So now that I am 7 months into a "trial" payment plan, and my credit has been destroyed and they are reporting me as almost 3 months behind (even though I am not,) do I submit my NACA application or wait?
I thought I decided that waiting was silly. Surely they are going to deny me, and then demand repayment immediately. I should apply. But something is telling me that starting a NACA application now could complicate things. What is that something? I think it is wrong. I thing I should submit the NACA app and see what happens. NACA may tell me to wait, but then my application would be ready to go. Or if I get approved ( yeah right,) what have I lost?