTEREST ONLY, AND COULD NOT EVEN WAIVE ONE FEE TO PAY BY PHONE WHEN I ACTUALLY MAKE A PAYMENT. AND STILL, WITH THIS TRACK RECORD OF ZERO SUPPORT TO THEIR CUSTOMER, THEY INSIST THAT THEY DON'T WANT ME TO LOSE MY HOME. NOW, AFTER WEEKS OF OFFERS TO REFI, THEY WON'T BECAUSE OF THE LATE PAYMENT HISTORY. ALL THEY CAN SUGGEST IS TO FILE LOSS MITIGATION. I AM NOT SURE WHAT THAT IS OR WILL MEAN TO MY SITUATION NOW AND IN THE FUTURE.
ANY SUGGESTION AND EDUCATED OPINION IS MOST APPRECIATED.
THANK YOU.
Posted By Mrs. Rodriguez on April 02, 2008 at 02:40 PM

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