David,They asked, "how much money to do you have?". That seem a little used-car-salesman like
Yup. Because in the end, that is all they care about, I am afraid. have enough to bring the mortgage up to date and I thought they might take that and be done but.... they suggested that I do a home modification paperwork (total financial disclosure) that it would delay the sale date of the house so that I could come up with the additional attorney fees that would be due.
Well, I would be careful. Sometimes
a mortgage asks you to do a modification and then claims to have it approved, you have to fall even more behind. But once you do so voluntarily and cannot catch up even if you wanted to, they foreclose on you. Some banks have been sued for such behavior. I do not trust them. It would be wise to stand in the position of "look, I will catch up and not fall behind again. I do not need to do a modification here."I feel like I slipped into that one. Now they will have all the money AND all my financial information.
If you already sent them that paperwork, oh well - what is done is done. If not, then see above.Is my thinking correct? or paranoid?
A little paranoid. However, being worried is healthy. But you may be catastrophizing. See here
. It is when our brain tags on to the worst case scenario and begins to run with it. One step at a time
. You will get through this.
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