Need help with the Obama Plan

Obama did create a plan to help homeowners however, it is only enforced if you have an FHA loan. You can still get a modification but it will be at Wells Fargo's discretion.

We are in GA and just filed for CH 13 bankruptcy because of Wachovia and you all are right when u say that they could care less for us little homeowners. I am so determined to get someone to help me with them because I do believe they totally mishandled our 1st loan mod application request from March 09' and did not follow the way the process should be done because I was getting denial letters from Wachovia before the process had barely started and when I contacted the person i was to speak to and told him about the letter he said just ignore it because my request was still pending. Anyway that is just the beginning but many things were screwed completely up and they were my 2nd lienholder but 1st had already (Chase Home Finance) had us on a trial period payment plan so it did not make sense Wachovia did not approve us because owe chase 2x the amount of Wachovia's loan. anyway contact your congressman because I did and received a letter 2 days ago that he is going to look into my situation with Wachovia because I told him it was mishandled. Write your congressman & Obama from white house link because I did and don't give up because our homes are all we have. Fight these big banks and the let your elected officials know you mean business and we are not giving our taxpayers funds to banks for their benefit. they are suspposed to help homeowners, REMEMBER!!!! WRITE THEM NOW!!

I am so glad that I found this website and the blog re: ASC! Our payment has been creeping up for the last 3 yrs. and two weeks ago we began the process of asking for a loan modification. First, we never received the paperwork and then they sent us paperwork to fill out that had someone else's name and financial info on it and when we called, they said "just scratch it out and put your's in" !!!! HELLO? That did it for me. Among all the other complaints I have regarding this company, this one has to be the biggest. One has to ask, has our information been sent to someone else? I'm going to start contacting every bank/company I can research with positive reviews to get the process started to get away from these people. If anyone has begun a class action suit, please count me in

i flie chapter 7 two years ago and did not reafirm my loan with wells fargo i am trying to do a loan mod but they keep giving me the run around if i leave my house now when will i be able to buy again?

Carla, read the other posts. Wells Fargo is not a company you can work with. If your loan is not an FHA loan, they won't help you. If you've kept your credit clean since the Chapter 7, you'll have a better chance at a different bank depending on what has sold recently in your neighborhood in order for them to be able to determine the value (also known as comps.) There's obviously a lot more involved but do yourself a favor, please read through these posts. You'll get quite an education. I know I did.