I have had a business relationship with Wells Fargo Bank for over 15 years. I have refi with them 4,maybe 5 and all went well. I had to refi due to a divorce in 2006. I paid her off and I owned the house. I have lived in this house for over 22 years now,and in 2009,2010,were two bad years for me as having injuries on the job,employer not paying their part on 3 seperate ocassions,and different injuries. I had some medical issues that I had to stay home to heal.

I have a hardship letter,if you read it you would not believe that situations popped up everywhere I turned. I was applying  for the final

refianance in 2009 to get out of a interist only loan. I make good money 60k plus 12,000,minus $52k,lowest. I fell behind because I had a new roof installed which I paid no interest same as cash,was paid off. Only problem is the roof leaked for almost 2 years from all the leaks. A  good rating from the BBB. What I did not know is the internal problems

that split the partnership up and the person who took the experience. I got the one who picked up 2 guys and what a bad choice. 5 days took months in the January time. No shows. I spent 20kMy eyes needed cataractic and lens replacement,$6000. Eyes were damaged due to a large airplane manufacturer did not have the proper equiptment when you did your yearly certification.My eyes were being blown by a 4 foot diameter fan,blowing in my face. My eye implants were fogged up and 10 lazer surgeries,and the medication that I was on for 15 years just stopped working when I came incontact with this

chemical called MPK. I have used it before with no problems but my body couldn't take it any more. I was sensitized to that chemical. This is a official training center for this major airplane manufacturer. They paid for a couple of weeks from Aetna,less than $500. The next 6 weeks I was having medication changes,over 10 now in over a year,and still unstable,but the best I have. I had UNITED LAW GROUP do the loan modification,it was not as active in washington,and serious in California. UNITED LAW GROUP FROM IRIVINE, TOOK $4000 TO do a loan modification. They did nothing but take the money. The FBI raided their office,found wrongful practices. There not shut down and I want to know why. If you look up the 2 Lawyers Sean R and Robert B have rap sheets that goes back 2002,3,4 having their licenses suspended. More the 3 times. Sean is with out on but still goes to aPfirm and teaches them about the con game,scammers. Working with Wells Fargo the first loan modifiction was $1250 a month. Previous loan (Interest only $1917 a month. I just received their modification agreement. I have to pay $2400 a month at 6.5%. This is not a loan modification as what I have read. You are suppose to pay the $1250 at 2% for 3 years,and 1%interest at the 3rd year,and !%until the 5th year. Can some one tell me how this is happening and I am with out information,and have written to the FTC,Attorney General,in California and Washington,The state bar in California,and Washington. I have not heard anything. Is there anybody out there who could give me some info. I know about chapter 13,and 7.

Check out information on Loan Modifications through the Washington State Department of Financial Institutions

http://www.dfi.wa.gov/consumers/education/home_loan/loan-modification.htm

This link also gives you another link to a list of approved HUD counselors. You should speak to one of them and check out the other information available on this site.

A few more links

http://www.dfi.wa.gov/consumers/news/2008/loan-modification.htm

http://www.atg.wa.gov/foreclosure.aspx

Good luck

thanx dear friend u are sending ya sahre all delatil about your and i am so glad to read it and me also a business man so i hope that help me a lots

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