Hello, I’m a sales manager at a US car dealership, and as you know, the automotive industry has suffered significantly with the collapse of the economy. Due to the fact that I am paid solely on commission, I was turned down on my first attempt at a mortgage modification because my income was too low. As the economy continued to drop, my employer decided to transfer me to a different department instead of laying me off. Fortunately that decision gave me and my family a slight increase in pay. Due to that increase I was now eligible to... read full review »