I feel bad for all of you going through this. We tried making several loan mods, and thought we had made one in Nov 07 only to be foreclosed on because they say we did not send in the paperwork 4 times even after a Nic Setchel signed for them, well any way we lost our home in july 08. they sold our home of 12 years for 124000.00 we owed 216000.00, we could of paid the mod but NOBODY would call us back.WE plan on sueing them as soon as We get a lawyer, for lieing and being deceitful, and for a bad mortgage . There is hope after a bankruptcy you... read full review »