I applied for a loan modification after the death of my husband in September of 2008. After over 1 year and hiring a 3rd party I was mailed the loan modification approval letter and the new terms of my loan in October of 2009. I read over all the paperwork signed it and returned it the same day. According to all my paperwork I was to make a contribution payment of $0.00 to get my loan modification started and my new payments would start in December of 2009. I made my new payments in December and January. On January 4th 2010 I received a phone... read full review »