Do to the economy work has cut back on hours and jobs have been lost. When trying to work with wells fargo on a modification, do to the lower value of my home and the lower income. The statement i received was "you can send in papers but, if you make your payment, it will kick you out of the system. They want me to use every bit of my saving, what little is left. They don't want to help the people that are trying. They only work with though that are delinquent. They want me to screw up my credit scores, that i worked so hard to keep.
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