how long does it usually take? we got a letter a couple days ago that said they were "waiving" oct, nov & dec payments & we're 2 months behind. they said that we owed them almost $10,000 come january 2010. that's just 5 months of house payments. i asked them what to do if we can't pay it (cause most likely we can't) & they said we'd need to resubmit our hardship info & then they'd re-review it. would that review lead to an attempt to short sale??