Taylor Bean Whitaker mortgage advise?

I have a loan with TBW, the investor is Wells Fargo. I lost my job earlier this year and tried to do a home mod with TBW. Finally in August, my investor had our mod paperwork but then TBW went bankrupt so all mods were put on hold. I'm just now being told that my morg. will go to American Home Mortgage Servicers..I still don't have any info about this from AHMS. My question is. I have been holding onto my payments since TBW is gone..I am about 4 payments behind but have 1 in my bank. I desperately need a mod. I am employed now, my income is less than what is was before so the payments aren't doable for me anymore but with a mod, they would not be a problem. How will AHMS handle my missing payments? Obviously I'm scared..I've done everything in my power to get a mod but there was no on to talk to in order to get this process moving. Any suggestions or opinions on how the new mort. company will handle this situation? Thanks!

2 months ago - 2 answers