letters and counting!
There is no such thing as a hardship although it’s required for a modification. I had shoulder surgeries on both shoulders that kept me from working for an entire year. Did I get help? No! I fact during the process I was closed out twice. The modification specialist knew that I’d either go into foreclosure or finally heal. They just had to hold up the process long enough for one or the other to happen. Luckily the later happened and I’m back at work. I had enough income to do a modification she just stopped asking for information. Then after a month of not returning my phone calls she calls and says the information is old and will have to close and start all over. She said to send things in when I have 2 paycheck stubs. Now I have 2 paycheck stubs but now I probably earn too much now for a modification. I wasted a whole year trying but at least you didn’t get my house. Mine was a legitimate hardship and should have been acted on. The banks suck and I’m going to occupy wall street. Vern D. Sailand