Grays

I worked for the largest foreclosure law firm in Florida for 5 years so I may be able to tell you how our clients (Including Countrywide) Operated, but do not mistake it for advice as I am not qualified to give advice on legal matters such as foreclosure.

Most mortgage contracts give the mortgage company the right to foreclose after ONE missed payment, that includes payments not made in full, which in most cases are returned unless the borrower has made specific agreements with the mtg company.

If the mortgage has indeed gone into foreclosure they will not accept anything but a full reinstatement which will be all missed payments and any attorney fees. Typically though you can work through the attorney doing the foreclosure to work out a payment plan, loan mod or some other loss mitigation plan.

The absolute worst thing they could do is not talk to the Mtg companies attorney IMMEDIATELY as they atty fees start piling on VERY fast in the beginning because they start pulling your property information and getting the complaint ready for trial. ALWAYS insist on all information, and call back reguraly and often to check on ANY requests. Squeaky wheel gets the grease so to speak. ALWAYS try to speak to the Atty handling your case, insist on it, then when you do finally talkto that atty, BE NICE, get them on your side. That will go the longest way. As the atty ALWAYS has to get permission from the MTG company for everything, and its much easier when that atty is trying to help you.

Now if your interested in taking action against Countrywide your best bet is to get your own atty, then it goes to FTC for complaints and so forth, which hardly work unless you have a GOOD atty.

Hope that helps... If you have questions feel free to ask, I will answer what I can.

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