Litton Loan modification program is a scam. Not sure how to prove it but maybe someone out there can. First of all, I am making my payments, but my income was cut in Half late 2008. When Obama's plan came out for those of us who are making our payments, I applied...sometime in April of 2009. I wrote a hardship letter telling them I am making payments out of savings and explaining why I am applying. Litton said they had a better program and did not want to use the government one...First Red Flag They put us on a trial... read full review »