[SoSueme]

Should I pay my mortgage this month or skip a payment? I applied for the National Homeowner Retention Program and was denied because I have not missed a payment or been delinquent. My financial situation is not getting better, and I am only able to afford the minimum payment most months, thus accruing more negative ammortization. I'm asking them for a loan modification, but apparently I have to have missed payments to have any hopes of this happening. So, my question to you is: Should I skip a payment or two, send them only what I can afford, or continue to send them at least the minimum payment and hope for a bailout? Has Countrywide helped you with your loan or helped someone you know? I'm starting to think I should be renting instead of owning because I'm not paying off anything on my home.

[Tommy]

Keep paying the minimum and sell asap.