Here's a good one! 1st mtg is with chase, will not budge on modification-interest around 7%- (sell your 4 year old car (huh?). Then there's the 2nd with citimtg-short sale with chase then settle with us. Another, huh? ( refinanced in 2005 during exaggerated home values-house not worth balance on first mtg!)The interest rate is 9.5%! what is WRONG WITH THESE PEOPLE??!! Does it really benefit either one to foreclose? (not yet) why can't I get a modification to lower interest and the payment? Neither one wants to modify. Oh citi said check with gov. mod program with chase. Just going around in circles until caught up.

Don't fret! I am ok! (this is the slow season for the husband-things will pick up soon) We are not in the poor house yet.....the reason for my post is these banks are idiots! They don't want to do anything! This is what's happening to average Joe public!

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