Okay....we are still processing paperwork

I did get to personally talk to the specialist at the start of this week and got the two packages of forms that arrived a week ago finally clarified ..... as to which ones were the "new" forms required  to be re filled out. They are both so simular it is odd and they are even simular to the one filled out at the last atempt of a modification but each is slightly different from each other.

She also informed that since the co signed does not reside with me that the paperwork becomes more complicated to keep things straight for the underwritters as this is not a normal situation for them to review.

In so much we had a few more things to submitt (1) that I needed to submitt a to include that I was not the one in bankruptcy and that my co signer was the one who did, that my cosigner does not nor has he ever resided at the property and has no interest in the property other than being the co signer....(this is already presented within the co signers bankruptcy paperwork the bank has with the property not being covered by the bankruptcy because he had no ownership in it) and (2) my co signer had to submitt a simular letter clarifing his bankruptcy and residence situation. (3) My co signer needed to submitt a Hardship letter stating the reason a modificationis being requested not just the statement included in the homeowners assistance form (4) I was told the bankruptcy and residence statements requested by the both of us could be included in the hardships letters and I rewrite rewrite the one I had submitted to include that information to reduce the paperwork having to be forwarded to the underwritters. (5) The new version of the Homeowners Assistance form needed to be submitted by the cosigner as the older verison would not be accepted by the underwritters (6) my subbmitted copy of the form needed to be redone with all notation I put on it, as requested to include to back up my situation, now needs be put on seperate explaination page as it looked too cluttered and would most likely be rejected by the underwritters (7)a documentation reciept from my co barrower needed clarification as it didn't show who it was from or clearly what it was for.

I am upright, functioning betwen sleepiness and freezing, but working on my rewriting my statements and paperwork and prepared the paperwork to to to my co signer in overnight mail, now on on Monday morning, since I missed the mail or post office being open today. I purchased the $19.95 postage yesterday, but our mail lady informed me this afternoon the package #'s have to be registered at the post office to be tracked to insure overnight delivery. Oh well I tried to make it easier ... never the less he still wouldn't get it till Tuesday anyway.