As I have noted here, in the past, our 2nd thru Wells Fargo was charged-off. I tried repeatedly to work with them, but they would never come down to a doable figure. Our 1st is with Morequity. I have gotten the paperwork from ME for the Making Home Affordable program. However, it has just occurred to me that the charge-off may screw us up?? Please tell me I don't have something else to worry about??