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Countrywide said they can't help unless we are more than 30 days past due, now what because I am
I have received a notice of default from the county. I contacted the mortgage company a month before I missed my first payment telling them that I wasn't able to make my next payment and was basically told they were not able to do anything for me unless my account was more than 2 months past due. I kept calling them and finally when my account was 2 months past due, they offered to review options for a work out plan. I kept calling in regards to that for about 1 month and I kept hearing that someone would call me back. Then I received a letter from the mortgage company saying they did not approve a workout plan because I could not afford one. I've spoken with them and they've given me no options at all. At this point, I know I have to sell my home and I don't think there;s anyway of saving it.
what would I have to do in order to qualify for the modification of payment?
thank you
Sinceraly
Enrique Barrera