...the journey is officially, "under way"

the day after I met with my HUD counselor...
and she informed me that she had just faxed...
my 1st mortgage modification application...
for the third time...
I got a form letter from WFB...

they thanked me for my "interest" in modifying my loan...
blah, blah, blah...
and then asked me to contact them with ALL the materials...
that have been submitted 3 times now, since 9/17/10...
[blah, blah, blah...]

I suspected that this was really bankspeak for...
"we are going to drag this out by confusing you"...
and, "we're hoping that you get frustrated...
so that we can continue to bleed you dry...
while we muddy the waters with requests for unneeded documents"...

well, the months of dreading the possibility of this process...
the pain of realizing that I had come to this place...
the really humiliating moments of telling a lawyer my situation...
and then contacting and finally meeting with the HUD counselor...

have toughened my resolve to trust in God...
and see this really unpleasant time, through...

on Dec.9, when I met with the HUD counselor...
and she told me that she had just submitted all my paperwork...
for the third time without any acknowledgement...
that they'd received it except the fax cover sheet on the last try...

the form letter I got yesterday was dated Dec.9...
so I guess the 3rd time was the charm...

I called my counselor to let her know what I had received...
and that I assumed that since I was dealing with the bank...
through them[the VHB HUD company]...
that I didn't need to respond to WFB in any way...

she affirmed my thoughts and said...
that I was correct in thinking that any phone calls...
or materials sent to them would only "muddy the waters"...
and allow them to stall longer...

so at least I know that WFB has my application...

and my counselor is sending a package to the holder of my 2nd...
who are threatening "foreclosure"...

but she has assured me that since the 2nd holders' claim...
is less than half of the first AND I'm upside down to both...
AND my only income are pension/SS payments that they can't garnish...
with no savings or assets they can seize...
there isn't much that they can do...

this also goes for the credit card companies...
who have now resorted to nasty letters from lawyers...
aka.collection agencies...
as well as the daily phone calls that leave voice messages...
which I delete without listening to...

but nothing can begin for me as a solution to them...
until my first is modified...
so I'm pleased that the process which should have begun in September...
has finally begun in December...

I'm told that it can take 4-6 months to modify a mortgage...

and, of course, all my paperwork that was current in September...
is a bit out of date in December...
but I did just resubmit income verification[pension pay stub]...
and bank records for Nov./Dec. for the 2nd package...
as well as the SSA "benefits payment" verification letter...
so at least that's available from the counselor...

we're to meet after the first of the year...
and see where we are then...

hopefully, there will be a happy ending...
sometime in the future...

but I must share that as daunting as this experience has been so far...
I have been able to find a sense of peace & calm in trusting God...
and though I know that there will be more scary moments ahead...
He will be with me, guiding my steps and holding my hand...

that His will for me, will prevail...
and that's enough for me...

God is Good, Indeed...