I tried to work with them but they wanted us to pay $1500 down and then work out a 6 month payment plan at a reduced rate. Well, I couldn't come up with the $1500. I tried to consult the Home Repair Service, FIA, Salvation Army, ICCF and Urban League to see if we could get help. Nothing came through for us. I tried this back in the Fall when we first fell behind with them. They had the sheriff sale on Feb 6th and the redemption period runs through Aug 6th.We have our home with HSBC. I couldn't be more pleased with them. They were willing to help us out when my husband lost his job and I was on bedrest with my second child. They lowered our rate for six months which did help. Not sure how they are going to help when our arm adjusts though.
I will admit that HSBC did try to work with us to some extent but what they wanted to do we couldn't do because we just didn't have the money or family/friends to borrow from to get the money.