I would suggest checking out NACA.COM. I am in a similiar situation with First Franklin and learned about NACA this summer. They are a non profit consumer advocacy group that helps people like us to fight predatory lenders like First Franklin. Check out the website to see if there is an office in your area. It was a very imformative meeting and it cost NOTHING but your time. The idea is that they will help you by working with you and your lender to get your existing loan modified PERMANENTLY! That is the problem with Obama's HAMP (Home Affordable Modification Program), this is a temporary solution. I hope this helps anyone who's looking for help. I still have to do my due deligence, but NACA is advocating on my behalf and have educated me on what I can do for myself. I have contacted my US Senators in my state, as well as my Congressmen. I wouldn't have had the knowledge or inclination until I attended NACA's class.
