After my husband had a life alterning accident, I used my retirement funds to pay my mortgage. I missed my first payment in July by September I was in contact with Wells Fargo, gave them my hardship letter and all income and expense. By December the CARE program for loan modification came into action. I called but was told my loan had already went into default so I couldn't get help with my loan modification. In March I was asked to submit another packet. I sent it notarized and certified. I was on my own, answering ever letter, calling... read full review »