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I thought I was being proactive and called Wells Fargo for help. Well, they dragged out things for a month and then denied the modification. They said if my loans kicked in today that I would not be able to afford a modification and even if it was 3 years down the line that in 3 years I would not be able to afford the mortgage. I was in disbelief they would deny us as we have been on time and good customers of theirs. I thought I was doing something good by calling them and they have zero compassion and zero understanding on our circumstances. Next, a friend direct me to the Hardest Hit Fund in NC which helps individuals with medical hardships.

I applied through a local agency and they called me a few minutes ago saying that they could not submit my application because I have not yet been cleared by the doctors to be able to go to work. They claim they can only submit for medical hardship if I am able to look for work. The Hardest Hit website does not say this anywhere.

Initially I called the toll free number here: and was pre-approved to apply. Why this local non profit say I am not is baffling. Are there other options out there to help us keep our home while my wife get back to work and I am able to work again?

This process has been disheartening to say the least. This has been the most stressful time for my family. First, I recently had top payday loans online a kidney transplant, which was major surgery. My wife, had to take family medical leave as I was in the hospital about 3 weeks. My wife has not had an income from her job and all we have is my disability income I was receiving for kidney failure and being on dialysis. We fell behind on our mortgage, now 2 months behind. Prior to this we had not been late or missed a payment in over 5 years, coincidentally 5 years ago was when my kidneys failed. I thought I was being proactive and called Wells Fargo for help.

Well, they dragged out things for a month and then denied the modification. They said if my loans kicked in today that I would not be able to afford a modification and even if it was 3 years down the line that in 3 years I would not be able to afford the mortgage. I was in disbelief they would deny us as we have been on time and good customers of theirs. I thought I was doing something good by payday loans nc calling them and they have zero compassion and zero understanding on our circumstances. Next, a friend direct me to the Hardest Hit Fund in NC which helps individuals with medical hardships.


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I applied through a local agency and they called me a few minutes ago saying that they could not submit my application because I have not yet been cleared by the doctors to be able to go to work. They claim they can only submit for medical hardship if I am able to look for work. The Hardest Hit website does not say this anywhere. Initially I called the toll free number here: and was pre-approved to apply. Why this local non profit say I am not is baffling. Are there other options out there to help us keep our home while apply for personal loan online my wife get back to work and I am able to work again?

This loans now process has been disheartening to say the least. The HHF is for those that are unemployed or underemployed through no fault of their own, which you would definitely be eligible for. Once you found out you were eligible by contacting the NC foreclosure prevention directly, why did you go to another entity for help rather than continue the process directly with the source? You should definitely submit your information directly online through the NC Foreclosure Prevention site The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Most of the information you find here is easily available on the internet.

You should contact your attorney to obtain advice with respect to any particular issue or problem.

The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney.

Please Read our Privacy Policy and Legal Disclaimer The HHF is for those that payday loans idaho are unemployed or underemployed through no fault of their own, which you would definitely be eligible for. Once you found out you were eligible by contacting the NC foreclosure prevention directly, why did you go to another entity for help rather than continue the process directly with the source? You should definitely submit your information directly online through the NC Foreclosure Prevention site Thank you for your reply. I only transferred to this agency because a friend informed me that they just got approved through this same agency and suggested I call them. Fortunately, I called the program directly and they told me that I can submit a new application online which I am going to do today. I only transferred to this agency because a friend informed me that they just got approved through this same agency and suggested I call them.


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Fortunately, I called the program directly and they told me that I can submit a new application online which I am going to do today. I am thinking that you will have a much better outcome applying directly for the HHF program.

Good Luck and please keep us posted on how it goes. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily top payday loans online available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer I am thinking that you will have a much better outcome applying directly for the HHF program.

Good Luck and please keep us posted on how it goes. Just an update: The HHF did not reject me, however they asked me to reapply in January when the doctors will top payday loans online give a letter saying I can start looking for full time work. The way my drs worded the letter basically read as no full time work until we say so.

In cheap payday loan the meantime, I need a solution to get me through to January. Wells fargo is not willing to help me out with a modification. Mind you, I have not missed a payment or been late in 6 years.

In the meantime, I am trying to keep my stress level down in order to take care of my new kidney.

Just an update: The HHF did not reject me, however they asked me to reapply in January when the doctors will give a letter saying best unsecured personal loan I can start looking for full time work. The way my drs worded the letter basically read as no full time work until we say so. In the meantime, I need a solution to get me through to January. Wells fargo is not willing to help me out with a modification. Mind you, I have not missed a payment or been late in 6 years.

In the meantime, I am trying to keep my stress level down in order to take care of my new kidney. January is only five weeks away, is there any way the doctor can give a letter with a definitive start date for the purpose of the modification? The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.


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Most of the information you find here is easily available on the internet. You should contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are top payday loans online the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer January is only five weeks away, is there any way the doctor can give a letter with a definitive start date for the purpose of the modification? After going through the process, and having all indications personal loans fayetteville nc that I would get approved, they denied me.

I wish I could leave my wife off the app, however since we file taxes jointly they told me she has to be part of the application. After going through the process, and having all indications that I would get approved, they denied me. I wish I could leave my wife off the app, however since we file taxes jointly they told me she has to be part of the application. If the payment truly is only 19 percent of your gross income, then your loan will not be eligible for any type of modified help at this time.

Another option may be to ask for some sort of repayment plan for past due payments so that you can bring the loan current. The comments by me and the materials available at this web site are for informational purposes only and not for the purpose of providing legal advice.

Most of the information you find here is easily available on the internet.

You should payday loan direct lenders no credit check contact your attorney to obtain advice with respect to any particular issue or problem. The opinions expressed at or through this site are the opinions of the individual author and may not reflect the opinions of the firm or any individual attorney. Please Read our Privacy Policy and Legal Disclaimer Get free mortgage help today.

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