I have a second on our home with First Franklin-10%, 101, 265.00...yeah that's my second. We have been making payments to them for over two years now, and have in the last 6 months been on again off again with keeping up. I can confirm that we do indeed get calls, but when we pick up there is a long pause-and then nothing. We sat down with a "counselor" and after, no-kidding, an hour and a half we thought that we were getting somewhere. By the end the best solution was to tack on missed payments at the end and then raise our monthly payments for three months, RAISE our payments. I don't care if I don't have to pay for one month, if I had difficulties before, where do you think this extra money is going to come from? I will not work with FF, but am wary of all the Loan Mitigation companies that are now calling because of an online form I filled out. Often they say they are part of the BBB, but when you look them up it says NR (no rating) which could mean a number of things. I know there's help out there, but who can I trust...HUD? Try getting through to a CHWORKS person and let me know how that goes. I have only been trying for three weeks, but with no walk ins and an automated message line it limits your options. I will save my house somehow.
