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	<title>Comments on: K.N.C. Financiera Inc.: California DRE Files Cease and Desist</title>
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	<description>Loan Modification &#38; Home Loan News</description>
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		<title>By: Cathy Fantulin</title>
		<link>http://loanworkout.org/2009/11/k-n-c-financiera-inc-california-dre-files-cease-and-desist/#comment-18043</link>
		<dc:creator>Cathy Fantulin</dc:creator>
		<pubDate>Mon, 16 Nov 2009 12:51:07 +0000</pubDate>
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		<description>My husband left me last month after realizing our 8 year old house and finances were sinking fast. I am on ssi/disability and make additional $700/mo working as a psych nurse. He should be giving me alimony after the divorce is final in 6 mos. My house morgage is
$300, and the equity line (we were forced to get to get my Autistic son in private care) is $125,  A 4.99%fixed on the 1st, 4.56%on the second a variable. I want my home, and will try anything to keep it. I have the modification package from HSBC the lender who just purchased our 1st a few months ago...it took months to get the package..so far I have the hardship letter written, but with my husband and I in the process of the divorce...the rest I am stuck on. I don&#039;t know if I should make my $2160. 1st payment this mo. Or the$401. on the equity with Wells Fargo. I am broke to the bone.....
but I will use my medicine and food money if I have to..I have not been late yet, credit score is only 635.  I can&#039;t see me making this mos payment. I&#039;m sure if they could lower my monthly payment...I could stay, and eventually get back on my feet. I am smart and creative. Just got deathly ill...and now in a place I never would have imagined. I went to a NACA workshop,but have not contacted them...waiting to see if they were the right place to be. Any suggestions? </description>
		<content:encoded><![CDATA[<p>My husband left me last month after realizing our 8 year old house and finances were sinking fast. I am on ssi/disability and make additional $700/mo working as a psych nurse. He should be giving me alimony after the divorce is final in 6 mos. My house morgage is<br />
$300, and the equity line (we were forced to get to get my Autistic son in private care) is $125,  A 4.99%fixed on the 1st, 4.56%on the second a variable. I want my home, and will try anything to keep it. I have the modification package from HSBC the lender who just purchased our 1st a few months ago&#8230;it took months to get the package..so far I have the hardship letter written, but with my husband and I in the process of the divorce&#8230;the rest I am stuck on. I don&#8217;t know if I should make my $2160. 1st payment this mo. Or the$401. on the equity with Wells Fargo. I am broke to the bone&#8230;..<br />
but I will use my medicine and food money if I have to..I have not been late yet, credit score is only 635.  I can&#8217;t see me making this mos payment. I&#8217;m sure if they could lower my monthly payment&#8230;I could stay, and eventually get back on my feet. I am smart and creative. Just got deathly ill&#8230;and now in a place I never would have imagined. I went to a NACA workshop,but have not contacted them&#8230;waiting to see if they were the right place to be. Any suggestions?</p>
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		<title>By: Mark G Cooper</title>
		<link>http://loanworkout.org/2009/11/k-n-c-financiera-inc-california-dre-files-cease-and-desist/#comment-18023</link>
		<dc:creator>Mark G Cooper</dc:creator>
		<pubDate>Sat, 14 Nov 2009 02:10:55 +0000</pubDate>
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		<description>Crooks in California make up 10% of the population. Californian&#039;s will rip off its own people just to make a buck. Act Now, we are free, yes seek our stay after short sale program, find our information at nationwidehomesaver.com or stayaftershortsale.com, where we provide the American Consumer, FREE consultanting service.</description>
		<content:encoded><![CDATA[<p>Crooks in California make up 10% of the population. Californian&#8217;s will rip off its own people just to make a buck. Act Now, we are free, yes seek our stay after short sale program, find our information at nationwidehomesaver.com or stayaftershortsale.com, where we provide the American Consumer, FREE consultanting service.</p>
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