Countrywide Home Loans quit claim deed versus foreclosure Dallas Texas

Since May 2007 I asked to negotiate a moratorium on mortgade payments on 2 investment properties, as I have been unable to rent or sell the properties. The representatives refused to entertain my request as I was up to date with my account.

It is for that particular reason I asked for the moratorium so that I do not fall behind my payments. I was told that the cannot look into my request until the account is 90 days overdue. After much arguements, I was told I would have been better of if they were informed earlier.
Soon after the proceedure for HOPE started I received forclosure notices. They suggested to short sell, and latterly to make a quit claim deed instead of foreclosure.

Documents asked for were sent, and the rep confirmed that a negotiator would be assigned. Later I was told that the documents did not reach them, and asked me for more documents.

As a result of the foreclosures, my credit ratings dropped from about 780 to just under 540, thus hindering me to contiue any meaningful income.

I am hapless as to cover my medical expenses, and my our upkeep. I do not know if quit claim deed will improve my credit rating, or just give up and accept my misfortune.

Lietonian
ORLANDO, Florida
U.S.A.