I Don't Know...

I'm trying to figure out wtf is going on with this "appeal".  I guess somehow they are legally obligated to do it - but since there was nothing new to input - I can't see that there will be any different outcome and/or why it is taking so long.  I almost think it's intentional, to drag it out til the 30 day notice thing is done.  I really need to check their numbers on what they came up with for our mod last fall and see what it works out to.  Technically speaking, I believe they moved about 40,000.00 to the end of the loan and reduced the interest rate SLIGHTLY...but I'll have to check it out and plug in some numbers to see how they could have arrived there.  But there is no way in HELL we could have even QUALIFIED, regardless of how they got there.  If they were using Shelly's GROSS income...I guess technically (since we didn't have much, if any "revolving" debt)...the end payment was over 50% of gross.  But they did virtually nothing to help.  We don't have much to stand on, if they won't include any of Mom's income.


As far as going through NACA...or that other loan mod place - I'm not quite sure what they can do.  At first I was going to have them do something...talk some sense into these people about including Mom's income?  I don't know - I was up and down as to whether or not it could help - but then I was going to go with the reduced expenses (3 in household/working from home) along with renter "Jolene Cox" to or actually - a contribution letter - but it appears they want statements showing it's already happened - and that it WILL happen doesn't matter.

On another note - it just goes to show.  Although it's not as if something like this hasn't happened.  Shelly comes home/gets a text from Siobhan that she's coming up to 24hr fitness anyway.  So now she's going back up.  How strange is that?  And this constant trying to get ahold of Cali.  Yes, I agree it's pretty fucking weird...but I wonder...