Citi foreclosed on my home due to their incompetence working my modification I fell behind in my payments due to oral surgery, numerous car repairs, very high utilities bills, legal fees after divorce etc... I called Hope and talked with a counselor James Wells who got all my info and sent off a hardship package to citi mortgage. James was sure that I qualified for the making home affordable program since my income is at 39% of my mortgage . I called Hope in the middle of April 2009. I called Citi and asked them had they... read full review »