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firehorse
July 30th, 2009, 08:00 PM
Hello Everyone, I appreciate the help I have received from you. If you don't mind, I have another (2 actually)that is conflicting, and I'm not sure if I am seeing it correctly. Here's the background:

My HELOC Mortgage company contacted me about a modification. I am not behind, so I'm not sure where it is coming from, except that it is an ARM that can fluctuate monthly. Two years ago, I did inquire of a modification, just because of fluctuating interest rates, and I could not refinance due to dropping property values and stricter refinance policies, but again, I have never been late on a payment. This gentlemen told me that if I paid approx 1/2 of my HELOC payment (he gave me a fixed amt), after 3 months my loan would be sent for review for possible loan modification, but I had to tell them right there on the phone that I am interested. I am very suspicious, so I would not give him any of my ID info at first (he contacted me!), but he gave me a number to reach him. I searched the phone number, which does seem to belong to my mortgage co., and I found some info on the internet (government site) that modifications are being done under the program that he mentioned.

I asked "What could I expect if I do..." 14.2<30

Seems pretty positive.

What could I expect if I just forget about it? 39.1<63

Not sure what to make of coming vs. going. Any insights here?

firehorse
July 30th, 2009, 08:10 PM
Sorry...they really aren't so conflicting are they? I guess it just seems too good to be true...so again, feedback would be greatly appreciated.

meng
July 30th, 2009, 08:58 PM
I have to agree, it looks positive.

Line 2:
"A great chariot for loading. Proceed probing. No fault."

The great loading chariot sounds like the government subsidized program, though it also creates a dependency, not unlike the cow is dependent upon the earth.

meng
July 30th, 2009, 09:04 PM
I don't know if you use LiSe's online translation, but 39.1 seems explicit.

If you don't..

Proceeding: limping. Coming: praise

When your situation feels bad or poor or restricted, then don’t turn around to look at it. Go forward, with a bright (h30?) and clean future before you. This is the way to be full of energy and expectations, to take away the heaviness on your legs and mind and make them swift again. Why carry a past [loan] which is not beneficial for you? Even a past which is only a minute ago can freeze everything, so look forward, towards living. If you expect life, life will come.

midaughter
July 31st, 2009, 01:15 AM
The answers don't conflict. You asked tw3o different rather opposite questions. The first question and answer inciate that to proceed with this is a good idea. It might not mean that you will want to go with the person who called but the government program is good and should be done. Just keep divining about the specifics of what re-fi you are going to do. You should avoid completely not doing anything as the Hexagram 39 indicates.

willowfox
July 31st, 2009, 04:51 AM
I asked "What could I expect if I do..." 14.2<30

This suggests going with it, as the answer is about movement of assets, transference. So it is further suggesting that you can leave the responsibility of all this to others who will indeed take care of all the details.
Then Hex 30 taking care of the cash cow is fortuitous, so go for it. The cow is something that is extremely useful, as it can provide milk and later meat.

willowfox
July 31st, 2009, 04:57 AM
What could I expect if I just forget about it? 39.1<63

Quite simple, you can expect obstruction. As you are talking about non action then it is wise to act, so going and doing nothing leads to problems so best to retreat from that idea and do something.

firehorse
July 31st, 2009, 03:16 PM
Thanks, everyone, for your feedback with this. I wanted some reinforcement before I moved forward with this. Interestingly enough, Midaughter, I could not get a hold of the gentleman I spoke to yesterday, but clarified it with another woman!