I HAVE BEEN TRYING TO MODIFY MY HOME LOAN FOR OVER A YEAR AND I KEEP GETTING DENIED EVEN THOUGH THEY ARE FULLY AWARE WE ARE UNABLE TO MAKE OUR MORTGAGE PAYMENTS ON TIME. THE LAST REQUEST I MADE WAS WHEN MY MOTHER WAS ON LIFE SUPPORT . MY MOTHER HAS NO LIFE INSURANCE .I ASKED IF I COULD SKIP A PAYMENT AS I NEEDED MONEY TO PAY FOR FUNERAL COST. I WAS TOLD TO WRITE A HARDSHIP LETTER AND PROVIDE PROOF OF MY HARDSHIP. I EXPLAINED MY SITUATION AND PROVIDED PROOF OF MY HARDSHIP, MY ELECTRIC, GAS, WATER, SEWER, TELEPHONE, PROPERTY TAX ARE OVER DUE AND... read full review »