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I need to restructure my loans, will Accredited Home Lenders do that?
In July of 2007, I paid my mortgage in advance for August and September. I had financial difficulties and was unable to make my October 2007 payment on time. I contacted Accredited Home Lenders and am currently on a payment arrangement plan that allows me to pay an additional $150 each month until I am caught up. I will be caught-up with AHL by the end of April 2008, however, I have unsecured and credit card debt totaling over $10,000 and a second mortgage. I am not solvent right now, and am running short each month by about $900. I am trying to stop things from getting worse and would like to restructure both my first and second mortgages so that I am no longer running short each month and have enough cash in hand to make settlements on the unsecured debt.