It's so frustrating......

Hello sanjana_aslama and thank you for responding to my discussion. Lately it seems like life isn't fair, ever! I have done well at juggling my schedule and responsibilities. It's just that my I have been trying to get my son scheduled for surgery since last September. Not only did the specialist not orientate me on the procedures involved, but I found out months after at which time I had to take him to see yet another specialist who couldn't see us for another two months. So the January appointment finally arrived, and at the visit we were told we had to do yet another 3 series of blood test before we could get the okay to have the surgery. So last Friday, I had my son call for the 2nd round of tests, because I work and can't make the call myself. They told him they are sending another prescription for another series of blood tests. This morning, a week after, I called to leave a message because we still didn't have the script. At that time, the person spoke to me in such a manner that was demeaning, and left me with little hope of getting anything done at all. Our original target date for the surgery was Winter break. That didn't happen. Now we are shooting for Easter break. It takes time to take the test, and get the result. We still have another round of blood tests before getting clearance. Time is slipping away, and it looks bleaker and bleaker that he will get the surgery he needs anytime soon. But, my hands are tied. There's nothing I can do for my son. Between the rules on my job, the rules by the doctors, the rules by the people who answer the phones that are supposed to help, it was just too much for me to take this morning. I had no one to talk to about it, so I cried for about an hour. After that, my husband came and asked me what was wrong, so I had a chance to talk it over a little with him. That made me feel a little better. I just felt like I had no control over anything, had the responsibiity for so much, and my hands tied to be able to take care of things.

I meant 'Shame on us'

Hi messageme, and thank you for your participation. Ummmm! Sounds pretty frustrating. I for one am in customer service, and can say that I am trained to field certain questions, and situations. I'm taught that I can operate within certain guidelines, and anything beyond that has to get elevated. So, with that said, please don't blame the customer service rep. It wasn't the rep that sent you the letter, and most likely has no idea of the existance of the letter, let alone what it says. As to falling behind in your payments, been there, done that! And, until your account gets to a certain 'status', they really can't do much. With that said, you will probably be given one or two options based on how bad the situation is. If its not too bad, they may accept 'interest only' payments for now. If they do, they will most likely add payments to the end of your loan. The other option is to wait until your account gets to their legal department. Once there, it's their responsibility to put you into a managable payment plan. It will take a while, but it will eventually work out. Make sure you agree to a plan you will be able to live up to. Most likely, once that's done, they will not be willing to work with you any further. And my all means, once you get into the agreement, don't let it fall behing again. Before it does, get in touch with them and work out interest only payments with them. They may not willingly agree, but you will have to push it with them. They don't really want to take the house, nor do they want the legal fees involved in going to court. Also, start researching other options. With the economy the way it is, the government has been working on ways to help us keep our homes. Good luck.....