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I got caught up in the ARM back in 2004 and 2005 and when it was time for my mortgage to adjust, the rates were higher, and my payment jumped to almost 900.00 dollars a month, and while that may sound low to some, how about at the same time, regular transcription went to VR, and companies started outsourcing, and my transcription pay went from about 45,000 a year to 29,000 to 30,000. I finally found a stable MT position at a local hospital, at almost 17.00 an hour, and while it is a good steady job, it was still not enough to support all my indebtedness. Finally, after receiving an intent to sue from a creditor, I have filed bankruptcy and waiting to be discharged. Only thing that was affirmed was my car in the bankruptcy. Wells Fargo did not reaffirm my mortgage loan because I was behind on the payments. I am in process of moving out, although have not heard from mortgage company as of yet. Just wondering, once bankruptcy discharge, will Wells Fargo notify me or will they come knock on my door one day and tell me to get out.