Thank you. I was just concerned because once they file a notice of default with the courts, I will then be responsible for other fees and I really would like to avoid this. It also makes me a bit nervous. I am aware of the freeze on the foreclosure process during review. I was just confused because in the information letter that the bank mailed to me explaining the HAMP process it stated that if you are not approved, you will receive a letter stating this and that you have 30 days after the non-approval notice during which time they cannot foreclose. I think this is in case you want to appeal the decision. I have also read this in other descriptions of the HAMP process. When I asked the loss mitigation rep she was unaware of this even though it is stated on the correspondence that they provided. She said she didn't see that any such letter was sent even though I have a copy that I received in my original packet. She also said that I am not entitled to appeal, although she couldn't give me reason. I wasn't planning on appealing unless I thought it would give me another couple of weeks to pay them the arrears. I submitted financial documents showing them I can make the payments, but they said nothing can be put on hold and they do not make repayment arrangements when you are more than 2 payments behind. So, I received my denial last week, do I have any expectation that I might actually have a few weeks before any further action is taken?
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