countrywide i pray goes out of buisness. they gave me a pay option arm, with a prepay penalty .when they refinance me i had 20,000 in debt with outstanding credit card bills, didnt seam to be a problem, they told me the min. payment would be half what i was paying and i could afford to pay doun the balances . well nobody is going to refinace me and i contacted them many times just to hear iam sorry thers no program for me. well now i owe 33,000 more then the orignal loan amount. oh did i foget to mention the heloc for 50,000. iam beside myself and my wife sleeps in another room in the house. when i foreclose she will probally leave. thanks countrywide . I raised two boys in this home and have been living here 18 years. finished the basement , changed all the windows, and tiled both batrooms. I will leave my home only after i trash evey square foot and smash every wall and flood the basement and fill the house with rats and snakes and then go after all involved in doing this to me. I had no idea what i was signing , i trusted a stranger i never even met.